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Saint Nicholas Credit Union Share
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Overview Share
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Saint Nicholas Credit Union is a federal credit union based in Wilkes Barre, Pennsylvania. It has been opened since 1938, for 84 years.

With around $4,580,000 in assets, Saint Nicholas Credit Union is considered to be a small credit union.

About Share
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Address Po Box 1213
Wilkes Barre, Pennsylvania 18703
Website http://www.snfcu.org
Phone (570) 825-2640
Fax (570) 970-2895
CEO John M. Rose
President of the Board Beth Cottle
Services Offered
Score Card Share
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84 years
Years in business
Opened in 1938
Well Capitalized
Net worth classification
Source: NCUA
972 members
Membership type: Associational – faith based
Below average number of members
324:1
Credit union member to staff ratio
324 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$4,578,415
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 3 in Pennsylvania
Average number of branches
0.02%
Savings interest rate
Compared to 0.3% nationally
Branches Share
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1 branch
Compared with an average of 4 nationally and 3 in Pennsylvania
Average number of branches
Saint Nicholas Credit Union Branch Locations

Saint Nicholas Federal Credit Union
254 S. Washington Street
Wilkes Barre, Pennsylvania 18701
No ATM
Members Share
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972 members
Membership type: Associational – faith based
Below average number of members

With 972 members, the Saint Nicholas Credit Union is considered to be a very small credit union. It is among the smallest credit unions and is smaller than 81% of credit unions.

Fees Share
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$9
Average fee per member
The average fee per member at the Saint Nicholas Credit Union is $9, which is very low compared to most credit unions. This rate is lower than 83% of all credit unions.
Fees are lower 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 Saint Nicholas Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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324:1
Credit union member to staff ratio
324 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
3 staff members
FTE (full-time equivalent)
80% of employees are part-time
1 full-time, 4 part-time

Saint Nicholas Credit Union has 1 full-time staff members and 4 part-time staff members. The staff is predominantly comprised of part-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. Saint Nicholas Credit Union has around 324 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets Share
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$4,578,415
Total assets
Below average
Net worth Share
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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.
11.4%
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 Share
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$7,033
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 78% of credit unions.

Saint Nicholas Credit Union holds a total of $1,930,000 in loans and leases, which is about $7,033 per member on average.

Savings interest rate Share
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0.02%
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. Saint Nicholas Credit Union pays 0.02%.

Loan rates Share
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8.50%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
3.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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4.00%
New car loan rate
Compared to 4.0% nationally
6.00%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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5.50%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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