Sep, 30, 2025 — WHITE ROSE CREDIT UNION is a federally insured state chartered credit union headquartered in YORK, PA with 5 branch locations and about $114.88 million in total assets. Opened 76 years ago in 1950, WHITE ROSE CREDIT UNION has about 10,997 members and employs 40 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 ROSE CREDIT UNION |
|---|---|
| Address: (Main Office) | 3498 Industrial Hwy YORK, PA 17402-9050 |
| Phone: | (717) 755-9773 |
| Fax: | (717) 840-9452 |
| Website: | https://www.whiterosecu.com |
| Branches: | 5 branch locations |
| Members: | 10,997 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68296 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1950 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $114,881,156 |
| CEO/Manager: | Bryan C Smith |
| Chairperson: | James R Sanford |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 8,234,421 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 23,761,480 |
| Unsecured Loans | 10,586,823 |
| Other Loans | 29,636,836 |
| TOTAL LOANS | 63,985,138 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -305,601 |
| Land And Building | 3,915,919 |
| Other Fixed Assets | 872,748 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,020,927 |
| All Other Assets | 0 |
| TOTAL ASSETS | 114,881,156 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 579,985 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 21,924,473 |
| Regular shares | 54,359,122 |
| All Other Shares & Deposits | 28,271,608 |
| TOTAL SHARES & DEPOSITS | 104,555,203 |
| TOTAL LIABILITIES | 105,135,240 |
| Regular Reserve | 0 |
| Other Reserves | 154,360 |
| Undivided Earnings | 9,591,556 |
| TOTAL EQUITY | 9,745,916 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 114,881,156 |
| INCOME & EXPENSE | |
| Loan Income | 3,036,659 |
| Investment Income | 1,163,196 |
| Other Income | 547,142 |
| Total Employee Compensation & Benefits | 1,953,602 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,159,387 |
| Non-operating Income & (Expense) | 441 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 312,978 |
| Cost of Funds | 627,527 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 337,955 |
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