Sep, 30, 2025 — WESTMORELAND WATER FEDERAL CREDIT UNION is a federal credit union headquartered in GREENSBURG, PA with 1 branch location and about $23.34 million in total assets. Opened 73 years ago in 1953, WESTMORELAND WATER FEDERAL CREDIT UNION has about 1,533 members and employs 4 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | WESTMORELAND WATER FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1900 Franklin St GREENSBURG, PA 15601-5563 |
| Phone: | (724) 850-4797 |
| Fax: | (724) 836-7648 |
| Website: | https://www.wwcu.org |
| Branches: | 1 branch locations |
| Members: | 1,533 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 9042 |
|---|---|
| Membership Type: | Multiple common bond - Primarily communications and utilities |
| Corporate Credit Union: | No |
| Year Opened: | 1953 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $23,339,202 |
| CEO/Manager: | Stephanie Kernicky |
| Chairperson: | Barrie Rohrbacher |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,785,618 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 2,037,476 |
| Unsecured Loans | 1,399,115 |
| Other Loans | 3,315,079 |
| TOTAL LOANS | 6,751,670 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -3,091 |
| Land And Building | 165,335 |
| Other Fixed Assets | 4,081 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 187,239 |
| All Other Assets | 0 |
| TOTAL ASSETS | 23,339,202 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 6,863 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 1,067,967 |
| Regular shares | 10,602,736 |
| All Other Shares & Deposits | 7,542,904 |
| TOTAL SHARES & DEPOSITS | 19,213,607 |
| TOTAL LIABILITIES | 19,220,470 |
| Regular Reserve | 0 |
| Other Reserves | 255,137 |
| Undivided Earnings | 3,863,595 |
| TOTAL EQUITY | 4,118,732 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 23,339,202 |
| INCOME & EXPENSE | |
| Loan Income | 306,116 |
| Investment Income | 488,036 |
| Other Income | 18,609 |
| Total Employee Compensation & Benefits | 149,072 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 219,915 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 6,114 |
| Cost of Funds | 113,450 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 362,438 |
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