Sep, 30, 2025 — NORTH FRANKLIN FEDERAL CREDIT UNION is a federal credit union headquartered in MALONE, NY with 3 branch locations and about $106.67 million in total assets. Opened 54 years ago in 1972, NORTH FRANKLIN FEDERAL CREDIT UNION has about 5,770 members and employs 25 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | NORTH FRANKLIN FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 494 E Main St MALONE, NY 12953-2100 |
| Phone: | (518) 483-8668 |
| Fax: | (518) 483-8808 |
| Website: | https://www.trunorthernfcu.org |
| Branches: | 3 branch locations |
| Members: | 5,770 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 21026 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1972 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $106,672,346 |
| CEO/Manager: | Darin G Childs |
| Chairperson: | Curtis L Lyon |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 4,748,091 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 32,138,719 |
| Unsecured Loans | 5,412,739 |
| Other Loans | 27,337,300 |
| TOTAL LOANS | 64,888,759 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -183,577 |
| Land And Building | 3,478,811 |
| Other Fixed Assets | 455,256 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 774,547 |
| All Other Assets | 0 |
| TOTAL ASSETS | 106,672,346 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,111,753 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 20,323,564 |
| Regular shares | 42,264,587 |
| All Other Shares & Deposits | 33,919,948 |
| TOTAL SHARES & DEPOSITS | 96,508,099 |
| TOTAL LIABILITIES | 97,619,852 |
| Regular Reserve | 0 |
| Other Reserves | -3,399,283 |
| Undivided Earnings | 12,451,777 |
| TOTAL EQUITY | 9,052,494 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 106,672,346 |
| INCOME & EXPENSE | |
| Loan Income | 2,949,840 |
| Investment Income | 881,520 |
| Other Income | 304,809 |
| Total Employee Compensation & Benefits | 1,288,790 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,580,370 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 190,725 |
| Cost of Funds | 840,426 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 515,529 |
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