Dec, 31, 2021 — DOW GREAT WESTERN CREDIT UNION is a federally insured state chartered credit union headquartered in ANTIOCH, CA with 3 branch locations and about $56.10 million in total assets. Opened 84 years ago in 1938, DOW GREAT WESTERN CREDIT UNION has about 2,221 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: | http://www.dowcu.org |
| Branches: | 3 branch locations |
| Members: | 2,221 |
| 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, 2021 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $56,104,925 |
| CEO/Manager: | Paul M Kramer |
| Chairperson: | Curtis Tong |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,272,742 |
| TOTAL INVESTMENTS | 24,413,636 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 12,426,983 |
| Unsecured Loans | 1,449,515 |
| Other Loans | 7,328,605 |
| TOTAL LOANS | 21,205,103 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -22,264 |
| Land And Building | 3,470,801 |
| Other Fixed Assets | 631,330 |
| NCUSIF Deposit | 476,875 |
| All Other Assets | 3,656,702 |
| TOTAL ASSETS | 56,104,925 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 373,993 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 9,576,546 |
| Regular shares | 12,979,922 |
| All Other Shares & Deposits | 28,474,918 |
| TOTAL SHARES & DEPOSITS | 51,031,386 |
| TOTAL LIABILITIES | 51,405,379 |
| Regular Reserve | 1,080,127 |
| Other Reserves | -120,794 |
| Undivided Earnings | 3,740,213 |
| TOTAL EQUITY | 4,699,546 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 56,104,925 |
| INCOME & EXPENSE | |
| Loan Income | 1,004,923 |
| Investment Income | 170,050 |
| Other Income | 49,489 |
| Total Employee Compensation & Benefits | 689,614 |
| NCUSIF Premiums Expense | 0 |
| Total Other Operating Expenses | 1,055,882 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | -58,366 |
| Cost of Funds | 109,698 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 16,577 |
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