Sep, 30, 2025 — RURAL COOPERATIVES CREDIT UNION is a federally insured state chartered credit union headquartered in LOUISVILLE, KY with 2 branch locations and about $34.12 million in total assets. Opened 62 years ago in 1964, RURAL COOPERATIVES CREDIT UNION has about 3,176 members and employs 11 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | RURAL COOPERATIVES CREDIT UNION |
|---|---|
| Address: (Main Office) | 1630 Lyndon Farm Ct Ste 201 LOUISVILLE, KY 40223 |
| Phone: | (800) 798-7228 |
| Fax: | (502) 456-4336 |
| Website: | https://www.rccu.com |
| Branches: | 2 branch locations |
| Members: | 3,176 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 61693 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1964 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $34,119,285 |
| CEO/Manager: | Larry J Bischoff |
| Chairperson: | Jennie Phelps |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,811,253 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 168,275 |
| Unsecured Loans | 1,531,618 |
| Other Loans | 8,973,578 |
| TOTAL LOANS | 10,673,470 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -48,425 |
| Land And Building | 0 |
| Other Fixed Assets | 98,070 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 286,677 |
| All Other Assets | 0 |
| TOTAL ASSETS | 34,119,285 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 37,765 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 180,307 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 6,092,916 |
| Regular shares | 15,307,547 |
| All Other Shares & Deposits | 8,040,782 |
| TOTAL SHARES & DEPOSITS | 29,441,245 |
| TOTAL LIABILITIES | 29,659,317 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 4,459,968 |
| TOTAL EQUITY | 4,459,968 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 34,119,285 |
| INCOME & EXPENSE | |
| Loan Income | 604,082 |
| Investment Income | 474,489 |
| Other Income | 70,414 |
| Total Employee Compensation & Benefits | 684,558 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 416,627 |
| Non-operating Income & (Expense) | 887 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 3,143 |
| Cost of Funds | 139,128 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 59,520 |
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