Sep, 30, 2025 — AMBRAW FEDERAL CREDIT UNION is a federal credit union headquartered in LAWRENCEVILLE, IL with 2 branch locations and about $16.34 million in total assets. Opened 91 years ago in 1935, AMBRAW FEDERAL CREDIT UNION has about 2,005 members and employs 7 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | AMBRAW FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2300 Lexington Ave LAWRENCEVILLE, IL 62439 |
| Phone: | (618) 943-2913 |
| Fax: | (618) 943-4652 |
| Website: | https://www.ambrawfcu.com |
| Branches: | 2 branch locations |
| Members: | 2,005 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 567 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1935 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $16,337,812 |
| CEO/Manager: | Sharlene S Howard |
| Chairperson: | Jerry Fye |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,747,806 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 174,195 |
| Other Loans | 2,906,899 |
| TOTAL LOANS | 3,081,094 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -8,709 |
| Land And Building | 268,405 |
| Other Fixed Assets | 57,059 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 146,768 |
| All Other Assets | 7,690 |
| TOTAL ASSETS | 16,337,812 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 99,212 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 5,582,715 |
| Regular shares | 7,822,345 |
| All Other Shares & Deposits | 1,258,591 |
| TOTAL SHARES & DEPOSITS | 14,663,651 |
| TOTAL LIABILITIES | 14,762,863 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 1,574,949 |
| TOTAL EQUITY | 1,574,949 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 16,337,812 |
| INCOME & EXPENSE | |
| Loan Income | 193,902 |
| Investment Income | 288,904 |
| Other Income | 85,924 |
| Total Employee Compensation & Benefits | 228,755 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 186,796 |
| Non-operating Income & (Expense) | 4,959 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 0 |
| Cost of Funds | 70,830 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 87,308 |
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