Sep, 30, 2025 — KEMBA CHARLESTON FEDERAL CREDIT UNION is a federal credit union headquartered in DUNBAR, WV with 1 branch location and about $44.95 million in total assets. Opened 91 years ago in 1935, KEMBA CHARLESTON FEDERAL CREDIT UNION has about 3,922 members and employs 8 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | KEMBA CHARLESTON FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1830 Roxalana Rd DUNBAR, WV 25064-2705 |
| Phone: | (304) 768-5700 |
| Fax: | (304) 768-5899 |
| Website: | https://www.kembacharlestonfcu.org |
| Branches: | 1 branch locations |
| Members: | 3,922 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 108 |
|---|---|
| Membership Type: | Multiple common bond - other |
| Corporate Credit Union: | No |
| Year Opened: | 1935 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $44,953,689 |
| CEO/Manager: | Joetta S Heck |
| Chairperson: | Calvin Holden |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,293,896 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 1,755,067 |
| Unsecured Loans | 678,964 |
| Other Loans | 12,279,752 |
| TOTAL LOANS | 14,713,783 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -202,890 |
| Land And Building | 493,248 |
| Other Fixed Assets | 49,442 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 350,105 |
| All Other Assets | 0 |
| TOTAL ASSETS | 44,953,689 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 180,255 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 319,276 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 4,595,993 |
| Regular shares | 14,250,222 |
| All Other Shares & Deposits | 16,558,850 |
| TOTAL SHARES & DEPOSITS | 35,405,064 |
| TOTAL LIABILITIES | 35,904,595 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 9,049,094 |
| TOTAL EQUITY | 9,049,094 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 44,953,689 |
| INCOME & EXPENSE | |
| Loan Income | 653,890 |
| Investment Income | 586,977 |
| Other Income | 54,155 |
| Total Employee Compensation & Benefits | 456,374 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 435,319 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 7,500 |
| Cost of Funds | 278,002 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 219,371 |
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