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 |
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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 |
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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 |
ASSETS: | $ Amount |
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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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