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OSWEGO COUNTY FEDERAL CREDIT UNION

Jun, 30, 2024 — OSWEGO COUNTY FEDERAL CREDIT UNION is a federal credit union headquartered in OSWEGO, NY with 5 branch locations and about $130.75 million in total assets. Opened 50 years ago in 1975, OSWEGO COUNTY FEDERAL CREDIT UNION has about 12,626 members and employs 48 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)
90 E Bridge St
OSWEGO, NY 13126
Phone:(315) 343-7822
Fax:(315) 343-7826
Website:https://www.oswegofcu.org
Branches:5 branch locations
Members:12,626
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, 2022
FHLB Member:No
Low Income Designation:No
Assets:$130,750,010
CEO/Manager:William Carhart
Chairperson:Harrison Greeney

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Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 8,214,073
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 30,402,723
 Unsecured Loans 19,199,425
 Other Loans 38,922,954
 TOTAL LOANS 88,525,102
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -838,359
 Land And Building 5,172,479
 Other Fixed Assets 260,453
 NCUSIF Deposit 1,100,014
 All Other Assets 0
  TOTAL ASSETS 130,750,010
LIABILITIES & CAPITAL:  
 Dividends Payable 3,727
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 1,348,533
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 28,408,367
 Regular shares 62,284,295
 All Other Shares & Deposits 27,288,374
  TOTAL SHARES & DEPOSITS 117,981,036
  TOTAL LIABILITIES 119,333,296
 Regular Reserve 0
 Other Reserves 156,297
 Undivided Earnings 11,260,417
  TOTAL EQUITY 11,416,714
  TOTAL LIABILITIES, SHARES, & EQUITY 130,750,010
INCOME & EXPENSE  
 Loan Income 3,780,765
 Investment Income 211,792
 Other Income 257,803
 Total Employee Compensation & Benefits 1,969,582
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 2,754,626
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 395,000
 Cost of Funds 282,590
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 1,589,630
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