Sep, 30, 2025 — STEUBEN CITIZENS FEDERAL CREDIT UNION is a federal credit union headquartered in BATH, NY with 3 branch locations and about $34.89 million in total assets. Opened 77 years ago in 1949, STEUBEN CITIZENS FEDERAL CREDIT UNION has about 2,565 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | STEUBEN CITIZENS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2 Wilson Ave BATH, NY 14810-1634 |
| Phone: | (607) 776-3684 |
| Fax: | |
| Website: | https://www.steubencitizensfcu.com |
| Branches: | 3 branch locations |
| Members: | 2,565 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 6225 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1949 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $34,887,693 |
| CEO/Manager: | Brandy L Holbrook |
| Chairperson: | Robert P Brown |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,706,621 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 597,873 |
| Unsecured Loans | 2,123,899 |
| Other Loans | 5,514,083 |
| TOTAL LOANS | 8,742,534 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -95,834 |
| Land And Building | 121,168 |
| Other Fixed Assets | 78,856 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 267,785 |
| All Other Assets | 0 |
| TOTAL ASSETS | 34,887,693 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 16,663 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 667,694 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 5,592,547 |
| Regular shares | 18,791,452 |
| All Other Shares & Deposits | 5,588,047 |
| TOTAL SHARES & DEPOSITS | 29,972,046 |
| TOTAL LIABILITIES | 30,656,403 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 4,231,290 |
| TOTAL EQUITY | 4,231,290 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 34,887,693 |
| INCOME & EXPENSE | |
| Loan Income | 339,271 |
| Investment Income | 510,949 |
| Other Income | 54,790 |
| Total Employee Compensation & Benefits | 243,901 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 438,270 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 46,502 |
| Cost of Funds | 110,167 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 207,974 |
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