Jun, 30, 2024 — YS FEDERAL CREDIT UNION is a federal credit union headquartered in YELLOW SPRINGS, OH with 1 branch location and about $26.33 million in total assets. Opened 77 years ago in 1948, YS FEDERAL CREDIT UNION has about 2,009 members and employs 4 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | YS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 217 Xenia Ave YELLOW SPRINGS, OH 45387 |
| Phone: | (937) 767-7377 |
| Fax: | (937) 767-2302 |
| Website: | https://yscu.org |
| Branches: | 1 branch locations |
| Members: | 2,009 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 5732 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1948 |
| Last Audited: | Dec 01, 2021 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $26,334,659 |
| CEO/Manager: | Sandra Hollenberg |
| Chairperson: | Steve Payne |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 3,593,316 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 169,968 |
| Unsecured Loans | 765,383 |
| Other Loans | 1,784,748 |
| TOTAL LOANS | 9,749,904 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -8,007 |
| Land And Building | 106,865 |
| Other Fixed Assets | 35,469 |
| NCUSIF Deposit | 248,110 |
| All Other Assets | 0 |
| TOTAL ASSETS | 26,334,659 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 40,157 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 6,944,600 |
| Regular shares | 13,751,516 |
| All Other Shares & Deposits | 3,378,288 |
| TOTAL SHARES & DEPOSITS | 24,074,404 |
| TOTAL LIABILITIES | 24,114,561 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 2,220,098 |
| TOTAL EQUITY | 2,220,098 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 26,334,659 |
| INCOME & EXPENSE | |
| Loan Income | 278,591 |
| Investment Income | 129,118 |
| Other Income | 113,929 |
| Total Employee Compensation & Benefits | 151,599 |
| NCUSIF Premiums Expense | 0 |
| Total Other Operating Expenses | 298,903 |
| Non-operating Income & (Expense) | -219 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | -1,989 |
| Cost of Funds | 3,481 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 104,011 |
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