Dec, 31, 2021 — CONSUMER'S FEDERAL CREDIT UNION is a federal credit union headquartered in GREGORY, SD with 1 branch location and about $16.40 million in total assets. Opened 45 years ago in 1977, CONSUMER'S FEDERAL CREDIT UNION has about 1,460 members and employs 4 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | CONSUMER'S FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 301 highway 18 west GREGORY, SD 57533-2203 |
| Phone: | (605) 835-8749 |
| Fax: | (605) 835-9413 |
| Website: | http://consumersfcu.coop |
| Branches: | 1 branch locations |
| Members: | 1,460 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 22719 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1977 |
| Last Audited: | Jun 01, 2021 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $16,395,298 |
| CEO/Manager: | Dannielle M Miller |
| Chairperson: | Bryan Nelson |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,717,797 |
| TOTAL INVESTMENTS | 5,082,850 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 603,361 |
| Unsecured Loans | 631,620 |
| Other Loans | 8,100,647 |
| TOTAL LOANS | 9,372,629 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -157,007 |
| Land And Building | 157,232 |
| Other Fixed Assets | 32 |
| NCUSIF Deposit | 136,011 |
| All Other Assets | 85,754 |
| TOTAL ASSETS | 16,395,298 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 14,517 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 2,472 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 6,336,254 |
| Regular shares | 5,345,883 |
| All Other Shares & Deposits | 3,309,200 |
| TOTAL SHARES & DEPOSITS | 14,991,337 |
| TOTAL LIABILITIES | 15,008,326 |
| Regular Reserve | 102,126 |
| Other Reserves | 0 |
| Undivided Earnings | 1,284,846 |
| TOTAL EQUITY | 1,386,972 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 16,395,298 |
| INCOME & EXPENSE | |
| Loan Income | 462,394 |
| Investment Income | 25,578 |
| Other Income | 126,038 |
| Total Employee Compensation & Benefits | 246,388 |
| NCUSIF Premiums Expense | 0 |
| Total Other Operating Expenses | 306,797 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 11,717 |
| Cost of Funds | 66,761 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 122,482 |
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