Sep, 30, 2025 — HAPPY VALLEY CREDIT UNION is a federally insured state chartered credit union headquartered in ELIZABETHTON, TN with 1 branch location and about $35.90 million in total assets. Opened 92 years ago in 1934, HAPPY VALLEY CREDIT UNION has about 3,246 members and employs 7 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | HAPPY VALLEY CREDIT UNION |
|---|---|
| Address: (Main Office) | 210 E C St ELIZABETHTON, TN 37643-2722 |
| Phone: | (423) 542-6078 |
| Fax: | (423) 542-3691 |
| Website: | https://www.hvcu-tn.com |
| Branches: | 1 branch locations |
| Members: | 3,246 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68097 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1934 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $35,899,385 |
| CEO/Manager: | Carrie A Harrison |
| Chairperson: | Sonja Culler |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,920,995 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 396,118 |
| Unsecured Loans | 1,283,871 |
| Other Loans | 7,671,725 |
| TOTAL LOANS | 9,351,714 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -98,019 |
| Land And Building | 441,759 |
| Other Fixed Assets | 97,391 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 299,261 |
| All Other Assets | 0 |
| TOTAL ASSETS | 35,899,385 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 88,312 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | -152,119 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 4,177,691 |
| Regular shares | 18,224,693 |
| All Other Shares & Deposits | 7,134,250 |
| TOTAL SHARES & DEPOSITS | 29,536,635 |
| TOTAL LIABILITIES | 29,472,828 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 6,426,557 |
| TOTAL EQUITY | 6,426,557 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 35,899,385 |
| INCOME & EXPENSE | |
| Loan Income | 434,174 |
| Investment Income | 636,112 |
| Other Income | 247,283 |
| Total Employee Compensation & Benefits | 418,976 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 626,917 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 22,189 |
| Cost of Funds | 203,356 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 46,131 |
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