Sep, 30, 2025 — A. E. A. FEDERAL CREDIT UNION is a federal credit union headquartered in YUMA, AZ with 4 branch locations and about $389.93 million in total assets. Opened 84 years ago in 1942, A. E. A. FEDERAL CREDIT UNION has about 34,306 members and employs 95 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | A. E. A. FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1780 S 1st Ave YUMA, AZ 85364-5705 |
| Phone: | (928) 783-8881 |
| Fax: | (928) 783-0203 |
| Website: | https://www.avenirfinancial.org |
| Branches: | 4 branch locations |
| Members: | 34,306 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 4915 |
|---|---|
| Membership Type: | Multiple common bond - other |
| Corporate Credit Union: | No |
| Year Opened: | 1942 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $389,926,021 |
| CEO/Manager: | Adele Gallagher |
| Chairperson: | Daniel Corr |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 9,374,009 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 65,000 |
| Real Estate Loans | 157,586,933 |
| Unsecured Loans | 21,835,571 |
| Other Loans | 95,770,403 |
| TOTAL LOANS | 275,192,908 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -5,435,654 |
| Land And Building | 15,444,379 |
| Other Fixed Assets | 1,680,750 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 2,626,832 |
| All Other Assets | 102,129 |
| TOTAL ASSETS | 389,926,021 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 2,070 |
| Notes & Interest Payable | 40,500,000 |
| Accounts Payable & Other Liabilities | 5,610,803 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 30,000,000 |
| Share Drafts | 62,858,711 |
| Regular shares | 112,517,785 |
| All Other Shares & Deposits | 111,648,459 |
| TOTAL SHARES & DEPOSITS | 287,024,953 |
| TOTAL LIABILITIES | 363,139,361 |
| Regular Reserve | 0 |
| Other Reserves | -4,197,198 |
| Undivided Earnings | 30,983,858 |
| TOTAL EQUITY | 26,786,660 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 389,926,021 |
| INCOME & EXPENSE | |
| Loan Income | 11,554,818 |
| Investment Income | 2,133,732 |
| Other Income | 2,366,627 |
| Total Employee Compensation & Benefits | 6,476,518 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 7,046,647 |
| Non-operating Income & (Expense) | 60,641 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,806,262 |
| Cost of Funds | 3,638,829 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 572,724 |
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