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National Credit Union Service Organization

CENTRAL JERSEY 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 CENTRAL JERSEY FEDERAL CREDIT UNION as of: June 30, 2021.
Charter Number: 1108

ASSETS$ Amount
CASH:  
 1. Cash on Hand 531,960
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 18,953,660
 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 26,458,500
 8. Deposits in commercial banks, S&Ls, savings banks 6,129,000
 9. Loans to and investments in natural person credit unions 1,494,000
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 80,000
 12. All other investments in corporate credit unions 0
 13. All other investments 0
 14. TOTAL INVESTMENTS 34,161,500
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 33,632,651
 17. Less: Allowance for Loan & Lease Losses 327,927
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 0
 20. Land and Building 2,721,208
 21. Other Fixed Assets 282,558
 22. NCUA Share Insurance Capitalization Deposit 783,075
 23. Intangible Assets 0
 24. Other Assets 3,072,067
25. TOTAL ASSETS 93,810,752
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 0
 9. Accounts Payable and Other Liabilities 822,763
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 13,637,428
 12. Regular Shares 58,678,421
 13. Money Market Shares 11,257,986
 14. Share Certificates 1,209,722
 15. IRA/KEOGH Accounts 2,219,570
 16. All Other Shares 32,440
 17. TOTAL SHARES 87,035,567
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 87,035,567
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 $100,000 760,228
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 701,113
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 3,253
EQUITY:  
 33. Undivided Earnings 2,331,747
 34. Regular Reserves 3,506,041
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 114,634
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 0
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 93,810,752
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 1,013,332
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 227,972
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 1,241,304
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 27,869
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 0
 9. TOTAL INTEREST EXPENSE 27,869
 10. Provision for Loan & Lease Losses 0
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 1,213,435
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 306,012
 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 0
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 492,786
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 680,208
 23. Travel and Conference Expense 1,643
 24. Office Occupancy Expense 138,679
 25. Office Operations Expense 340,288
 26. Educational and Promotional Expenses 16,566
 27. Loan Servicing Expense 220,160
 28. Professional and Outside Services 31,791
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 8,992
 31. Miscellaneous Operating Expenses 19,102
 32. TOTAL NON-INTEREST EXPENSE 1,457,429
33. NET INCOME (LOSS) 248,792
RESERVE TRANSFERS YEAR-TO-DATE FOR THE CYCLE  
 34. Transfer to Regular Reserves 53,983
Interest Rate# LoansAmount
Non-Commercial Loans/Lines of Credit
 1. Unsecured Credit Card Loans9.90694$1,724,478
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans6.00532$229,134
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans6.0016,734$8,340,322
 5. New Vehicle Loans4.0070$1,311,378
 6. Used Vehicle Loans4.00314$4,375,825
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit4.0014$224,083
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property4.0045$5,698,638
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property4225$11,256,482
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured6.252$472,311
 13. Commercial Loans/Lines of Credit Not Real Estate Secured0.000$0
 14. TOTAL LOANS & LEASES18,630$33,632,651
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date4,793$5,955,040
  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 Staff17$637,402
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