Sep, 30, 2025 — SINGING RIVER FEDERAL CREDIT UNION is a federal credit union headquartered in MOSS POINT, MS with 7 branch locations and about $385.36 million in total assets. Opened 73 years ago in 1953, SINGING RIVER FEDERAL CREDIT UNION has about 32,213 members and employs 109 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | SINGING RIVER FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 6006 HIGHWAY 63 MOSS POINT, MS 39563 |
| Phone: | (228) 475-9531 |
| Fax: | (228) 407-1025 |
| Website: | https://www.srfcu.org |
| Branches: | 7 branch locations |
| Members: | 32,213 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 8694 |
|---|---|
| Membership Type: | Multiple common bond - other |
| Corporate Credit Union: | No |
| Year Opened: | 1953 |
| Last Audited: | Jun 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $385,356,732 |
| CEO/Manager: | James B Smith Jr |
| Chairperson: | James A Plowman |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 21,304,992 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 79,541,702 |
| Unsecured Loans | 23,742,854 |
| Other Loans | 216,923,786 |
| TOTAL LOANS | 320,480,988 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -4,114,642 |
| Land And Building | 7,845,272 |
| Other Fixed Assets | 1,476,983 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 2,993,682 |
| All Other Assets | 449,621 |
| TOTAL ASSETS | 385,356,732 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 5,217,234 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 400,000 |
| Share Drafts | 54,266,518 |
| Regular shares | 110,696,027 |
| All Other Shares & Deposits | 173,556,039 |
| TOTAL SHARES & DEPOSITS | 338,518,583 |
| TOTAL LIABILITIES | 344,135,817 |
| Regular Reserve | 0 |
| Other Reserves | 7,887,749 |
| Undivided Earnings | 33,333,166 |
| TOTAL EQUITY | 41,220,915 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 385,356,732 |
| INCOME & EXPENSE | |
| Loan Income | 16,694,010 |
| Investment Income | 1,044,189 |
| Other Income | 3,914,574 |
| Total Employee Compensation & Benefits | 6,616,615 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 6,581,783 |
| Non-operating Income & (Expense) | 36,779 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 4,483,122 |
| Cost of Funds | 4,744,394 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,761,352 |
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