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JERSEY CENTRAL FEDERAL CREDIT UNION

Dec, 31, 2020 — JERSEY CENTRAL FEDERAL CREDIT UNION is a federal credit union headquartered in CRANFORD, NJ with 1 branch location and about $20.98 million in total assets. Opened 84 years ago in 1937, JERSEY CENTRAL FEDERAL CREDIT UNION has about 3,668 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:JERSEY CENTRAL FEDERAL CREDIT UNION
Address:
(Main Office)
PO BOX 661
CRANFORD, NJ 07016
Phone:(908) 272-3040
Fax:(908) 272-6029
Website:http://www.jerseycentralfcu.com
Branches:1 branch locations
Members:3,668
Credit Union Type:Federal Credit Union
Charter Number:2493
Membership Type:Multiple common bond - Primarily transportation
Corporate Credit Union:No
Year Opened:1937
Last Audited:Sep 01, 2019
FHLB Member:No
Low Income Designation:No
Assets:$20,978,985
CEO/Manager:Chris Chichester
Chairperson:Louis Ellis

Call Report

  • Overdraft Lines of Credit
  • Overdraft Protection
  • Real Estate Loans
  • Risk Based Loans
  • ATM/Debit Card Program
  • Insurance/Investment Sales

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 1,871,761
TOTAL INVESTMENTS 8,107,638
Loans Held for Sale 0
 
 Real Estate Loans 1,248,139
 Unsecured Loans 5,326,509
 Other Loans 4,333,495
 TOTAL LOANS 10,908,143
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -198,792
 Land And Building 0
 Other Fixed Assets 58,122
 NCUSIF Deposit 143,965
 All Other Assets 88,148
  TOTAL ASSETS 20,978,985
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 50,406
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 586,623
 Regular shares 15,694,385
 All Other Shares & Deposits 467,309
  TOTAL SHARES & DEPOSITS 16,748,317
  TOTAL LIABILITIES 16,798,723
 Regular Reserve 687,837
 Other Reserves 0
 Undivided Earnings 3,492,425
  TOTAL EQUITY 4,180,262
  TOTAL LIABILITIES, SHARES, & EQUITY 20,978,985
INCOME & EXPENSE  
 Loan Income 1,157,322
 Investment Income 155,514
 Other Income 166,155
 Total Employee Compensation & Benefits 646,186
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 511,788
 Non-operating Income & (Expense) 22,955
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 114,307
 Cost of Funds 124,521
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 105,144
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