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JOY EMPLOYEES FEDERAL CREDIT UNION

Jun, 30, 2021 — JOY EMPLOYEES FEDERAL CREDIT UNION is a federal credit union headquartered in Bluefield, WV with 1 branch location and about $1.32 million in total assets. Opened 52 years ago in 1969, JOY EMPLOYEES FEDERAL CREDIT UNION has about 229 members offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:JOY EMPLOYEES FEDERAL CREDIT UNION
Address:
(Main Office)
P.O. Box 622
Bluefield, WV 24701
Phone:(276) 322-5454
Fax:(276) 322-1235
Website:n/a
Branches:1 branch locations
Members:229
Credit Union Type:Federal Credit Union
Charter Number:19158
Membership Type:Manufacturing - Machinery
Corporate Credit Union:No
Year Opened:1969
Last Audited:Dec 01, 2020
FHLB Member:No
Low Income Designation:No
Assets:$1,323,574
CEO/Manager:Jerry D Gallogly Jr
Chairperson:Steve C Chaffin

Call Report

  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 741,121
TOTAL INVESTMENTS 9,449
Loans Held for Sale 0
 
 Real Estate Loans 0
 Unsecured Loans 83,586
 Other Loans 619,824
 TOTAL LOANS 703,410
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -150,738
 Land And Building 0
 Other Fixed Assets 0
 NCUSIF Deposit 13,852
 All Other Assets 6,480
  TOTAL ASSETS 1,323,574
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 649
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 0
 Regular shares 1,036,467
 All Other Shares & Deposits 0
  TOTAL SHARES & DEPOSITS 1,036,467
  TOTAL LIABILITIES 1,037,116
 Regular Reserve 13,265
 Other Reserves 0
 Undivided Earnings 273,193
  TOTAL EQUITY 286,458
  TOTAL LIABILITIES, SHARES, & EQUITY 1,323,574
INCOME & EXPENSE  
 Loan Income 21,770
 Investment Income 19
 Other Income 0
 Total Employee Compensation & Benefits 8,645
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 15,490
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 0
 Cost of Funds 2,662
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -4,755
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