Sep, 30, 2025 — COMBINED FEDERAL CREDIT UNION is a federal credit union headquartered in HOT SPRINGS, AR with 1 branch location and about $9.06 million in total assets. Opened 59 years ago in 1967, COMBINED FEDERAL CREDIT UNION has about 1,776 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | COMBINED FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 203 NASH ST HOT SPRINGS, AR 71913 |
| Phone: | (501) 623-7004 |
| Fax: | (501) 624-7068 |
| Website: | https://www.combinedfcu.org |
| Branches: | 1 branch locations |
| Members: | 1,776 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 18474 |
|---|---|
| Membership Type: | Multiple common bond - Primarily transportation |
| Corporate Credit Union: | No |
| Year Opened: | 1967 |
| Last Audited: | Jul 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $9,062,118 |
| CEO/Manager: | Sharon Hearnsberger |
| Chairperson: | NANCY MEEKER |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,035,716 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 1,170,638 |
| Unsecured Loans | 517,066 |
| Other Loans | 5,896,446 |
| TOTAL LOANS | 7,584,150 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -73,986 |
| Land And Building | 306,657 |
| Other Fixed Assets | 9,885 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 82,162 |
| All Other Assets | 35,138 |
| TOTAL ASSETS | 9,062,118 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 39,946 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 753,490 |
| Regular shares | 4,869,729 |
| All Other Shares & Deposits | 2,278,284 |
| TOTAL SHARES & DEPOSITS | 7,901,503 |
| TOTAL LIABILITIES | 7,941,449 |
| Regular Reserve | 0 |
| Other Reserves | 38,507 |
| Undivided Earnings | 1,082,162 |
| TOTAL EQUITY | 1,120,669 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 9,062,118 |
| INCOME & EXPENSE | |
| Loan Income | 470,037 |
| Investment Income | 9,216 |
| Other Income | 99,237 |
| Total Employee Compensation & Benefits | 170,883 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 236,711 |
| Non-operating Income & (Expense) | -1,000 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 23,228 |
| Cost of Funds | 97,963 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 55,944 |
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