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National Credit Union Service Organization

FIRST U.S. COMMUNITY CREDIT UNION

Dec, 31, 2023 — FIRST U.S. COMMUNITY CREDIT UNION is a federally insured state chartered credit union headquartered in SACRAMENTO, CA with 7 branch locations and about $535.93 million in total assets. Opened 88 years ago in 1936, FIRST U.S. COMMUNITY CREDIT UNION has about 28,389 members and employs 75 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: 321175481
Name:FIRST U.S. COMMUNITY CREDIT UNION
Address:
(Main Office)
580 University Ave
SACRAMENTO, CA 95825
Phone:(916) 576-5700
Fax:(916) 561-0345
Website:https://www.firstus.org
Branches:7 branch locations
Members:28,389
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:68474
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1936
Last Audited:Jun 01, 2023
FHLB Member:Yes
Low Income Designation:No
Assets:$535,934,500
CEO/Manager:Shonna Shearson
Chairperson:James Gomes

Call Report

  • First Time Homebuyer Program
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 17,206,729
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 195,324,885
 Unsecured Loans 7,306,803
 Other Loans 143,315,163
 TOTAL LOANS 345,946,851
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -4,092,222
 Land And Building 2,277,921
 Other Fixed Assets 796,390
 NCUSIF Deposit 4,430,002
 All Other Assets 198,603
  TOTAL ASSETS 535,934,500
LIABILITIES & CAPITAL:  
 Dividends Payable 533,368
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 3,657,976
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 99,675,629
 Regular shares 134,550,182
 All Other Shares & Deposits 244,703,706
  TOTAL SHARES & DEPOSITS 478,929,517
  TOTAL LIABILITIES 483,120,861
 Regular Reserve 0
 Other Reserves -1,735,334
 Undivided Earnings 54,548,973
  TOTAL EQUITY 52,813,639
  TOTAL LIABILITIES, SHARES, & EQUITY 535,934,500
INCOME & EXPENSE  
 Loan Income 14,290,473
 Investment Income 4,102,050
 Other Income 1,340,814
 Total Employee Compensation & Benefits 7,460,164
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 6,462,904
 Non-operating Income & (Expense) -69
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 1,433,021
 Cost of Funds 4,594,785
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 2,662,289
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