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Emergency Responders Credit Union


Overview / Commentary
emrspcu.com
336-723-0619
1777 Link Rd
Winston Salem, NC 27103-4625

Emergency Responders Credit Union is headquartered in Winston Salem and is the 48th largest credit union in the state of North Carolina. It is also the 3,099th largest credit union in the nation. It was established in 1940 and as of March of 2020, it had grown to 6 employees and 2,905 members at 1 location. Emergency Responders Credit Union's money market rates are 3X the national average, and it has a C+ health rating.

Field of Membership Restrictions

Emergency Responders Credit Union of North Carolina is open to 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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Health
C+

Data as of Q1 2020

Learn why bank health matters
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

Overall
NCUA #66354
Year Chartered1940
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD4.56%
Annual Interest Income$261.00K
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$25.1MM$21.0MM
LoansQ1 2020vs Q1 2019$17.7MM$17.4MM
DepositsQ1 2020vs Q1 2019$22.0MM$18.1MM
Equity CapitalQ1 2020vs Q1 2019$2.9MM$2.8MM
Loan Loss AllowanceQ1 2020vs Q1 2019$99.00K$89.00K
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$445.00K$273.00K
Real Estate OwnedQ1 2020vs Q1 2019$19.00K$19.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Emergency Responders Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$5-IRA Shares
0.30%$1-Family Savings
0.25%$25-Regular Shares
0.25%$25-Christmas Club
0.25%$25-Special Shares
0.25%$25-Vacation Club Account

Emergency Responders Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*$50k*-Money Market
OTHER TIERS: 1.00% → $5k - $50k

Emergency Responders Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Checking Accounts

Emergency Responders Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%$30k-12 Month JUMBO CD
1.95%$500-12 Month CD
1.10%$500-6 Month CD
Locations


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

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