Sep, 30, 2025 — STEWART'S FEDERAL CREDIT UNION is a federal credit union headquartered in BALLSTON SPA, NY with 1 branch location and about $46.04 million in total assets. Opened 43 years ago in 1983, STEWART'S FEDERAL CREDIT UNION has about 4,298 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: | STEWART'S FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2911 State Route 9 BALLSTON SPA, NY 12020 |
| Phone: | (518) 581-1201 |
| Fax: | (518) 581-7076 |
| Website: | https://www.stewartscu.com |
| Branches: | 1 branch locations |
| Members: | 4,298 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 24036 |
|---|---|
| Membership Type: | Multiple common bond - Primarily finance, insurance, real estate, trade |
| Corporate Credit Union: | No |
| Year Opened: | 1983 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $46,041,796 |
| CEO/Manager: | Angelique Lauder |
| Chairperson: | John R Timian |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 14,709,427 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 3,712,509 |
| Unsecured Loans | 2,094,553 |
| Other Loans | 12,074,736 |
| TOTAL LOANS | 17,881,798 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -293,220 |
| Land And Building | 0 |
| Other Fixed Assets | 84,195 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 279,923 |
| All Other Assets | 0 |
| TOTAL ASSETS | 46,041,796 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 127,617 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 8,143,357 |
| Regular shares | 32,468,053 |
| All Other Shares & Deposits | 1,595,564 |
| TOTAL SHARES & DEPOSITS | 42,206,974 |
| TOTAL LIABILITIES | 42,334,591 |
| Regular Reserve | 0 |
| Other Reserves | 200,048 |
| Undivided Earnings | 3,507,157 |
| TOTAL EQUITY | 3,707,205 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 46,041,796 |
| INCOME & EXPENSE | |
| Loan Income | 813,288 |
| Investment Income | 800,695 |
| Other Income | 243,510 |
| Total Employee Compensation & Benefits | 332,578 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 319,917 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 129,706 |
| Cost of Funds | 548,465 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 529,191 |
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