Dec, 31, 2023 — FIRST CAPITAL FEDERAL CREDIT UNION is a federal credit union headquartered in YORK, PA with 5 branch locations and about $302.37 million in total assets. Opened 70 years ago in 1954, FIRST CAPITAL FEDERAL CREDIT UNION has about 20,644 members and employs 65 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FIRST CAPITAL FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1601 Kenneth Rd YORK, PA 17408-2228 |
| Phone: | (717) 767-5551 |
| Fax: | (717) 767-6207 |
| Website: | https://www.firstcapitalfcu.com |
| Branches: | 5 branch locations |
| Members: | 20,644 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 24490 |
|---|---|
| Membership Type: | Multiple common bond - Primarily machinery |
| Corporate Credit Union: | No |
| Year Opened: | 1954 |
| Last Audited: | Dec 01, 2022 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $302,369,496 |
| CEO/Manager: | Susan L DeStephano |
| Chairperson: | Stewart S Olewiler |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 39,780,654 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 108,819,986 |
| Unsecured Loans | 15,926,249 |
| Other Loans | 68,572,428 |
| TOTAL LOANS | 193,318,663 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,204,522 |
| Land And Building | 5,554,847 |
| Other Fixed Assets | 1,528,637 |
| NCUSIF Deposit | 2,707,183 |
| All Other Assets | 0 |
| TOTAL ASSETS | 302,369,496 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,812,517 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 64,097,926 |
| Regular shares | 123,377,544 |
| All Other Shares & Deposits | 82,661,719 |
| TOTAL SHARES & DEPOSITS | 270,137,189 |
| TOTAL LIABILITIES | 271,949,706 |
| Regular Reserve | 0 |
| Other Reserves | -1,403,910 |
| Undivided Earnings | 31,823,700 |
| TOTAL EQUITY | 30,419,790 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 302,369,496 |
| INCOME & EXPENSE | |
| Loan Income | 8,637,286 |
| Investment Income | 3,846,721 |
| Other Income | 1,878,868 |
| Total Employee Compensation & Benefits | 4,925,339 |
| NCUSIF Premiums Expense | 0 |
| Total Other Operating Expenses | 5,650,889 |
| Non-operating Income & (Expense) | 188,467 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 130,784 |
| Cost of Funds | 1,435,760 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 5,873,293 |
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