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EMERGENCY RESPONDERS CREDIT UNION

Jun, 30, 2024 — EMERGENCY RESPONDERS CREDIT UNION is a federally insured state chartered credit union headquartered in WINSTON SALEM, NC with 1 branch location and about $31.56 million in total assets. Opened 84 years ago in 1940, EMERGENCY RESPONDERS CREDIT UNION has about 3,095 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:3,095
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:May 01, 2022
FHLB Member:No
Low Income Designation:No
Assets:$31,559,543
CEO/Manager:Janita D Rickett
Chairperson:James S Gauldin

Call Report

  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 9,044,914
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 5,884,731
 Unsecured Loans 2,320,277
 Other Loans 13,594,479
 TOTAL LOANS 21,799,487
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -52,152
 Land And Building 330,568
 Other Fixed Assets 1,771
 NCUSIF Deposit 262,987
 All Other Assets 0
  TOTAL ASSETS 31,559,543
LIABILITIES & CAPITAL:  
 Dividends Payable 17,681
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 230,898
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 2,817,099
 Regular shares 6,538,324
 All Other Shares & Deposits 18,779,492
  TOTAL SHARES & DEPOSITS 28,134,915
  TOTAL LIABILITIES 28,383,494
 Regular Reserve 0
 Other Reserves 0
 Undivided Earnings 3,176,049
  TOTAL EQUITY 3,176,049
  TOTAL LIABILITIES, SHARES, & EQUITY 31,559,543
INCOME & EXPENSE  
 Loan Income 746,282
 Investment Income 61,444
 Other Income 45,799
 Total Employee Compensation & Benefits 380,742
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 393,539
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 9,148
 Cost of Funds 84,854
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 238,555
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