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Emergency Responders Credit Union

Popular Accounts at this Credit Union

0.50%1-year CD12 Month CD
0.25%SavingsSpecial Shares
0.65%Money MarketMoney Market

Overview / Commentary
1777 Link Rd
Winston Salem, NC 27103-4625

Emergency Responders Credit Union is headquartered in Winston Salem and is the 55th largest credit union in the state of North Carolina. It is also the 3,359th largest credit union in the nation. It was established in 1940 and as of December of 2016, it had grown to 6 employees and 2,556 members at 1 location. Emergency Responders Credit Union's money market rates are 48% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Emergency Responders Credit Union of North Carolina is open to the current and retired firefighters and service personnel, emergency medical service and rescue personnel, emergency management agencies, all branches and levels of law enforcement, hazardous material employees, and/or the volunteers that are associated with these particular agencies in North Carolina State and their family members, along with the employees of the credit union and their families as well as member affiliated organizations.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Emergency Responders Credit Union has a low asset base.

Health Grade Components

NCUA #66354
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD0.62%
Return on Equity - YTD5.5%
Annual Interest Income$748.00K
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$21.2MM$18.6MM
LoansQ4 2016vs Q4 2015$14.6MM$13.9MM
DepositsQ4 2016vs Q4 2015$18.7MM$16.2MM
Equity CapitalQ4 2016vs Q4 2015$2.4MM$2.3MM
Loan Loss AllowanceQ4 2016vs Q4 2015$79.00K$77.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$143.00K$225.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$13.00K
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Emergency Responders Credit Union Savings Account Rates

1.25%--IRA Shares
0.30%--Family Savings
0.25%$25-Regular Shares
0.25%$25-Christmas Club
0.25%$25-Special Shares

Emergency Responders Credit Union Money Market Rates

0.65%*$50k*-Money Market
OTHER TIERS: 0.45% $5k - $50k

Emergency Responders Credit Union CD Rates

0.50%$500-12 Month CD
0.25%$500-6 Month CD

Emergency Responders Credit Union Locations
Branch Office1777 Link RdWinston Salem, NC 27103-4625