ST. THOMAS Credit Union Profile

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ST. THOMAS

Charter #68071 | NCUA Region 2 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (615) 292-7828

Fax: (615) 463-2741

Founding Date: N/A

Website: https://www.stthomascu.org

Personnel & Operations

President: Raphael, John

Manager: Dunn, William

FT Employees: 9

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 1

Hours: Mon/Tue/Thur 7:00AM - 4:00PM Wed 9:00AM -

Credit Union Profile Summary

ST. THOMAS is a FISCU Credit Union. With a total of 2,449 members [1], this institution manages approximately $39,145,731 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.2% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -0.21% [1].

Financial Snapshot

Total Assets [1]
$39,145,731

Total economic resources.

Total Loans [1]
$28,116,741

Total value of outstanding loans.

Total Deposits [1]
$34,443,355

Total funds deposited by members.

Members [1]
2,449

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.2%

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]
0.60%

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

Loan-to-Share Ratio [1]
81.63%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
3.39%

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

Loan Growth (4Q) [1]
-0.21%

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

Member Growth (4Q) [1]
-1.92%

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

Headquarters Location & Map

Headquarters Address

4230 Harding Pike Ste 103

Nashville, TN, 37205

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by ST. THOMAS (Charter #68071).

Main Office

STCU MAIN OFFICE Main Office

Type: Corporate Office

4230 Harding Pike Ste 103

Nashville, TN 37205

Phone: (615) 292-7828

Services: Member Services, ATM

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