Dec, 31, 2023 — INTEGRA FIRST FEDERAL CREDIT UNION is a federal credit union headquartered in POWERS, MI with 4 branch locations and about $128.22 million in total assets. Opened 76 years ago in 1948, INTEGRA FIRST FEDERAL CREDIT UNION has about 11,540 members and employs 33 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | INTEGRA FIRST FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | W3803 US Highway 2/41 POWERS, MI 49874-9793 |
| Phone: | (906) 497-5229 |
| Fax: | (906) 497-5881 |
| Website: | https://www.integrafirstfcu.com |
| Branches: | 4 branch locations |
| Members: | 11,540 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 5748 |
|---|---|
| Membership Type: | Community - Rural District |
| Corporate Credit Union: | No |
| Year Opened: | 1948 |
| Last Audited: | Sep 01, 2023 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $128,224,483 |
| CEO/Manager: | Mindy Brezsko |
| Chairperson: | Marc Kleiman |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 14,931,624 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 32,516,880 |
| Unsecured Loans | 6,913,604 |
| Other Loans | 39,979,104 |
| TOTAL LOANS | 79,409,588 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -226,517 |
| Land And Building | 3,817,366 |
| Other Fixed Assets | 676,741 |
| NCUSIF Deposit | 1,084,504 |
| All Other Assets | 0 |
| TOTAL ASSETS | 128,224,483 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 981,969 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 27,835,062 |
| Regular shares | 43,360,328 |
| All Other Shares & Deposits | 45,949,967 |
| TOTAL SHARES & DEPOSITS | 117,145,358 |
| TOTAL LIABILITIES | 118,127,327 |
| Regular Reserve | 0 |
| Other Reserves | -1,460,741 |
| Undivided Earnings | 11,557,897 |
| TOTAL EQUITY | 10,097,156 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 128,224,483 |
| INCOME & EXPENSE | |
| Loan Income | 4,052,633 |
| Investment Income | 897,573 |
| Other Income | 773,189 |
| Total Employee Compensation & Benefits | 1,971,976 |
| NCUSIF Premiums Expense | 0 |
| Total Other Operating Expenses | 2,223,658 |
| Non-operating Income & (Expense) | 790 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 298,064 |
| Cost of Funds | 762,908 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 623,649 |
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