Sep, 30, 2025 — ERIE COUNTY EMPLOYEES CREDIT UNION is a federally insured state chartered credit union headquartered in BUFFALO, NY with 1 branch location and about $31.37 million in total assets. Opened 86 years ago in 1940, ERIE COUNTY EMPLOYEES CREDIT UNION has about 3,860 members and employs 7 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ERIE COUNTY EMPLOYEES CREDIT UNION |
|---|---|
| Address: (Main Office) | 95 Franklin St BUFFALO, NY 14202-3927 |
| Phone: | (716) 858-6245 |
| Fax: | (716) 858-7602 |
| Website: | https://www.eriecountycreditunion.net/ |
| Branches: | 1 branch locations |
| Members: | 3,860 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 62923 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1940 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $31,371,018 |
| CEO/Manager: | Kristy R Drew-Gabioud |
| Chairperson: | Barbara Young |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,684,614 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 1,596,271 |
| Unsecured Loans | 1,629,587 |
| Other Loans | 5,515,320 |
| TOTAL LOANS | 8,741,178 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -56,962 |
| Land And Building | 0 |
| Other Fixed Assets | 0 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 266,759 |
| All Other Assets | 0 |
| TOTAL ASSETS | 31,371,018 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 45,542 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 89,718 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 4,315,173 |
| Regular shares | 21,659,794 |
| All Other Shares & Deposits | 1,038,045 |
| TOTAL SHARES & DEPOSITS | 27,013,011 |
| TOTAL LIABILITIES | 27,148,271 |
| Regular Reserve | 0 |
| Other Reserves | 767,390 |
| Undivided Earnings | 3,455,357 |
| TOTAL EQUITY | 4,222,747 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 31,371,018 |
| INCOME & EXPENSE | |
| Loan Income | 324,335 |
| Investment Income | 391,994 |
| Other Income | 3,216 |
| Total Employee Compensation & Benefits | 307,871 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 239,161 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 0 |
| Cost of Funds | 36,690 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 201,070 |
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