Sep, 30, 2025 — AMBRIDGE AREA FEDERAL CREDIT UNION is a federal credit union headquartered in BADEN, PA with 1 branch location and about $12.04 million in total assets. Opened 91 years ago in 1935, AMBRIDGE AREA FEDERAL CREDIT UNION has about 974 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: | AMBRIDGE AREA FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 401 State St BADEN, PA 15005-1736 |
| Phone: | (724) 869-3342 |
| Fax: | (724) 869-3348 |
| Website: | https://www.ambridgeareafcu.com |
| Branches: | 1 branch locations |
| Members: | 974 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 900 |
|---|---|
| Membership Type: | Multiple common bond - Primarily educational |
| Corporate Credit Union: | No |
| Year Opened: | 1935 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $12,042,782 |
| CEO/Manager: | Gary A FORD |
| Chairperson: | Joanne Gonzalez |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,492,184 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 738,790 |
| Unsecured Loans | 974,870 |
| Other Loans | 1,427,839 |
| TOTAL LOANS | 3,141,499 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -72,438 |
| Land And Building | 69,492 |
| Other Fixed Assets | 19,712 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 120,456 |
| All Other Assets | 0 |
| TOTAL ASSETS | 12,042,782 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 21,369 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | -3,603 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 829,286 |
| Regular shares | 6,219,386 |
| All Other Shares & Deposits | 4,219,252 |
| TOTAL SHARES & DEPOSITS | 11,267,924 |
| TOTAL LIABILITIES | 11,285,690 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 757,092 |
| TOTAL EQUITY | 757,092 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 12,042,782 |
| INCOME & EXPENSE | |
| Loan Income | 142,304 |
| Investment Income | 150,179 |
| Other Income | 1,350 |
| Total Employee Compensation & Benefits | 94,731 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 152,930 |
| Non-operating Income & (Expense) | 20,522 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | -855 |
| Cost of Funds | 164,823 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -97,274 |
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