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St. Thomas Employee Credit Union
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St. Thomas Employee Credit Union Share
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Overview Share
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St. Thomas Employee Credit Union is a federal credit union based in Saint Paul, Minnesota. It has been opened since 1949, for 73 years.

With around $3,860,000 in assets, St. Thomas Employee Credit Union is considered to be a small credit union.

About Share
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Address 2115 Summit Avenue Lor209
Saint Paul, Minnesota 55105
Website http://www.stthomas.edu/creditunion
Phone (651) 962-6660
Fax (651) 962-6661
CEO Anthony W. Erickson
President of the Board Joseph Schwebel
Services Offered
Score Card Share
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73 years
Years in business
Opened in 1949
Well Capitalized
Net worth classification
Source: NCUA
1,183 members
Membership type: Multiple common bond – primary educational
Below average number of members
789:1
Credit union member to staff ratio
789 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
$3,859,260
Total assets
Below average
0 branches
Compared with an average of 4 nationally and 4 in Minnesota
Average number of branches
0.04%
Savings interest rate
Compared to 0.3% nationally
Branches Share
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0 branches
Compared with an average of 4 nationally and 4 in Minnesota
Average number of branches
St. Thomas Employee Credit Union Branch Locations
Members Share
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1,183 members
Membership type: Multiple common bond – primary educational
Below average number of members

With 1,183 members, the St. Thomas Employee Credit Union is considered to be a small credit union. It is smaller than 78% of credit unions.

Fees Share
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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 Employee Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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789:1
Credit union member to staff ratio
789 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
2 staff members
FTE (full-time equivalent)
100% of employees are part-time
0 full-time, 3 part-time

St. Thomas Employee Credit Union has 0 full-time staff members and 3 part-time staff members. The staff is predominantly comprised of part-time staff, at approximately 100% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. St. Thomas Employee Credit Union has around 789 members per staff, a high ratio compared to other credit unions.

Assets Share
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$3,859,260
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.
10.8%
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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$8,253
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 67% of credit unions.

St. Thomas Employee Credit Union holds a total of $2,390,000 in loans and leases, which is about $8,253 per member on average.

Savings interest rate Share
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0.04%
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 Employee Credit Union pays 0.04%.

Loan rates Share
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10.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.44%
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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2.54%
New car loan rate
Compared to 4.0% nationally
3.05%
Used car loan rate
Compared to 5.2% nationally

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