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VALDOSTA TEACHERS FEDERAL CREDIT UNION

Dec, 31, 2020 — VALDOSTA TEACHERS FEDERAL CREDIT UNION is a federal credit union headquartered in Valdosta, GA with 1 branch location and about $10.35 million in total assets. Opened 63 years ago in 1958, VALDOSTA TEACHERS FEDERAL CREDIT UNION has about 2,255 members and employs 7 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:VALDOSTA TEACHERS FEDERAL CREDIT UNION
Address:
(Main Office)
102 E. Force Street
Valdosta, GA 31601-3904
Phone:(229) 247-9930
Fax:(229) 247-1949
Website:http://www.valdostateachersfcu.org
Branches:1 branch locations
Members:2,255
Credit Union Type:Federal Credit Union
Charter Number:12290
Membership Type:Multiple common bond - Primarily educational
Corporate Credit Union:No
Year Opened:1958
Last Audited:Sep 01, 2020
FHLB Member:No
Low Income Designation:No
Assets:$10,350,963
CEO/Manager:Katy Houston
Chairperson:Willie C Ferrebee

Call Report

  • Overdraft Lines of Credit
  • Overdraft Protection
  • Pay Day Loans
  • Real Estate Loans
  • Risk Based Loans
  • Payday Alternative Loans (PAL Loans)
  • ATM/Debit Card Program
  • Check Cashing
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 755,583
TOTAL INVESTMENTS 4,451,860
Loans Held for Sale 0
 
 Real Estate Loans 124,432
 Unsecured Loans 1,017,847
 Other Loans 2,905,545
 TOTAL LOANS 4,239,925
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -57,932
 Land And Building 312,024
 Other Fixed Assets 46,767
 NCUSIF Deposit 71,182
 All Other Assets 531,554
  TOTAL ASSETS 10,350,963
LIABILITIES & CAPITAL:  
 Dividends Payable 1,235
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 82,090
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 1,480,388
 Regular shares 4,134,967
 All Other Shares & Deposits 3,227,330
  TOTAL SHARES & DEPOSITS 8,842,685
  TOTAL LIABILITIES 8,926,010
 Regular Reserve 279,011
 Other Reserves 0
 Undivided Earnings 1,145,942
  TOTAL EQUITY 1,424,953
  TOTAL LIABILITIES, SHARES, & EQUITY 10,350,963
INCOME & EXPENSE  
 Loan Income 281,687
 Investment Income 55,486
 Other Income 147,995
 Total Employee Compensation & Benefits 294,011
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 247,744
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 9,815
 Cost of Funds 23,235
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -89,637
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