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SMART FINANCIAL CREDIT UNION

Sep, 30, 2022 — SMART FINANCIAL CREDIT UNION is a federally insured state chartered credit union headquartered in HOUSTON, TX with 13 branch locations and about $867.63 million in total assets. Opened 89 years ago in 1934, SMART FINANCIAL CREDIT UNION has about 64,043 members and employs 196 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: 313083578
Name:SMART FINANCIAL CREDIT UNION
Address:
(Main Office)
6051 N Course Dr
HOUSTON, TX 77072-1667
Phone:(713) 850-1600
Fax:
Website:https://www.smartcu.org
Branches:13 branch locations
Members:64,043
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:67927
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1934
Last Audited:Dec 01, 2021
FHLB Member:No
Low Income Designation:No
Assets:$867,632,640
CEO/Manager:LeAnn Kaczynski
Chairperson:Chad G Greer

Call Report

  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 53,645,304
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 227,322,480
 Unsecured Loans 46,491,978
 Other Loans 169,125,349
 TOTAL LOANS 442,939,807
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -2,739,671
 Land And Building 28,290,896
 Other Fixed Assets 4,981,555
 NCUSIF Deposit 7,546,499
 All Other Assets 50,418
  TOTAL ASSETS 867,632,640
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 18,130,285
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 183,912,909
 Regular shares 411,500,257
 All Other Shares & Deposits 196,090,150
  TOTAL SHARES & DEPOSITS 791,503,316
  TOTAL LIABILITIES 809,633,601
 Regular Reserve 0
 Other Reserves -22,155,325
 Undivided Earnings 80,154,364
  TOTAL EQUITY 57,999,039
  TOTAL LIABILITIES, SHARES, & EQUITY 867,632,640
INCOME & EXPENSE  
 Loan Income 13,813,943
 Investment Income 2,470,897
 Other Income 4,101,173
 Total Employee Compensation & Benefits 13,381,731
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 9,607,191
 Non-operating Income & (Expense) 12,319
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense -266,503
 Cost of Funds 952,399
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 3,926,865
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