Sep, 30, 2025 — FINGER LAKES HEALTH CARE FEDERAL CREDIT UNION is a federal credit union headquartered in ELMIRA, NY with 1 branch location and about $33.49 million in total assets. Opened 53 years ago in 1973, FINGER LAKES HEALTH CARE FEDERAL CREDIT UNION has about 2,491 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FINGER LAKES HEALTH CARE FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 519 Hart St ELMIRA, NY 14905-1614 |
| Phone: | (607) 733-1304 |
| Fax: | (607) 733-1376 |
| Website: | https://www.flhc.com |
| Branches: | 1 branch locations |
| Members: | 2,491 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 21294 |
|---|---|
| Membership Type: | Multiple common bond - Primarily health care |
| Corporate Credit Union: | No |
| Year Opened: | 1973 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $33,487,827 |
| CEO/Manager: | Amanda Powell |
| Chairperson: | Kenneth A Peworchik |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 3,134,648 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 2,309,088 |
| Unsecured Loans | 1,417,230 |
| Other Loans | 4,214,588 |
| TOTAL LOANS | 7,940,906 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -63,294 |
| Land And Building | 382,513 |
| Other Fixed Assets | 65,952 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 261,135 |
| All Other Assets | 0 |
| TOTAL ASSETS | 33,487,827 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 32,950 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 5,058,854 |
| Regular shares | 19,201,563 |
| All Other Shares & Deposits | 3,886,887 |
| TOTAL SHARES & DEPOSITS | 28,147,305 |
| TOTAL LIABILITIES | 28,180,255 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 5,307,572 |
| TOTAL EQUITY | 5,307,572 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 33,487,827 |
| INCOME & EXPENSE | |
| Loan Income | 362,597 |
| Investment Income | 687,286 |
| Other Income | 314,709 |
| Total Employee Compensation & Benefits | 326,913 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 494,447 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 0 |
| Cost of Funds | 152,736 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 390,496 |
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