Sep, 30, 2025 — POLISH NATIONAL CREDIT UNION is a federally insured state chartered credit union headquartered in CHICOPEE, MA with 8 branch locations and about $761.08 million in total assets. Opened 105 years ago in 1921, POLISH NATIONAL CREDIT UNION has about 28,711 members and employs 147 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | POLISH NATIONAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 923 Front St CHICOPEE, MA 01020-1723 |
| Phone: | (413) 592-5108 |
| Fax: | (413) 278-5009 |
| Website: | https://www.pncu.com |
| Branches: | 8 branch locations |
| Members: | 28,711 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 66597 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1921 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $761,082,498 |
| CEO/Manager: | James P Kelly |
| Chairperson: | Gary Ziemba |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 18,691,073 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 199,328 |
| Real Estate Loans | 481,843,568 |
| Unsecured Loans | 1,737,338 |
| Other Loans | 141,347,435 |
| TOTAL LOANS | 624,928,341 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -2,216,138 |
| Land And Building | 11,668,157 |
| Other Fixed Assets | 1,559,618 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 5,411,103 |
| All Other Assets | 0 |
| TOTAL ASSETS | 761,082,498 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 56,143,584 |
| Accounts Payable & Other Liabilities | 6,034,645 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 145,287,369 |
| Regular shares | 136,051,154 |
| All Other Shares & Deposits | 315,853,254 |
| TOTAL SHARES & DEPOSITS | 597,191,776 |
| TOTAL LIABILITIES | 659,370,005 |
| Regular Reserve | 0 |
| Other Reserves | 9,298,506 |
| Undivided Earnings | 92,413,987 |
| TOTAL EQUITY | 101,712,493 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 761,082,498 |
| INCOME & EXPENSE | |
| Loan Income | 18,942,574 |
| Investment Income | 3,056,292 |
| Other Income | 2,288,680 |
| Total Employee Compensation & Benefits | 10,231,878 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 6,871,418 |
| Non-operating Income & (Expense) | -28,895 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 20,352 |
| Cost of Funds | 6,209,121 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 2,163,198 |
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