Sep, 30, 2025 — CALHOUN-LIBERTY EMPLOYEES CREDIT UNION is a federally insured state chartered credit union headquartered in BLOUNTSTOWN, FL with 3 branch locations and about $166.66 million in total assets. Opened 35 years ago in 1991, CALHOUN-LIBERTY EMPLOYEES CREDIT UNION has about 9,181 members and employs 39 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | CALHOUN-LIBERTY EMPLOYEES CREDIT UNION |
|---|---|
| Address: (Main Office) | 16076 State Road 71 S BLOUNTSTOWN, FL 32424-5100 |
| Phone: | (850) 674-4527 |
| Fax: | |
| Website: | https://www.calhounlibertycu.com |
| Branches: | 3 branch locations |
| Members: | 9,181 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 67431 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1991 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $166,656,500 |
| CEO/Manager: | Thomas G Flowers |
| Chairperson: | Annie Jo Dawson |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 13,931,384 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 62,955,472 |
| Unsecured Loans | 11,222,128 |
| Other Loans | 48,301,983 |
| TOTAL LOANS | 122,479,583 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,303,000 |
| Land And Building | 3,865,208 |
| Other Fixed Assets | 881,266 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,378,743 |
| All Other Assets | 0 |
| TOTAL ASSETS | 166,656,500 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 7,308 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 4,052,024 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 26,175,323 |
| Regular shares | 48,380,498 |
| All Other Shares & Deposits | 70,229,151 |
| TOTAL SHARES & DEPOSITS | 144,784,972 |
| TOTAL LIABILITIES | 148,844,304 |
| Regular Reserve | 0 |
| Other Reserves | 5,978,811 |
| Undivided Earnings | 11,833,385 |
| TOTAL EQUITY | 17,812,196 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 166,656,500 |
| INCOME & EXPENSE | |
| Loan Income | 6,451,304 |
| Investment Income | 1,054,907 |
| Other Income | 615,610 |
| Total Employee Compensation & Benefits | 2,368,311 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 3,058,562 |
| Non-operating Income & (Expense) | 156,332 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 300,736 |
| Cost of Funds | 2,103,144 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,143,277 |
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