Sep, 30, 2025 — UFIRST FEDERAL CREDIT UNION is a federal credit union headquartered in PLATTSBURGH, NY with 3 branch locations and about $127.48 million in total assets. Opened 55 years ago in 1971, UFIRST FEDERAL CREDIT UNION has about 10,253 members and employs 33 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | UFIRST FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 274 Rugar St PLATTSBURGH, NY 12901 |
| Phone: | (518) 324-5700 |
| Fax: | (518) 324-5777 |
| Website: | https://www.ufirstfcu.net |
| Branches: | 3 branch locations |
| Members: | 10,253 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 20613 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1971 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $127,481,092 |
| CEO/Manager: | Kasey Kirk |
| Chairperson: | Michele Friedman |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,107,431 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 27,268,728 |
| Unsecured Loans | 8,107,053 |
| Other Loans | 63,526,839 |
| TOTAL LOANS | 98,902,620 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -221,117 |
| Land And Building | 3,829,450 |
| Other Fixed Assets | 415,401 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,179,903 |
| All Other Assets | 122,146 |
| TOTAL ASSETS | 127,481,092 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 239,154 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 27,350,443 |
| Regular shares | 68,030,015 |
| All Other Shares & Deposits | 19,153,690 |
| TOTAL SHARES & DEPOSITS | 114,534,148 |
| TOTAL LIABILITIES | 114,773,302 |
| Regular Reserve | 0 |
| Other Reserves | -2,088,022 |
| Undivided Earnings | 14,795,812 |
| TOTAL EQUITY | 12,707,790 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 127,481,092 |
| INCOME & EXPENSE | |
| Loan Income | 5,041,023 |
| Investment Income | 629,085 |
| Other Income | 648,113 |
| Total Employee Compensation & Benefits | 2,016,429 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,746,539 |
| Non-operating Income & (Expense) | -92,189 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 245,579 |
| Cost of Funds | 810,371 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,458,372 |
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