Sep, 30, 2025 — EL PASO AREA TEACHERS FEDERAL CREDIT UNION is a federal credit union headquartered in EL PASO, TX with 11 branch locations and about $1.02 billion in total assets. Opened 90 years ago in 1936, EL PASO AREA TEACHERS FEDERAL CREDIT UNION has about 77,493 members and employs 241 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | EL PASO AREA TEACHERS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 12020 Rojas Dr EL PASO, TX 79936 |
| Phone: | (915) 843-8328 |
| Fax: | (915) 859-3564 |
| Website: | https://www.raiz.us |
| Branches: | 11 branch locations |
| Members: | 77,493 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 1409 |
|---|---|
| Membership Type: | Multiple common bond - Primarily educational |
| Corporate Credit Union: | No |
| Year Opened: | 1936 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $1,017,491,638 |
| CEO/Manager: | Max Villaronga |
| Chairperson: | Lillian Crouch |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 78,523,601 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 229,847,519 |
| Unsecured Loans | 42,022,533 |
| Other Loans | 513,491,435 |
| TOTAL LOANS | 848,010,388 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -17,108,395 |
| Land And Building | 27,759,442 |
| Other Fixed Assets | 12,635,509 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 7,910,996 |
| All Other Assets | 979,241 |
| TOTAL ASSETS | 1,017,491,638 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 162,013 |
| Notes & Interest Payable | 30,000,000 |
| Accounts Payable & Other Liabilities | 17,041,921 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 208,839,715 |
| Regular shares | 287,855,654 |
| All Other Shares & Deposits | 374,473,070 |
| TOTAL SHARES & DEPOSITS | 871,168,438 |
| TOTAL LIABILITIES | 918,372,372 |
| Regular Reserve | 0 |
| Other Reserves | -52,066 |
| Undivided Earnings | 99,171,332 |
| TOTAL EQUITY | 99,119,266 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 1,017,491,638 |
| INCOME & EXPENSE | |
| Loan Income | 39,464,206 |
| Investment Income | 2,977,266 |
| Other Income | 5,202,191 |
| Total Employee Compensation & Benefits | 16,283,707 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 22,548,185 |
| Non-operating Income & (Expense) | 10,880,859 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 10,531,172 |
| Cost of Funds | 14,187,935 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -5,026,477 |
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