EMERGENCY RESPONDERS Credit Union Profile

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EMERGENCY RESPONDERS

Charter #66354 | NCUA Region 2 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (336) 723-0619

Fax: (336) 725-0955

Founding Date: N/A

Website: http://www.emrspcu.com

Personnel & Operations

President: Gauldin, James

Manager: Stowers, Kalyn

FT Employees: 6

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 1

Hours: 7:30 am - 5:30 pm Monday through Friday

Credit Union Profile Summary

EMERGENCY RESPONDERS is a FISCU Credit Union. With a total of 3,332 members [1], this institution manages approximately $29,015,608 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 10.18% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -7.51% [1].

Financial Snapshot

Total Assets [1]
$29,015,608

Total economic resources.

Total Loans [1]
$23,195,888

Total value of outstanding loans.

Total Deposits [1]
$25,915,110

Total funds deposited by members.

Members [1]
3,332

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.18%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
-1.90%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
89.51%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -5.91%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -7.51%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 1.96%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1777 Link Rd

Winston Salem, NC, 27103-4625
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 3 branches reported by EMERGENCY RESPONDERS (Charter #66354).

Main Office

Emergency Responders Credit Union Main Office

Type: Corporate Office

1777 Link Rd

Winston Salem, NC 27103-4625

Phone: (336) 723-0619

Services: Member Services, Drive-Thru

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Additional Branches

Goldsboro

Commercial Business Systems

Type: Corporate Office

105 E Walnut St

Goldsboro, NC 27530-3648

Phone: (336) 736-2228

Services: None specified

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Winston Salem

Winston-Salem Fire Department

Type: Corporate Office

725 N Cherry ST

Winston Salem, NC 27101

Phone: (336) 773-7900

Services: None specified

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