Sep, 30, 2025 — SAINT LAWRENCE FEDERAL CREDIT UNION is a federal credit union headquartered in OGDENSBURG, NY with 6 branch locations and about $252.27 million in total assets. Opened 72 years ago in 1954, SAINT LAWRENCE FEDERAL CREDIT UNION has about 13,279 members and employs 61 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | SAINT LAWRENCE FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 800 Commerce Park Dr OGDENSBURG, NY 13669-2208 |
| Phone: | (315) 393-3530 |
| Fax: | (315) 393-3700 |
| Website: | https://www.stlawrfcu.com |
| Branches: | 6 branch locations |
| Members: | 13,279 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 9871 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1954 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $252,266,642 |
| CEO/Manager: | Amber M Taylor |
| Chairperson: | Douglas Loffler |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 13,097,057 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 106,643,137 |
| Unsecured Loans | 11,746,961 |
| Other Loans | 61,179,212 |
| TOTAL LOANS | 179,569,310 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -801,199 |
| Land And Building | 6,313,539 |
| Other Fixed Assets | 541,707 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 2,024,018 |
| All Other Assets | 163,439 |
| TOTAL ASSETS | 252,266,642 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 10,000,000 |
| Accounts Payable & Other Liabilities | 925,851 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 44,742,985 |
| Regular shares | 72,696,272 |
| All Other Shares & Deposits | 100,501,427 |
| TOTAL SHARES & DEPOSITS | 217,940,683 |
| TOTAL LIABILITIES | 228,866,534 |
| Regular Reserve | 0 |
| Other Reserves | -4,469,525 |
| Undivided Earnings | 27,869,633 |
| TOTAL EQUITY | 23,400,108 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 252,266,642 |
| INCOME & EXPENSE | |
| Loan Income | 8,458,604 |
| Investment Income | 1,011,822 |
| Other Income | 1,142,270 |
| Total Employee Compensation & Benefits | 3,600,860 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,862,742 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 180,557 |
| Cost of Funds | 2,945,050 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,955,504 |
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