Sep, 30, 2025 — FREEDOM UNITED FEDERAL CREDIT UNION is a federal credit union headquartered in ROCHESTER, PA with 3 branch locations and about $92.28 million in total assets. Opened 87 years ago in 1939, FREEDOM UNITED FEDERAL CREDIT UNION has about 6,878 members and employs 16 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FREEDOM UNITED FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 283 Adams St ROCHESTER, PA 15074-2143 |
| Phone: | (724) 774-5575 |
| Fax: | (724) 774-6750 |
| Website: | https://www.freedomunitedfcu.com |
| Branches: | 3 branch locations |
| Members: | 6,878 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 3487 |
|---|---|
| Membership Type: | Multiple common bond - Primarily petroleum refining |
| Corporate Credit Union: | No |
| Year Opened: | 1939 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $92,282,213 |
| CEO/Manager: | JEFFREY B SMITH |
| Chairperson: | ANDREW A DENGEL |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 6,923,685 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 11,820,352 |
| Unsecured Loans | 2,764,762 |
| Other Loans | 10,967,556 |
| TOTAL LOANS | 25,552,670 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -221,794 |
| Land And Building | 720,507 |
| Other Fixed Assets | 27,538 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 719,290 |
| All Other Assets | 0 |
| TOTAL ASSETS | 92,282,213 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 143,350 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 18,268,020 |
| Regular shares | 38,662,048 |
| All Other Shares & Deposits | 18,929,773 |
| TOTAL SHARES & DEPOSITS | 75,859,840 |
| TOTAL LIABILITIES | 76,003,190 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 16,279,023 |
| TOTAL EQUITY | 16,279,023 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 92,282,213 |
| INCOME & EXPENSE | |
| Loan Income | 1,201,367 |
| Investment Income | 1,752,071 |
| Other Income | 85,333 |
| Total Employee Compensation & Benefits | 772,444 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 834,883 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 143,135 |
| Cost of Funds | 242,469 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,463,298 |
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