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LOWER VALLEY CREDIT UNION

Dec, 31, 2020 — LOWER VALLEY CREDIT UNION is a federally insured state chartered credit union headquartered in Sunnyside, WA with 4 branch locations and about $128.39 million in total assets. Opened 63 years ago in 1958, LOWER VALLEY CREDIT UNION has about 18,679 members and employs 48 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:LOWER VALLEY CREDIT UNION
Address:
(Main Office)
900 Yakima Valley Hwy
Sunnyside, WA 98944-1357
Phone:(509) 837-5295
Fax:(509) 837-6275
Website:http://www.lvcu.org
Branches:4 branch locations
Members:18,679
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:68304
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1958
Last Audited:Mar 01, 2020
FHLB Member:No
Low Income Designation:No
Assets:$128,387,572
CEO/Manager:Suzy Fonseca
Chairperson:Cus Arteaga

Call Report

  • Commercial Loans
  • Credit Builder
  • Indirect Consumer Loans
  • Micro Business Loans
  • Micro Consumer Loans
  • Overdraft Lines of Credit
  • Overdraft Protection
  • Participation Loans
  • Pay Day Loans
  • Real Estate Loans
  • Risk Based Loans
  • Share Secured Credit Cards
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Check Cashing
  • First Time Homebuyer Program
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 10,955,114
TOTAL INVESTMENTS 2,524,406
Loans Held for Sale 0
 
 Real Estate Loans 15,261,228
 Unsecured Loans 4,127,989
 Other Loans 86,986,638
 TOTAL LOANS 106,375,855
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -2,760,979
 Land And Building 6,881,638
 Other Fixed Assets 2,142,681
 NCUSIF Deposit 1,193,883
 All Other Assets 1,074,974
  TOTAL ASSETS 128,387,572
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 410,279
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 20,002,780
 Regular shares 46,960,681
 All Other Shares & Deposits 51,206,645
  TOTAL SHARES & DEPOSITS 118,170,106
  TOTAL LIABILITIES 118,580,385
 Regular Reserve 1,831,033
 Other Reserves 2,235,858
 Undivided Earnings 5,740,296
  TOTAL EQUITY 9,807,187
  TOTAL LIABILITIES, SHARES, & EQUITY 128,387,572
INCOME & EXPENSE  
 Loan Income 8,619,958
 Investment Income 79,575
 Other Income 2,252,375
 Total Employee Compensation & Benefits 3,166,427
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 4,316,270
 Non-operating Income & (Expense) 211,835
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 1,229,365
 Cost of Funds 1,401,728
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 1,049,953
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