Sep, 30, 2025 — FD COMMUNITY FEDERAL CREDIT UNION is a federal credit union headquartered in WATERBURY, CT with 3 branch locations and about $153.41 million in total assets. Opened 92 years ago in 1934, FD COMMUNITY FEDERAL CREDIT UNION has about 13,873 members and employs 28 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FD COMMUNITY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 601 Watertown Ave WATERBURY, CT 06708 |
| Phone: | (203) 753-9201 |
| Fax: | (203) 756-6886 |
| Website: | https://www.fdcommunityfcu.org |
| Branches: | 3 branch locations |
| Members: | 13,873 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 42 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1934 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $153,412,037 |
| CEO/Manager: | Michael M D'Orlando |
| Chairperson: | Joseph DelBuono |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 10,126,967 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 55,513,192 |
| Unsecured Loans | 6,902,603 |
| Other Loans | 23,347,338 |
| TOTAL LOANS | 85,763,134 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -461,319 |
| Land And Building | 1,889,630 |
| Other Fixed Assets | 381,120 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,176,055 |
| All Other Assets | 0 |
| TOTAL ASSETS | 153,412,037 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 31,159 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,155,879 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 22,246,014 |
| Regular shares | 69,546,680 |
| All Other Shares & Deposits | 43,311,374 |
| TOTAL SHARES & DEPOSITS | 135,104,068 |
| TOTAL LIABILITIES | 136,291,106 |
| Regular Reserve | 0 |
| Other Reserves | 1,273,609 |
| Undivided Earnings | 15,847,322 |
| TOTAL EQUITY | 17,120,931 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 153,412,037 |
| INCOME & EXPENSE | |
| Loan Income | 3,422,233 |
| Investment Income | 1,926,671 |
| Other Income | 1,060,218 |
| Total Employee Compensation & Benefits | 1,672,997 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,511,883 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 367,733 |
| Cost of Funds | 968,027 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 880,293 |
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