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OSWEGO COUNTY FEDERAL CREDIT UNION

Dec, 31, 2023 — OSWEGO COUNTY FEDERAL CREDIT UNION is a federal credit union headquartered in OSWEGO, NY with 5 branch locations and about $127.25 million in total assets. Opened 49 years ago in 1975, OSWEGO COUNTY FEDERAL CREDIT UNION has about 13,181 members and employs 53 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 021382655
Name:OSWEGO COUNTY FEDERAL CREDIT UNION
Address:
(Main Office)
90 E Bridge St
OSWEGO, NY 13126
Phone:(315) 343-7822
Fax:(315) 343-7826
Website:https://www.oswegofcu.org
Branches:5 branch locations
Members:13,181
Credit Union Type:Federal Credit Union
Charter Number:21927
Membership Type:Multiple common bond - Primarily federal, state, local government
Corporate Credit Union:No
Year Opened:1975
Last Audited:Jun 01, 2023
FHLB Member:No
Low Income Designation:No
Assets:$127,251,909
CEO/Manager:William Carhart
Chairperson:Harrison Greeney

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Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 12,078,804
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 34,611,731
 Unsecured Loans 21,932,097
 Other Loans 46,395,709
 TOTAL LOANS 102,939,536
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -1,119,151
 Land And Building 6,240,285
 Other Fixed Assets 357,463
 NCUSIF Deposit 1,091,214
 All Other Assets 0
  TOTAL ASSETS 127,251,909
LIABILITIES & CAPITAL:  
 Dividends Payable 3,460
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 1,988,475
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 26,928,196
 Regular shares 55,264,552
 All Other Shares & Deposits 29,074,848
  TOTAL SHARES & DEPOSITS 111,267,596
  TOTAL LIABILITIES 113,259,531
 Regular Reserve 0
 Other Reserves 201,823
 Undivided Earnings 13,790,555
  TOTAL EQUITY 13,992,378
  TOTAL LIABILITIES, SHARES, & EQUITY 127,251,909
INCOME & EXPENSE  
 Loan Income 6,345,086
 Investment Income 481,851
 Other Income 496,922
 Total Employee Compensation & Benefits 3,040,051
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 4,186,633
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 265,659
 Cost of Funds 647,453
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 2,010,197
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