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National Credit Union Service Organization

CS CREDIT UNION

Sep, 30, 2022 — CS CREDIT UNION is a federally insured state chartered credit union headquartered in CATAWBA, NC with 2 branch locations and about $33.32 million in total assets. Opened 37 years ago in 1986, CS CREDIT UNION has about 2,986 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.


ABA Routing Number: 053185105
Name:CS CREDIT UNION
Address:
(Main Office)
6519 Comm Scope Rd
CATAWBA, NC 28609
Phone:(828) 241-6196
Fax:(828) 241-2606
Website:https://csnccreditunion.org
Branches:2 branch locations
Members:2,986
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:66856
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1986
Last Audited:Dec 01, 2021
FHLB Member:No
Low Income Designation:No
Assets:$33,320,638
CEO/Manager:Steven H Vaden
Chairperson:Dale Sherrill

Call Report

  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 7,311,865
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 4,701,936
 Unsecured Loans 1,512,601
 Other Loans 5,763,060
 TOTAL LOANS 11,977,597
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -68,067
 Land And Building 15,253
 Other Fixed Assets 9,391
 NCUSIF Deposit 277,451
 All Other Assets 0
  TOTAL ASSETS 33,320,638
LIABILITIES & CAPITAL:  
 Dividends Payable 48,077
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 25,587
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 4,821,466
 Regular shares 17,311,250
 All Other Shares & Deposits 7,218,775
  TOTAL SHARES & DEPOSITS 29,351,491
  TOTAL LIABILITIES 29,425,155
 Regular Reserve 0
 Other Reserves -49,874
 Undivided Earnings 3,945,357
  TOTAL EQUITY 3,895,483
  TOTAL LIABILITIES, SHARES, & EQUITY 33,320,638
INCOME & EXPENSE  
 Loan Income 536,198
 Investment Income 219,952
 Other Income 107,594
 Total Employee Compensation & Benefits 460,724
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 281,427
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 25,967
 Cost of Funds 60,183
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 111,864
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