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ST. THOMAS FEDERAL CREDIT UNION

Dec, 31, 2021 — ST. THOMAS FEDERAL CREDIT UNION is a federal credit union headquartered in CHARLOTTE AMALIE, VI with 1 branch location and about $81.59 million in total assets. Opened 70 years ago in 1952, ST. THOMAS FEDERAL CREDIT UNION has about 7,791 members and employs 19 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://stthomasfcu.com/
Branches:1 branch locations
Members:7,791
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, 2020
FHLB Member:No
Low Income Designation:No
Assets:$81,591,922
CEO/Manager:Keisha Richards
Chairperson:Clifford F Graham

Call Report

  • Payday Alternative Loans (PAL Loans)

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 7,484,459
TOTAL INVESTMENTS 41,035,355
Loans Held for Sale 0
 
 Real Estate Loans 0
 Unsecured Loans 21,085,952
 Other Loans 8,684,406
 TOTAL LOANS 29,770,358
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -299,823
 Land And Building 1,854,237
 Other Fixed Assets 652,759
 NCUSIF Deposit 597,447
 All Other Assets 497,130
  TOTAL ASSETS 81,591,922
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 110,479
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 272,055
 Regular shares 59,127,873
 All Other Shares & Deposits 3,508,215
  TOTAL SHARES & DEPOSITS 62,908,143
  TOTAL LIABILITIES 63,018,622
 Regular Reserve 1,959,606
 Other Reserves -138,004
 Undivided Earnings 16,751,698
  TOTAL EQUITY 18,573,300
  TOTAL LIABILITIES, SHARES, & EQUITY 81,591,922
INCOME & EXPENSE  
 Loan Income 2,832,873
 Investment Income 581,468
 Other Income 194,359
 Total Employee Compensation & Benefits 1,286,961
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 1,626,466
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense -79,417
 Cost of Funds 320,974
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 658,064
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