Sep, 30, 2025 — EMERGENCY RESPONDERS CREDIT UNION is a federally insured state chartered credit union headquartered in WINSTON SALEM, NC with 1 branch location and about $27.83 million in total assets. Opened 86 years ago in 1940, EMERGENCY RESPONDERS CREDIT UNION has about 3,372 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | EMERGENCY RESPONDERS CREDIT UNION |
|---|---|
| Address: (Main Office) | 1777 Link Rd WINSTON SALEM, NC 27103-4625 |
| Phone: | (336) 723-0619 |
| Fax: | (336) 725-0955 |
| Website: | https://www.emrspcu.com |
| Branches: | 1 branch locations |
| Members: | 3,372 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 66354 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1940 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $27,834,052 |
| CEO/Manager: | Kalyn Stowers |
| Chairperson: | James S Gauldin |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 3,620,183 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 4,989,220 |
| Unsecured Loans | 2,976,939 |
| Other Loans | 15,567,767 |
| TOTAL LOANS | 23,533,927 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -110,813 |
| Land And Building | 334,898 |
| Other Fixed Assets | 1,789 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 237,613 |
| All Other Assets | 0 |
| TOTAL ASSETS | 27,834,052 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 26,198 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 85,850 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 3,865,167 |
| Regular shares | 6,323,127 |
| All Other Shares & Deposits | 14,669,282 |
| TOTAL SHARES & DEPOSITS | 24,857,575 |
| TOTAL LIABILITIES | 24,969,623 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 2,864,429 |
| TOTAL EQUITY | 2,864,429 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 27,834,052 |
| INCOME & EXPENSE | |
| Loan Income | 1,114,100 |
| Investment Income | 128,385 |
| Other Income | 64,901 |
| Total Employee Compensation & Benefits | 464,341 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 728,281 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 254,385 |
| Cost of Funds | 258,359 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -203,436 |
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