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Etma Credit Union

Overview
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Etma Credit Union is a federal credit union based in Louisville, Tennessee. It has been opened since 1956, for 64 years.

With around $18,320,000 in assets, Etma Credit Union is considered to be a medium size credit union.

About
Address 1828 Airbase Road
Louisville, Tennessee 37777
Website http://www.etmafcu.net
Phone (865) 268-2997
Fax (865) 268-2996
CEO Beth Kamer
President of the Board Todd Pinkard
Services Offered
Map
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Score Card
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64 years
Years in business
Opened in 1956
Well Capitalized
Net worth classification
Source: NCUA
1,544 members
Membership type: Multiple common bond – primary military
Below average number of members
343:1
Credit union member to staff ratio
343 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$18,319,307
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 3 in Tennessee
Average number of branches
0.05%
Savings interest rate
Compared to 0.3% nationally
11.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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1 branch
Compared with an average of 4 nationally and 3 in Tennessee
Average number of branches
Etma Credit Union Branch Locations

Etma Credit Union: Main Office
1828 Airbase Road
Louisville, Tennessee 37777
No ATM
Members
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1,544 members
Membership type: Multiple common bond – primary military
Below average number of members

With 1,544 members, the Etma Credit Union is considered to be a small credit union. It is smaller than 72% of credit unions.

Fees
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$94
Average fee per member
The average fee per member at the Etma Credit Union is $94, which is very high compared to most credit unions. This rate is higher than 82% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Etma Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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343:1
Credit union member to staff ratio
343 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
4 staff members
FTE (full-time equivalent)
20% of employees are part-time
4 full-time, 1 part-time

Etma Credit Union has 4 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 80% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Etma Credit Union has around 343 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets
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$18,319,307
Total assets
Below average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
13.9%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$12,369
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 67% of credit unions.

Etma Credit Union holds a total of $12,830,000 in loans and leases, which is about $12,369 per member on average.

Savings interest rate
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0.05%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Etma Credit Union pays 0.05%.

Loan rates
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11.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
13.10%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.45%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.33%
New car loan rate
Compared to 4.0% nationally
4.53%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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4.14%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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Net Worth Classification
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Average Fee
Credit Card Loan Interest Rate
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