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National Credit Union Service Organization

EMERGENCY RESPONDERS CREDIT UNION

Dec, 31, 2023 — EMERGENCY RESPONDERS CREDIT UNION is a federally insured state chartered credit union headquartered in WINSTON SALEM, NC with 1 branch location and about $30.04 million in total assets. Opened 84 years ago in 1940, EMERGENCY RESPONDERS CREDIT UNION has about 3,217 members and employs 7 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:3,217
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:Dec 01, 2022
FHLB Member:No
Low Income Designation:No
Assets:$30,038,369
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 2,681,220
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 6,020,279
 Unsecured Loans 2,729,123
 Other Loans 17,913,293
 TOTAL LOANS 26,662,695
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -96,857
 Land And Building 335,239
 Other Fixed Assets 4,688
 NCUSIF Deposit 259,197
 All Other Assets 0
  TOTAL ASSETS 30,038,369
LIABILITIES & CAPITAL:  
 Dividends Payable 97,433
 Notes & Interest Payable 1,000,000
 Accounts Payable & Other Liabilities 254,830
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 3,429,478
 Regular shares 6,623,224
 All Other Shares & Deposits 15,323,795
  TOTAL SHARES & DEPOSITS 25,376,497
  TOTAL LIABILITIES 26,728,760
 Regular Reserve 0
 Other Reserves 0
 Undivided Earnings 3,309,609
  TOTAL EQUITY 3,309,609
  TOTAL LIABILITIES, SHARES, & EQUITY 30,038,369
INCOME & EXPENSE  
 Loan Income 1,216,670
 Investment Income 112,450
 Other Income 101,865
 Total Employee Compensation & Benefits 656,555
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 551,535
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense -67,507
 Cost of Funds 324,177
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 182,173
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