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MIDSOUTH COMMUNITY FEDERAL CREDIT UNION

Dec, 31, 2020 — MIDSOUTH COMMUNITY FEDERAL CREDIT UNION is a federal credit union headquartered in Macon, GA with 9 branch locations and about $339.25 million in total assets. Opened 85 years ago in 1936, MIDSOUTH COMMUNITY FEDERAL CREDIT UNION has about 40,549 members and employs 94 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: 261171228
Name:MIDSOUTH COMMUNITY FEDERAL CREDIT UNION
Address:
(Main Office)
4810 Mercer University Dr
Macon, GA 31210-5675
Phone:(478) 471-9946
Fax:(478) 757-7989
Website:http://www.midsouthfcu.org
Branches:9 branch locations
Members:40,549
Credit Union Type:Federal Credit Union
Charter Number:1410
Membership Type:Community credit unions, urban or rural, other than those designated 'low income'
Corporate Credit Union:No
Year Opened:1936
Last Audited:Sep 01, 2020
FHLB Member:Yes
Low Income Designation:No
Assets:$339,254,356
CEO/Manager:Roy Bibb
Chairperson:Harry Trawick

Call Report

  • Commercial Loans
  • Debt Cancellation/Suspension
  • Indirect Consumer Loans
  • Indirect Mortgage Loans
  • Interest Only or Payment Option 1st Mortgage Loans
  • Micro Consumer Loans
  • Overdraft Protection
  • Participation Loans
  • Real Estate Loans
  • Risk Based Loans
  • Share Secured Credit Cards
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Check Cashing
  • Health Savings Accounts
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 22,614,501
TOTAL INVESTMENTS 60,052,044
Loans Held for Sale 0
 
 Real Estate Loans 31,013,818
 Unsecured Loans 16,347,660
 Other Loans 182,036,392
 TOTAL LOANS 229,397,870
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -3,502,435
 Land And Building 7,585,698
 Other Fixed Assets 774,757
 NCUSIF Deposit 2,689,565
 All Other Assets 19,642,356
  TOTAL ASSETS 339,254,356
LIABILITIES & CAPITAL:  
 Dividends Payable 274,647
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 5,672,694
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 67,785,866
 Regular shares 102,827,280
 All Other Shares & Deposits 120,208,810
  TOTAL SHARES & DEPOSITS 290,821,956
  TOTAL LIABILITIES 296,769,297
 Regular Reserve 2,778,206
 Other Reserves 973,839
 Undivided Earnings 38,733,014
  TOTAL EQUITY 42,485,059
  TOTAL LIABILITIES, SHARES, & EQUITY 339,254,356
INCOME & EXPENSE  
 Loan Income 10,280,545
 Investment Income 926,947
 Other Income 7,007,835
 Total Employee Compensation & Benefits 6,414,943
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 5,119,606
 Non-operating Income & (Expense) 129,088
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 2,506,863
 Cost of Funds 1,612,539
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 2,690,464
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