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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 3,256th largest credit union in the nation. It was established in 1962 and as of September of 2017, it had grown to 6 employees and 1,892 members at 1 location. Whitesville Community Credit Union has a B health rating.

Field of Membership Restrictions

Membership in Whitesville Community Credit Union is open to those who live, work, or worship within a ten-mile radius of the city of Whitesville, Kentucky.
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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 - YTD0.24%
Return on Equity - YTD2.19%
Annual Interest Income$366.00K
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$22.8MM$23.6MM
LoansQ3 2017vs Q3 2016$7.7MM$7.1MM
DepositsQ3 2017vs Q3 2016$20.2MM$21.0MM
Equity CapitalQ3 2017vs Q3 2016$2.6MM$2.5MM
Loan Loss AllowanceQ3 2017vs Q3 2016$23.00K$26.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$21.00K$11.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$0

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