Sep, 30, 2025 — UNIFY FINANCIAL FEDERAL CREDIT UNION is a federal credit union headquartered in Manhattan Beach, CA with 77 branch locations and about $3.43 billion in total assets. Opened 63 years ago in 1963, UNIFY FINANCIAL FEDERAL CREDIT UNION has about 241,455 members and employs 448 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | UNIFY FINANCIAL FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | PO Box 10018 Manhattan Beach, CA 90267 |
| Phone: | (913) 905-7000 |
| Fax: | (913) 905-7070 |
| Website: | https://www.unifyfcu.com |
| Branches: | 77 branch locations |
| Members: | 241,455 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 15732 |
|---|---|
| Membership Type: | Multiple common bond - Primarily transportation equipment |
| Corporate Credit Union: | No |
| Year Opened: | 1963 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $3,427,820,010 |
| CEO/Manager: | Lisa Ginter |
| Chairperson: | David Shepard |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 428,123,588 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 1,669,314,729 |
| Unsecured Loans | 201,825,732 |
| Other Loans | 679,204,289 |
| TOTAL LOANS | 2,550,344,750 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -70,569,227 |
| Land And Building | 2,931,106 |
| Other Fixed Assets | 9,998,649 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 28,590,368 |
| All Other Assets | 14,156,438 |
| TOTAL ASSETS | 3,427,820,010 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 100,000,000 |
| Accounts Payable & Other Liabilities | 45,737,532 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 689,474,580 |
| Regular shares | 867,178,121 |
| All Other Shares & Deposits | 1,446,686,346 |
| TOTAL SHARES & DEPOSITS | 3,003,339,048 |
| TOTAL LIABILITIES | 3,149,531,192 |
| Regular Reserve | 0 |
| Other Reserves | -227,870 |
| Undivided Earnings | 278,516,688 |
| TOTAL EQUITY | 278,288,818 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 3,427,820,010 |
| INCOME & EXPENSE | |
| Loan Income | 107,208,164 |
| Investment Income | 17,021,624 |
| Other Income | 8,681,266 |
| Total Employee Compensation & Benefits | 53,638,060 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 35,202,995 |
| Non-operating Income & (Expense) | 7,362,119 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | -5,292,994 |
| Cost of Funds | 38,023,542 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 33,162,332 |
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