Sep, 30, 2025 — WILLOW ISLAND FEDERAL CREDIT UNION is a federal credit union headquartered in SAINT MARYS, WV with 2 branch locations and about $11.75 million in total assets. Opened 73 years ago in 1953, WILLOW ISLAND FEDERAL CREDIT UNION has about 1,749 members and employs 5 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | WILLOW ISLAND FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 7910 S Pleasants HWY SAINT MARYS, WV 26170-8028 |
| Phone: | (304) 665-1127 |
| Fax: | (304) 665-1129 |
| Website: | https://www.wifcu.com |
| Branches: | 2 branch locations |
| Members: | 1,749 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 8474 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1953 |
| Last Audited: | Feb 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $11,747,580 |
| CEO/Manager: | Shelly L Winans |
| Chairperson: | Jo Stewart |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,547,211 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 1,174,355 |
| Other Loans | 8,184,644 |
| TOTAL LOANS | 9,358,999 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -35,823 |
| Land And Building | 228,145 |
| Other Fixed Assets | 36,801 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 96,766 |
| All Other Assets | 0 |
| TOTAL ASSETS | 11,747,580 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 12,052 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 1,836,693 |
| Regular shares | 4,489,529 |
| All Other Shares & Deposits | 4,485,951 |
| TOTAL SHARES & DEPOSITS | 10,812,173 |
| TOTAL LIABILITIES | 10,824,225 |
| Regular Reserve | 0 |
| Other Reserves | 136,309 |
| Undivided Earnings | 787,046 |
| TOTAL EQUITY | 923,355 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 11,747,580 |
| INCOME & EXPENSE | |
| Loan Income | 526,825 |
| Investment Income | 35,855 |
| Other Income | 139,857 |
| Total Employee Compensation & Benefits | 187,316 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 341,777 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 72,337 |
| Cost of Funds | 133,606 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -22,404 |
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