Sep, 30, 2025 — N R L FEDERAL CREDIT UNION (NRLFCU) is a federal credit union headquartered in ALEXANDRIA, VA with 3 branch locations and about $579.65 million in total assets. Opened 80 years ago in 1946, N R L FEDERAL CREDIT UNION (NRLFCU) has about 29,498 members and employs 76 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | N R L FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 5440 Cherokee Ave Ste 200 ALEXANDRIA, VA 22312 |
| Phone: | (301) 839-8400 |
| Fax: | (301) 839-8500 |
| Website: | https://www.spectracu.com |
| Branches: | 3 branch locations |
| Members: | 29,498 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 5380 |
|---|---|
| Membership Type: | Multiple common bond - Primarily federal, state, local government |
| Corporate Credit Union: | No |
| Year Opened: | 1946 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $579,650,889 |
| CEO/Manager: | Kristin Shultz |
| Chairperson: | Mary Kappus |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 43,377,388 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 167,035,385 |
| Unsecured Loans | 58,512,643 |
| Other Loans | 137,218,022 |
| TOTAL LOANS | 362,766,050 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -5,030,332 |
| Land And Building | 15,193,998 |
| Other Fixed Assets | 2,430,365 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 5,229,919 |
| All Other Assets | 1,014,409 |
| TOTAL ASSETS | 579,650,889 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 103 |
| Notes & Interest Payable | 4,000,000 |
| Accounts Payable & Other Liabilities | 9,366,207 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 107,880,391 |
| Regular shares | 118,491,251 |
| All Other Shares & Deposits | 305,789,659 |
| TOTAL SHARES & DEPOSITS | 532,161,302 |
| TOTAL LIABILITIES | 545,527,612 |
| Regular Reserve | 0 |
| Other Reserves | -13,105,837 |
| Undivided Earnings | 47,229,114 |
| TOTAL EQUITY | 34,123,277 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 579,650,889 |
| INCOME & EXPENSE | |
| Loan Income | 14,592,988 |
| Investment Income | 4,426,330 |
| Other Income | 586,976 |
| Total Employee Compensation & Benefits | 6,955,581 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 6,470,934 |
| Non-operating Income & (Expense) | -132,856 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,151,679 |
| Cost of Funds | 7,388,437 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 59,184 |
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