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EDWARDS FEDERAL CREDIT UNION

Dec, 31, 2020 — EDWARDS FEDERAL CREDIT UNION is a federal credit union headquartered in EDWARDS, CA with 2 branch locations and about $231.28 million in total assets. Opened 59 years ago in 1962, EDWARDS FEDERAL CREDIT UNION has about 11,561 members and employs 40 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: 322270770
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://edwardsfcu.org/
Branches:2 branch locations
Members:11,561
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, 2020
FHLB Member:Yes
Low Income Designation:No
Assets:$231,277,064
CEO/Manager:Roy E MacKinnon
Chairperson:Ron C Guyadeen

Call Report

  • 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
  • Insurance/Investment Sales
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 25,148,833
TOTAL INVESTMENTS 90,672,971
Loans Held for Sale 0
 
 Real Estate Loans 41,066,797
 Unsecured Loans 5,813,810
 Other Loans 42,366,550
 TOTAL LOANS 97,864,538
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -378,149
 Land And Building 1,411,008
 Other Fixed Assets 435,851
 NCUSIF Deposit 1,927,197
 All Other Assets 14,194,815
  TOTAL ASSETS 231,277,064
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 1,477,291
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 52,365,687
 Regular shares 128,800,319
 All Other Shares & Deposits 32,523,276
  TOTAL SHARES & DEPOSITS 213,689,282
  TOTAL LIABILITIES 215,166,573
 Regular Reserve 3,044,892
 Other Reserves 0
 Undivided Earnings 13,065,599
  TOTAL EQUITY 16,110,491
  TOTAL LIABILITIES, SHARES, & EQUITY 231,277,064
INCOME & EXPENSE  
 Loan Income 4,023,195
 Investment Income 1,706,474
 Other Income 2,279,514
 Total Employee Compensation & Benefits 3,488,261
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 4,105,680
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 190,000
 Cost of Funds 423,521
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -198,279
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