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EAST ALABAMA COMMUNITY FEDERAL CREDIT UNION

Dec, 31, 2020 — EAST ALABAMA COMMUNITY FEDERAL CREDIT UNION is a federal credit union headquartered in OPELIKA, AL with 1 branch location and about $18.28 million in total assets. Opened 63 years ago in 1958, EAST ALABAMA COMMUNITY FEDERAL CREDIT UNION has about 3,642 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:EAST ALABAMA COMMUNITY FEDERAL CREDIT UNION
Address:
(Main Office)
P.O. BOX 2588
OPELIKA, AL 36803
Phone:(334) 364-2850
Fax:(334) 364-2855
Website:http://www.eamcfcu.com
Branches:1 branch locations
Members:3,642
Credit Union Type:Federal Credit Union
Charter Number:12383
Membership Type:Community credit unions, urban or rural, other than those designated 'low income'
Corporate Credit Union:No
Year Opened:1958
Last Audited:Sep 01, 2020
FHLB Member:No
Low Income Designation:No
Assets:$18,277,133
CEO/Manager:Kristin Sturges
Chairperson:JEANNIE EDDINS

Call Report

  • Overdraft Protection
  • Risk Based Loans
  • Share Secured Credit Cards
  • ATM/Debit Card Program
  • Check Cashing
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 3,193,368
TOTAL INVESTMENTS 8,874,755
Loans Held for Sale 0
 
 Real Estate Loans 0
 Unsecured Loans 1,354,529
 Other Loans 4,291,776
 TOTAL LOANS 5,646,305
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -34,535
 Land And Building 403,319
 Other Fixed Assets 5
 NCUSIF Deposit 119,606
 All Other Assets 74,310
  TOTAL ASSETS 18,277,133
LIABILITIES & CAPITAL:  
 Dividends Payable 167
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 139,475
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 4,021,461
 Regular shares 11,097,506
 All Other Shares & Deposits 383,182
  TOTAL SHARES & DEPOSITS 15,502,149
  TOTAL LIABILITIES 15,641,791
 Regular Reserve 195,221
 Other Reserves 0
 Undivided Earnings 2,440,121
  TOTAL EQUITY 2,635,342
  TOTAL LIABILITIES, SHARES, & EQUITY 18,277,133
INCOME & EXPENSE  
 Loan Income 315,809
 Investment Income 141,152
 Other Income 442,091
 Total Employee Compensation & Benefits 366,772
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 483,718
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 10,105
 Cost of Funds 17,987
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 20,470
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