Dec, 31, 2023 — DOW GREAT WESTERN CREDIT UNION is a federally insured state chartered credit union headquartered in ANTIOCH, CA with 1 branch location and about $47.41 million in total assets. Opened 86 years ago in 1938, DOW GREAT WESTERN CREDIT UNION has about 2,113 members and employs 8 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | DOW GREAT WESTERN CREDIT UNION |
|---|---|
| Address: (Main Office) | 3457 Deer Valley Rd ANTIOCH, CA 94531-6665 |
| Phone: | (925) 331-1010 |
| Fax: | (925) 331-1066 |
| Website: | https://www.dowcu.org |
| Branches: | 1 branch locations |
| Members: | 2,113 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 64503 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1938 |
| Last Audited: | Jun 01, 2023 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $47,413,210 |
| CEO/Manager: | Paul M Kramer |
| Chairperson: | Jeff Noyer |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 746,951 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 11,703,417 |
| Unsecured Loans | 3,735,358 |
| Other Loans | 10,351,263 |
| TOTAL LOANS | 25,790,039 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -95,382 |
| Land And Building | 3,357,384 |
| Other Fixed Assets | 227,511 |
| NCUSIF Deposit | 456,085 |
| All Other Assets | 0 |
| TOTAL ASSETS | 47,413,210 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 23,604 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 386,951 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 8,619,244 |
| Regular shares | 11,582,797 |
| All Other Shares & Deposits | 23,500,308 |
| TOTAL SHARES & DEPOSITS | 43,702,349 |
| TOTAL LIABILITIES | 44,112,904 |
| Regular Reserve | 0 |
| Other Reserves | -1,418,758 |
| Undivided Earnings | 4,719,064 |
| TOTAL EQUITY | 3,300,306 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 47,413,210 |
| INCOME & EXPENSE | |
| Loan Income | 1,340,858 |
| Investment Income | 234,292 |
| Other Income | 54,386 |
| Total Employee Compensation & Benefits | 766,042 |
| NCUSIF Premiums Expense | 0 |
| Total Other Operating Expenses | 835,054 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 125,322 |
| Cost of Funds | 297,142 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -28,726 |
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