WAYCOSE FEDERAL CREDIT UNION is no longer an active credit union according to the NCUA. If available, you can view their website at https://www.waycosefcu.com for more information.
Sep, 30, 2025 — WAYCOSE FEDERAL CREDIT UNION is a federal credit union headquartered in Huntington, WV with 1 branch location and about $3.33 million in total assets. Opened 44 years ago in 1982, WAYCOSE FEDERAL CREDIT UNION has about 1,008 members and employs 5 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | WAYCOSE FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1012 Thornburg St Huntington, WV 25701-3018 |
| Phone: | (304) 429-1213 |
| Fax: | (304) 429-5998 |
| Website: | https://www.waycosefcu.com |
| Branches: | 1 branch locations |
| Members: | 1,008 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 24792 |
|---|---|
| Membership Type: | Educational |
| Corporate Credit Union: | No |
| Year Opened: | 1982 |
| Last Audited: | May 01, 2021 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $3,333,979 |
| CEO/Manager: | Tracy L Foster |
| Chairperson: | Phil Alexander |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 127,772 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 636,705 |
| Other Loans | 1,527,100 |
| TOTAL LOANS | 2,163,805 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -21,718 |
| Land And Building | 52 |
| Other Fixed Assets | 0 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 31,477 |
| All Other Assets | 0 |
| TOTAL ASSETS | 3,333,979 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 4,363 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 368 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 208,491 |
| Regular shares | 2,601,313 |
| All Other Shares & Deposits | 24,776 |
| TOTAL SHARES & DEPOSITS | 2,834,580 |
| TOTAL LIABILITIES | 2,839,311 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 494,668 |
| TOTAL EQUITY | 494,668 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 3,333,979 |
| INCOME & EXPENSE | |
| Loan Income | 110,883 |
| Investment Income | 7,840 |
| Other Income | 2,274 |
| Total Employee Compensation & Benefits | 44,500 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 52,538 |
| Non-operating Income & (Expense) | 1,209 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 9,000 |
| Cost of Funds | 9,996 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 6,172 |
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