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RAILROAD & INDUSTRIAL FEDERAL CREDIT UNION

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.


ABA Routing Number: 263183049
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

Call Report

  • Credit Builder
  • Payday Alternative Loans (PAL Loans)
  • First Time Homebuyer Program
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
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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