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Shawnee Tva Employees Credit Union

Overview
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Shawnee Tva Employees Credit Union is a federal credit union based in West Paducah, Kentucky. It has been opened since 1954, for 66 years.

With around $6,730,000 in assets, Shawnee Tva Employees Credit Union is considered to be a medium size credit union.

About
Address 7755 Metropolis Lake Road
West Paducah, Kentucky 42086
Website http://www.stvafcu.virtualcu.net
Phone (270) 442-6479
Fax (270) 442-6415
CEO Tammy R. Wiggins
President of the Board Jennifer Mccallon
Services Offered
Map
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Score Card
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66 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
674 members
Membership type: Service – communications and utilities
Below average number of members
337:1
Credit union member to staff ratio
337 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$6,730,988
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 3 in Kentucky
Average number of branches
0.15%
Savings interest rate
Compared to 0.3% nationally
Branches
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1 branch
Compared with an average of 4 nationally and 3 in Kentucky
Average number of branches
Shawnee Tva Employees Credit Union Branch Locations

Shawnee Tva Employees Credit Union: Main Office
7755 Metropolis Lake Road
West Paducah, Kentucky 42086
No ATM
Members
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674 members
Membership type: Service – communications and utilities
Below average number of members

With 674 members, the Shawnee Tva Employees Credit Union is considered to be a very small credit union. It is among the smallest credit unions and is smaller than 87% of credit unions.

Fees
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$6
Average fee per member
The average fee per member at the Shawnee Tva Employees Credit Union is $6, which is very low compared to most credit unions. This rate is lower than 86% 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 Shawnee Tva Employees Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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337:1
Credit union member to staff ratio
337 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
2 staff members
FTE (full-time equivalent)
67% of employees are part-time
1 full-time, 2 part-time

Shawnee Tva Employees Credit Union has 1 full-time staff members and 2 part-time staff members. The staff is predominantly comprised of part-time staff, at approximately 67% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Shawnee Tva Employees Credit Union has around 337 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets
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$6,730,988
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.
17.4%
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
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$10,146
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 50% of credit unions.

Shawnee Tva Employees Credit Union holds a total of $2,970,000 in loans and leases, which is about $10,146 per member on average.

Savings interest rate
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0.15%
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. Shawnee Tva Employees Credit Union pays 0.15%.

Loan rates
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12.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.50%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.75%
New car loan rate
Compared to 4.0% nationally
4.50%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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6.50%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
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