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National Credit Union Service Organization

COLLEGEDALE CREDIT UNION
— Statement of Financial Condition

Then NCUA provides quarterly Call Reports using accounting and statistical information from each credit union. The Call Report includes Balance Sheet, Income Statement and more.

Statement of financial condition for COLLEGEDALE CREDIT UNION as of: December 31, 2023.
Charter Number: 68167

ASSETS$ Amount
CASH:  
 1. Cash on Hand 603,177
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 2,481,413
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 0
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 0
 7. Held-to-Maturity Debt Securities 5,995,554
 8. Deposits in commercial banks, S&Ls, savings banks 0
 9. Loans to and investments in natural person credit unions 0
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 227,372
 12. All other investments in corporate credit unions 0
 13. All other investments 0
 14. TOTAL INVESTMENTS 0
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 23,341,935
 17. Less: Allowance for Loan & Lease Losses 0
 18: Less: Allowance for Credit Losses on Loans & Leases 140,535
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 0
 20. Land and Building 448,550
 21. Other Fixed Assets 163,315
 22. NCUA Share Insurance Capitalization Deposit 402,288
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 44,874,293
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 0
 2. Other Notes, Promissory Notes and Interest Payable 0
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 0
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 1,302
 9. Accounts Payable and Other Liabilities 219,324
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 17,880,810
 12. Regular Shares 21,800,364
 13. Money Market Shares 0
 14. Share Certificates 258,508
 15. IRA/KEOGH Accounts 1,158,777
 16. All Other Shares 51,915
 17. TOTAL SHARES 41,150,374
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 41,150,374
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 0
 22. Accounts Held by Nonmember Public Units 0
 23. Employee Benefit Member Shares 0
 24. Employee Benefit Nonmember Shares 0
 25. 529 Plan Member Deposits 0
 26. Non-dollar denominated deposits 0
 27. Health Savings Account 0
 28. Dollar Amount of Share Certificates equal to or greater than $100,000 (Excluding brokered share certificates participated out by the broker in shares of less than $100,000) 0
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 0
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 7,248,729
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 5,153
EQUITY:  
 33. Undivided Earnings 1,817,278
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 1,686,015
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 0
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 44,874,293
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 1,167,086
 2. (Less) Interest Refunded -166
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 555,392
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 1,722,644
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 13,536
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 24,757
 8. Interest on Borrowed Money 4,149
 9. TOTAL INTEREST EXPENSE 42,442
 10. Provision for Loan & Lease Losses 0
 11. Total Credit Loss Expense 127,010
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 0
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 293,013
 14. Other Operating Income (Includes unconsolidated CUSO Income and Gain (Loss) associated with the Hedged Item (NonInvestment Assets) in a Non-Trading, Fair Value (FV) Derivatives Hedge) 0
 15. Gain (Loss) on Equity Securities (DO NOT include Gain (Loss) on other securities) 0
 16. Gain (Loss) on Other Securities (DO NOT include Gain or Loss on Equity Securities) 0
 17. Gain (Loss) on Non-Trading Derivatives 0
 18. Gain (Loss) on Disposition of Fixed Assets -11,964
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 299,701
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 716,976
 23. Travel and Conference Expense 3,461
 24. Office Occupancy Expense 77,363
 25. Office Operations Expense 682,028
 26. Educational and Promotional Expenses 40,692
 27. Loan Servicing Expense 51,975
 28. Professional and Outside Services 12,056
 29. Total Member Insurance 33,765
 30. Operating Fees (Examination and/or supervision fees) 29,405
 31. Miscellaneous Operating Expenses 92,584
 32. TOTAL NON-INTEREST EXPENSE 1,740,305
33. NET INCOME (LOSS) 112,588
RESERVE TRANSFERS YEAR-TO-DATE FOR THE CYCLE  
 34. Transfer to Regular Reserves 0
Interest Rate# LoansAmount
Non-Commercial Loans/Lines of Credit
 1. Unsecured Credit Card Loans15.95250$268,224
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans0.000$0
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans11.831,124$292,756
 5. New Vehicle Loans4.37603$583,627
 6. Used Vehicle Loans6.483,027$2,304,745
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit3.35211$1,518,061
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property4.55107$15,207,229
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property6.0418$734,810
 11. All Other Real Estate Loans/Lines of Credit7.253$173,928
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.687$1,949,088
 13. Commercial Loans/Lines of Credit Not Real Estate Secured8.206$309,469
 14. TOTAL LOANS & LEASES5,356$23,341,937
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date2,113$3,815,781
  a. Payday Alternative Loans (PALs I and PALs II) Granted Year-to-Date0$0
MISCELLANEOUS LOAN INFORMATIONNumberAmount
 16. Non-Federally Guaranteed Student Loans in Deferred Status0$0
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff3$194,189
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration0$0$0
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)0$0-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration0$0$0
  b. Other Government Guaranteed0$0$0