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NATURAL STATE FEDERAL CREDIT UNION

Dec, 31, 2020 — NATURAL STATE FEDERAL CREDIT UNION is a federal credit union headquartered in SEARCY, AR with 1 branch location and about $6.02 million in total assets. Opened 65 years ago in 1956, NATURAL STATE FEDERAL CREDIT UNION has about 1,343 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:NATURAL STATE FEDERAL CREDIT UNION
Address:
(Main Office)
PO BOX 422
SEARCY, AR 72145
Phone:(501) 268-9301
Fax:(501) 268-9998
Website:n/a
Branches:1 branch locations
Members:1,343
Credit Union Type:Federal Credit Union
Charter Number:24432
Membership Type:Multiple common bond - Primarily communications and utilities
Corporate Credit Union:No
Year Opened:1956
Last Audited:Jul 01, 2020
FHLB Member:No
Low Income Designation:No
Assets:$6,021,518
CEO/Manager:CLAY DICKERSON
Chairperson:PAUL CLEMENTS

Call Report

  • Credit Builder
  • Risk Based Loans
  • ATM/Debit Card Program
  • Check Cashing
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 728,131
TOTAL INVESTMENTS 101,601
Loans Held for Sale 0
 
 Real Estate Loans 0
 Unsecured Loans 473,429
 Other Loans 4,525,828
 TOTAL LOANS 4,999,257
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -15,867
 Land And Building 143,193
 Other Fixed Assets 10,995
 NCUSIF Deposit 42,396
 All Other Assets 11,812
  TOTAL ASSETS 6,021,518
LIABILITIES & CAPITAL:  
 Dividends Payable 2,886
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 66,469
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 410,952
 Regular shares 3,675,335
 All Other Shares & Deposits 722,187
  TOTAL SHARES & DEPOSITS 4,808,474
  TOTAL LIABILITIES 4,877,829
 Regular Reserve 264,442
 Other Reserves 0
 Undivided Earnings 879,247
  TOTAL EQUITY 1,143,689
  TOTAL LIABILITIES, SHARES, & EQUITY 6,021,518
INCOME & EXPENSE  
 Loan Income 311,148
 Investment Income 2,293
 Other Income 66,805
 Total Employee Compensation & Benefits 135,202
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 116,537
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense -2,061
 Cost of Funds 18,650
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 111,918
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