TOPSIDE Credit Union Profile

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TOPSIDE

Charter #14754 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (540) 663-2181

Fax: (540) 663-5674

Founding Date: N/A

Website: http://www.topsidefcu.org

Personnel & Operations

President: Martin, David

Manager: Six, Bruce

FT Employees: 90

PT Employees: 25

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 35

Branches: 4

Hours: 7:45-2:00 MONDAY, TUESDAY, THURSDAY, FRIDA

Credit Union Profile Summary

TOPSIDE is a FCU Credit Union. With a total of 41,919 members [1], this institution manages approximately $484,760,493 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 8.16% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -8.58% [1].

Financial Snapshot

Total Assets [1]
$484,760,493

Total economic resources.

Total Loans [1]
$266,836,734

Total value of outstanding loans.

Total Deposits [1]
$452,488,367

Total funds deposited by members.

Members [1]
41,919

Number of active members.

Performance Ratios

Net Worth Ratio [1]
8.16%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.57%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
58.97%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 1.58%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -8.58%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 0.05%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

17442 DAHLGREN RD

DAHLGREN, VA, 22448
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 5 branches reported by TOPSIDE (Charter #14754).

Main Office

Main Office Main Office

Type: Corporate Office

17442 Dahlgren Rd

Dahlgren, VA 22448

Phone: (540) 663-2181

Services: Member Services, ATM

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Additional Branches

Fredericksburg

Augustine Avenue Branch

Type: Branch Office

2004 Augustine Ave

Fredericksburg, VA 22401

Phone: (540) 373-5127

Services: Member Services, ATM, Drive-Thru

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Massaponax Branch

Type: Branch Office

9622 Patriot Hwy

Fredericksburg, VA 22407-9407

Phone: (540) 373-5127

Services: Member Services, ATM, Drive-Thru

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King George

Plaza Drive Branch

Type: Branch Office

5472 James Madison Pkwy

King George, VA 22485-5329

Phone: (540) 663-2181

Services: Member Services, ATM, Drive-Thru

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Potomac Drive

Type: Corporate Office

5184 Potomac Dr

King George, VA 22485

Phone: (540) 413-3876

Services: Member Services

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