Sep, 30, 2025 — SUWANNEE RIVER FEDERAL CREDIT UNION is a federal credit union headquartered in LIVE OAK, FL with 2 branch locations and about $26.73 million in total assets. Opened 90 years ago in 1936, SUWANNEE RIVER FEDERAL CREDIT UNION has about 2,365 members and employs 9 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | SUWANNEE RIVER FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 203 Pinewood Way SW LIVE OAK, FL 32064 |
| Phone: | (386) 362-2225 |
| Fax: | (386) 362-1180 |
| Website: | https://www.suwanneeriverfcu.com |
| Branches: | 2 branch locations |
| Members: | 2,365 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 1086 |
|---|---|
| Membership Type: | Multiple common bond - Primarily educational |
| Corporate Credit Union: | No |
| Year Opened: | 1936 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $26,732,416 |
| CEO/Manager: | Amy Cundiff |
| Chairperson: | Windal Boise |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,086,859 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 3,231,295 |
| Unsecured Loans | 1,644,028 |
| Other Loans | 9,343,594 |
| TOTAL LOANS | 14,218,917 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -97,903 |
| Land And Building | 121,893 |
| Other Fixed Assets | 26,861 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 238,678 |
| All Other Assets | 0 |
| TOTAL ASSETS | 26,732,416 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 266 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 120,173 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 7,127,081 |
| Regular shares | 15,366,672 |
| All Other Shares & Deposits | 1,168,104 |
| TOTAL SHARES & DEPOSITS | 23,661,856 |
| TOTAL LIABILITIES | 23,782,295 |
| Regular Reserve | 0 |
| Other Reserves | 224,322 |
| Undivided Earnings | 2,725,799 |
| TOTAL EQUITY | 2,950,121 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 26,732,416 |
| INCOME & EXPENSE | |
| Loan Income | 621,752 |
| Investment Income | 237,130 |
| Other Income | 90,635 |
| Total Employee Compensation & Benefits | 357,531 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 344,073 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | -3,733 |
| Cost of Funds | 8,451 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 260,188 |
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