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UNIFY FINANCIAL FEDERAL CREDIT UNION

Dec, 31, 2023 — UNIFY FINANCIAL FEDERAL CREDIT UNION is a federal credit union headquartered in ALLEN, TX with 46 branch locations and about $3.81 billion in total assets. Opened 61 years ago in 1963, UNIFY FINANCIAL FEDERAL CREDIT UNION has about 260,479 members and employs 528 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: 322079719
Name:UNIFY FINANCIAL FEDERAL CREDIT UNION
Address:
(Main Office)
740 N Watters Rd
ALLEN, TX 75013
Phone:(877) 254-9328
Fax:
Website:https://www.unifyfcu.com
Branches:46 branch locations
Members:260,479
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, 2022
FHLB Member:Yes
Low Income Designation:No
Assets:$3,810,682,709
CEO/Manager:Gordon Howe
Chairperson:Tony Tam

Call Report

  • Payday Alternative Loans (PAL Loans)
  • First Time Homebuyer Program
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 162,269,930
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 1,916,803,057
 Unsecured Loans 337,932,428
 Other Loans 1,041,808,883
 TOTAL LOANS 3,296,544,368
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -140,228,979
 Land And Building 3,114,956
 Other Fixed Assets 15,662,880
 NCUSIF Deposit 30,400,054
 All Other Assets 5,413,773
  TOTAL ASSETS 3,810,682,709
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 310,000,000
 Accounts Payable & Other Liabilities 49,735,748
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 658,279,790
 Regular shares 901,435,712
 All Other Shares & Deposits 1,669,700,704
  TOTAL SHARES & DEPOSITS 3,229,416,205
  TOTAL LIABILITIES 3,590,200,146
 Regular Reserve 0
 Other Reserves -13,695,199
 Undivided Earnings 234,177,762
  TOTAL EQUITY 220,482,563
  TOTAL LIABILITIES, SHARES, & EQUITY 3,810,682,709
INCOME & EXPENSE  
 Loan Income 174,385,295
 Investment Income 14,043,881
 Other Income 12,617,359
 Total Employee Compensation & Benefits 66,401,496
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 54,339,177
 Non-operating Income & (Expense) 7,686,476
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 65,023,483
 Cost of Funds 62,357,893
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -20,653,369
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