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WJC FEDERAL CREDIT UNION

Mar, 31, 2021 — WJC FEDERAL CREDIT UNION is a federal credit union headquartered in DAMASCUS, VA with 1 branch location and about $5.32 million in total assets. Opened 39 years ago in 1982, WJC FEDERAL CREDIT UNION has about 1,193 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:WJC FEDERAL CREDIT UNION
Address:
(Main Office)
PO BOX 841
DAMASCUS, VA 24236
Phone:(276) 475-5596
Fax:(276) 475-3412
Website:http://wjcfederal.com
Branches:1 branch locations
Members:1,193
Credit Union Type:Federal Credit Union
Charter Number:23938
Membership Type:Community - Rural District
Corporate Credit Union:No
Year Opened:1982
Last Audited:Jun 01, 2019
FHLB Member:No
Low Income Designation:No
Assets:$5,319,186
CEO/Manager:Richard L Finley
Chairperson:Conley Gentry

Call Report

  • Credit Builder
  • Payday Alternative Loans (PAL Loans)

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 590,776
TOTAL INVESTMENTS 19,058
Loans Held for Sale 0
 
 Real Estate Loans 0
 Unsecured Loans 1,561,083
 Other Loans 2,621,894
 TOTAL LOANS 4,182,977
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -41,971
 Land And Building 456,080
 Other Fixed Assets 0
 NCUSIF Deposit 52,214
 All Other Assets 60,052
  TOTAL ASSETS 5,319,186
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 9,064
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 0
 Regular shares 2,851,265
 All Other Shares & Deposits 2,313,736
  TOTAL SHARES & DEPOSITS 5,165,001
  TOTAL LIABILITIES 5,174,065
 Regular Reserve 137,211
 Other Reserves 0
 Undivided Earnings 7,910
  TOTAL EQUITY 145,121
  TOTAL LIABILITIES, SHARES, & EQUITY 5,319,186
INCOME & EXPENSE  
 Loan Income 298,799
 Investment Income -6,214
 Other Income 22,685
 Total Employee Compensation & Benefits 249,325
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 67,132
 Non-operating Income & (Expense) -27,362
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 104,531
 Cost of Funds 47,178
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -180,258
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