named programs · 6 · from sources
What they call their work
Cash-Out Auto Refinance
Refinancing option that allows members to access equity in their vehicle by refinancing for a higher amount and receiving the difference in cash.
GREENLight Auto Loan
Auto loan with lease-like monthly payments while retaining full ownership; designed for lower upfront costs and flexible repayment options.
Home Equity Line of Credit (HELOC)
Revolving line of credit based on home equity, allowing members to borrow as needed during the draw period with interest charged only on amounts used.
Home Equity Loan
Provides lump-sum borrowing against home equity at fixed rates, ideal for one-time expenses such as renovations or debt consolidation.
Mortgage Loan
Offers fixed-rate and adjustable-rate mortgage loans for home purchase or refinance, including a First-Time Homebuyer Program with down payment and closing cost assistance.
Standard Auto Loan
Traditional auto financing with fixed interest rates and predictable monthly payments for new and used vehicles, offering full ownership from the start.
activities · 5 groups
What they do
-
Credit Union Financial Services 4 activities
- Enabling shared branch and ATM accessProvides members access to more than 5,600 credit union branch locations through the UsNet Shared Branch Network and 30,000 surcharge-free ATMs via the Co-Op ATM Network, expanding service reach beyond local branches.
- Issuing credit cardsOffers two Visa credit card products: a Visa Platinum Card for everyday spending and a Shared Secured Visa Card for credit building, both with no annual fees. Includes benefits such as Zero Liability protection, fraud monitoring, and 24/7 mobile and online access.
- Providing auto lending servicesOffers Standard Auto Loans and GREENLight Auto Loans for new and used vehicles with competitive rates and flexible terms, including refinancing and cash-out refinancing options. Provides an online application process and Auto Loan Calculator to estimate monthly payments.
- Providing member-owned financial servicesOperates as a not-for-profit financial cooperative where members are owners, providing quality financial services to improve the well-being of members and their families. Returns excess earnings to members through competitive dividend rates, low interest rates, low-cost financial products, and low or no service charges.
-
-
Facility-Based Service Delivery 1 activity
- Expanding local branch presenceOpened a new branch in Greenwich, NY to provide accessible, relationship-driven banking services to the Washington County community, enhancing local financial access.
-
-
Fundraising for Community and Charitable Initiatives 1 activity
- Funding community donations and sponsorshipsFunds charitable donations and sponsorships for eligible organizations, with preferential consideration given to requests submitted by credit union members.
-
-
Student and User Data Privacy & Security 1 activity
- Implementing fraud prevention and cybersecurity measuresUses multi-factor authentication, encryption, IP blocking, and behavioral transaction monitoring to protect member accounts. Applies controls on transaction amounts and velocity, and leverages biometric verification and device identification for secure access.
-
-
First-Time Homebuyer Support Services 1 activity
- Offering mortgage and home equity financingProvides fixed-rate and adjustable-rate mortgages, first-time homebuyer loans, refinancing, and down payment/closing cost assistance through a First-Time Homebuyer Program. Offers fixed-rate home equity loans and variable-rate HELOCs with flexible terms, no fees, and local guidance; funds accessible via online banking, checks, or transfers.
-
financials · form 990 · fy2025
revenue
Total revenue$22.20M
Contributions & grants$00%
Program service revenue$15.01M68%
Investment income$1.21M5%
Other revenue$5.98M
expenses
Total expenses$20.28M
Program expenses—
Admin / overhead—
Fundraising—
Salaries & benefits$8.35M
Grants paid out$92K
Largest expense lineCompensation
balance sheet
Total assets$358.54M
Cash$51.25M
Investments$1.50M
Liabilities$304.94M
Net assets$53.60M
Liquid reserves31.2 mo
4 years on record · 2022–2025 · YoY revenue +1.9%
leadership · form 990 part vii · fy2025
Who runs it
paid leadership · 8
| Name | Title | Hours/wk | Compensation |
|---|---|---|---|
| SUSAN COMMANDA | CEO | 40 | $508K |
| LORRAINE MAROLA | EVP | 40 | $414K |
| PAULA SHEELY | CRO | 40 | $244K |
| ROBERT GERBER | CIO | 40 | $223K |
| MELISSE ROBINSON | VP OF HR | 40 | $185K |
| KACIE KENYON | CONTROLLER | 40 | $159K |
| JAMES HOLMES | VP FINANCE & GROWTH | 40 | $159K |
| JOSEPH KORSZUM | DIRECTOR OF BUSINESS INTELLIGENCE | 40 | $125K |
board members · 7
- ALVEY HARRISON — DIRECTOR
- CAROL ANN PACCO-LONG — TREASURER & DIRECTOR
- CHARLES PASQUARELL — PRESIDENT & DIRECTOR
- DENISE WILLIAMS — DIRECTOR
- DINO ROSATI — VICE PRESIDENT & DIRECTOR
- STUART FIELD — DIRECTOR
- THOMAS UNCHER — SECRETARY & DIRECTOR
relationships · 17
Who they work with
- CUNA Government — Receives donations through Political Action Committees for candidates for elective office.
- Co-Op Network Network — Participates in the Co-Op ATM Network to provide surcharge-free ATM access.
- Community Development Financial Institution Government — Designated Community Development Financial Institution (CDFI), indicating focus on underserved communities.
- Community Development Financial Institution Government — Designation indicating federal recognition for community development focus
- Credit Union Association of New York Government — Receives donations through Political Action Committees for candidates for elective office.
- HRCCU branch locations in Cohoes, Corinth, Hudson Falls, Glens Falls, and Greenwich, NY Partner — Members can apply for mortgage loans in person at HRCCU branch locations across upstate New York.
- Jason Greco Partner — Appointed as Chief Technology Officer to lead technology strategy and digital innovation.
- Margaret Rabida Partner — Honored for decades of service and leadership as a volunteer member of HRCCU’s Board of Directors.
- Marshall & Sterling Insurance Partner — Insurance services partner as indicated by logo display on the website.
- Marshall & Sterling Insurance Partner — Insurance services partner as indicated by logo inclusion
- Marshall & Sterling Insurance Partner — Partner providing insurance services to HRCCU members.
- MeridianLink Partner — Technology partner used for online auto loan application processing.
- National Credit Union Administration Government — Regulatory and oversight affiliation as a federally chartered credit union.
- National Credit Union Administration Government — Regulatory and oversight affiliation as indicated by logo display
- National Credit Union Administration Government — Regulatory and oversight affiliation as indicated by logo display and credit union status.
- UsNet Network — Member of the UsNet Shared Branch Network, enabling access to shared branch services.
- Visa Partner — Partnered with Visa to issue co-branded credit cards offering Zero Liability protection and fraud monitoring.
strategies · 3
How they approach the work
Named approaches extracted from this org’s sources. Where others share an approach, follow it to see the full set of orgs running it.
- Member-Centered Financial Supportmethodology: member_centered_supportBy providing one-on-one guidance from local lending and mortgage specialists, the credit union helps members navigate complex financial processes — because personalized support aligned with individual financial goals leads to better borrowing decisions, higher satisfaction, and long-term financial health.
- Member-Owned Cooperative Modelmethodology: member_owned_cooperative_modelBy operating as a not-for-profit, member-owned financial cooperative, the credit union prioritizes members' financial well-being over external profit, reinvesting earnings to provide lower rates, no annual fees, and transparent terms — because aligning institutional ownership with member interests produces better financial outcomes.
- Relationship-Driven Bankingmethodology: relationship_driven_bankingBy delivering personalized, local service through direct member relationships, the credit union builds trust and supports informed financial decision-making — because ongoing, human-centered engagement increases member confidence, loyalty, and financial literacy more effectively than centralized or automated systems.