Dec, 31, 2021 — VALLEY BOARD FEDERAL CREDIT UNION is a federal credit union headquartered in HARPERS FERRY, WV with 1 branch location and about $98,854 in total assets. Opened 62 years ago in 1960, VALLEY BOARD FEDERAL CREDIT UNION has about 55 members offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
Name: | VALLEY BOARD FEDERAL CREDIT UNION |
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Address: (Main Office) | 164 Eyster Rd HARPERS FERRY, WV 25425 |
Phone: | (304) 725-2076 |
Fax: | (304) 728-7544 |
Website: | n/a |
Branches: | 1 branch locations |
Members: | 55 |
Credit Union Type: | Federal Credit Union |
Charter Number: | 14045 |
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Membership Type: | Manufacturing - All Other |
Corporate Credit Union: | No |
Year Opened: | 1960 |
Last Audited: | Apr 01, 2021 |
FHLB Member: | No |
Low Income Designation: | No |
Assets: | $98,854 |
CEO/Manager: | Robin L Carroll |
Chairperson: | Loretta J Fritz |
ASSETS: | $ Amount |
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Cash & Equivalents | 36,061 |
TOTAL INVESTMENTS | 18,549 |
Loans Held for Sale | 0 |
Real Estate Loans | 0 |
Unsecured Loans | 18,811 |
Other Loans | 27,463 |
TOTAL LOANS | 46,274 |
(Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -4,378 |
Land And Building | 0 |
Other Fixed Assets | 0 |
NCUSIF Deposit | 1,185 |
All Other Assets | 1,163 |
TOTAL ASSETS | 98,854 |
LIABILITIES & CAPITAL: | |
Dividends Payable | 0 |
Notes & Interest Payable | 0 |
Accounts Payable & Other Liabilities | 1,721 |
Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
Share Drafts | 0 |
Regular shares | 80,796 |
All Other Shares & Deposits | 0 |
TOTAL SHARES & DEPOSITS | 80,796 |
TOTAL LIABILITIES | 82,517 |
Regular Reserve | 16,337 |
Other Reserves | 0 |
Undivided Earnings | 0 |
TOTAL EQUITY | 16,337 |
TOTAL LIABILITIES, SHARES, & EQUITY | 98,854 |
INCOME & EXPENSE | |
Loan Income | 6,822 |
Investment Income | 350 |
Other Income | 385 |
Total Employee Compensation & Benefits | 10,716 |
NCUSIF Premiums Expense | 0 |
Total Other Operating Expenses | 2,785 |
Non-operating Income & (Expense) | 0 |
NCUSIF Stabilization Income | N/A |
Provision for Loan/Lease Losses or Total Credit Loss Expense | 3,332 |
Cost of Funds | 571 |
NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
Net Income (Loss) | -9,847 |
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