Sep, 30, 2025 — CHOICE ONE COMMUNITY FEDERAL CREDIT UNION is a federal credit union headquartered in PLAINS TOWNSHIP, PA with 6 branch locations and about $124.99 million in total assets. Opened 85 years ago in 1941, CHOICE ONE COMMUNITY FEDERAL CREDIT UNION has about 10,908 members and employs 34 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | CHOICE ONE COMMUNITY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 501 E Main St PLAINS TOWNSHIP, PA 18702-6920 |
| Phone: | (570) 823-7676 |
| Fax: | |
| Website: | https://www.choiceone.org |
| Branches: | 6 branch locations |
| Members: | 10,908 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 4240 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1941 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $124,987,796 |
| CEO/Manager: | Thomas M Smith |
| Chairperson: | Libby Yeager |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 11,550,069 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 46,842,941 |
| Unsecured Loans | 6,240,338 |
| Other Loans | 26,574,426 |
| TOTAL LOANS | 79,657,705 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -452,765 |
| Land And Building | 4,425,477 |
| Other Fixed Assets | 668,655 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,101,327 |
| All Other Assets | 0 |
| TOTAL ASSETS | 124,987,796 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 290,552 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 25,803,043 |
| Regular shares | 74,360,926 |
| All Other Shares & Deposits | 13,884,945 |
| TOTAL SHARES & DEPOSITS | 114,048,914 |
| TOTAL LIABILITIES | 114,339,466 |
| Regular Reserve | 0 |
| Other Reserves | -2,105,829 |
| Undivided Earnings | 12,754,159 |
| TOTAL EQUITY | 10,648,330 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 124,987,796 |
| INCOME & EXPENSE | |
| Loan Income | 3,197,548 |
| Investment Income | 694,669 |
| Other Income | 628,974 |
| Total Employee Compensation & Benefits | 1,628,007 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,569,585 |
| Non-operating Income & (Expense) | -7,143 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 393,100 |
| Cost of Funds | 188,219 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 847,464 |
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