Sep, 30, 2025 — ARMCO CREDIT UNION is a federally insured state chartered credit union headquartered in BUTLER, PA with 5 branch locations and about $700.54 million in total assets. Opened 91 years ago in 1935, ARMCO CREDIT UNION has about 45,634 members and employs 109 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ARMCO CREDIT UNION |
|---|---|
| Address: (Main Office) | 101 Hollywood Dr BUTLER, PA 16001-7607 |
| Phone: | (724) 284-2020 |
| Fax: | (724) 285-6158 |
| Website: | https://www.armcocu.com |
| Branches: | 5 branch locations |
| Members: | 45,634 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 65291 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1935 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $700,537,600 |
| CEO/Manager: | Randall W Cypher |
| Chairperson: | John D Gibson Jr. |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 192,120,213 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 247,862,083 |
| Unsecured Loans | 28,685,751 |
| Other Loans | 180,672,858 |
| TOTAL LOANS | 460,180,326 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -4,439,989 |
| Land And Building | 12,897,723 |
| Other Fixed Assets | 887,587 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 5,836,925 |
| All Other Assets | 0 |
| TOTAL ASSETS | 700,537,600 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 968,822 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 3,017,383 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 89,798,407 |
| Regular shares | 297,517,504 |
| All Other Shares & Deposits | 219,588,469 |
| TOTAL SHARES & DEPOSITS | 606,904,380 |
| TOTAL LIABILITIES | 611,282,970 |
| Regular Reserve | 0 |
| Other Reserves | 303,233 |
| Undivided Earnings | 88,951,397 |
| TOTAL EQUITY | 89,254,630 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 700,537,600 |
| INCOME & EXPENSE | |
| Loan Income | 17,235,732 |
| Investment Income | 5,721,249 |
| Other Income | 3,165,646 |
| Total Employee Compensation & Benefits | 7,479,635 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 5,590,803 |
| Non-operating Income & (Expense) | 261,875 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 476,108 |
| Cost of Funds | 9,085,985 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 4,592,802 |
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