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COOSA VALLEY CREDIT UNION

Dec, 31, 2022 — COOSA VALLEY CREDIT UNION is a federally insured state chartered credit union headquartered in ROME, GA with 9 branch locations and about $574.70 million in total assets. Opened 69 years ago in 1954, COOSA VALLEY CREDIT UNION has about 48,492 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:COOSA VALLEY CREDIT UNION
Address:
(Main Office)
2010 Redmond CIR NW
ROME, GA 30165
Phone:(706) 235-8551
Fax:(706) 235-6795
Website:https://mycvcu.org
Branches:9 branch locations
Members:48,492
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:68683
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1954
Last Audited:Mar 01, 2022
FHLB Member:Yes
Low Income Designation:No
Assets:$574,697,364
CEO/Manager:Andy Harris
Chairperson:Gideon C Hartley

Call Report

  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 64,337,585
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 123,257,077
 Unsecured Loans 23,004,614
 Other Loans 266,991,680
 TOTAL LOANS 415,788,655
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -1,524,638
 Land And Building 18,315,233
 Other Fixed Assets 5,035,324
 NCUSIF Deposit 4,547,721
 All Other Assets 862,804
  TOTAL ASSETS 574,697,364
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 9,375,368
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 7,500,000
 Share Drafts 139,955,623
 Regular shares 277,965,768
 All Other Shares & Deposits 96,934,759
  TOTAL SHARES & DEPOSITS 514,856,150
  TOTAL LIABILITIES 531,731,518
 Regular Reserve 0
 Other Reserves 4,080,023
 Undivided Earnings 38,885,823
  TOTAL EQUITY 42,965,846
  TOTAL LIABILITIES, SHARES, & EQUITY 574,697,364
INCOME & EXPENSE  
 Loan Income 15,182,183
 Investment Income 776,612
 Other Income 6,823,833
 Total Employee Compensation & Benefits 8,740,978
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 8,926,038
 Non-operating Income & (Expense) -97,812
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 1,436,473
 Cost of Funds 557,593
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 5,389,816
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