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National Credit Union Service Organization

RAILROAD & INDUSTRIAL FEDERAL CREDIT UNION

Jun, 30, 2021 — RAILROAD & INDUSTRIAL FEDERAL CREDIT UNION is a federal credit union headquartered in TAMPA, FL with 9 branch locations and about $441.53 million in total assets. Opened 86 years ago in 1935, RAILROAD & INDUSTRIAL FEDERAL CREDIT UNION has about 41,695 members and employs 80 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 50TH ST N
TAMPA, FL 33619
Phone:(813) 621-6661
Fax:(813) 626-5026
Website:http://www.rifcu.org
Branches:9 branch locations
Members:41,695
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, 2020
FHLB Member:No
Low Income Designation:No
Assets:$441,533,004
CEO/Manager:Peter A Giorgianni
Chairperson:Robert H Dexter

Call Report

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

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 76,357,695
TOTAL INVESTMENTS 153,809,070
Loans Held for Sale 0
 
 Real Estate Loans 57,197,504
 Unsecured Loans 9,517,619
 Other Loans 112,236,288
 TOTAL LOANS 178,951,411
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -1,559,048
 Land And Building 8,965,524
 Other Fixed Assets 857,043
 NCUSIF Deposit 3,474,436
 All Other Assets 20,676,873
  TOTAL ASSETS 441,533,004
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 5,637,040
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 62,926,007
 Regular shares 99,696,347
 All Other Shares & Deposits 224,338,866
  TOTAL SHARES & DEPOSITS 386,961,220
  TOTAL LIABILITIES 392,598,260
 Regular Reserve 4,776,904
 Other Reserves -1,608,464
 Undivided Earnings 45,766,304
  TOTAL EQUITY 48,934,744
  TOTAL LIABILITIES, SHARES, & EQUITY 441,533,004
INCOME & EXPENSE  
 Loan Income 3,999,908
 Investment Income 1,182,553
 Other Income 1,692,598
 Total Employee Compensation & Benefits 2,933,977
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 2,903,725
 Non-operating Income & (Expense) 24,977
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 125,000
 Cost of Funds 973,788
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 2,011,351
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