Dec, 31, 2023 — POSTAL & COMMUNITY CREDIT UNION is a federally insured state chartered credit union headquartered in SAINT JOSEPH, MO with 2 branch locations and about $77.24 million in total assets. Opened 102 years ago in 1922, POSTAL & COMMUNITY CREDIT UNION has about 10,874 members and employs 14 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
Name: | POSTAL & COMMUNITY CREDIT UNION |
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Address: (Main Office) | 3921 Oakland Ave SAINT JOSEPH, MO 64506 |
Phone: | (816) 279-5656 |
Fax: | (816) 279-5660 |
Website: | https://www.yourpccu.org |
Branches: | 2 branch locations |
Members: | 10,874 |
Credit Union Type: | Federally Insured State Chartered Credit Union |
Charter Number: | 64145 |
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Membership Type: | State chartered natural person |
Corporate Credit Union: | No |
Year Opened: | 1922 |
Last Audited: | Dec 01, 2023 |
FHLB Member: | No |
Low Income Designation: | No |
Assets: | $77,240,800 |
CEO/Manager: | James Spafford |
Chairperson: | Joe Mistek |
ASSETS: | $ Amount |
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Cash & Equivalents | 1,865,487 |
TOTAL INVESTMENTS | 0 |
Loans Held for Sale | 0 |
Real Estate Loans | 8,934,452 |
Unsecured Loans | 1,645,935 |
Other Loans | 46,212,474 |
TOTAL LOANS | 56,792,861 |
(Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -201,127 |
Land And Building | 622,956 |
Other Fixed Assets | 84,304 |
NCUSIF Deposit | 687,045 |
All Other Assets | 0 |
TOTAL ASSETS | 77,240,800 |
LIABILITIES & CAPITAL: | |
Dividends Payable | 39,154 |
Notes & Interest Payable | 0 |
Accounts Payable & Other Liabilities | 111,624 |
Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
Share Drafts | 9,873,108 |
Regular shares | 34,279,330 |
All Other Shares & Deposits | 25,971,283 |
TOTAL SHARES & DEPOSITS | 70,123,721 |
TOTAL LIABILITIES | 70,274,499 |
Regular Reserve | 0 |
Other Reserves | 0 |
Undivided Earnings | 6,966,301 |
TOTAL EQUITY | 6,966,301 |
TOTAL LIABILITIES, SHARES, & EQUITY | 77,240,800 |
INCOME & EXPENSE | |
Loan Income | 2,531,522 |
Investment Income | 577,480 |
Other Income | 312,509 |
Total Employee Compensation & Benefits | 795,235 |
NCUSIF Premiums Expense | 0 |
Total Other Operating Expenses | 1,337,048 |
Non-operating Income & (Expense) | 12,930 |
NCUSIF Stabilization Income | N/A |
Provision for Loan/Lease Losses or Total Credit Loss Expense | 152,154 |
Cost of Funds | 713,145 |
NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
Net Income (Loss) | 707,669 |
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