Sep, 30, 2025 — WINDSOR LOCKS FEDERAL CREDIT UNION is a federal credit union headquartered in WINDSOR LOCKS, CT with 1 branch location and about $86.60 million in total assets. Opened 86 years ago in 1940, WINDSOR LOCKS FEDERAL CREDIT UNION has about 4,265 members and employs 19 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | WINDSOR LOCKS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 516 Spring St WINDSOR LOCKS, CT 06096 |
| Phone: | (860) 292-2940 |
| Fax: | (860) 623-3031 |
| Website: | https://www.riverbankfcu.com |
| Branches: | 1 branch locations |
| Members: | 4,265 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 3757 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1940 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $86,602,535 |
| CEO/Manager: | Charla R Stetson |
| Chairperson: | Lynn Pellerano |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 5,160,785 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 27,837,714 |
| Unsecured Loans | 1,563,358 |
| Other Loans | 7,393,056 |
| TOTAL LOANS | 36,794,128 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -241,824 |
| Land And Building | 941,903 |
| Other Fixed Assets | 100,828 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 756,826 |
| All Other Assets | 0 |
| TOTAL ASSETS | 86,602,535 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 5,025 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 798,803 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 16,734,620 |
| Regular shares | 35,447,058 |
| All Other Shares & Deposits | 25,708,715 |
| TOTAL SHARES & DEPOSITS | 77,890,393 |
| TOTAL LIABILITIES | 78,694,221 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 7,908,314 |
| TOTAL EQUITY | 7,908,314 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 86,602,535 |
| INCOME & EXPENSE | |
| Loan Income | 1,472,072 |
| Investment Income | 951,668 |
| Other Income | 186,066 |
| Total Employee Compensation & Benefits | 1,150,872 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 902,163 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 83,284 |
| Cost of Funds | 491,959 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 241,845 |
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