Sep, 30, 2025 — EDWARDS FEDERAL CREDIT UNION is a federal credit union headquartered in EDWARDS, CA with 2 branch locations and about $268.49 million in total assets. Opened 64 years ago in 1962, EDWARDS FEDERAL CREDIT UNION has about 12,902 members and employs 38 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | EDWARDS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 10 S Muroc Dr EDWARDS, CA 93524-8002 |
| Phone: | (661) 952-5945 |
| Fax: | (661) 258-7244 |
| Website: | https://www.edwardsfcu.org |
| Branches: | 2 branch locations |
| Members: | 12,902 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 14830 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1962 |
| Last Audited: | Jun 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $268,485,210 |
| CEO/Manager: | Carter Pope |
| Chairperson: | Martin C O'Brien |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 13,437,925 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 91,767,750 |
| Unsecured Loans | 18,848,629 |
| Other Loans | 37,211,450 |
| TOTAL LOANS | 147,827,829 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -939,311 |
| Land And Building | 9,245,749 |
| Other Fixed Assets | 656,308 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 2,174,055 |
| All Other Assets | 0 |
| TOTAL ASSETS | 268,485,210 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 2,619,146 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 5,000,000 |
| Share Drafts | 65,603,212 |
| Regular shares | 125,691,084 |
| All Other Shares & Deposits | 54,386,962 |
| TOTAL SHARES & DEPOSITS | 245,681,256 |
| TOTAL LIABILITIES | 253,300,402 |
| Regular Reserve | 0 |
| Other Reserves | -3,993,370 |
| Undivided Earnings | 19,178,178 |
| TOTAL EQUITY | 15,184,808 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 268,485,210 |
| INCOME & EXPENSE | |
| Loan Income | 6,216,463 |
| Investment Income | 2,263,784 |
| Other Income | 987,368 |
| Total Employee Compensation & Benefits | 3,468,879 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 4,830,656 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 777,828 |
| Cost of Funds | 1,733,132 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -381,409 |
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