FIRST RELIANCE FEDERAL CREDIT UNION is no longer an active credit union according to the NCUA. If available, you can view their website at https://www.firstreliancefcu.org for more information.
Sep, 30, 2025 — FIRST RELIANCE FEDERAL CREDIT UNION is a federal credit union headquartered in ATHENS, GA with 1 branch location and about $16.56 million in total assets. Opened 55 years ago in 1971, FIRST RELIANCE FEDERAL CREDIT UNION has about 3,000 members and employs 5 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FIRST RELIANCE FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | PO BOX 80505 ATHENS, GA 30608 |
| Phone: | (706) 613-1644 |
| Fax: | (706) 613-1950 |
| Website: | https://www.firstreliancefcu.org |
| Branches: | 1 branch locations |
| Members: | 3,000 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 20707 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1971 |
| Last Audited: | Mar 01, 2020 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $16,560,763 |
| CEO/Manager: | DINA W THOMAS |
| Chairperson: | DEWEY BAKER |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 6,134,219 |
| TOTAL INVESTMENTS | 4,469,333 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 412,404 |
| Unsecured Loans | 766,084 |
| Other Loans | 3,827,663 |
| TOTAL LOANS | 5,357,685 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -31,225 |
| Land And Building | 436,275 |
| Other Fixed Assets | 29,508 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 113,103 |
| All Other Assets | 51,865 |
| TOTAL ASSETS | 16,560,763 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 312 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 155,016 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 2,800,101 |
| Regular shares | 8,113,523 |
| All Other Shares & Deposits | 3,921,643 |
| TOTAL SHARES & DEPOSITS | 14,835,267 |
| TOTAL LIABILITIES | 14,990,595 |
| Regular Reserve | 247,493 |
| Other Reserves | 76,041 |
| Undivided Earnings | 1,246,634 |
| TOTAL EQUITY | 1,570,168 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 16,560,763 |
| INCOME & EXPENSE | |
| Loan Income | 95,087 |
| Investment Income | 18,205 |
| Other Income | 48,836 |
| Total Employee Compensation & Benefits | 54,229 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 91,160 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 6,000 |
| Cost of Funds | 2,955 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 10,961 |
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