Sep, 30, 2025 — ST. THOMAS FEDERAL CREDIT UNION is a federal credit union headquartered in CHARLOTTE AMALIE, VI with 1 branch location and about $89.69 million in total assets. Opened 74 years ago in 1952, ST. THOMAS FEDERAL CREDIT UNION has about 8,817 members and employs 21 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ST. THOMAS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 5027 Norre Gade CHARLOTTE AMALIE, VI 00802-6749 |
| Phone: | (340) 774-8865 |
| Fax: | (340) 777-4785 |
| Website: | https://www.stthomasfcu.com/ |
| Branches: | 1 branch locations |
| Members: | 8,817 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 7970 |
|---|---|
| Membership Type: | Multiple common bond - Primarily federal, state, local government |
| Corporate Credit Union: | No |
| Year Opened: | 1952 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $89,685,144 |
| CEO/Manager: | Keisha Richards |
| Chairperson: | Clifford F Graham |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 7,976,467 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 23,470,117 |
| Other Loans | 14,667,079 |
| TOTAL LOANS | 38,137,196 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -757,522 |
| Land And Building | 2,124,359 |
| Other Fixed Assets | 427,943 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 672,478 |
| All Other Assets | 0 |
| TOTAL ASSETS | 89,685,144 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 192,339 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 531,145 |
| Regular shares | 66,427,057 |
| All Other Shares & Deposits | 2,981,252 |
| TOTAL SHARES & DEPOSITS | 69,939,454 |
| TOTAL LIABILITIES | 70,131,793 |
| Regular Reserve | 0 |
| Other Reserves | -1,279,792 |
| Undivided Earnings | 20,833,143 |
| TOTAL EQUITY | 19,553,351 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 89,685,144 |
| INCOME & EXPENSE | |
| Loan Income | 2,576,794 |
| Investment Income | 1,114,821 |
| Other Income | 302,413 |
| Total Employee Compensation & Benefits | 1,211,769 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,446,235 |
| Non-operating Income & (Expense) | 30,000 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 513,766 |
| Cost of Funds | 323,187 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -29,340 |
| ↑ Back to Top | |