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National Credit Union Service Organization

NORTH MAIN CREDIT UNION

Mar, 31, 2021 — NORTH MAIN CREDIT UNION is a federally insured state chartered credit union headquartered in CORNELIA, GA with 1 branch location and about $19.88 million in total assets. Opened 42 years ago in 1979, NORTH MAIN CREDIT UNION has about 1,633 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:NORTH MAIN CREDIT UNION
Address:
(Main Office)
255 N MAIN ST
CORNELIA, GA 30531
Phone:(706) 894-9060
Fax:(706) 894-9070
Website:https://www.northmaincu.org
Branches:1 branch locations
Members:1,633
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:67391
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1979
Last Audited:Sep 01, 2020
FHLB Member:No
Low Income Designation:No
Assets:$19,884,140
CEO/Manager:Melany B Ward
Chairperson:William R McAllister

Call Report

  • Real Estate Loans
  • Risk Based Loans
  • ATM/Debit Card Program
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 2,018,577
TOTAL INVESTMENTS 2,962,912
Loans Held for Sale 0
 
 Real Estate Loans 3,749,767
 Unsecured Loans 1,434,925
 Other Loans 8,515,080
 TOTAL LOANS 13,699,772
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -171,022
 Land And Building 435,966
 Other Fixed Assets 30,373
 NCUSIF Deposit 127,902
 All Other Assets 779,660
  TOTAL ASSETS 19,884,140
LIABILITIES & CAPITAL:  
 Dividends Payable 14,253
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 224,329
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 3,233,518
 Regular shares 7,050,648
 All Other Shares & Deposits 6,715,823
  TOTAL SHARES & DEPOSITS 16,999,989
  TOTAL LIABILITIES 17,238,571
 Regular Reserve 338,407
 Other Reserves 0
 Undivided Earnings 2,307,162
  TOTAL EQUITY 2,645,569
  TOTAL LIABILITIES, SHARES, & EQUITY 19,884,140
INCOME & EXPENSE  
 Loan Income 231,403
 Investment Income 3,741
 Other Income 67,403
 Total Employee Compensation & Benefits 137,469
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 71,871
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 0
 Cost of Funds 6,712
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 98,587
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