Sep, 30, 2025 — AFFINITY ONE FEDERAL CREDIT UNION is a federal credit union headquartered in JAMESTOWN, NY with 2 branch locations and about $44.51 million in total assets. Opened 78 years ago in 1948, AFFINITY ONE FEDERAL CREDIT UNION has about 3,291 members and employs 13 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | AFFINITY ONE FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 545 E 2nd St JAMESTOWN, NY 14701 |
| Phone: | (716) 483-2798 |
| Fax: | (716) 483-6136 |
| Website: | https://www.affinityonefcu.org |
| Branches: | 2 branch locations |
| Members: | 3,291 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 5785 |
|---|---|
| Membership Type: | Multiple common bond - Primarily other manufacturing |
| Corporate Credit Union: | No |
| Year Opened: | 1948 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $44,513,911 |
| CEO/Manager: | Melinda J Best |
| Chairperson: | Timothy C Adam |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,433,791 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 11,741,285 |
| Unsecured Loans | 1,478,522 |
| Other Loans | 13,318,845 |
| TOTAL LOANS | 26,538,655 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -82,615 |
| Land And Building | 970,651 |
| Other Fixed Assets | 61,063 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 392,379 |
| All Other Assets | 7,137 |
| TOTAL ASSETS | 44,513,911 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | -472,143 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 7,644,322 |
| Regular shares | 26,544,140 |
| All Other Shares & Deposits | 6,036,350 |
| TOTAL SHARES & DEPOSITS | 40,224,814 |
| TOTAL LIABILITIES | 39,752,671 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 4,761,240 |
| TOTAL EQUITY | 4,761,240 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 44,513,911 |
| INCOME & EXPENSE | |
| Loan Income | 1,052,629 |
| Investment Income | 316,497 |
| Other Income | 144,646 |
| Total Employee Compensation & Benefits | 661,458 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 738,184 |
| Non-operating Income & (Expense) | 2 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 45,333 |
| Cost of Funds | 87,435 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 161,543 |
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