Sep, 30, 2025 — BULL DOG FEDERAL CREDIT UNION is a federal credit union headquartered in HAGERSTOWN, MD with 6 branch locations and about $235.20 million in total assets. Opened 58 years ago in 1968, BULL DOG FEDERAL CREDIT UNION has about 21,191 members and employs 53 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | BULL DOG FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 580 Northern Ave HAGERSTOWN, MD 21742 |
| Phone: | (301) 797-6318 |
| Fax: | (240) 420-2000 |
| Website: | https://www.bdfcu.com |
| Branches: | 6 branch locations |
| Members: | 21,191 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 18868 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1968 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $235,198,841 |
| CEO/Manager: | Stacy D Wright |
| Chairperson: | Victor Krondstadt |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 15,024,247 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 21,405,865 |
| Unsecured Loans | 13,963,885 |
| Other Loans | 50,553,473 |
| TOTAL LOANS | 86,088,823 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,256,235 |
| Land And Building | 3,143,723 |
| Other Fixed Assets | 462,328 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 2,023,294 |
| All Other Assets | 99,247 |
| TOTAL ASSETS | 235,198,841 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 3,253,870 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 55,857,140 |
| Regular shares | 146,813,831 |
| All Other Shares & Deposits | 11,578,179 |
| TOTAL SHARES & DEPOSITS | 214,249,149 |
| TOTAL LIABILITIES | 217,525,006 |
| Regular Reserve | 0 |
| Other Reserves | -7,180,717 |
| Undivided Earnings | 24,854,552 |
| TOTAL EQUITY | 17,673,835 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 235,198,841 |
| INCOME & EXPENSE | |
| Loan Income | 4,586,999 |
| Investment Income | 3,233,983 |
| Other Income | 2,174,335 |
| Total Employee Compensation & Benefits | 2,511,308 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 3,400,624 |
| Non-operating Income & (Expense) | 150 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 882,901 |
| Cost of Funds | 1,410,280 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 2,125,058 |
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