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National Credit Union Service Organization

CAPITAL EDUCATORS FEDERAL 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 CAPITAL EDUCATORS FEDERAL CREDIT UNION as of: December 31, 2023.
Charter Number: 1040

ASSETS$ Amount
CASH:  
 1. Cash on Hand 7,305,641
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 9,588,983
 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 119,081,789
 7. Held-to-Maturity Debt Securities 0
 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 600,000
 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 42,000
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 1,328,504,401
 17. Less: Allowance for Loan & Lease Losses 0
 18: Less: Allowance for Credit Losses on Loans & Leases 3,835,606
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 2,438,952
 20. Land and Building 28,838,689
 21. Other Fixed Assets 5,762,244
 22. NCUA Share Insurance Capitalization Deposit 11,875,033
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 1,585,336,662
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 229,825,226
 2. Other Notes, Promissory Notes and Interest Payable 0
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 22,500,000
 5. Subordinated Debt included in Net Worth 22,500,000
 6. TOTALS 252,325,226
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 20,993,376
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 74,494,227
 12. Regular Shares 580,210,771
 13. Money Market Shares 40,173,305
 14. Share Certificates 276,162,149
 15. IRA/KEOGH Accounts 31,772,261
 16. All Other Shares 688,923
 17. TOTAL SHARES 1,003,501,636
 18. Nonmember Deposits 231,298,528
 19. TOTAL SHARES AND DEPOSITS 1,234,800,164
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 39,035,408
 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) 267,486,800
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 11,310,713
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 233,305,007
 31. Dollar Amount of Commercial Share Accounts 101,185,812
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 418,980
EQUITY:  
 33. Undivided Earnings 90,883,202
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -13,665,306
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 1,585,336,662
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 65,466,370
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 4,258,092
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 69,724,462
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 21,999,744
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 7,836,560
 9. TOTAL INTEREST EXPENSE 29,836,304
 10. Provision for Loan & Lease Losses 0
 11. Total Credit Loss Expense 6,125,000
 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 16,448,432
 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 -204,916
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 981,047
 21. TOTAL NON-INTEREST INCOME 17,772,372
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 25,266,094
 23. Travel and Conference Expense 256,838
 24. Office Occupancy Expense 1,733,160
 25. Office Operations Expense 5,031,900
 26. Educational and Promotional Expenses 1,501,791
 27. Loan Servicing Expense 4,928,623
 28. Professional and Outside Services 8,153,230
 29. Total Member Insurance 3,960
 30. Operating Fees (Examination and/or supervision fees) 173,887
 31. Miscellaneous Operating Expenses 631,812
 32. TOTAL NON-INTEREST EXPENSE 47,681,295
33. NET INCOME (LOSS) 3,854,235
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 Loans13.0412,094$17,176,389
 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 loans12.008,007$90,039,311
 5. New Vehicle Loans5.395,155$145,236,851
 6. Used Vehicle Loans7.1021,483$420,413,415
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit7.631,790$55,024,807
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.442,015$299,045,905
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property8.281,613$60,258,840
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured5.38220$238,059,941
 13. Commercial Loans/Lines of Credit Not Real Estate Secured7.6369$3,248,942
 14. TOTAL LOANS & LEASES52,446$1,328,504,401
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date14,698$483,004,173
  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 Staff28$1,142,383
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration1$59,212$0
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)1$59,212-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration2$556,792$417,594
  b. Other Government Guaranteed0$0$0