Sep, 30, 2025 — C C S E FEDERAL CREDIT UNION is a federal credit union headquartered in SALAMANCA, NY with 2 branch locations and about $61.71 million in total assets. Opened 49 years ago in 1977, C C S E FEDERAL CREDIT UNION has about 5,819 members and employs 10 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | C C S E FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 417 Broad St SALAMANCA, NY 14779 |
| Phone: | (716) 945-5340 |
| Fax: | (716) 945-5351 |
| Website: | https://www.ccseonline.com |
| Branches: | 2 branch locations |
| Members: | 5,819 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 22754 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1977 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $61,711,645 |
| CEO/Manager: | Kristina Rosell |
| Chairperson: | Dale Colton |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 5,231,643 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 8,144,112 |
| Unsecured Loans | 3,839,210 |
| Other Loans | 16,017,501 |
| TOTAL LOANS | 28,000,824 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -129,926 |
| Land And Building | 441,648 |
| Other Fixed Assets | 126,824 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 513,588 |
| All Other Assets | 0 |
| TOTAL ASSETS | 61,711,645 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 23,347 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 14,209,721 |
| Regular shares | 25,242,702 |
| All Other Shares & Deposits | 16,128,033 |
| TOTAL SHARES & DEPOSITS | 55,580,456 |
| TOTAL LIABILITIES | 55,603,803 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 6,107,842 |
| TOTAL EQUITY | 6,107,842 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 61,711,645 |
| INCOME & EXPENSE | |
| Loan Income | 1,229,026 |
| Investment Income | 591,085 |
| Other Income | 206,373 |
| Total Employee Compensation & Benefits | 617,109 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 961,368 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 51,005 |
| Cost of Funds | 382,961 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 518,429 |
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