Sep, 30, 2025 — YOUR HOMETOWN FEDERAL CREDIT UNION is a federal credit union headquartered in MAYFIELD, KY with 1 branch location and about $27.74 million in total assets. Opened 61 years ago in 1965, YOUR HOMETOWN FEDERAL CREDIT UNION has about 2,499 members and employs 7 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | YOUR HOMETOWN FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2338 State Route 45 N MAYFIELD, KY 42066 |
| Phone: | (270) 247-6458 |
| Fax: | (270) 247-8316 |
| Website: | https://www.yourhometownfcu.org |
| Branches: | 1 branch locations |
| Members: | 2,499 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 16702 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1965 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $27,737,611 |
| CEO/Manager: | Steve Ladd |
| Chairperson: | Denise Wooley |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 6,897,347 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 6,741,836 |
| Unsecured Loans | 460,681 |
| Other Loans | 3,902,850 |
| TOTAL LOANS | 11,105,366 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -137,932 |
| Land And Building | 44,903 |
| Other Fixed Assets | 62,869 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 232,554 |
| All Other Assets | 0 |
| TOTAL ASSETS | 27,737,611 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 116,505 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | -279,743 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 6,198,838 |
| Regular shares | 12,412,833 |
| All Other Shares & Deposits | 6,820,033 |
| TOTAL SHARES & DEPOSITS | 25,431,703 |
| TOTAL LIABILITIES | 25,268,465 |
| Regular Reserve | 0 |
| Other Reserves | 3,300 |
| Undivided Earnings | 2,465,846 |
| TOTAL EQUITY | 2,469,146 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 27,737,611 |
| INCOME & EXPENSE | |
| Loan Income | 536,578 |
| Investment Income | 441,499 |
| Other Income | 142,589 |
| Total Employee Compensation & Benefits | 175,885 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 791,012 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 58,320 |
| Cost of Funds | 252,660 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -152,408 |
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