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EMERGENCY RESPONDERS CREDIT UNION

Mar, 31, 2022 — EMERGENCY RESPONDERS CREDIT UNION is a federally insured state chartered credit union headquartered in WINSTON SALEM, NC with 1 branch location and about $32.64 million in total assets. Opened 82 years ago in 1940, EMERGENCY RESPONDERS CREDIT UNION has about 3,053 members and employs 5 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:http://www.emrspcu.com
Branches:1 branch locations
Members:3,053
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:Jan 01, 2022
FHLB Member:No
Low Income Designation:No
Assets:$32,644,790
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 10,889,411
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 6,206,144
 Unsecured Loans 2,306,304
 Other Loans 12,543,263
 TOTAL LOANS 21,055,711
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -54,319
 Land And Building 334,998
 Other Fixed Assets 3,441
 NCUSIF Deposit 231,953
 All Other Assets 0
  TOTAL ASSETS 32,644,790
LIABILITIES & CAPITAL:  
 Dividends Payable 20,920
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 218,358
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 2,686,881
 Regular shares 6,379,923
 All Other Shares & Deposits 20,355,093
  TOTAL SHARES & DEPOSITS 29,421,897
  TOTAL LIABILITIES 29,661,175
 Regular Reserve 0
 Other Reserves 0
 Undivided Earnings 2,983,615
  TOTAL EQUITY 2,983,615
  TOTAL LIABILITIES, SHARES, & EQUITY 32,644,790
INCOME & EXPENSE  
 Loan Income 239,206
 Investment Income 2,233
 Other Income 14,294
 Total Employee Compensation & Benefits 113,049
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 128,508
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 7,529
 Cost of Funds 29,501
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 46,122
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