FAIRMONT Credit Union Profile

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FAIRMONT

Charter #3439 | NCUA Region 1 | FCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (304) 363-5320

Fax: (304) 363-5470

Founding Date: N/A

Website: http://www.fairmontfcu.com

Personnel & Operations

President: Osborne, Walter

Manager: Dickey, Cindy

FT Employees: 113

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 18.03%

Membership Type: 00

Branches: 9

Hours: LOBBY MONDAY & FRIDAY - 9:00AM TO 5:00PM

Credit Union Profile Summary

FAIRMONT is a FCU Credit Union. With a total of 45,054 members ^[1], this institution manages approximately $564,397,458 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.89% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 7.77% ^[1].

Financial Snapshot

Total Assets ^[1]

$564,397,458

Total economic resources.

Total Loans ^[1]

$363,695,153

Total value of outstanding loans.

Total Deposits ^[1]

$511,559,027

Total funds deposited by members.

Members ^[1]

45,054

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

9.89%

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]

0.89%

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

Loan-to-Share Ratio ^[1]

71.10%

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

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 10.42%

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

Loan Growth (4Q) ^[1]

↑ 7.77%

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

Member Growth (4Q) ^[1]

↑ 1.77%

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

Headquarters Location & Map

Headquarters Address

2 THE CREDIT UNION WAY

FAIRMONT, WV, 26554-1567

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 9 branches reported by FAIRMONT (Charter #3439).

Main Office

Gateway Connector Office Main Office

Type: Corporate Office

Pineview

Type: Branch Office

1254 Pineview Dr

Morgantown, WV 26505-2731

Phone: (304) 363-5320

Services: Member Services, ATM, Drive-Thru

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Westover

Type: Branch Office

12 Lawless Rd

Morgantown, WV 26501-2018

Phone: (304) 363-5320

Services: Member Services, ATM, Drive-Thru

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