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OSWEGO COUNTY FEDERAL CREDIT UNION

Mar, 31, 2021 — OSWEGO COUNTY FEDERAL CREDIT UNION is a federal credit union headquartered in OSWEGO, NY with 6 branch locations and about $124.04 million in total assets. Opened 46 years ago in 1975, OSWEGO COUNTY FEDERAL CREDIT UNION has about 12,338 members and employs 38 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 021382655
Name:OSWEGO COUNTY FEDERAL CREDIT UNION
Address:
(Main Office)
P.O. BOX 310
OSWEGO, NY 13126
Phone:(315) 343-7822
Fax:(315) 343-7826
Website:http://www.oswegofcu.org
Branches:6 branch locations
Members:12,338
Credit Union Type:Federal Credit Union
Charter Number:21927
Membership Type:Multiple common bond - Primarily federal, state, local government
Corporate Credit Union:No
Year Opened:1975
Last Audited:Jun 01, 2020
FHLB Member:No
Low Income Designation:No
Assets:$124,039,916
CEO/Manager:William Carhart
Chairperson:Harrison Greeney

Call Report

  • Credit Builder
  • Overdraft Lines of Credit
  • Overdraft Protection
  • Participation Loans
  • Real Estate Loans
  • Risk Based Loans
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Check Cashing
  • Health Savings Accounts
  • In-School Branches
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 29,638,739
TOTAL INVESTMENTS 11,328,351
Loans Held for Sale 0
 
 Real Estate Loans 27,320,837
 Unsecured Loans 17,667,994
 Other Loans 31,772,940
 TOTAL LOANS 76,761,771
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -696,825
 Land And Building 4,262,826
 Other Fixed Assets 227,773
 NCUSIF Deposit 964,510
 All Other Assets 1,552,771
  TOTAL ASSETS 124,039,916
LIABILITIES & CAPITAL:  
 Dividends Payable 1,644
 Notes & Interest Payable 250,000
 Accounts Payable & Other Liabilities 437,349
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 28,754,116
 Regular shares 56,074,693
 All Other Shares & Deposits 29,857,416
  TOTAL SHARES & DEPOSITS 114,686,225
  TOTAL LIABILITIES 115,375,218
 Regular Reserve 311,008
 Other Reserves -47,809
 Undivided Earnings 8,401,499
  TOTAL EQUITY 8,664,698
  TOTAL LIABILITIES, SHARES, & EQUITY 124,039,916
INCOME & EXPENSE  
 Loan Income 1,230,093
 Investment Income 19,308
 Other Income 58,953
 Total Employee Compensation & Benefits 584,638
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 758,093
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 200,000
 Cost of Funds 129,821
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 161,122
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