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SIDNEY FEDERAL CREDIT UNION

Dec, 31, 2023 — SIDNEY FEDERAL CREDIT UNION is a federal credit union headquartered in SIDNEY, NY with 12 branch locations and about $940.72 million in total assets. Opened 75 years ago in 1949, SIDNEY FEDERAL CREDIT UNION has about 69,849 members and employs 211 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: 221379905
Name:SIDNEY FEDERAL CREDIT UNION
Address:
(Main Office)
42 Union St
SIDNEY, NY 13838
Phone:(607) 561-7300
Fax:(607) 563-7474
Website:https://www.sfcuonline.org
Branches:12 branch locations
Members:69,849
Credit Union Type:Federal Credit Union
Charter Number:6011
Membership Type:Community - Rural District
Corporate Credit Union:No
Year Opened:1949
Last Audited:Dec 01, 2022
FHLB Member:Yes
Low Income Designation:No
Assets:$940,715,481
CEO/Manager:Jim H Reynolds
Chairperson:Scott McLean

Call Report

  • Credit Builder
  • First Time Homebuyer Program
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 48,631,571
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 106,958,227
 Unsecured Loans 76,152,374
 Other Loans 544,069,539
 TOTAL LOANS 727,278,050
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -7,917,440
 Land And Building 13,332,025
 Other Fixed Assets 3,565,091
 NCUSIF Deposit 7,987,612
 All Other Assets 1,356,970
  TOTAL ASSETS 940,715,481
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 8,882,296
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 151,323,984
 Regular shares 235,927,381
 All Other Shares & Deposits 451,587,391
  TOTAL SHARES & DEPOSITS 838,838,756
  TOTAL LIABILITIES 847,721,052
 Regular Reserve 0
 Other Reserves 4,150,632
 Undivided Earnings 88,843,797
  TOTAL EQUITY 92,994,429
  TOTAL LIABILITIES, SHARES, & EQUITY 940,715,481
INCOME & EXPENSE  
 Loan Income 39,045,398
 Investment Income 3,464,091
 Other Income 3,319,873
 Total Employee Compensation & Benefits 16,779,141
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 15,589,274
 Non-operating Income & (Expense) 2,333,551
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 5,008,232
 Cost of Funds 9,785,289
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 6,556,996
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