Sep, 30, 2025 — APPALACHIAN COMMUNITY FEDERAL CREDIT UNION is a federal credit union headquartered in KINGSPORT, TN with 6 branch locations and about $179.49 million in total assets. Opened 33 years ago in 1993, APPALACHIAN COMMUNITY FEDERAL CREDIT UNION has about 12,383 members and employs 51 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | APPALACHIAN COMMUNITY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 201 E New St KINGSPORT, TN 37660-4334 |
| Phone: | (423) 378-3778 |
| Fax: | |
| Website: | https://www.myacfcu.org |
| Branches: | 6 branch locations |
| Members: | 12,383 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 24495 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1993 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $179,494,598 |
| CEO/Manager: | Andrew Mullins |
| Chairperson: | Joe Boggs |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 18,000,001 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 105,019,019 |
| Unsecured Loans | 6,032,293 |
| Other Loans | 40,510,872 |
| TOTAL LOANS | 152,555,313 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,347,729 |
| Land And Building | 5,203,890 |
| Other Fixed Assets | 583,259 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,385,913 |
| All Other Assets | 5,248 |
| TOTAL ASSETS | 179,494,598 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 2,780 |
| Notes & Interest Payable | 342,857 |
| Accounts Payable & Other Liabilities | 761,985 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 1,371,429 |
| Share Drafts | 27,718,635 |
| Regular shares | 34,840,127 |
| All Other Shares & Deposits | 96,497,237 |
| TOTAL SHARES & DEPOSITS | 159,055,999 |
| TOTAL LIABILITIES | 161,535,050 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 17,959,548 |
| TOTAL EQUITY | 17,959,548 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 179,494,598 |
| INCOME & EXPENSE | |
| Loan Income | 7,325,511 |
| Investment Income | 356,559 |
| Other Income | 2,107,650 |
| Total Employee Compensation & Benefits | 2,845,061 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,968,367 |
| Non-operating Income & (Expense) | 376,959 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 252,127 |
| Cost of Funds | 2,958,583 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,127,934 |
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