St. Joseph Cold Spring Federal Credit Union
Headquarters
4011 Alexandria Pike
Cold Spring, KY 41076
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2024 Overview
General Credit Union Information
St. Joseph Cold Spring is an NCUA insured institution located in Cold Spring, KY. It was founded in 1976 and has approximately $1.58 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 22378 |
| Date Established | 1976 |
| Assets | $1.58 million |
| Loans | $0.15 million |
| Deposits | $1.31 million |
| Capital | $0.27 million |
Deposit Rates - April 29, 2024
Your Current Location: Ohio, OH 43085
We do not yet have rates for St. Joseph Cold Spring
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Loan Rates - April 29, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for St. Joseph Cold Spring
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.746% | 6.625% | 1.00 | $4,000 | $2,049 | Learn More |
NMLS ID: 2059741 |
7.004% | 6.875% | 0.63 | $4,192 | $2,103 | Learn More |
NMLS ID: 3030 |
7.463% | 7.375% | 0.88 | $2,800 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|
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Branches
Below are St. Joseph Cold Spring branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
ST. JOSEPH COLD SPRING is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
St. Joseph Cold Spring Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of St. Joseph Cold Spring. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| St. Joseph Cold Spring | U.S. Average |
|---|---|
| 0.51% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, St. Joseph Cold Spring had $1,389 in non-current loans and $0 in owned assets. To cover these potential losses it had $269,318 in net worth and $500 in loans loss reserves. That gives it a Texas Ratio of 0.51%.
Net Worth
| St. Joseph Cold Spring | U.S. Average |
|---|---|
| 17.06% | 13.62% |
St. Joseph Cold Spring FCU has a net worth of 17.06% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for St. Joseph Cold Spring
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