Sep, 30, 2025 — CELCO COMMUNITY FEDERAL CREDIT UNION is a federal credit union headquartered in NARROWS, VA with 3 branch locations and about $141.51 million in total assets. Opened 70 years ago in 1956, CELCO COMMUNITY FEDERAL CREDIT UNION has about 7,297 members and employs 22 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | CELCO COMMUNITY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 3381 VIRGINIA AVE NARROWS, VA 24124 |
| Phone: | (540) 921-2700 |
| Fax: | (540) 921-4653 |
| Website: | https://www.celcofcu.org |
| Branches: | 3 branch locations |
| Members: | 7,297 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 11254 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1956 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $141,506,700 |
| CEO/Manager: | DEAN M MARSHALL |
| Chairperson: | JEFFREY L MORRIS |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 16,148,197 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 35,469,430 |
| Unsecured Loans | 6,227,877 |
| Other Loans | 25,048,855 |
| TOTAL LOANS | 74,310,999 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -816,805 |
| Land And Building | 1,134,506 |
| Other Fixed Assets | 116,392 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,073,057 |
| All Other Assets | 59,987 |
| TOTAL ASSETS | 141,506,700 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 464,538 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 17,902,172 |
| Regular shares | 92,870,560 |
| All Other Shares & Deposits | 3,438,005 |
| TOTAL SHARES & DEPOSITS | 114,210,737 |
| TOTAL LIABILITIES | 114,675,275 |
| Regular Reserve | 0 |
| Other Reserves | -1,687,185 |
| Undivided Earnings | 28,518,610 |
| TOTAL EQUITY | 26,831,425 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 141,506,700 |
| INCOME & EXPENSE | |
| Loan Income | 3,308,316 |
| Investment Income | 1,031,306 |
| Other Income | 839,625 |
| Total Employee Compensation & Benefits | 1,743,340 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,543,951 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 126,000 |
| Cost of Funds | 684,569 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,194,167 |
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