Dec, 31, 2023 — EMERY FEDERAL CREDIT UNION is a federal credit union headquartered in CINCINNATI, OH with 3 branch locations and about $192.69 million in total assets. Opened 85 years ago in 1939, EMERY FEDERAL CREDIT UNION has about 13,032 members and employs 43 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | EMERY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 7890 E Kemper Rd CINCINNATI, OH 45249-1656 |
| Phone: | (513) 530-9351 |
| Fax: | (513) 530-9357 |
| Website: | https://www.emeryfcu.org |
| Branches: | 3 branch locations |
| Members: | 13,032 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 3360 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1939 |
| Last Audited: | Dec 01, 2022 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $192,685,872 |
| CEO/Manager: | Doug Pohlman |
| Chairperson: | Robert J Van Lear |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 4,334,572 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 103,777,647 |
| Unsecured Loans | 8,750,138 |
| Other Loans | 42,236,392 |
| TOTAL LOANS | 154,764,178 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -674,541 |
| Land And Building | 4,158,686 |
| Other Fixed Assets | 155,166 |
| NCUSIF Deposit | 1,602,261 |
| All Other Assets | 0 |
| TOTAL ASSETS | 192,685,872 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 7,000,000 |
| Accounts Payable & Other Liabilities | 3,638,616 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 22,698,531 |
| Regular shares | 46,354,979 |
| All Other Shares & Deposits | 95,298,777 |
| TOTAL SHARES & DEPOSITS | 164,352,287 |
| TOTAL LIABILITIES | 174,990,903 |
| Regular Reserve | 0 |
| Other Reserves | 2,927,740 |
| Undivided Earnings | 14,767,229 |
| TOTAL EQUITY | 17,694,969 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 192,685,872 |
| INCOME & EXPENSE | |
| Loan Income | 7,261,412 |
| Investment Income | 788,785 |
| Other Income | 784,541 |
| Total Employee Compensation & Benefits | 3,119,104 |
| NCUSIF Premiums Expense | 0 |
| Total Other Operating Expenses | 3,089,155 |
| Non-operating Income & (Expense) | 111,788 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 402,017 |
| Cost of Funds | 2,731,785 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 734,903 |
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