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National Credit Union Service Organization

THE WRIGHT CREDIT UNION

Mar, 31, 2021 — THE WRIGHT CREDIT UNION is a federally insured state chartered credit union headquartered in TOCCOA, GA with 1 branch location and about $15.96 million in total assets. Opened 58 years ago in 1963, THE WRIGHT CREDIT UNION has about 1,565 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:THE WRIGHT CREDIT UNION
Address:
(Main Office)
PO BOX 238
TOCCOA, GA 30577
Phone:(706) 886-2908
Fax:(706) 886-0154
Website:https://thewrightcu.org
Branches:1 branch locations
Members:1,565
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:67564
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1963
Last Audited:Jun 01, 2020
FHLB Member:No
Low Income Designation:No
Assets:$15,964,747
CEO/Manager:Alaina L LaCount
Chairperson:Mark Richardson

Call Report

  • Commercial Loans
  • Credit Builder
  • Micro Business Loans
  • Micro Consumer Loans
  • Overdraft Protection
  • Real Estate Loans
  • Risk Based Loans
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Check Cashing
  • Insurance/Investment Sales
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 4,835,991
TOTAL INVESTMENTS 5,199,213
Loans Held for Sale 0
 
 Real Estate Loans 1,479,226
 Unsecured Loans 385,876
 Other Loans 3,749,555
 TOTAL LOANS 5,614,657
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -57,067
 Land And Building 139,424
 Other Fixed Assets 35,068
 NCUSIF Deposit 105,034
 All Other Assets 92,427
  TOTAL ASSETS 15,964,747
LIABILITIES & CAPITAL:  
 Dividends Payable 12,396
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 78,849
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 2,439,151
 Regular shares 7,161,584
 All Other Shares & Deposits 3,977,837
  TOTAL SHARES & DEPOSITS 13,578,572
  TOTAL LIABILITIES 13,669,817
 Regular Reserve 398,858
 Other Reserves 0
 Undivided Earnings 1,896,072
  TOTAL EQUITY 2,294,930
  TOTAL LIABILITIES, SHARES, & EQUITY 15,964,747
INCOME & EXPENSE  
 Loan Income 112,763
 Investment Income 14,554
 Other Income 12,885
 Total Employee Compensation & Benefits 63,993
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 47,620
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 1,500
 Cost of Funds 13,025
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 31,574
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