Sep, 30, 2025 — ONE COMMUNITY FEDERAL CREDIT UNION is a federal credit union headquartered in PARKERSBURG, WV with 2 branch locations and about $107.06 million in total assets. Opened 68 years ago in 1958, ONE COMMUNITY FEDERAL CREDIT UNION has about 8,362 members and employs 31 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ONE COMMUNITY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 531 5th St PARKERSBURG, WV 26101 |
| Phone: | (304) 865-0439 |
| Fax: | (304) 485-1591 |
| Website: | https://www.onecommunityfcu.net |
| Branches: | 2 branch locations |
| Members: | 8,362 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 12143 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1958 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $107,064,310 |
| CEO/Manager: | Steven F Napier |
| Chairperson: | Timothy A Bibbee |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 11,379,577 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 15,765,427 |
| Unsecured Loans | 5,182,064 |
| Other Loans | 53,492,583 |
| TOTAL LOANS | 74,440,074 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,348,564 |
| Land And Building | 4,769,684 |
| Other Fixed Assets | 441,922 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 970,552 |
| All Other Assets | 78,776 |
| TOTAL ASSETS | 107,064,310 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 569,305 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 18,214,233 |
| Regular shares | 59,681,303 |
| All Other Shares & Deposits | 17,732,184 |
| TOTAL SHARES & DEPOSITS | 95,627,720 |
| TOTAL LIABILITIES | 96,197,025 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 10,867,285 |
| TOTAL EQUITY | 10,867,285 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 107,064,310 |
| INCOME & EXPENSE | |
| Loan Income | 3,598,786 |
| Investment Income | 896,655 |
| Other Income | 506,091 |
| Total Employee Compensation & Benefits | 1,382,650 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,896,374 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,308,659 |
| Cost of Funds | 1,069,312 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -615,001 |
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