Sep, 30, 2025 — ACCESS FEDERAL CREDIT UNION is a federal credit union headquartered in CLINTON, NY with 5 branch locations and about $301.24 million in total assets. Opened 79 years ago in 1947, ACCESS FEDERAL CREDIT UNION has about 23,300 members and employs 49 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ACCESS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 6 Franklin Ave CLINTON, NY 13323 |
| Phone: | (315) 557-1000 |
| Fax: | (315) 557-1004 |
| Website: | https://www.accessfcu.org |
| Branches: | 5 branch locations |
| Members: | 23,300 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 5579 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1947 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $301,243,131 |
| CEO/Manager: | Thomas L Owens |
| Chairperson: | S. Leo Angelicola |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 38,358,110 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 65,835,432 |
| Unsecured Loans | 3,228,049 |
| Other Loans | 83,772,732 |
| TOTAL LOANS | 152,836,211 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -846,106 |
| Land And Building | 1,283,247 |
| Other Fixed Assets | 794,270 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 2,303,374 |
| All Other Assets | 0 |
| TOTAL ASSETS | 301,243,131 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 2,248,173 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 72,253,257 |
| Regular shares | 114,872,645 |
| All Other Shares & Deposits | 84,285,199 |
| TOTAL SHARES & DEPOSITS | 271,411,102 |
| TOTAL LIABILITIES | 273,672,075 |
| Regular Reserve | 0 |
| Other Reserves | -370,181 |
| Undivided Earnings | 27,941,237 |
| TOTAL EQUITY | 27,571,056 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 301,243,131 |
| INCOME & EXPENSE | |
| Loan Income | 6,433,048 |
| Investment Income | 2,878,795 |
| Other Income | 771,495 |
| Total Employee Compensation & Benefits | 2,712,966 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 3,639,607 |
| Non-operating Income & (Expense) | -3,202 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | -19,166 |
| Cost of Funds | 2,329,471 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 2,768,721 |
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