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National Credit Union Service Organization

JSC FEDERAL CREDIT UNION

Dec, 31, 2020 — JSC FEDERAL CREDIT UNION is a federal credit union headquartered in HOUSTON, TX with 19 branch locations and about $2.57 billion in total assets. Opened 60 years ago in 1961, JSC FEDERAL CREDIT UNION has about 134,581 members and employs 319 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:JSC FEDERAL CREDIT UNION
Address:
(Main Office)
PO BOX 58346
HOUSTON, TX 77258
Phone:(281) 488-7070
Fax:(281) 283-0722
Website:http://www.jscfcu.org
Branches:19 branch locations
Members:134,581
Credit Union Type:Federal Credit Union
Charter Number:14762
Membership Type:Multiple common bond - other
Corporate Credit Union:No
Year Opened:1961
Last Audited:Apr 01, 2020
FHLB Member:Yes
Low Income Designation:No
Assets:$2,573,724,423
CEO/Manager:Brandon Michaels
Chairperson:Deborah A Conder

Call Report

  • Credit Builder
  • Indirect Consumer Loans
  • Overdraft Lines of Credit
  • Overdraft Protection
  • Participation Loans
  • Real Estate Loans
  • Risk Based Loans
  • Share Secured Credit Cards
  • ATM/Debit Card Program
  • Check Cashing
  • First Time Homebuyer Program
  • Insurance/Investment Sales
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 214,119,051
TOTAL INVESTMENTS 1,092,682,274
Loans Held for Sale 0
 
 Real Estate Loans 438,467,262
 Unsecured Loans 63,742,151
 Other Loans 682,097,994
 TOTAL LOANS 1,184,307,407
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -6,701,629
 Land And Building 32,105,258
 Other Fixed Assets 3,021,005
 NCUSIF Deposit 20,074,891
 All Other Assets 34,116,166
  TOTAL ASSETS 2,573,724,423
LIABILITIES & CAPITAL:  
 Dividends Payable 1,020,038
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 10,225,806
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 120,274,640
 Regular shares 808,163,775
 All Other Shares & Deposits 1,327,079,465
  TOTAL SHARES & DEPOSITS 2,255,517,880
  TOTAL LIABILITIES 2,266,763,724
 Regular Reserve 9,314,541
 Other Reserves 34,146,019
 Undivided Earnings 263,500,139
  TOTAL EQUITY 306,960,699
  TOTAL LIABILITIES, SHARES, & EQUITY 2,573,724,423
INCOME & EXPENSE  
 Loan Income 44,839,499
 Investment Income 20,978,699
 Other Income 14,094,881
 Total Employee Compensation & Benefits 23,822,338
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 23,022,017
 Non-operating Income & (Expense) 3,004,232
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 6,648,354
 Cost of Funds 13,892,015
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 15,532,587
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