YOUNGSTOWN CITY SCHOOLS CREDIT UNION is no longer an active credit union according to the NCUA. If available, you can view their website at https://www.ycsd.org for more information.
Sep, 30, 2025 — YOUNGSTOWN CITY SCHOOLS CREDIT UNION is a non-federally insured state credit union headquartered in Youngstown, OH with 1 branch location and about $8.21 million in total assets. Opened 2026 years ago in 0, YOUNGSTOWN CITY SCHOOLS CREDIT UNION has about 1,202 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: | YOUNGSTOWN CITY SCHOOLS CREDIT UNION |
|---|---|
| Address: (Main Office) | PO Box 550 Youngstown, OH 44501-0550 |
| Phone: | (330) 744-5846 |
| Fax: | (330) 480-1914 |
| Website: | https://www.ycsd.org |
| Branches: | 1 branch locations |
| Members: | 1,202 |
| Credit Union Type: | Non-Federally Insured State Credit Union |
| Charter Number: | 96812 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 0 |
| Last Audited: | Dec 01, 2021 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $8,209,006 |
| CEO/Manager: | Teresa M Morella |
| Chairperson: | Ruth A Fletcher |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 530,278 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 336,465 |
| Other Loans | 3,247,483 |
| TOTAL LOANS | 3,583,948 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -21,451 |
| Land And Building | 0 |
| Other Fixed Assets | 16,721 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 0 |
| All Other Assets | 0 |
| TOTAL ASSETS | 8,209,006 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 50 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 16,811 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 0 |
| Regular shares | 4,816,559 |
| All Other Shares & Deposits | 519,190 |
| TOTAL SHARES & DEPOSITS | 5,335,749 |
| TOTAL LIABILITIES | 5,352,610 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 2,856,396 |
| TOTAL EQUITY | 2,856,396 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 8,209,006 |
| INCOME & EXPENSE | |
| Loan Income | 92,517 |
| Investment Income | 55,152 |
| Other Income | 1,378 |
| Total Employee Compensation & Benefits | 85,786 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 55,141 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 18,437 |
| Cost of Funds | 2,446 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -12,763 |
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