Sep, 30, 2025 — WHITE RIVER CREDIT UNION is a federally insured state chartered credit union headquartered in ROCHESTER, VT with 3 branch locations and about $53.22 million in total assets. Opened 79 years ago in 1947, WHITE RIVER CREDIT UNION has about 3,925 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: | WHITE RIVER CREDIT UNION |
|---|---|
| Address: (Main Office) | 96 N Main St ROCHESTER, VT 05767-9704 |
| Phone: | (802) 767-3333 |
| Fax: | (802) 767-3046 |
| Website: | https://www.whitercu.com |
| Branches: | 3 branch locations |
| Members: | 3,925 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 64421 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1947 |
| Last Audited: | Aug 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $53,218,687 |
| CEO/Manager: | Wanda H Dunham |
| Chairperson: | Andrew P West |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 10,262,828 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 14,104,640 |
| Unsecured Loans | 1,784,843 |
| Other Loans | 15,082,848 |
| TOTAL LOANS | 30,972,331 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -99,298 |
| Land And Building | 685,778 |
| Other Fixed Assets | 47,968 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 421,163 |
| All Other Assets | 0 |
| TOTAL ASSETS | 53,218,687 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 3 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 487,871 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 9,952,008 |
| Regular shares | 24,251,767 |
| All Other Shares & Deposits | 12,052,083 |
| TOTAL SHARES & DEPOSITS | 46,255,857 |
| TOTAL LIABILITIES | 46,746,441 |
| Regular Reserve | 0 |
| Other Reserves | 727,857 |
| Undivided Earnings | 5,744,389 |
| TOTAL EQUITY | 6,472,246 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 53,218,687 |
| INCOME & EXPENSE | |
| Loan Income | 1,611,215 |
| Investment Income | 556,011 |
| Other Income | 301,342 |
| Total Employee Compensation & Benefits | 679,647 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 933,788 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 25,423 |
| Cost of Funds | 298,292 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 592,427 |
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