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St. Thomas Credit Union

Overview
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St. Thomas Credit Union is a federal credit union based in Charlotte Amali, Virgin Islands. It has been opened since 1952, for 68 years.

With around $65,080,000 in assets, St. Thomas Credit Union is considered to be a large credit union.

About
Address P.O. Box 1138
Charlotte Amali, Virgin Islands 00804
Website http://www.stthomasfcu.com
Phone (340) 774-8865
Fax (340) 777-4785
CEO Keisha Richards
President of the Board Milton Potter
Services Offered
Map
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Score Card
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68 years
Years in business
Opened in 1952
Well Capitalized
Net worth classification
Source: NCUA
7,359 members
Membership type: Multiple common bond – primary federal, state, local government
Above average number of members
460:1
Credit union member to staff ratio
460 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$65,084,762
Total assets
Above average
1 branch
Compared with an average of 4 nationally and 1 in Virgin Islands
Above average number of branches
0.75%
Savings interest rate
Compared to 0.3% nationally
Branches
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1 branch
Compared with an average of 4 nationally and 1 in Virgin Islands
Above average number of branches
St. Thomas Credit Union Branch Locations

Street Thomas Credit Union: Cu South
23210 US Highway 98
Fairhope, Alabama 36532
No ATM
Street Thomas Credit Union: Stfcu
5027 Norre Gade
Charlotte Amalie, Virgin Islands 00802
No ATM
Members
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7,359 members
Membership type: Multiple common bond – primary federal, state, local government
Above average number of members

With 7,359 members, the St. Thomas Credit Union is considered to be a large credit union. It is larger than 65% of credit unions.

Fees
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$18
Average fee per member
The average fee per member at the St. Thomas Credit Union is $18, which is low compared to most credit unions. This rate is lower than 74% 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 St. Thomas Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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460:1
Credit union member to staff ratio
460 per each FTE employee
Compared to 411:1 nationally
Fewer staff
16 staff members
FTE (full-time equivalent)
0% of employees are part-time
16 full-time, 0 part-time

St. Thomas Credit Union has 16 full-time staff members and 0 part-time staff members.

The number of members relative to staff members is an indication of how well staffed the credit union is. St. Thomas Credit Union has around 460 members per staff, a higher ratio compared to other credit unions.

Assets
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$65,084,762
Total assets
Above 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.
24.7%
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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$8,194
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 68% of credit unions.

St. Thomas Credit Union holds a total of $29,130,000 in loans and leases, which is about $8,194 per member on average.

Savings interest rate
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0.75%
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. St. Thomas Credit Union pays 0.75%.

Loan rates
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11.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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8.00%
New car loan rate
Compared to 4.0% nationally
10.00%
Used car loan rate
Compared to 5.2% nationally