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ST. THOMAS FEDERAL CREDIT UNION

Jun, 30, 2023 — ST. THOMAS FEDERAL CREDIT UNION is a federal credit union headquartered in CHARLOTTE AMALIE, VI with 1 branch location and about $82.62 million in total assets. Opened 72 years ago in 1952, ST. THOMAS FEDERAL CREDIT UNION has about 7,969 members and employs 20 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:7,969
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, 2021
FHLB Member:No
Low Income Designation:No
Assets:$82,620,655
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 6,416,338
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 0
 Unsecured Loans 21,041,890
 Other Loans 9,741,804
 TOTAL LOANS 30,783,694
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -246,729
 Land And Building 1,847,925
 Other Fixed Assets 665,071
 NCUSIF Deposit 619,659
 All Other Assets 0
  TOTAL ASSETS 82,620,655
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 121,011
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 352,913
 Regular shares 62,880,809
 All Other Shares & Deposits 3,564,510
  TOTAL SHARES & DEPOSITS 66,798,232
  TOTAL LIABILITIES 66,919,243
 Regular Reserve 0
 Other Reserves -3,508,099
 Undivided Earnings 19,209,511
  TOTAL EQUITY 15,701,412
  TOTAL LIABILITIES, SHARES, & EQUITY 82,620,655
INCOME & EXPENSE  
 Loan Income 2,100,982
 Investment Income 552,198
 Other Income 184,964
 Total Employee Compensation & Benefits 962,654
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 1,281,679
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 5,134
 Cost of Funds 258,065
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 498,209
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