Ed-Med Federal Credit Union

Overview / Commentary

601 Ford St
Ogdensburg, NY 13669

Ed-Med Federal Credit Union is headquartered in OGDENSBURG and is the 162^nd largest credit union in the state of New York. It is also the 3,064^th largest credit union in the nation. It was established in 1959 and as of March of 2019, it had grown to 3 employees and 2,192 members at 1 location. Ed-Med Federal Credit Union's CD rates are 40% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to employees of the Boards of Education of Morristown, Ogdensburg, Lisbon, or Hammond, employees of and doctors associated with Claxton Hepburn Medical Center, St Joseph's Home, United Helpers Organization, St Lawrence County CDP,
See current membership details

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Health

Data as of Q1 2019

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Ed-Med Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	13186
Year Chartered	1959
Employees	3
Primary Regulator

Profit Margin
Return on Assets - YTD	0.44%
Return on Equity - YTD	4.21%
Annual Interest Income	$190.00K

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$26.0MM$26.2MM
Loans	Q1 2019vs Q1 2018	$8.8MM$8.0MM
Deposits	Q1 2019vs Q1 2018	$23.3MM$23.7MM
Equity Capital	Q1 2019vs Q1 2018	$2.7MM$2.5MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$26.00K$13.00K
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$79.00K$71.00K
Real Estate Owned	Q1 2019vs Q1 2018	$0$0

Rates

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Savings
CD

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Ed-Med Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.65%	-	-	Regular Shares
0.65%	-	-	Christmas Shares
0.65%	-	-	Vacation Shares
0.65%	-	-	IRA Share

Ed-Med Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	$1k	-	24 Month Share Certificate
1.51%	$1k	-	18 Month Share Certificate
1.26%	$1k	-	12 Month Share Certificate
1.00%	$1k	-	6 Month Share Certificate

Locations

Ed-Med Federal Credit Union Locations
Branch Office	601 FORD ST	OGDENSBURG, NY 13669

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