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Overview / Commentary
10589 Franklin St
Whitesville, KY 42378

Whitesville Community Credit Union is headquartered in Whitesville and is the 35th largest credit union in the state of Kentucky. It is also the 3,276th largest credit union in the nation. It was established in 1962 and as of June of 2016, it had grown to 6 employees and 1,834 members at 1 location. Whitesville Community Credit Union has a B+ health rating.

Reviews (1)

Whitesville Credit Union

This is a local credit union that I have dealt with in the past but I am no longer a customer there. The inconvenience of location in relation to my home was a reason for me to stop services with them. The other reason was that I switched to a larger bank. The fees they have for using an ATM that is not theirs is overly expensive and due to my location this fee was becoming too costly for me to continue service. Their customer service was, and still is, wonderful. They have always been smiling and welcoming when I have entered the building. Their website has been hard to navigate upon occasion, especially when it was in the beginning stages. Certain links are done occasionally which delays my banking process.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Whitesville Community Credit Union has a low asset base.

Health Grade Components

NCUA #62432
Year Chartered1962
Primary Regulator
Profit Margin
Return on Assets - YTD-0.02%
Return on Equity - YTD-0.16%
Annual Interest Income$230.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$22.8MM$21.9MM
LoansQ2 2016vs Q2 2015$7.0MM$6.6MM
DepositsQ2 2016vs Q2 2015$20.3MM$19.4MM
Equity CapitalQ2 2016vs Q2 2015$2.5MM$2.5MM
Loan Loss AllowanceQ2 2016vs Q2 2015$25.00K$24.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$25.00K$6.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0

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Whitesville Community Credit Union Locations
Branch Office10589 Franklin StWhitesville, KY 42378