Sep, 30, 2025 — GUCO CREDIT UNION is a federally insured state chartered credit union headquartered in GREENVILLE, NC with 1 branch location and about $9.70 million in total assets. Opened 56 years ago in 1970, GUCO CREDIT UNION has about 1,390 members and employs 3 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | GUCO CREDIT UNION |
|---|---|
| Address: (Main Office) | 523 Evans St GREENVILLE, NC 27858-2311 |
| Phone: | (252) 551-1599 |
| Fax: | (252) 758-2831 |
| Website: | https://www.gucocreditunion.org |
| Branches: | 1 branch locations |
| Members: | 1,390 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 62985 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1970 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $9,704,393 |
| CEO/Manager: | ELIZABETH A WATERS |
| Chairperson: | Tony L Smart |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,976,749 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 836,589 |
| Other Loans | 5,712,300 |
| TOTAL LOANS | 6,548,890 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -18,281 |
| Land And Building | 0 |
| Other Fixed Assets | 7,461 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 74,696 |
| All Other Assets | 0 |
| TOTAL ASSETS | 9,704,393 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 17,885 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 126,198 |
| Regular shares | 3,141,808 |
| All Other Shares & Deposits | 4,607,669 |
| TOTAL SHARES & DEPOSITS | 7,875,675 |
| TOTAL LIABILITIES | 7,893,560 |
| Regular Reserve | 0 |
| Other Reserves | 235,073 |
| Undivided Earnings | 1,575,760 |
| TOTAL EQUITY | 1,810,833 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 9,704,393 |
| INCOME & EXPENSE | |
| Loan Income | 302,549 |
| Investment Income | 99,106 |
| Other Income | 4,680 |
| Total Employee Compensation & Benefits | 179,927 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 133,523 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 10,600 |
| Cost of Funds | 59,705 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 29,143 |
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