Sep, 30, 2025 — WATERTOWN POSTAL FEDERAL CREDIT UNION is a federal credit union headquartered in WATERTOWN, NY with 1 branch location and about $5.92 million in total assets. Opened 77 years ago in 1949, WATERTOWN POSTAL FEDERAL CREDIT UNION has about 503 members and employs 3 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | WATERTOWN POSTAL FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 232 COMMERCE PARK DR WATERTOWN, NY 13601 |
| Phone: | (315) 788-4163 |
| Fax: | (315) 786-1563 |
| Website: | https://watertownpostalfcu.org |
| Branches: | 1 branch locations |
| Members: | 503 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 6112 |
|---|---|
| Membership Type: | Federal, State, Local Government |
| Corporate Credit Union: | No |
| Year Opened: | 1949 |
| Last Audited: | Aug 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $5,919,741 |
| CEO/Manager: | KELLY A DONNELLY |
| Chairperson: | RICHARD A DAVIS |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 638,793 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 415,144 |
| Other Loans | 2,341,238 |
| TOTAL LOANS | 2,756,381 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -36,718 |
| Land And Building | 0 |
| Other Fixed Assets | 6,104 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 51,671 |
| All Other Assets | 0 |
| TOTAL ASSETS | 5,919,741 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,182 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 0 |
| Regular shares | 5,099,004 |
| All Other Shares & Deposits | 0 |
| TOTAL SHARES & DEPOSITS | 5,099,004 |
| TOTAL LIABILITIES | 5,100,186 |
| Regular Reserve | 0 |
| Other Reserves | 173,488 |
| Undivided Earnings | 646,067 |
| TOTAL EQUITY | 819,555 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 5,919,741 |
| INCOME & EXPENSE | |
| Loan Income | 93,164 |
| Investment Income | 53,740 |
| Other Income | 0 |
| Total Employee Compensation & Benefits | 43,323 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 26,645 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 0 |
| Cost of Funds | 27,950 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 48,986 |
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