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RAILROAD & INDUSTRIAL FEDERAL CREDIT UNION

Mar, 31, 2022 — RAILROAD & INDUSTRIAL FEDERAL CREDIT UNION is a federal credit union headquartered in TAMPA, FL with 9 branch locations and about $481.54 million in total assets. Opened 87 years ago in 1935, RAILROAD & INDUSTRIAL FEDERAL CREDIT UNION has about 42,359 members and employs 82 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:42,359
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:$481,539,450
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 86,976,586
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 49,064,665
 Unsecured Loans 10,579,545
 Other Loans 120,487,944
 TOTAL LOANS 180,132,154
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -984,588
 Land And Building 10,222,375
 Other Fixed Assets 1,076,994
 NCUSIF Deposit 3,679,734
 All Other Assets 48,592
  TOTAL ASSETS 481,539,450
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 5,717,609
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 76,440,593
 Regular shares 109,890,402
 All Other Shares & Deposits 238,088,101
  TOTAL SHARES & DEPOSITS 424,419,096
  TOTAL LIABILITIES 430,136,705
 Regular Reserve 0
 Other Reserves 3,149,875
 Undivided Earnings 48,252,870
  TOTAL EQUITY 51,402,745
  TOTAL LIABILITIES, SHARES, & EQUITY 481,539,450
INCOME & EXPENSE  
 Loan Income 1,815,680
 Investment Income 680,689
 Other Income 946,337
 Total Employee Compensation & Benefits 1,574,528
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 1,870,101
 Non-operating Income & (Expense) 80,066
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 214,956
 Cost of Funds 423,030
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 430,883
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