Dec, 31, 2023 — POSTAL & COMMUNITY CREDIT UNION is a federally insured state chartered credit union headquartered in SAINT JOSEPH, MO with 2 branch locations and about $77.24 million in total assets. Opened 102 years ago in 1922, POSTAL & COMMUNITY CREDIT UNION has about 10,874 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: | POSTAL & COMMUNITY CREDIT UNION |
|---|---|
| Address: (Main Office) | 3921 Oakland Ave SAINT JOSEPH, MO 64506 |
| Phone: | (816) 279-5656 |
| Fax: | (816) 279-5660 |
| Website: | https://www.yourpccu.org |
| Branches: | 2 branch locations |
| Members: | 10,874 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 64145 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1922 |
| Last Audited: | Dec 01, 2023 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $77,240,800 |
| CEO/Manager: | James Spafford |
| Chairperson: | Joe Mistek |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,865,487 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 8,934,452 |
| Unsecured Loans | 1,645,935 |
| Other Loans | 46,212,474 |
| TOTAL LOANS | 56,792,861 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -201,127 |
| Land And Building | 622,956 |
| Other Fixed Assets | 84,304 |
| NCUSIF Deposit | 687,045 |
| All Other Assets | 0 |
| TOTAL ASSETS | 77,240,800 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 39,154 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 111,624 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 9,873,108 |
| Regular shares | 34,279,330 |
| All Other Shares & Deposits | 25,971,283 |
| TOTAL SHARES & DEPOSITS | 70,123,721 |
| TOTAL LIABILITIES | 70,274,499 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 6,966,301 |
| TOTAL EQUITY | 6,966,301 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 77,240,800 |
| INCOME & EXPENSE | |
| Loan Income | 2,531,522 |
| Investment Income | 577,480 |
| Other Income | 312,509 |
| Total Employee Compensation & Benefits | 795,235 |
| NCUSIF Premiums Expense | 0 |
| Total Other Operating Expenses | 1,337,048 |
| Non-operating Income & (Expense) | 12,930 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 152,154 |
| Cost of Funds | 713,145 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 707,669 |
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