Sep, 30, 2025 — FRIENDS & FAMILY CREDIT UNION is a non-federally insured state credit union headquartered in MASSILLON, OH with 3 branch locations and about $108.22 million in total assets. Opened 2026 years ago in 0, FRIENDS & FAMILY CREDIT UNION has about 9,776 members and employs 27 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FRIENDS & FAMILY CREDIT UNION |
|---|---|
| Address: (Main Office) | 3920 Erie St S MASSILLON, OH 44646 |
| Phone: | (330) 832-1371 |
| Fax: | (330) 832-7650 |
| Website: | https://www.friendsandfamilycu.com |
| Branches: | 3 branch locations |
| Members: | 9,776 |
| Credit Union Type: | Non-Federally Insured State Credit Union |
| Charter Number: | 96750 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 0 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $108,218,643 |
| CEO/Manager: | Jeanna C Costanzo |
| Chairperson: | Jim Triner |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 4,778,486 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 29,566,734 |
| Unsecured Loans | 4,460,828 |
| Other Loans | 42,819,271 |
| TOTAL LOANS | 76,846,833 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -67,574 |
| Land And Building | 2,154,315 |
| Other Fixed Assets | 681,648 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 0 |
| All Other Assets | 0 |
| TOTAL ASSETS | 108,218,643 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 164,896 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 439,068 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 16,219,084 |
| Regular shares | 41,195,093 |
| All Other Shares & Deposits | 41,653,701 |
| TOTAL SHARES & DEPOSITS | 99,067,878 |
| TOTAL LIABILITIES | 99,671,842 |
| Regular Reserve | 0 |
| Other Reserves | 421,830 |
| Undivided Earnings | 8,124,971 |
| TOTAL EQUITY | 8,546,801 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 108,218,643 |
| INCOME & EXPENSE | |
| Loan Income | 3,189,542 |
| Investment Income | 580,241 |
| Other Income | 544,329 |
| Total Employee Compensation & Benefits | 1,184,121 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,023,480 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 58,481 |
| Cost of Funds | 1,106,977 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 215,119 |
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