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ST. THOMAS FEDERAL CREDIT UNION

Jun, 30, 2021 — ST. THOMAS FEDERAL CREDIT UNION is a federal credit union headquartered in CHARLOTTE AMALI, VI with 1 branch location and about $79.27 million in total assets. Opened 69 years ago in 1952, ST. THOMAS FEDERAL CREDIT UNION has about 7,741 members and employs 18 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)
P.O. BOX 1138
CHARLOTTE AMALI, VI 00804-1138
Phone:(340) 774-8865
Fax:(340) 777-4785
Website:https://stthomasfcu.com/
Branches:1 branch locations
Members:7,741
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:$79,272,023
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 9,602,406
TOTAL INVESTMENTS 36,358,544
Loans Held for Sale 0
 
 Real Estate Loans 0
 Unsecured Loans 21,450,517
 Other Loans 8,706,499
 TOTAL LOANS 30,157,016
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -416,761
 Land And Building 1,828,533
 Other Fixed Assets 750,381
 NCUSIF Deposit 565,945
 All Other Assets 425,959
  TOTAL ASSETS 79,272,023
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 120,337
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 219,833
 Regular shares 56,862,957
 All Other Shares & Deposits 3,309,950
  TOTAL SHARES & DEPOSITS 60,392,740
  TOTAL LIABILITIES 60,513,077
 Regular Reserve 1,959,606
 Other Reserves 361,448
 Undivided Earnings 16,437,892
  TOTAL EQUITY 18,758,946
  TOTAL LIABILITIES, SHARES, & EQUITY 79,272,023
INCOME & EXPENSE  
 Loan Income 1,426,617
 Investment Income 292,699
 Other Income 94,516
 Total Employee Compensation & Benefits 603,079
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 806,793
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 0
 Cost of Funds 155,084
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 344,260
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