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UNIVERSAL COOP FEDERAL CREDIT UNION

Jun, 30, 2023 — UNIVERSAL COOP FEDERAL CREDIT UNION is a federal credit union headquartered in RIO GRANDE, PR with 2 branch locations and about $30.39 million in total assets. Opened 67 years ago in 1957, UNIVERSAL COOP FEDERAL CREDIT UNION has about 3,518 members and employs 12 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)
14 Calle Pimentel
RIO GRANDE, PR 00745
Phone:(787) 887-2195
Fax:(787) 887-5622
Website:https://www.universalcoopfcu.com
Branches:2 branch locations
Members:3,518
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, 2021
FHLB Member:No
Low Income Designation:No
Assets:$30,386,171
CEO/Manager:Luis J Guzman
Chairperson:Juan A Perez-Mercado

Call Report

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 5,491,899
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 4,160,527
 Unsecured Loans 4,541,169
 Other Loans 993,772
 TOTAL LOANS 9,695,468
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -214,501
 Land And Building 98,614
 Other Fixed Assets 139,264
 NCUSIF Deposit 268,146
 All Other Assets 21,365
  TOTAL ASSETS 30,386,171
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 104,992
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 845,771
 Regular shares 24,983,922
 All Other Shares & Deposits 1,653,384
  TOTAL SHARES & DEPOSITS 27,483,077
  TOTAL LIABILITIES 27,588,069
 Regular Reserve 0
 Other Reserves 1,576,066
 Undivided Earnings 1,222,036
  TOTAL EQUITY 2,798,102
  TOTAL LIABILITIES, SHARES, & EQUITY 30,386,171
INCOME & EXPENSE  
 Loan Income 509,186
 Investment Income 153,802
 Other Income 123,143
 Total Employee Compensation & Benefits 268,206
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 440,469
 Non-operating Income & (Expense) 11,942
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense -5,105
 Cost of Funds 93,785
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 718
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