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EMBARK FEDERAL CREDIT UNION

Dec, 31, 2020 — EMBARK FEDERAL CREDIT UNION is a federal credit union headquartered in Great Falls, MT with 2 branch locations and about $121.68 million in total assets. Opened 85 years ago in 1936, EMBARK FEDERAL CREDIT UNION has about 9,911 members and employs 30 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 292977307
Name:EMBARK FEDERAL CREDIT UNION
Address:
(Main Office)
PO Box 2649
Great Falls, MT 59403
Phone:(406) 727-7300
Fax:(406) 727-7323
Website:http://www.embarkcu.com
Branches:2 branch locations
Members:9,911
Credit Union Type:Federal Credit Union
Charter Number:1104
Membership Type:Community credit unions, urban or rural, other than those designated 'low income'
Corporate Credit Union:No
Year Opened:1936
Last Audited:Dec 01, 2019
FHLB Member:Yes
Low Income Designation:No
Assets:$121,676,098
CEO/Manager:Debra Evans
Chairperson:Jason Kunz

Call Report

  • Commercial Loans
  • Credit Builder
  • Overdraft Lines of Credit
  • Overdraft Protection
  • Real Estate Loans
  • Refund Anticipation Loans
  • Risk Based Loans
  • Share Secured Credit Cards
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Check Cashing
  • First Time Homebuyer Program
  • Individual Development Accounts
  • International Remittances

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 16,357,062
TOTAL INVESTMENTS 34,586,846
Loans Held for Sale 0
 
 Real Estate Loans 22,526,423
 Unsecured Loans 5,377,799
 Other Loans 39,674,907
 TOTAL LOANS 67,579,129
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -652,298
 Land And Building 2,012,828
 Other Fixed Assets 171,472
 NCUSIF Deposit 1,020,347
 All Other Assets 600,712
  TOTAL ASSETS 121,676,098
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 9,940
 Accounts Payable & Other Liabilities 756,840
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 22,658,506
 Regular shares 50,486,296
 All Other Shares & Deposits 33,529,766
  TOTAL SHARES & DEPOSITS 106,674,568
  TOTAL LIABILITIES 107,441,348
 Regular Reserve 1,509,300
 Other Reserves 2,728,517
 Undivided Earnings 9,996,933
  TOTAL EQUITY 14,234,750
  TOTAL LIABILITIES, SHARES, & EQUITY 121,676,098
INCOME & EXPENSE  
 Loan Income 3,542,047
 Investment Income 638,008
 Other Income 1,601,278
 Total Employee Compensation & Benefits 2,105,112
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 2,237,586
 Non-operating Income & (Expense) 18,125
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 306,399
 Cost of Funds 426,179
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 724,182
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