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National Credit Union Service Organization

FIRST IMPERIAL CREDIT UNION

Dec, 31, 2023 — FIRST IMPERIAL CREDIT UNION is a federally insured state chartered credit union headquartered in EL CENTRO, CA with 4 branch locations and about $195.67 million in total assets. Opened 82 years ago in 1942, FIRST IMPERIAL CREDIT UNION has about 22,807 members and employs 61 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: 322276305
Name:FIRST IMPERIAL CREDIT UNION
Address:
(Main Office)
1602 W Main St
EL CENTRO, CA 92243-2232
Phone:(760) 352-1540
Fax:(760) 352-1887
Website:https://www.ficu.com
Branches:4 branch locations
Members:22,807
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:68356
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1942
Last Audited:Sep 01, 2023
FHLB Member:No
Low Income Designation:No
Assets:$195,670,139
CEO/Manager:Fidel Gonzalez
Chairperson:Victor Torres

Call Report

  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 17,479,768
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 11,686,260
 Unsecured Loans 14,730,525
 Other Loans 121,796,156
 TOTAL LOANS 148,212,941
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -2,146,630
 Land And Building 6,374,806
 Other Fixed Assets 827,250
 NCUSIF Deposit 1,495,444
 All Other Assets 72,412
  TOTAL ASSETS 195,670,139
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 5,903,430
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 34,531,809
 Regular shares 65,049,317
 All Other Shares & Deposits 66,112,235
  TOTAL SHARES & DEPOSITS 165,693,361
  TOTAL LIABILITIES 171,596,791
 Regular Reserve 0
 Other Reserves 1,190,252
 Undivided Earnings 22,883,096
  TOTAL EQUITY 24,073,348
  TOTAL LIABILITIES, SHARES, & EQUITY 195,670,139
INCOME & EXPENSE  
 Loan Income 8,619,479
 Investment Income 795,039
 Other Income 2,942,377
 Total Employee Compensation & Benefits 4,225,050
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 3,891,822
 Non-operating Income & (Expense) -7,557
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 616,911
 Cost of Funds 1,515,366
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 3,107,187
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