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National Credit Union Service Organization

RAILROAD & INDUSTRIAL FEDERAL CREDIT UNION

Dec, 31, 2021 — RAILROAD & INDUSTRIAL FEDERAL CREDIT UNION is a federal credit union headquartered in TAMPA, FL with 9 branch locations and about $460.20 million in total assets. Opened 87 years ago in 1935, RAILROAD & INDUSTRIAL FEDERAL CREDIT UNION has about 42,013 members and employs 85 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:42,013
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, 2021
FHLB Member:No
Low Income Designation:No
Assets:$460,198,538
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 76,545,922
TOTAL INVESTMENTS 164,817,988
Loans Held for Sale 0
 
 Real Estate Loans 52,009,877
 Unsecured Loans 9,768,133
 Other Loans 119,398,539
 TOTAL LOANS 181,176,549
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -962,712
 Land And Building 9,176,641
 Other Fixed Assets 758,683
 NCUSIF Deposit 3,679,734
 All Other Assets 25,005,733
  TOTAL ASSETS 460,198,538
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 5,364,811
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 70,771,951
 Regular shares 101,471,727
 All Other Shares & Deposits 231,643,996
  TOTAL SHARES & DEPOSITS 403,887,674
  TOTAL LIABILITIES 409,252,485
 Regular Reserve 4,776,904
 Other Reserves -1,652,837
 Undivided Earnings 47,821,986
  TOTAL EQUITY 50,946,053
  TOTAL LIABILITIES, SHARES, & EQUITY 460,198,538
INCOME & EXPENSE  
 Loan Income 7,736,085
 Investment Income 2,409,098
 Other Income 3,637,762
 Total Employee Compensation & Benefits 5,951,687
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 6,761,313
 Non-operating Income & (Expense) 231,722
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense -124,865
 Cost of Funds 1,844,712
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 4,067,033
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