Sep, 30, 2025 — RAILROAD & INDUSTRIAL FEDERAL CREDIT UNION is a federal credit union headquartered in TAMPA, FL with 9 branch locations and about $495.45 million in total assets. Opened 91 years ago in 1935, RAILROAD & INDUSTRIAL FEDERAL CREDIT UNION has about 45,049 members and employs 99 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | RAILROAD & INDUSTRIAL FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 3710 N 50th St TAMPA, FL 33619 |
| Phone: | (813) 800-8729 |
| Fax: | (813) 626-5033 |
| Website: | https://www.traxcu.com |
| Branches: | 9 branch locations |
| Members: | 45,049 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 24703 |
|---|---|
| Membership Type: | Multiple common bond - other |
| Corporate Credit Union: | No |
| Year Opened: | 1935 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $495,449,300 |
| CEO/Manager: | Jessica Stevenson |
| Chairperson: | Josh Baldwin |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 75,187,850 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 87,160,298 |
| Unsecured Loans | 12,638,290 |
| Other Loans | 105,084,377 |
| TOTAL LOANS | 204,882,965 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -2,571,885 |
| Land And Building | 9,195,140 |
| Other Fixed Assets | 887,757 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 3,898,813 |
| All Other Assets | 352,162 |
| TOTAL ASSETS | 495,449,300 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 6,333,225 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 63,441,120 |
| Regular shares | 92,359,381 |
| All Other Shares & Deposits | 272,522,341 |
| TOTAL SHARES & DEPOSITS | 428,322,844 |
| TOTAL LIABILITIES | 434,899,514 |
| Regular Reserve | 0 |
| Other Reserves | -913,069 |
| Undivided Earnings | 61,462,855 |
| TOTAL EQUITY | 60,549,786 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 495,449,300 |
| INCOME & EXPENSE | |
| Loan Income | 10,168,537 |
| Investment Income | 6,398,975 |
| Other Income | 2,921,727 |
| Total Employee Compensation & Benefits | 5,529,818 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 6,909,250 |
| Non-operating Income & (Expense) | 85,385 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 2,276,997 |
| Cost of Funds | 6,559,670 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 997,509 |
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