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STEWART'S FEDERAL CREDIT UNION

Sep, 30, 2021 — STEWART'S FEDERAL CREDIT UNION is a federal credit union headquartered in Saratoga Spring, NY with 1 branch location and about $22.79 million in total assets. Opened 39 years ago in 1983, STEWART'S FEDERAL CREDIT UNION has about 3,126 members and employs 4 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)
PO Box 435
Saratoga Spring, NY 12866
Phone:(518) 581-1201
Fax:(518) 581-7076
Website:http://www.stewartscu.com
Branches:1 branch locations
Members:3,126
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, 2020
FHLB Member:No
Low Income Designation:No
Assets:$22,785,978
CEO/Manager:Angelique Lauder
Chairperson:John R Timian

Call Report

  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 7,845,954
TOTAL INVESTMENTS 6,400,000
Loans Held for Sale 0
 
 Real Estate Loans 1,554,552
 Unsecured Loans 807,656
 Other Loans 5,901,163
 TOTAL LOANS 8,263,371
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -97,877
 Land And Building 0
 Other Fixed Assets 8,082
 NCUSIF Deposit 184,370
 All Other Assets 182,078
  TOTAL ASSETS 22,785,978
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 38,448
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 5,424,739
 Regular shares 14,531,621
 All Other Shares & Deposits 499,855
  TOTAL SHARES & DEPOSITS 20,456,215
  TOTAL LIABILITIES 20,494,663
 Regular Reserve 200,049
 Other Reserves 0
 Undivided Earnings 2,091,266
  TOTAL EQUITY 2,291,315
  TOTAL LIABILITIES, SHARES, & EQUITY 22,785,978
INCOME & EXPENSE  
 Loan Income 322,992
 Investment Income 89,137
 Other Income 170,221
 Total Employee Compensation & Benefits 211,674
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 228,051
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 8,404
 Cost of Funds 59,861
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 138,480
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