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National Credit Union Service Organization

RAILROAD & INDUSTRIAL FEDERAL CREDIT UNION

Sep, 30, 2022 — RAILROAD & INDUSTRIAL FEDERAL CREDIT UNION is a federal credit union headquartered in TAMPA, FL with 9 branch locations and about $482.50 million in total assets. Opened 88 years ago in 1935, RAILROAD & INDUSTRIAL FEDERAL CREDIT UNION has about 43,303 members and employs 84 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 263183049
Name:RAILROAD & INDUSTRIAL FEDERAL CREDIT UNION
Address:
(Main Office)
3710 N 50th St
TAMPA, FL 33619
Phone:(813) 621-6661
Fax:(813) 626-5026
Website:https://www.traxcu.com
Branches:9 branch locations
Members:43,303
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, 2022
FHLB Member:No
Low Income Designation:No
Assets:$482,503,691
CEO/Manager:Peter A Giorgianni
Chairperson:Robert H Dexter

Call Report

  • Credit Builder
  • Payday Alternative Loans (PAL Loans)
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 26,825,847
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 71,407,183
 Unsecured Loans 11,638,866
 Other Loans 151,560,168
 TOTAL LOANS 234,606,217
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -1,146,280
 Land And Building 10,090,930
 Other Fixed Assets 1,169,289
 NCUSIF Deposit 3,804,242
 All Other Assets 82,541
  TOTAL ASSETS 482,503,691
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 5,443,437
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 78,214,357
 Regular shares 111,030,227
 All Other Shares & Deposits 234,721,195
  TOTAL SHARES & DEPOSITS 423,965,779
  TOTAL LIABILITIES 429,409,216
 Regular Reserve 0
 Other Reserves 2,416,342
 Undivided Earnings 50,678,133
  TOTAL EQUITY 53,094,475
  TOTAL LIABILITIES, SHARES, & EQUITY 482,503,691
INCOME & EXPENSE  
 Loan Income 6,417,747
 Investment Income 2,531,129
 Other Income 2,972,939
 Total Employee Compensation & Benefits 4,687,827
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 5,646,394
 Non-operating Income & (Expense) 144,638
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 717,270
 Cost of Funds 1,249,013
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 2,856,148
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