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O'NEAL CREDIT UNION

Dec, 31, 2023 — O'NEAL CREDIT UNION is a federally insured state chartered credit union headquartered in BIRMINGHAM, AL with 1 branch location and about $2.33 million in total assets. Opened 69 years ago in 1955, O'NEAL CREDIT UNION has about 451 members offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:O'NEAL CREDIT UNION
Address:
(Main Office)
P O BOX 2623
BIRMINGHAM, AL 35202
Phone:(205) 599-8010
Fax:(205) 599-8527
Website:n/a
Branches:1 branch locations
Members:451
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:64593
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1955
Last Audited:Jun 01, 2021
FHLB Member:No
Low Income Designation:No
Assets:$2,327,814
CEO/Manager:Debra York
Chairperson:Richard Phillips

Call Report

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 235,472
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 0
 Unsecured Loans 227,843
 Other Loans 1,404,081
 TOTAL LOANS 1,631,924
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -6,052
 Land And Building 0
 Other Fixed Assets 0
 NCUSIF Deposit 18,532
 All Other Assets 0
  TOTAL ASSETS 2,327,814
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 0
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 0
 Regular shares 1,704,815
 All Other Shares & Deposits 0
  TOTAL SHARES & DEPOSITS 1,704,815
  TOTAL LIABILITIES 1,704,815
 Regular Reserve 0
 Other Reserves 163,974
 Undivided Earnings 459,025
  TOTAL EQUITY 622,999
  TOTAL LIABILITIES, SHARES, & EQUITY 2,327,814
INCOME & EXPENSE  
 Loan Income 59,256
 Investment Income 6,226
 Other Income 1,616
 Total Employee Compensation & Benefits 66,675
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 18,728
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 0
 Cost of Funds 2,131
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -20,074
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