Sep, 30, 2025 — GRANCO FEDERAL CREDIT UNION is a federal credit union headquartered in EPHRATA, WA with 2 branch locations and about $93.93 million in total assets. Opened 70 years ago in 1956, GRANCO FEDERAL CREDIT UNION has about 5,063 members and employs 19 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | GRANCO FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 217 Alder St SW EPHRATA, WA 98823 |
| Phone: | (509) 754-5233 |
| Fax: | (509) 754-5504 |
| Website: | https://www.granco.org |
| Branches: | 2 branch locations |
| Members: | 5,063 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 10904 |
|---|---|
| Membership Type: | Multiple common bond - Primarily communications and utilities |
| Corporate Credit Union: | No |
| Year Opened: | 1956 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $93,927,562 |
| CEO/Manager: | Brandi Johnson |
| Chairperson: | David Ponozzo |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 12,714,973 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 22,705,283 |
| Unsecured Loans | 3,303,179 |
| Other Loans | 26,265,590 |
| TOTAL LOANS | 52,274,053 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -456,398 |
| Land And Building | 3,976,282 |
| Other Fixed Assets | 208,258 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 800,628 |
| All Other Assets | 17,875 |
| TOTAL ASSETS | 93,927,562 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 279,683 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 24,614,478 |
| Regular shares | 50,132,589 |
| All Other Shares & Deposits | 8,264,673 |
| TOTAL SHARES & DEPOSITS | 83,011,740 |
| TOTAL LIABILITIES | 83,291,423 |
| Regular Reserve | 0 |
| Other Reserves | -682,758 |
| Undivided Earnings | 11,318,897 |
| TOTAL EQUITY | 10,636,139 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 93,927,562 |
| INCOME & EXPENSE | |
| Loan Income | 2,899,996 |
| Investment Income | 819,934 |
| Other Income | 446,033 |
| Total Employee Compensation & Benefits | 1,303,472 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,605,380 |
| Non-operating Income & (Expense) | 11,752 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 71,934 |
| Cost of Funds | 241,942 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 954,987 |
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