Sep, 30, 2025 — TONAWANDA COMMUNITY FEDERAL CREDIT UNION is a federal credit union headquartered in BUFFALO, NY with 1 branch location and about $46.48 million in total assets. Opened 50 years ago in 1976, TONAWANDA COMMUNITY FEDERAL CREDIT UNION has about 5,287 members and employs 8 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | TONAWANDA COMMUNITY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 257 Highland Pkwy BUFFALO, NY 14223-1407 |
| Phone: | (716) 873-4688 |
| Fax: | (716) 873-2124 |
| Website: | https://www.toncomfcu.com |
| Branches: | 1 branch locations |
| Members: | 5,287 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 22464 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1976 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $46,475,642 |
| CEO/Manager: | Kathleen Schibler |
| Chairperson: | Keith Stendahl |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 4,421,696 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 6,909,048 |
| Unsecured Loans | 2,710,304 |
| Other Loans | 4,245,522 |
| TOTAL LOANS | 13,864,874 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -167,449 |
| Land And Building | 70,923 |
| Other Fixed Assets | 18,500 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 401,562 |
| All Other Assets | 0 |
| TOTAL ASSETS | 46,475,642 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 191,959 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 10,367,388 |
| Regular shares | 30,654,053 |
| All Other Shares & Deposits | 302,462 |
| TOTAL SHARES & DEPOSITS | 41,323,905 |
| TOTAL LIABILITIES | 41,515,864 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 4,959,778 |
| TOTAL EQUITY | 4,959,778 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 46,475,642 |
| INCOME & EXPENSE | |
| Loan Income | 583,312 |
| Investment Income | 680,873 |
| Other Income | 95,607 |
| Total Employee Compensation & Benefits | 248,190 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 450,851 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 6,180 |
| Cost of Funds | 218,284 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 578,907 |
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