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CLARITY CREDIT UNION

Dec, 31, 2023 — CLARITY CREDIT UNION is a federally insured state chartered credit union headquartered in MERIDIAN, ID with 5 branch locations and about $194.42 million in total assets. Opened 76 years ago in 1948, CLARITY CREDIT UNION has about 17,960 members and employs 50 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:CLARITY CREDIT UNION
Address:
(Main Office)
1880 S Cobalt Point Way
MERIDIAN, ID 83642
Phone:(208) 437-6583
Fax:(208) 466-0049
Website:https://www.claritycu.com
Branches:5 branch locations
Members:17,960
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:68295
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1948
Last Audited:Mar 01, 2023
FHLB Member:No
Low Income Designation:No
Assets:$194,416,178
CEO/Manager:Wendy Edwards
Chairperson:Brett Spencer

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Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 26,536,917
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 38,514,597
 Unsecured Loans 10,588,600
 Other Loans 80,672,761
 TOTAL LOANS 129,775,958
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -911,052
 Land And Building 9,512,927
 Other Fixed Assets 538,967
 NCUSIF Deposit 1,527,384
 All Other Assets 0
  TOTAL ASSETS 194,416,178
LIABILITIES & CAPITAL:  
 Dividends Payable 186,843
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 2,671,617
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 2,305,000
 Share Drafts 38,947,138
 Regular shares 80,655,270
 All Other Shares & Deposits 53,979,504
  TOTAL SHARES & DEPOSITS 173,581,912
  TOTAL LIABILITIES 178,749,642
 Regular Reserve 0
 Other Reserves 1,121,890
 Undivided Earnings 14,544,646
  TOTAL EQUITY 15,666,536
  TOTAL LIABILITIES, SHARES, & EQUITY 194,416,178
INCOME & EXPENSE  
 Loan Income 7,854,961
 Investment Income 1,282,828
 Other Income 1,311,176
 Total Employee Compensation & Benefits 4,249,626
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 4,227,493
 Non-operating Income & (Expense) 293,186
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 841,323
 Cost of Funds 1,845,577
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 2,285,185
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