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SPELC FEDERAL CREDIT UNION

Dec, 31, 2020 — SPELC FEDERAL CREDIT UNION is a federal credit union headquartered in LAKE CHARLES, LA with 1 branch location and about $14.81 million in total assets. Opened 65 years ago in 1956, SPELC FEDERAL CREDIT UNION has about 1,832 members and employs 3 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: 265274765
Name:SPELC FEDERAL CREDIT UNION
Address:
(Main Office)
317 W 18TH ST
LAKE CHARLES, LA 70601-8458
Phone:(337) 436-2257
Fax:(337) 433-0979
Website:http://www.spelcfcu.com
Branches:1 branch locations
Members:1,832
Credit Union Type:Federal Credit Union
Charter Number:11203
Membership Type:Multiple common bond - Primarily transportation
Corporate Credit Union:No
Year Opened:1956
Last Audited:Sep 01, 2020
FHLB Member:No
Low Income Designation:No
Assets:$14,808,120
CEO/Manager:LAURA MELANCON
Chairperson:BETH FREY

Call Report

  • Overdraft Lines of Credit
  • Real Estate Loans
  • Risk Based Loans
  • Payday Alternative Loans (PAL Loans)
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 4,560,004
TOTAL INVESTMENTS 3,740,263
Loans Held for Sale 0
 
 Real Estate Loans 450,823
 Unsecured Loans 631,385
 Other Loans 5,145,630
 TOTAL LOANS 6,231,401
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -12,449
 Land And Building 145,194
 Other Fixed Assets 16,752
 NCUSIF Deposit 96,125
 All Other Assets 30,830
  TOTAL ASSETS 14,808,120
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 17,670
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 2,541,159
 Regular shares 10,209,251
 All Other Shares & Deposits 1,086,213
  TOTAL SHARES & DEPOSITS 13,836,623
  TOTAL LIABILITIES 13,854,293
 Regular Reserve 333,481
 Other Reserves 0
 Undivided Earnings 620,346
  TOTAL EQUITY 953,827
  TOTAL LIABILITIES, SHARES, & EQUITY 14,808,120
INCOME & EXPENSE  
 Loan Income 279,197
 Investment Income 28,843
 Other Income 96,165
 Total Employee Compensation & Benefits 169,041
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 197,805
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 0
 Cost of Funds 23,227
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 14,132
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