Sep, 30, 2025 — EMBARRASS VERMILLION FEDERAL CREDIT UNION is a federal credit union headquartered in AURORA, MN with 5 branch locations and about $65.77 million in total assets. Opened 85 years ago in 1941, EMBARRASS VERMILLION FEDERAL CREDIT UNION has about 4,856 members and employs 18 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | EMBARRASS VERMILLION FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 600 W 3rd Ave N AURORA, MN 55705-1269 |
| Phone: | (218) 229-2048 |
| Fax: | (218) 229-2096 |
| Website: | https://www.evfcu.org |
| Branches: | 5 branch locations |
| Members: | 4,856 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 4708 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1941 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $65,773,129 |
| CEO/Manager: | James Kramar |
| Chairperson: | Marty Hendrickson |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,566,310 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 24,165,911 |
| Unsecured Loans | 3,205,502 |
| Other Loans | 23,345,291 |
| TOTAL LOANS | 50,716,706 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -146,364 |
| Land And Building | 1,647,312 |
| Other Fixed Assets | 270,191 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 503,589 |
| All Other Assets | 0 |
| TOTAL ASSETS | 65,773,129 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 510,865 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 10,454,433 |
| Regular shares | 31,719,905 |
| All Other Shares & Deposits | 12,901,042 |
| TOTAL SHARES & DEPOSITS | 55,075,384 |
| TOTAL LIABILITIES | 55,586,249 |
| Regular Reserve | 0 |
| Other Reserves | 596,160 |
| Undivided Earnings | 9,590,720 |
| TOTAL EQUITY | 10,186,880 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 65,773,129 |
| INCOME & EXPENSE | |
| Loan Income | 2,235,742 |
| Investment Income | 420,865 |
| Other Income | 260,618 |
| Total Employee Compensation & Benefits | 885,956 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 914,803 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 160,000 |
| Cost of Funds | 364,265 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 834,102 |
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