Sep, 30, 2025 — VALLEY COMMUNITIES CREDIT UNION is a federally insured state chartered credit union headquartered in MOSINEE, WI with 7 branch locations and about $291.71 million in total assets. Opened 91 years ago in 1935, VALLEY COMMUNITIES CREDIT UNION has about 16,430 members and employs 67 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | VALLEY COMMUNITIES CREDIT UNION |
|---|---|
| Address: (Main Office) | 888 State Highway 153 MOSINEE, WI 54455-9684 |
| Phone: | (715) 693-3400 |
| Fax: | |
| Website: | https://www.valleycommunities.org |
| Branches: | 7 branch locations |
| Members: | 16,430 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 66430 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1935 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $291,710,417 |
| CEO/Manager: | Kelly Hladovcak |
| Chairperson: | Elizabeth Jakusz |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 51,165,815 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 104,088,534 |
| Unsecured Loans | 3,213,645 |
| Other Loans | 46,413,297 |
| TOTAL LOANS | 155,843,516 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -592,558 |
| Land And Building | 6,617,523 |
| Other Fixed Assets | 530,474 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 2,270,202 |
| All Other Assets | 7,808 |
| TOTAL ASSETS | 291,710,417 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 3,343,518 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 44,925,077 |
| Regular shares | 102,258,388 |
| All Other Shares & Deposits | 103,444,887 |
| TOTAL SHARES & DEPOSITS | 250,628,351 |
| TOTAL LIABILITIES | 253,971,869 |
| Regular Reserve | 0 |
| Other Reserves | 4,468,936 |
| Undivided Earnings | 33,269,612 |
| TOTAL EQUITY | 37,738,548 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 291,710,417 |
| INCOME & EXPENSE | |
| Loan Income | 6,439,872 |
| Investment Income | 3,856,178 |
| Other Income | 432,949 |
| Total Employee Compensation & Benefits | 4,165,001 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,878,201 |
| Non-operating Income & (Expense) | -15,700 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 87,759 |
| Cost of Funds | 2,444,972 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,954,775 |
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