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UNIVERSAL COOP FEDERAL CREDIT UNION

Mar, 31, 2021 — UNIVERSAL COOP FEDERAL CREDIT UNION is a federal credit union headquartered in Rio Grande, PR with 2 branch locations and about $28.47 million in total assets. Opened 64 years ago in 1957, UNIVERSAL COOP FEDERAL CREDIT UNION has about 3,202 members and employs 16 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:UNIVERSAL COOP FEDERAL CREDIT UNION
Address:
(Main Office)
PO Box 937
Rio Grande, PR 00745
Phone:(787) 887-2195
Fax:(787) 887-5622
Website:http://www.universalcoopfcu.com
Branches:2 branch locations
Members:3,202
Credit Union Type:Federal Credit Union
Charter Number:11477
Membership Type:Multiple common bond - Primarily other manufacturing
Corporate Credit Union:No
Year Opened:1957
Last Audited:Mar 01, 2019
FHLB Member:No
Low Income Designation:No
Assets:$28,465,558
CEO/Manager:Luis J Guzman
Chairperson:Juan A Perez-Mercado

Call Report

  • Real Estate Loans
  • Payday Alternative Loans (PAL Loans)
  • ATM/Debit Card Program
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 6,669,071
TOTAL INVESTMENTS 11,326,165
Loans Held for Sale 0
 
 Real Estate Loans 3,790,831
 Unsecured Loans 4,968,494
 Other Loans 1,188,507
 TOTAL LOANS 9,947,832
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -238,394
 Land And Building 142,177
 Other Fixed Assets 141,457
 NCUSIF Deposit 217,247
 All Other Assets 260,003
  TOTAL ASSETS 28,465,558
LIABILITIES & CAPITAL:  
 Dividends Payable 1,276
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 134,043
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 942,673
 Regular shares 11,415,335
 All Other Shares & Deposits 13,283,619
  TOTAL SHARES & DEPOSITS 25,641,627
  TOTAL LIABILITIES 25,776,946
 Regular Reserve 605,883
 Other Reserves -173,540
 Undivided Earnings 2,256,269
  TOTAL EQUITY 2,688,612
  TOTAL LIABILITIES, SHARES, & EQUITY 28,465,558
INCOME & EXPENSE  
 Loan Income 182,762
 Investment Income 42,621
 Other Income 7,352
 Total Employee Compensation & Benefits 92,233
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 118,135
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 0
 Cost of Funds 29,152
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 22,625
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