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National Credit Union Service Organization

SMART FINANCIAL CREDIT UNION

Sep, 30, 2021 — SMART FINANCIAL CREDIT UNION is a federally insured state chartered credit union headquartered in Houston, TX with 14 branch locations and about $857.85 million in total assets. Opened 87 years ago in 1934, SMART FINANCIAL CREDIT UNION has about 68,685 members and employs 193 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)
PO Box 920719
Houston, TX 77292
Phone:(713) 850-1600
Fax:
Website:http://www.smartcu.org
Branches:14 branch locations
Members:68,685
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:$857,849,369
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 174,080,068
TOTAL INVESTMENTS 188,583,191
Loans Held for Sale 0
 
 Real Estate Loans 237,291,720
 Unsecured Loans 44,892,757
 Other Loans 152,963,781
 TOTAL LOANS 435,163,822
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -3,529,812
 Land And Building 26,393,139
 Other Fixed Assets 3,636,886
 NCUSIF Deposit 6,924,060
 All Other Assets 26,598,015
  TOTAL ASSETS 857,849,369
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 18,792,880
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 182,120,848
 Regular shares 399,361,835
 All Other Shares & Deposits 193,759,178
  TOTAL SHARES & DEPOSITS 775,241,861
  TOTAL LIABILITIES 794,034,741
 Regular Reserve 4,726,719
 Other Reserves -11,587,974
 Undivided Earnings 70,675,883
  TOTAL EQUITY 63,814,628
  TOTAL LIABILITIES, SHARES, & EQUITY 857,849,369
INCOME & EXPENSE  
 Loan Income 14,859,962
 Investment Income 1,132,117
 Other Income 3,598,995
 Total Employee Compensation & Benefits 12,871,323
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 9,913,610
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense -949,983
 Cost of Funds 980,068
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 3,193,862
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