Sep, 30, 2025 — FRANKLIN-OIL REGION CREDIT UNION is a federally insured state chartered credit union headquartered in FRANKLIN, PA with 3 branch locations and about $37.88 million in total assets. Opened 52 years ago in 1974, FRANKLIN-OIL REGION CREDIT UNION has about 5,865 members and employs 20 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FRANKLIN-OIL REGION CREDIT UNION |
|---|---|
| Address: (Main Office) | 777 Allegheny Blvd FRANKLIN, PA 16323 |
| Phone: | (814) 432-4091 |
| Fax: | (814) 437-2720 |
| Website: | https://www.newdirectionsccu.com |
| Branches: | 3 branch locations |
| Members: | 5,865 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 65356 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1974 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $37,884,903 |
| CEO/Manager: | Karen S Baldwin |
| Chairperson: | Joyce Luton |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,708,668 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 6,081,329 |
| Unsecured Loans | 5,277,617 |
| Other Loans | 14,056,748 |
| TOTAL LOANS | 25,415,694 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -196,472 |
| Land And Building | 3,132,348 |
| Other Fixed Assets | 283,657 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 316,113 |
| All Other Assets | 0 |
| TOTAL ASSETS | 37,884,903 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 126,296 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 6,413,961 |
| Regular shares | 17,842,957 |
| All Other Shares & Deposits | 7,645,893 |
| TOTAL SHARES & DEPOSITS | 31,902,811 |
| TOTAL LIABILITIES | 32,029,107 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 5,855,796 |
| TOTAL EQUITY | 5,855,796 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 37,884,903 |
| INCOME & EXPENSE | |
| Loan Income | 1,297,387 |
| Investment Income | 256,983 |
| Other Income | 215,725 |
| Total Employee Compensation & Benefits | 884,231 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 890,843 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 121,925 |
| Cost of Funds | 227,416 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 19,936 |
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