UMICO FEDERAL CREDIT UNION is no longer an active credit union according to the NCUA. If available, you can view their website at https://www.umicofcu.net for more information.
Sep, 30, 2025 — UMICO FEDERAL CREDIT UNION is a federal credit union headquartered in NEW HARTFORD, NY with 1 branch location and about $9.12 million in total assets. Opened 87 years ago in 1939, UMICO FEDERAL CREDIT UNION has about 918 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: | UMICO FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 180 GENESEE ST NEW HARTFORD, NY 13413-2200 |
| Phone: | (315) 734-2139 |
| Fax: | (315) 734-2467 |
| Website: | https://www.umicofcu.net |
| Branches: | 1 branch locations |
| Members: | 918 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 3313 |
|---|---|
| Membership Type: | Service - Finance, Insurance, Real Estate, Trade |
| Corporate Credit Union: | No |
| Year Opened: | 1939 |
| Last Audited: | Sep 01, 2021 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $9,118,440 |
| CEO/Manager: | Michelle A Siriano |
| Chairperson: | Steve Alessandrini |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,313,590 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 603,852 |
| Unsecured Loans | 642,187 |
| Other Loans | 3,456,000 |
| TOTAL LOANS | 4,702,039 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -23,064 |
| Land And Building | 0 |
| Other Fixed Assets | 21,535 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 79,617 |
| All Other Assets | 0 |
| TOTAL ASSETS | 9,118,440 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 5,465 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 1,301,232 |
| Regular shares | 6,840,997 |
| All Other Shares & Deposits | 111,266 |
| TOTAL SHARES & DEPOSITS | 8,253,495 |
| TOTAL LIABILITIES | 8,258,960 |
| Regular Reserve | 0 |
| Other Reserves | 147,545 |
| Undivided Earnings | 711,935 |
| TOTAL EQUITY | 859,480 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 9,118,440 |
| INCOME & EXPENSE | |
| Loan Income | 134,338 |
| Investment Income | 30,372 |
| Other Income | 14,845 |
| Total Employee Compensation & Benefits | 77,912 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 106,353 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 2,600 |
| Cost of Funds | 8,044 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 21,771 |
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