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GEORGIA UNITED CREDIT UNION

Mar, 31, 2022 — GEORGIA UNITED CREDIT UNION is a federally insured state chartered credit union headquartered in DULUTH, GA with 12 branch locations and about $1.94 billion in total assets. Opened 64 years ago in 1958, GEORGIA UNITED CREDIT UNION has about 171,732 members and employs 332 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: 261171309
Name:GEORGIA UNITED CREDIT UNION
Address:
(Main Office)
6705 Sugarloaf Pkwy
DULUTH, GA 30097-4356
Phone:(770) 476-6400
Fax:(770) 476-6433
Website:http://www.gucu.org
Branches:12 branch locations
Members:171,732
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:68607
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1958
Last Audited:Dec 01, 2021
FHLB Member:Yes
Low Income Designation:No
Assets:$1,941,991,370
CEO/Manager:Debbie W Smith
Chairperson:Tom S Dickson

Call Report

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

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 158,770,714
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 787,248,604
 Unsecured Loans 91,300,992
 Other Loans 482,092,593
 TOTAL LOANS 1,360,642,189
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -9,084,003
 Land And Building 27,519,948
 Other Fixed Assets 6,450,594
 NCUSIF Deposit 15,593,277
 All Other Assets 189,013
  TOTAL ASSETS 1,941,991,370
LIABILITIES & CAPITAL:  
 Dividends Payable 166,986
 Notes & Interest Payable 25,000,000
 Accounts Payable & Other Liabilities 31,700,917
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 395,658,162
 Regular shares 758,956,919
 All Other Shares & Deposits 583,059,426
  TOTAL SHARES & DEPOSITS 1,737,674,507
  TOTAL LIABILITIES 1,794,542,410
 Regular Reserve 0
 Other Reserves 4,679,925
 Undivided Earnings 142,769,035
  TOTAL EQUITY 147,448,960
  TOTAL LIABILITIES, SHARES, & EQUITY 1,941,991,370
INCOME & EXPENSE  
 Loan Income 12,547,542
 Investment Income 696,692
 Other Income 2,619,215
 Total Employee Compensation & Benefits 7,879,520
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 7,363,186
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 600,000
 Cost of Funds 841,749
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 3,602,832
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