Sep, 30, 2025 — ROANOKE VALLEY COMMUNITY FEDERAL CREDIT UNION is a federal credit union headquartered in ROANOKE, VA with 4 branch locations and about $101.95 million in total assets. Opened 79 years ago in 1947, ROANOKE VALLEY COMMUNITY FEDERAL CREDIT UNION has about 9,077 members and employs 25 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ROANOKE VALLEY COMMUNITY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 723 5th St NE ROANOKE, VA 24016-2123 |
| Phone: | (540) 982-3931 |
| Fax: | (540) 982-3937 |
| Website: | https://www.rvccu.org |
| Branches: | 4 branch locations |
| Members: | 9,077 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 5604 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1947 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $101,949,839 |
| CEO/Manager: | Pam Duke |
| Chairperson: | Dorothy D Dixon |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 3,362,335 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 40,761,414 |
| Unsecured Loans | 3,218,696 |
| Other Loans | 33,238,123 |
| TOTAL LOANS | 77,218,233 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -206,095 |
| Land And Building | 1,050,919 |
| Other Fixed Assets | 169,700 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 835,119 |
| All Other Assets | 0 |
| TOTAL ASSETS | 101,949,839 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 175,878 |
| Accounts Payable & Other Liabilities | 285,476 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 20,042,131 |
| Regular shares | 56,728,504 |
| All Other Shares & Deposits | 8,376,015 |
| TOTAL SHARES & DEPOSITS | 85,146,650 |
| TOTAL LIABILITIES | 85,608,004 |
| Regular Reserve | 0 |
| Other Reserves | 1,543,968 |
| Undivided Earnings | 14,797,867 |
| TOTAL EQUITY | 16,341,835 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 101,949,839 |
| INCOME & EXPENSE | |
| Loan Income | 3,062,607 |
| Investment Income | 463,610 |
| Other Income | 516,061 |
| Total Employee Compensation & Benefits | 1,283,917 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,387,846 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 79,560 |
| Cost of Funds | 437,267 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,197,211 |
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