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JOY EMPLOYEES FEDERAL CREDIT UNION

Dec, 31, 2023 — JOY EMPLOYEES FEDERAL CREDIT UNION is a federal credit union headquartered in BLUEFIELD, WV with 1 branch location and about $701,906 in total assets. Opened 55 years ago in 1969, JOY EMPLOYEES FEDERAL CREDIT UNION has about 219 members offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:JOY EMPLOYEES FEDERAL CREDIT UNION
Address:
(Main Office)
3140 E Cumberland RD Ste 103
BLUEFIELD, WV 24701
Phone:(276) 322-5454
Fax:(276) 322-1235
Website:n/a
Branches:1 branch locations
Members:219
Credit Union Type:Federal Credit Union
Charter Number:19158
Membership Type:Manufacturing - Machinery
Corporate Credit Union:No
Year Opened:1969
Last Audited:Jun 01, 2023
FHLB Member:No
Low Income Designation:No
Assets:$701,906
CEO/Manager:Jerry D Gallogly Jr
Chairperson:Steve C Chaffin

Call Report

  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 260,017
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 0
 Unsecured Loans 44,792
 Other Loans 477,221
 TOTAL LOANS 522,012
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -98,835
 Land And Building 0
 Other Fixed Assets 0
 NCUSIF Deposit 7,201
 All Other Assets 0
  TOTAL ASSETS 701,906
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 497
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 0
 Regular shares 431,800
 All Other Shares & Deposits 0
  TOTAL SHARES & DEPOSITS 431,799
  TOTAL LIABILITIES 432,296
 Regular Reserve 0
 Other Reserves 13,265
 Undivided Earnings 256,345
  TOTAL EQUITY 269,610
  TOTAL LIABILITIES, SHARES, & EQUITY 701,906
INCOME & EXPENSE  
 Loan Income 32,173
 Investment Income 10,945
 Other Income 0
 Total Employee Compensation & Benefits 13,868
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 26,435
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 0
 Cost of Funds 5,556
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -2,499
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