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ST JOE VALLEY CREDIT UNION

Dec, 31, 2023 — ST JOE VALLEY CREDIT UNION is a non-federally insured state credit union headquartered in ST MARIES, ID with 1 branch location and about $12.77 million in total assets. Opened 65 years ago in 1959, ST JOE VALLEY CREDIT UNION has about 1,200 members and employs 7 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 323173834
Name:ST JOE VALLEY CREDIT UNION
Address:
(Main Office)
129 S 9th St
ST MARIES, ID 83861
Phone:(208) 245-4231
Fax:(208) 245-5341
Website:https://www.stjoevalleycu.com
Branches:1 branch locations
Members:1,200
Credit Union Type:Non-Federally Insured State Credit Union
Charter Number:97066
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1959
Last Audited:Aug 01, 2023
FHLB Member:No
Low Income Designation:No
Assets:$12,766,903
CEO/Manager:Gloria Rauch
Chairperson:Dale Hill

Call Report

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Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 1,134,304
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 3,026,320
 Unsecured Loans 255,909
 Other Loans 3,734,478
 TOTAL LOANS 7,016,707
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -27,255
 Land And Building 99,047
 Other Fixed Assets 27,077
 NCUSIF Deposit 0
 All Other Assets 0
  TOTAL ASSETS 12,766,903
LIABILITIES & CAPITAL:  
 Dividends Payable 5,896
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 154,762
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 3,021,122
 Regular shares 5,241,694
 All Other Shares & Deposits 3,208,362
  TOTAL SHARES & DEPOSITS 11,471,178
  TOTAL LIABILITIES 11,631,836
 Regular Reserve 0
 Other Reserves 304,429
 Undivided Earnings 830,638
  TOTAL EQUITY 1,135,067
  TOTAL LIABILITIES, SHARES, & EQUITY 12,766,903
INCOME & EXPENSE  
 Loan Income 374,613
 Investment Income 146,971
 Other Income 38,957
 Total Employee Compensation & Benefits 194,782
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 180,312
 Non-operating Income & (Expense) 727
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 21,120
 Cost of Funds 28,071
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 141,972
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