Sep, 30, 2025 — CHEN-DEL-O FEDERAL CREDIT UNION is a federal credit union headquartered in FRANKLIN, NY with 1 branch location and about $33.07 million in total assets. Opened 72 years ago in 1954, CHEN-DEL-O FEDERAL CREDIT UNION has about 2,741 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | CHEN-DEL-O FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 114 MAIN ST FRANKLIN, NY 13775 |
| Phone: | (607) 829-3560 |
| Fax: | (607) 829-3561 |
| Website: | https://www.chendelo.org |
| Branches: | 1 branch locations |
| Members: | 2,741 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 9517 |
|---|---|
| Membership Type: | Multiple common bond - Primarily educational |
| Corporate Credit Union: | No |
| Year Opened: | 1954 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $33,066,368 |
| CEO/Manager: | ASHLEY L PITTSNOGLE |
| Chairperson: | BRECK S TARBELL |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 553,670 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 2,112,681 |
| Unsecured Loans | 2,176,546 |
| Other Loans | 4,369,905 |
| TOTAL LOANS | 8,659,132 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -103,533 |
| Land And Building | 40,150 |
| Other Fixed Assets | 0 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 280,819 |
| All Other Assets | 0 |
| TOTAL ASSETS | 33,066,368 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 20,318 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 3,261,699 |
| Regular shares | 19,214,291 |
| All Other Shares & Deposits | 6,401,907 |
| TOTAL SHARES & DEPOSITS | 28,877,897 |
| TOTAL LIABILITIES | 28,898,215 |
| Regular Reserve | 0 |
| Other Reserves | 452,922 |
| Undivided Earnings | 3,715,231 |
| TOTAL EQUITY | 4,168,153 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 33,066,368 |
| INCOME & EXPENSE | |
| Loan Income | 443,689 |
| Investment Income | 777,098 |
| Other Income | 18,213 |
| Total Employee Compensation & Benefits | 343,021 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 292,655 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | -24,432 |
| Cost of Funds | 154,227 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 528,486 |
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