WILLOW ISLAND Credit Union Profile

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WILLOW ISLAND

Charter #8474 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (304) 665-1127

Fax: (304) 665-1129

Founding Date: N/A

Website: http://www.wifcu.com

Personnel & Operations

President: Stewart, Jo

Manager: Winans, Shelly

FT Employees: 6

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 2

Hours: Monday thru Friday 7:30 am to 4:30 pm

Credit Union Profile Summary

WILLOW ISLAND is a FCU Credit Union. With a total of 1,751 members [1], this institution manages approximately $12,160,601 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 7.7% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 1.66% [1].

Financial Snapshot

Total Assets [1]
$12,160,601

Total economic resources.

Total Loans [1]
$9,582,747

Total value of outstanding loans.

Total Deposits [1]
$10,960,705

Total funds deposited by members.

Members [1]
1,751

Number of active members.

Performance Ratios

Net Worth Ratio [1]
7.7%

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]
-0.09%

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

Loan-to-Share Ratio [1]
87.43%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 7.62%

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

Loan Growth (4Q) [1]
↑ 1.66%

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

Member Growth (4Q) [1]
↑ 3.67%

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

Headquarters Location & Map

Headquarters Address

7910 S Pleasants HWY

Saint Marys, WV, 26170-8028
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 2 branches reported by WILLOW ISLAND (Charter #8474).

Main Office

Willow Island Federal Credit Union Main Office

Type: Corporate Office

7910 S Pleasants HWY

Saint Marys, WV 26170-8028

Phone: (304) 665-1127

Services: Member Services, Drive-Thru

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Additional Branches

Saint Marys

WILLOW ISLAND FEDERAL CREDIT UNION

Type: Branch Office

302 2ND ST

Saint Marys, WV 26170

Phone: (304) 299-5374

Services: Member Services

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