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SMART FINANCIAL CREDIT UNION

Dec, 31, 2021 — SMART FINANCIAL CREDIT UNION is a federally insured state chartered credit union headquartered in HOUSTON, TX with 14 branch locations and about $863.05 million in total assets. Opened 88 years ago in 1934, SMART FINANCIAL CREDIT UNION has about 68,277 members and employs 194 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:http://www.smartcu.org
Branches:14 branch locations
Members:68,277
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, 2020
FHLB Member:No
Low Income Designation:No
Assets:$863,053,062
CEO/Manager:Larrry Seidl
Chairperson:Michael J O'Neill

Call Report

  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 174,809,857
TOTAL INVESTMENTS 194,741,088
Loans Held for Sale 0
 
 Real Estate Loans 231,365,514
 Unsecured Loans 44,315,963
 Other Loans 151,965,436
 TOTAL LOANS 427,646,913
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -3,449,403
 Land And Building 27,440,207
 Other Fixed Assets 2,939,032
 NCUSIF Deposit 7,457,940
 All Other Assets 31,467,428
  TOTAL ASSETS 863,053,062
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 14,499,115
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 184,686,341
 Regular shares 400,845,516
 All Other Shares & Deposits 194,390,472
  TOTAL SHARES & DEPOSITS 779,922,329
  TOTAL LIABILITIES 794,421,444
 Regular Reserve 4,726,719
 Other Reserves -7,595,881
 Undivided Earnings 71,500,780
  TOTAL EQUITY 68,631,618
  TOTAL LIABILITIES, SHARES, & EQUITY 863,053,062
INCOME & EXPENSE  
 Loan Income 19,530,890
 Investment Income 1,556,828
 Other Income 4,967,752
 Total Employee Compensation & Benefits 16,425,383
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 13,489,789
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense -903,608
 Cost of Funds 1,239,149
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 4,018,760
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