WCU CREDIT UNION Credit Union Profile

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WCU CREDIT UNION

Charter #61150 | NCUA Region 2 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (256) 355-5010

Fax: (256) 355-2989

Founding Date: N/A

Website: https://www.wcucu.com

Personnel & Operations

President: Etheredge, Luke

Manager: Determan, Steve

FT Employees: 14

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 2

Hours: 8:00 to 5:00 Mon-Fri 8:00 to noon Sat Drive

Credit Union Profile Summary

WCU CREDIT UNION is a FISCU Credit Union. With a total of 3,379 members [1], this institution manages approximately $34,109,367 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 8.98% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -4.32% [1].

Financial Snapshot

Total Assets [1]
$34,109,367

Total economic resources.

Total Loans [1]
$17,555,783

Total value of outstanding loans.

Total Deposits [1]
$30,941,040

Total funds deposited by members.

Members [1]
3,379

Number of active members.

Performance Ratios

Net Worth Ratio [1]
8.98%

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]
0.42%

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

Loan-to-Share Ratio [1]
56.74%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -3.67%

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

Loan Growth (4Q) [1]
↓ -4.32%

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

Member Growth (4Q) [1]
↓ -0.15%

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

Headquarters Location & Map

Headquarters Address

2505 Highway 31 S

Decatur, AL, 35603-1503
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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 2 branches reported by WCU CREDIT UNION (Charter #61150).

Main Office

WCU Credit Union Main Office

Type: Corporate Office

2505 Highway 31 S

Decatur, AL 35603-1503

Phone: (256) 355-5010

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Moulton

WCU Credit Union

Type: Branch Office

26 Franklin Smith Rd

Moulton, AL 35650-1923

Phone: (256) 974-2013

Services: Member Services, ATM, Drive-Thru

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