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GARDINER FEDERAL CREDIT UNION

Dec, 31, 2023 — GARDINER FEDERAL CREDIT UNION is a federal credit union headquartered in GARDINER, ME with 1 branch location and about $81.31 million in total assets. Opened 71 years ago in 1953, GARDINER FEDERAL CREDIT UNION has about 5,143 members and employs 14 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:GARDINER FEDERAL CREDIT UNION
Address:
(Main Office)
420 Brunswick Ave
GARDINER, ME 04345-2836
Phone:(207) 582-2676
Fax:(207) 582-3108
Website:https://gardinerfcu.org
Branches:1 branch locations
Members:5,143
Credit Union Type:Federal Credit Union
Charter Number:8367
Membership Type:Community credit unions, urban or rural, other than those designated 'low income'
Corporate Credit Union:No
Year Opened:1953
Last Audited:Aug 01, 2023
FHLB Member:No
Low Income Designation:No
Assets:$81,306,660
CEO/Manager:Vicki L Larrabee
Chairperson:Jeanne M Frost

Call Report

  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 8,883,745
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 15,170,879
 Unsecured Loans 2,769,251
 Other Loans 25,232,242
 TOTAL LOANS 45,933,329
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -98,568
 Land And Building 1,596,316
 Other Fixed Assets 39,518
 NCUSIF Deposit 685,807
 All Other Assets 0
  TOTAL ASSETS 81,306,660
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 418,225
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 10,726,724
 Regular shares 44,740,627
 All Other Shares & Deposits 13,727,891
  TOTAL SHARES & DEPOSITS 69,195,242
  TOTAL LIABILITIES 69,613,467
 Regular Reserve 0
 Other Reserves 0
 Undivided Earnings 11,693,193
  TOTAL EQUITY 11,693,193
  TOTAL LIABILITIES, SHARES, & EQUITY 81,306,660
INCOME & EXPENSE  
 Loan Income 2,509,529
 Investment Income 1,185,967
 Other Income 308,385
 Total Employee Compensation & Benefits 962,844
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 1,258,188
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 0
 Cost of Funds 625,110
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 1,706,464
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