2024-11-15T17:56:03-07:00 2023-12-31 990 2023-01-01 626047295 ST THOMAS CREDIT UNION STTH 6152927828 4230 HARDING ROAD SUITE 103 NASHVILLE TN 37205 CHLOE NGUYEN VICE PRESIDENT 6152927828 2024-11-15 1 2023 2024-10-15 13:58:12Z WILLIAM DUNN 4230 HARDING ROAD STE 103 NASHVILLE TN 37205 2154310 0 X WWW.STTHOMASCU.ORG X 1959 TN To enhance the quality of life for our members by striving to provide excellent financial services. 7 7 10 13 0 0 0 0 1539477 1890103 92351 264207 0 0 1631828 2154310 0 0 0 0 516014 586864 0 0 0 929007 1266578 1445021 1853442 186807 300868 35431757 36326618 31874067 32467897 3557690 3858721 To enhance the life of our members by striving to offer excellent financial services. 0 0 1853442 0 2154310 CREDIT UNION PROVIDES FINANCIAL AND EDUCATIONAL SERVICES TO OUR MEMBERSHIP 0 0 0 1853442 0 0 0 0 0 0 0 0 0 1 1 0 0 1 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 4 0 1 10 1 0 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 0 0 1 1 1 1 1 1 1 0 X St Thomas Credit Union 6152927828 4230 Harding Rd SUITE 103 NASHVILLE TN 37205 Chloe Nguyen Vice President 40 0 X 92841 0 17771 William Dunn President 40 0 X X 89000 0 16858 John Raphael Board Of Directors-Chairperson 3 0 X X 0 0 0 Robert Poteete Board of Directors-Vice Chair Person 2 0 X X 0 0 0 Sherry Warren Board of Directors-Treasurer 7 0 X X 0 0 0 Wanda Hooper Board of Directors-Seccretary 2 0 X X 0 0 0 Lisa Dillehay Board of Directors 2.00 0 X 0 0 0 Judy Cummings Board of Directors 2 X 0 0 0 Beth Smith Board of Directors 2 0 X 0 0 0 181841 0 34629 0 0 0 0 0 0 loans and other fee income 900099 1890103 1890103 0 0 0 0 0 0 1890103 264207 264207 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2154310 2154310 0 0 X 181842 0 285275 8445 94015 17287 0 8588 3621 0 0 0 325773 12006 189097 52056 0 157294 1368 0 5743 387550 18782 18521 22812 provision for loan losses expense 60000 annual meeting expense 1500 board expense 1200 supervisory commiittee expense 667 1853442 0 0 0 485213 411244 821400 1060429 0 -90976 -112079 0 0 0 0 24271864 26089356 0 0 182673 222186 246559 191710 59223 54849 0 0 9425479 8316479 0 0 0 0 276881 284154 35431757 36326618 98711 324967 0 0 0 0 0 0 0 0 0 0 0 0 0 0 31775356 32142930 31874067 32467897 X 0 0 0 0 3557690 3858721 3557690 3858721 35431757 36326618 X 300868 0 0 0 0 163 X 0 1 X 1 0 0 0 0 0 0 0 0 0 60659 30551 30108 0 185900 161159 24741 0 0 0 0 54849 0 0 Certificates of Shares 8183000 C Perpetual Contributed Capital 133479 C 8316479 0 Shares 12482567 Share Drafts 4933489 Money Market 4411647 IRA Shares 1738629 Certificates of Shares 8576598 32142930 Chloe Nguyen Staff First Mortgage X 224000 66288 0 1 1 Chloe Nguyen Staff Refinanced Auto X 22980 20804 0 1 1 William Dunn Staff Used Auto X 13575 12963 0 1 1 William Dunn Staff Used Auto X 5285 5285 0 1 1 Cassandra Dixon Staff Unsecured Loan X 4640 1949 0 1 1 Michael Messina Spouse of Staff new auto X 52550 52550 0 1 1 Tram Nguyen Spouse of Staff New auto X 26127 3283 0 1 1 John Raphael Board of Directors First Mortgage X 202000 182270 0 1 1 William Dunn Staff First Mortgage X 78000 18797 0 1 1 Michael and Gina Messina Spouse and Staff First Mortgage X 96000 88880 0 1 1 Judy Cummings Board of Directors HELOC X 75000 70096 0 1 1 Kimberly Stephenson Volunteer-Supervisory Committee HELOC X 22025 4123 0 1 1 Wade Dunn Sibling of Staff HELOC X 85000 81248 0 1 1 Binh Pham Staff HELOC X 75000 63907 0 1 1 Binh Pham Staff HELOC X 105000 103907 0 1 1 John Raphael Board of Directors Used Auto X 16000 12514 0 1 1 Michael Messina Spouse of Staff Used auto X 46552 37773 0 1 1 Susan Fussell Volunteer-Credit Committee Used Auto X 21000 1269 0 1 1 Kimberly Stephenson Volunteer-Supervisory Committee Used Auto X 11834 4476 0 1 1 John Witherspoon Staff Used Auto X 12036 7292 0 1 1 John Witherspoon Staff Used Auto X 22000 12424 0 1 1 Lisa Mai Staff Used Auto X 21822 11668 0 1 1 Sherry Warren Board of Directors New Auto X 36867 21855 0 1 1 Tram Nguyen Spouse of Staff Used Auto X 12000 5579 0 1 1 Kimberly Stephenson Volunteer-Supervisory Committee Credit Card X 456 3000 0 1 1 Amanda Austin Volunteer-Supervisory Committee Credit Card X 2500 281 0 1 1 Michael Messina Spouse of Staff Credit Card X 4000 3418 0 1 1 Sherry Warren Board of Directors Credit Card X 15000 41 0 1 1 Wanda Hooper Board of Directors Credit Card X 1500 722 0 1 1 Tana Little Staff Credit Card X 12000 600 0 1 1 Binh Pham Staff Credit Card X 6500 6456 0 1 1 John Raphael Board of Directors Credit Card X 10000 3936 0 1 1 John Witherspoon Staff Credit Card X 10000 9307 0 1 1 Jasmine Beard Staff Credit Card X 500 25 0 1 1 918986 Form 990, Part VI, Section A, Line 6 Credit union is a membership co-operative. Our Board of Directors are volunteers who are also members voted by membership to serve a three (3) year term during annual election. Form 990, Part VI, Section A, Line 7a Annual meetings are held annually whereby members of the credit union have an opportunity to vote for other members running to serve as Board of Directors of the credit union. Elected Board members serve a three year-year term, each board members can serve for three (3) consecutive terms. Form 990, Part VI, Section A, Line 7b Daily operations are managed by executive management who are paid staff. They report directly to the Board of Directors. Any decisions which could significantly impact the credit union, for example, a merger, has to be approved by two-thirds of the membership base. Form 990, Part VI, Section B, Line 11b Noted in Board of Directors monthly meeting of the filing and its availability for review. Form 990, Part VI, Section B, Line 12c Policy is reviewed annually, and all volunteers and staff are required to turn in a signed acknowledgement form kept at the credit union by the Compliance Officer. Form 990, Part VI, Section B, Line 15 Salaries of key management and staff are reviewed annually and compared with other similar asset sized credit unions from an annual survey conducted and distributed to the credit union by an independent party vendor. Form 990, Part VI, Section C, Line 19 Conditions of financial statements are disclosed in the annual report to the membership during the annual meeting, and the annual report is uploaded onto the organization website. All other policies and related documents are provided upon request. Form 990, Part IX, Line 11g professional and outside services expenses: security, data processing, audit, atm, etc. Form 990, Part XI, Line 9 $1 joining fee at initial account opening. Filed and was approved for an extension until November 15.