Sep, 30, 2025 — FRIO COUNTY FEDERAL CREDIT UNION is a federal credit union headquartered in PEARSALL, TX with 2 branch locations and about $5.36 million in total assets. Opened 56 years ago in 1970, FRIO COUNTY FEDERAL CREDIT UNION has about 1,664 members and employs 3 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FRIO COUNTY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 114 S Oak St PEARSALL, TX 78061-3220 |
| Phone: | (830) 334-2368 |
| Fax: | (830) 334-9142 |
| Website: | n/a |
| Branches: | 2 branch locations |
| Members: | 1,664 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 20267 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1970 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $5,363,851 |
| CEO/Manager: | Belinda C Gonzales |
| Chairperson: | Damian V Esqueda |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 462,328 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 158,221 |
| Other Loans | 3,873,090 |
| TOTAL LOANS | 4,380,672 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -61,623 |
| Land And Building | 0 |
| Other Fixed Assets | 1,001 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 42,660 |
| All Other Assets | 39,146 |
| TOTAL ASSETS | 5,363,851 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 25,494 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 0 |
| Regular shares | 1,402,326 |
| All Other Shares & Deposits | 1,932,584 |
| TOTAL SHARES & DEPOSITS | 3,334,909 |
| TOTAL LIABILITIES | 3,360,403 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 2,003,448 |
| TOTAL EQUITY | 2,003,448 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 5,363,851 |
| INCOME & EXPENSE | |
| Loan Income | 294,305 |
| Investment Income | 32,295 |
| Other Income | 18,180 |
| Total Employee Compensation & Benefits | 171,474 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 126,271 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 69,780 |
| Cost of Funds | 35,579 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -54,331 |
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