Sep, 30, 2025 — DIRECTORS CHOICE CREDIT UNION is a federally insured state chartered credit union headquartered in ALBANY, NY with 1 branch location and about $12.09 million in total assets. Opened 27 years ago in 1999, DIRECTORS CHOICE CREDIT UNION has about 751 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: | DIRECTORS CHOICE CREDIT UNION |
|---|---|
| Address: (Main Office) | 1 South Family Drive ALBANY, NY 12205 |
| Phone: | (518) 456-2686 |
| Fax: | (518) 452-9065 |
| Website: | https://www.directorschoicecu.com/ |
| Branches: | 1 branch locations |
| Members: | 751 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68420 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1999 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $12,090,878 |
| CEO/Manager: | Linda Isabel |
| Chairperson: | Eugene M Guarino |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 3,206,134 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 378,611 |
| Other Loans | 6,706,899 |
| TOTAL LOANS | 7,085,512 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -282,091 |
| Land And Building | 0 |
| Other Fixed Assets | 0 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 63,883 |
| All Other Assets | 0 |
| TOTAL ASSETS | 12,090,878 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 656 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 334,796 |
| Regular shares | 1,159,035 |
| All Other Shares & Deposits | 7,909,832 |
| TOTAL SHARES & DEPOSITS | 9,403,664 |
| TOTAL LIABILITIES | 9,404,320 |
| Regular Reserve | 0 |
| Other Reserves | 32,325 |
| Undivided Earnings | 2,654,233 |
| TOTAL EQUITY | 2,686,558 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 12,090,878 |
| INCOME & EXPENSE | |
| Loan Income | 372,278 |
| Investment Income | 117,697 |
| Other Income | 1,372 |
| Total Employee Compensation & Benefits | 0 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 94,678 |
| Non-operating Income & (Expense) | 10,000 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 45,000 |
| Cost of Funds | 156,994 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 206,548 |
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