Sep, 30, 2025 — FAIRMONT FEDERAL CREDIT UNION is a federal credit union headquartered in FAIRMONT, WV with 9 branch locations and about $562.47 million in total assets. Opened 87 years ago in 1939, FAIRMONT FEDERAL CREDIT UNION has about 45,297 members and employs 112 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FAIRMONT FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2 The Credit Union Way FAIRMONT, WV 26554-1567 |
| Phone: | (304) 363-5320 |
| Fax: | (304) 363-5470 |
| Website: | https://www.fairmontfcu.com |
| Branches: | 9 branch locations |
| Members: | 45,297 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 3439 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1939 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $562,474,071 |
| CEO/Manager: | Cindy B Dickey |
| Chairperson: | Walter L Osborne |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 75,152,623 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 187,404,069 |
| Unsecured Loans | 4,374,497 |
| Other Loans | 176,096,282 |
| TOTAL LOANS | 368,321,269 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,117,907 |
| Land And Building | 12,139,226 |
| Other Fixed Assets | 1,019,855 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 4,604,382 |
| All Other Assets | 83,967 |
| TOTAL ASSETS | 562,474,071 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 223,804 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 6,261,638 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 148,388,781 |
| Regular shares | 230,538,270 |
| All Other Shares & Deposits | 127,740,443 |
| TOTAL SHARES & DEPOSITS | 506,667,494 |
| TOTAL LIABILITIES | 513,152,936 |
| Regular Reserve | 0 |
| Other Reserves | -5,360,895 |
| Undivided Earnings | 54,682,030 |
| TOTAL EQUITY | 49,321,135 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 562,474,071 |
| INCOME & EXPENSE | |
| Loan Income | 12,145,285 |
| Investment Income | 4,713,389 |
| Other Income | 1,383,444 |
| Total Employee Compensation & Benefits | 6,428,514 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 6,924,510 |
| Non-operating Income & (Expense) | 51,308 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 292,833 |
| Cost of Funds | 4,494,238 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 3,764,426 |
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