2025-05-07T11:45:46-05:00 2024-12-31 161131146 BONADIO & CO LLP 6 WEMBLEY CT ALBANY NY 12205 990 2024-01-01 141822227 DIRECTORS CHOICE CREDIT UNION DIRE 5184562686 1 SOUTH FAMILY DRIVE ALBANY NY 12205 MICHAEL LANOTTE EXECUTIVE DIRECTOR 5184562686 2025-05-15 1 0 HEATHER J LEGGIERO P00487639 5184644080 2025-05-06 2024 2025-03-06 01:10:19Z MICHAEL LANOTTE 1 SOUTH FAMILY DRIVE ALBANY NY 12205 686296 0 X WWW.DIRECTORSCHOICECU.COM X FINANCIAL COOPERATIVE 2000 NY THE ORGANIZATION WAS STARTED TO PROVIDE UNIQUE, QUALITY FINANCIAL SERVICES TO THE FUNERAL DIRECTING PROFESSION SERVICE INDUSTRY IN ITS FIELD OF MEMBERSHIP. DIRECTORS CHOICE CREDIT UNION SERVES AS AN ALTERNATIVE TO BANKS BY PROVIDING BASIC SAVINGS AND LOAN SERVICES WITH EMPHASIS ON HIGH QUALITY MEMBER SERVICE. 7 7 0 0 147 0 0 0 470406 527064 79320 143313 22186 15919 571912 686296 0 0 0 0 0 0 0 0 0 330468 513449 330468 513449 241444 172847 11558225 10881960 9251055 8401945 2307170 2480015 X THE ORGANIZATION WAS STARTED TO PROVIDE UNIQUE, QUALITY FINANCIAL SERVICES TO THE FUNERAL DIRECTING PROFESSION SERVICE INDUSTRY IN ITS FIELD OF MEMBERSHIP. DIRECTORS CHOICE CREDIT UNION SERVES AS AN ALTERNATIVE TO BANKS BY PROVIDING BASIC SAVINGS AND LOAN SERVICES WITH EMPHASIS ON HIGH QUALITY MEMBER SERVICE. 0 0 THE CREDIT UNION OPERATES AS A FEDERALLY INSURED, STATE CHARTERED CREDIT UNION. THE ORGANIZATION IS CURRENTLY SERVICING $7.697 MILLION IN LOANS WITH ASSETS OF $10.882 MILLION. 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 1 0 0 1 125 0 1 0 0 0 0 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 0 1 1 0 0 1 1 1 1 1 1 0 0 0 X X LINDA ISABEL 5184562686 1 SOUTH FAMILY DRIVE ALBANY NY 12205 X WAYNE BRASCO BOARD MEMBER 0.50 X 0 0 0 EUGENE M GUARINO CHAIR 0.50 X 0 0 0 FRANK KERBEIN VICE CHAIR 0.50 X 0 0 0 CHARLES WATERMAN BOARD MEMBER 0.50 X 0 0 0 KELLY DEITZ SEC/TREAS 0.50 X 0 0 0 TODD KILMER BOARD MEMBER 0.50 X 0 0 0 DAVID PARENTE BOARD MEMBER 0.50 X 0 0 0 AMY LICO OPERATIONS MANAGER 37.50 X 0 0 0 MICHAEL LANOTTE EXECUTIVE DIRECTOR 2.00 35.50 X 0 0 0 0 0 0 0 0 0 0 0 LOAN INTEREST 522291 527064 527064 527064 143313 143313 REVENUE FROM SPONSOR 900099 10000 10000 OTHER OPERATING INCOME 900099 5772 5772 INSURANCE PREMIUMS 522200 121 121 26 26 15919 686296 542836 147 143313 X 18335 11013 8860 189711 5968 PROVISIONS FOR LOAN LOS 198000 MAINTENANCE 32733 DEBIT CARD EXPENSES 12744 BANK CHARGES 10837 25248 513449 7590 4774 3429199 3108685 8040102 7697211 81334 71290 11558225 10881960 1264 1238 9249791 8400707 9251055 8401945 X 2274844 2447689 32326 32326 2307170 2480015 11558225 10881960 172847 0 X 0 0 0 0 MEMBER SHARES 7655706 NON-MEMBER SHARES 745001 8400707 BOARD MEMBER LOANS ALLOWED PRIVACY BOARD MEMBER ON SAME TERMS AS OFFERED TO OTHER MEMBERS OF THE CREDIT UNION X 60630 60630 0 0 1 BOARD MEMBER LOANS ALLOWED PRIVACY BOARD MEMBER ON SAME TERMS AS OFFERED TO OTHER MEMBERS OF THE CREDIT UNION X 182000 182000 0 0 1 BOARD MEMBER LOANS ALLOWED PRIVACY BOARD MEMBER ON SAME TERMS AS OFFERED TO OTHER MEMBERS OF THE CREDIT UNION X 10500 10500 0 0 1 253130 FORM 990, PART VI, SECTION A, LINE 6 MEMBERS ARE THOSE WHO HAVE SHARE ACCOUNTS WITH THE CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 7A DIRECTORS ARE ELECTED BY SHAREHOLDERS (MEMBERS) AND OFFICERS ARE ELECTED BY THE BOARD MEMBERS. FORM 990, PART VI, SECTION B, LINE 11B DCCU MANAGEMENT PROVIDES THE BOARD OF DIRECTORS WITH A COPY OF THE 990 TO BE FILED. FORM 990, PART VI, SECTION B, LINE 12C THE DCCU BOARD OF DIRECTORS AND ITS SUPERVISORY COMMITTEE REVIEW AND SIGN THE DISCLOSURE AND CONFLICT OF INTEREST AGREEMENT AS NEEDED, AT LEAST ANNUALLY. FORM 990, PART VI, SECTION C, LINE 19 DCCU WILL MAKE ITS 990 AVAILABLE TO THE PUBLIC UPON REQUEST, THE FORM 990 IS ALSO AVAILABLE ON GUIDESTAR.ORG FORM 990, PART IX, LINE 24E POSTAGE AND DELIVERY 8,882. BANKING 6,407. SUBSCRIPTIONS 3,485. MISCELLANEOUS EXPENSES 3,149. CREDIT REPORTS 2,345. MISCELLANEOUS SERVICES 600. TELEPHONE 380. NEW YORK STATE FUNERAL DIRECTORS ASSOCIATION 1 SOUTH FAMILY DRIVE ALBANY NY 12205 150398553 TRADE ASSOCIATION OF FUNERAL DIRECTORS IN NEW YORK STATE NY 501C N/A 0 FUNERAL DIRECTOR SUPPORT SERVICES INC 1 SOUTH FAMILY DRIVE ALBANY NY 12205 133456590 SPONSOR OF DCCU - FUNDS OPERATION NY WHOLLY OWNED SUBSIDARY OF THE NYSFDA C 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0 1 0 0 0 NEW YORK STATE FUNERAL DIRECTORS ASSOCIATION (UNDER 50000) M FUNERAL DIRECTOR SUPPORT SERVICES (UNDER 50000) M NEW YORK STATE FUNERAL DIRECTORS ASSOCIATION (UNDER 50000) N FUNERAL DIRECTOR SUPPORT SERVICES P 10000 ACTUAL AMOUNT REIMBURSED