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SPELC FEDERAL CREDIT UNION

Mar, 31, 2021 — SPELC FEDERAL CREDIT UNION is a federal credit union headquartered in LAKE CHARLES, LA with 1 branch location and about $15.43 million in total assets. Opened 65 years ago in 1956, SPELC FEDERAL CREDIT UNION has about 1,804 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:1,804
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:$15,433,609
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 4,333,311
TOTAL INVESTMENTS 4,236,263
Loans Held for Sale 0
 
 Real Estate Loans 418,767
 Unsecured Loans 571,119
 Other Loans 5,608,989
 TOTAL LOANS 6,601,594
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -18,122
 Land And Building 142,601
 Other Fixed Assets 14,056
 NCUSIF Deposit 96,125
 All Other Assets 27,781
  TOTAL ASSETS 15,433,609
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 11,625
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 2,405,867
 Regular shares 11,026,197
 All Other Shares & Deposits 1,046,690
  TOTAL SHARES & DEPOSITS 14,478,754
  TOTAL LIABILITIES 14,490,379
 Regular Reserve 333,481
 Other Reserves 0
 Undivided Earnings 609,749
  TOTAL EQUITY 943,230
  TOTAL LIABILITIES, SHARES, & EQUITY 15,433,609
INCOME & EXPENSE  
 Loan Income 61,230
 Investment Income 2,662
 Other Income 12,171
 Total Employee Compensation & Benefits 36,673
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 47,667
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 1,500
 Cost of Funds 2,486
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -10,597
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