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VALLEY BOARD FEDERAL CREDIT UNION

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
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
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

Call Report

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
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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