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 |
| 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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