Sep, 30, 2025 — FEDTRUST FEDERAL CREDIT UNION is a federal credit union headquartered in MEMPHIS, TN with 4 branch locations and about $53.74 million in total assets. Opened 67 years ago in 1959, FEDTRUST FEDERAL CREDIT UNION has about 2,916 members and employs 13 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FEDTRUST FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 167 N Main St Ste 102 MEMPHIS, TN 38103-1867 |
| Phone: | (901) 526-6778 |
| Fax: | (901) 526-8667 |
| Website: | https://www.fedtrustfcu.com |
| Branches: | 4 branch locations |
| Members: | 2,916 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 13233 |
|---|---|
| Membership Type: | Multiple common bond - Primarily federal, state, local government |
| Corporate Credit Union: | No |
| Year Opened: | 1959 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $53,742,633 |
| CEO/Manager: | Christina U Smith |
| Chairperson: | David E Sirmans |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 3,072,717 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 24,615,385 |
| Unsecured Loans | 3,006,866 |
| Other Loans | 14,544,403 |
| TOTAL LOANS | 42,166,654 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -215,577 |
| Land And Building | 0 |
| Other Fixed Assets | 275,038 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 456,519 |
| All Other Assets | 35,078 |
| TOTAL ASSETS | 53,742,633 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 158,307 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 78,047 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 9,502,165 |
| Regular shares | 19,242,486 |
| All Other Shares & Deposits | 20,908,927 |
| TOTAL SHARES & DEPOSITS | 49,653,578 |
| TOTAL LIABILITIES | 49,889,932 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 3,852,701 |
| TOTAL EQUITY | 3,852,701 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 53,742,633 |
| INCOME & EXPENSE | |
| Loan Income | 1,813,034 |
| Investment Income | 254,949 |
| Other Income | 294,770 |
| Total Employee Compensation & Benefits | 722,194 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 820,121 |
| Non-operating Income & (Expense) | -26,801 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 117,926 |
| Cost of Funds | 587,999 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 120,911 |
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