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STEWART'S FEDERAL CREDIT UNION

Dec, 31, 2020 — STEWART'S FEDERAL CREDIT UNION is a federal credit union headquartered in SARATOGA SPRING, NY with 1 branch location and about $29.68 million in total assets. Opened 38 years ago in 1983, STEWART'S FEDERAL CREDIT UNION has about 3,044 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:3,044
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, 2019
FHLB Member:No
Low Income Designation:No
Assets:$29,682,067
CEO/Manager:Yvette M Daniele
Chairperson:John R Timian

Call Report

  • Credit Builder
  • Micro Consumer Loans
  • Overdraft Protection
  • Real Estate Loans
  • Risk Based Loans
  • ATM/Debit Card Program
  • Check Cashing
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 15,588,592
TOTAL INVESTMENTS 5,800,000
Loans Held for Sale 0
 
 Real Estate Loans 1,786,601
 Unsecured Loans 730,182
 Other Loans 5,562,422
 TOTAL LOANS 8,079,205
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -101,191
 Land And Building 0
 Other Fixed Assets 12,288
 NCUSIF Deposit 153,432
 All Other Assets 149,741
  TOTAL ASSETS 29,682,067
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 36,979
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 9,917,770
 Regular shares 17,103,455
 All Other Shares & Deposits 471,030
  TOTAL SHARES & DEPOSITS 27,492,255
  TOTAL LIABILITIES 27,529,234
 Regular Reserve 200,048
 Other Reserves 0
 Undivided Earnings 1,952,785
  TOTAL EQUITY 2,152,833
  TOTAL LIABILITIES, SHARES, & EQUITY 29,682,067
INCOME & EXPENSE  
 Loan Income 423,688
 Investment Income 163,972
 Other Income 210,205
 Total Employee Compensation & Benefits 300,432
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 244,202
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 11,694
 Cost of Funds 64,995
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 176,542
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