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RAILROAD & INDUSTRIAL FEDERAL CREDIT UNION

Mar, 31, 2021 — RAILROAD & INDUSTRIAL FEDERAL CREDIT UNION is a federal credit union headquartered in TAMPA, FL with 9 branch locations and about $441.18 million in total assets. Opened 86 years ago in 1935, RAILROAD & INDUSTRIAL FEDERAL CREDIT UNION has about 41,297 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 50TH ST N
TAMPA, FL 33619
Phone:(813) 621-6661
Fax:(813) 626-5026
Website:http://www.rifcu.org
Branches:9 branch locations
Members:41,297
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:$441,181,988
CEO/Manager:Peter A Giorgianni
Chairperson:Jasper A Brown

Call Report

  • Commercial Loans
  • Credit Builder
  • Debt Cancellation/Suspension
  • Indirect Consumer Loans
  • Overdraft Lines of Credit
  • Overdraft Protection
  • Participation Loans
  • Real Estate Loans
  • Risk Based Loans
  • Share Secured Credit Cards
  • Payday Alternative Loans (PAL Loans)
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Check Cashing
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 80,953,868
TOTAL INVESTMENTS 144,379,812
Loans Held for Sale 0
 
 Real Estate Loans 56,794,958
 Unsecured Loans 9,370,421
 Other Loans 116,978,997
 TOTAL LOANS 183,144,376
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -1,393,158
 Land And Building 9,019,129
 Other Fixed Assets 918,649
 NCUSIF Deposit 3,474,436
 All Other Assets 20,684,876
  TOTAL ASSETS 441,181,988
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 5,701,273
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 71,100,182
 Regular shares 100,191,675
 All Other Shares & Deposits 217,612,709
  TOTAL SHARES & DEPOSITS 388,904,566
  TOTAL LIABILITIES 394,605,839
 Regular Reserve 4,776,904
 Other Reserves -2,991,654
 Undivided Earnings 44,790,899
  TOTAL EQUITY 46,576,149
  TOTAL LIABILITIES, SHARES, & EQUITY 441,181,988
INCOME & EXPENSE  
 Loan Income 2,059,745
 Investment Income 548,101
 Other Income 853,923
 Total Employee Compensation & Benefits 1,474,155
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 1,387,380
 Non-operating Income & (Expense) 7,776
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 95,000
 Cost of Funds 488,673
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 1,035,945
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