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National Credit Union Service Organization

NORTH COUNTY CREDIT UNION

Mar, 31, 2021 — NORTH COUNTY CREDIT UNION is a federally insured state chartered credit union headquartered in San Diego, CA with 2 branch locations and about $70.73 million in total assets. Opened 68 years ago in 1953, NORTH COUNTY CREDIT UNION has about 4,054 members and employs 11 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:NORTH COUNTY CREDIT UNION
Address:
(Main Office)
PO Box 289014
San Diego, CA 92198-9014
Phone:(858) 487-1880
Fax:
Website:http://www.northcountycu.org
Branches:2 branch locations
Members:4,054
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:68463
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1953
Last Audited:Dec 01, 2020
FHLB Member:Yes
Low Income Designation:No
Assets:$70,725,217
CEO/Manager:Gary l Sisk
Chairperson:Chris Russo

Call Report

  • Commercial Loans
  • Indirect Commercial Loans
  • Indirect Consumer Loans
  • Indirect Mortgage Loans
  • Interest Only or Payment Option 1st Mortgage Loans
  • Micro Consumer Loans
  • Overdraft Lines of Credit
  • Overdraft Protection
  • Participation Loans
  • Real Estate Loans
  • Risk Based Loans
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Check Cashing
  • First Time Homebuyer Program
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 14,589,744
TOTAL INVESTMENTS 14,672,172
Loans Held for Sale 341,705
 
 Real Estate Loans 19,284,446
 Unsecured Loans 294,147
 Other Loans 16,320,197
 TOTAL LOANS 35,898,790
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -178,039
 Land And Building 586,262
 Other Fixed Assets 202,559
 NCUSIF Deposit 587,713
 All Other Assets 4,024,311
  TOTAL ASSETS 70,725,217
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 849,858
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 14,366,480
 Regular shares 28,542,034
 All Other Shares & Deposits 21,708,663
  TOTAL SHARES & DEPOSITS 64,617,177
  TOTAL LIABILITIES 65,467,035
 Regular Reserve 2,124,952
 Other Reserves -530,809
 Undivided Earnings 3,664,039
  TOTAL EQUITY 5,258,182
  TOTAL LIABILITIES, SHARES, & EQUITY 70,725,217
INCOME & EXPENSE  
 Loan Income 358,179
 Investment Income 31,748
 Other Income 67,492
 Total Employee Compensation & Benefits 272,082
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 241,515
 Non-operating Income & (Expense) 71,101
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 10,000
 Cost of Funds 34,272
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 7,479
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