Sep, 30, 2025 — COOSA VALLEY CREDIT UNION is a federally insured state chartered credit union headquartered in ROME, GA with 13 branch locations and about $709.61 million in total assets. Opened 72 years ago in 1954, COOSA VALLEY CREDIT UNION has about 50,794 members and employs 130 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://www.mycvcu.org |
| Branches: | 13 branch locations |
| Members: | 50,794 |
| 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, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $709,608,499 |
| CEO/Manager: | Andy Harris |
| Chairperson: | Gideon C Hartley |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 52,152,373 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 171,767,031 |
| Unsecured Loans | 18,415,095 |
| Other Loans | 350,572,871 |
| TOTAL LOANS | 541,783,622 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -7,691,327 |
| Land And Building | 31,758,408 |
| Other Fixed Assets | 5,171,188 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 5,776,029 |
| All Other Assets | 1,240,733 |
| TOTAL ASSETS | 709,608,499 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 112,365 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 6,653,947 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 7,500,000 |
| Share Drafts | 149,366,996 |
| Regular shares | 247,610,227 |
| All Other Shares & Deposits | 242,108,320 |
| TOTAL SHARES & DEPOSITS | 639,085,543 |
| TOTAL LIABILITIES | 653,353,132 |
| Regular Reserve | 0 |
| Other Reserves | 6,700,007 |
| Undivided Earnings | 49,555,360 |
| TOTAL EQUITY | 56,255,367 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 709,608,499 |
| INCOME & EXPENSE | |
| Loan Income | 23,875,632 |
| Investment Income | 1,958,699 |
| Other Income | 9,427,878 |
| Total Employee Compensation & Benefits | 11,467,858 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 13,183,208 |
| Non-operating Income & (Expense) | -411,105 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 3,806,476 |
| Cost of Funds | 6,654,061 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 4,157,280 |
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