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National Credit Union Service Organization

UNITE CREDIT UNION

Dec, 31, 2023 — UNITE CREDIT UNION is a federally insured state chartered credit union headquartered in CEDAR FALLS, IA with 2 branch locations and about $22.81 million in total assets. Opened 69 years ago in 1955, UNITE CREDIT UNION has about 1,637 members and employs 6 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: 273972842
Name:UNITE CREDIT UNION
Address:
(Main Office)
802 W 29th St
CEDAR FALLS, IA 50613-5022
Phone:(319) 273-2479
Fax:(319) 266-3761
Website:https://www.unite-cu.org
Branches:2 branch locations
Members:1,637
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:65071
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1955
Last Audited:Dec 01, 2023
FHLB Member:No
Low Income Designation:No
Assets:$22,807,044
CEO/Manager:Carlos Pinto
Chairperson:Melissa L Beall

Call Report

  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 1,413,199
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 3,774,325
 Unsecured Loans 663,143
 Other Loans 3,500,168
 TOTAL LOANS 7,937,635
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -98,109
 Land And Building 46,503
 Other Fixed Assets 44,565
 NCUSIF Deposit 195,205
 All Other Assets 0
  TOTAL ASSETS 22,807,044
LIABILITIES & CAPITAL:  
 Dividends Payable 11,667
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 84,453
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 5,401,434
 Regular shares 11,720,595
 All Other Shares & Deposits 2,866,484
  TOTAL SHARES & DEPOSITS 19,988,512
  TOTAL LIABILITIES 20,084,632
 Regular Reserve 0
 Other Reserves 988,044
 Undivided Earnings 1,734,368
  TOTAL EQUITY 2,722,412
  TOTAL LIABILITIES, SHARES, & EQUITY 22,807,044
INCOME & EXPENSE  
 Loan Income 503,865
 Investment Income 219,035
 Other Income 63,306
 Total Employee Compensation & Benefits 358,616
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 477,759
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 107,719
 Cost of Funds 60,417
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -104,955
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