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National Credit Union Service Organization

EL PASO AREA TEACHERS FEDERAL CREDIT UNION

Dec, 31, 2023 — 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 88 years ago in 1936, EL PASO AREA TEACHERS FEDERAL CREDIT UNION has about 73,872 members and employs 244 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 312081034
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:73,872
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, 2022
FHLB Member:Yes
Low Income Designation:No
Assets:$1,017,478,014
CEO/Manager:Max Villaronga
Chairperson:Lillian Crouch

Call Report

  • Credit Builder
  • First Time Homebuyer Program
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 70,914,743
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 198,761,936
 Unsecured Loans 50,416,586
 Other Loans 607,985,574
 TOTAL LOANS 871,467,363
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -17,926,886
 Land And Building 23,158,663
 Other Fixed Assets 12,989,980
 NCUSIF Deposit 7,997,086
 All Other Assets 1,215,210
  TOTAL ASSETS 1,017,478,014
LIABILITIES & CAPITAL:  
 Dividends Payable 254,548
 Notes & Interest Payable 30,000,000
 Accounts Payable & Other Liabilities 15,384,897
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 204,047,903
 Regular shares 300,069,365
 All Other Shares & Deposits 364,542,633
  TOTAL SHARES & DEPOSITS 868,659,902
  TOTAL LIABILITIES 914,299,347
 Regular Reserve 0
 Other Reserves -1,496,469
 Undivided Earnings 104,675,136
  TOTAL EQUITY 103,178,667
  TOTAL LIABILITIES, SHARES, & EQUITY 1,017,478,014
INCOME & EXPENSE  
 Loan Income 48,192,022
 Investment Income 1,450,723
 Other Income 17,855,653
 Total Employee Compensation & Benefits 19,974,182
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 24,492,581
 Non-operating Income & (Expense) 1,412,269
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 7,972,247
 Cost of Funds 13,353,130
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 3,118,527
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