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National Credit Union Service Organization

CLACKAMAS COMMUNITY 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 CLACKAMAS COMMUNITY FEDERAL CREDIT UNION as of: December 31, 2023.
Charter Number: 11793

ASSETS$ Amount
CASH:  
 1. Cash on Hand 11,492,492
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 18,140,569
 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 72,977,191
 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 503,880
 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 431,463,431
 17. Less: Allowance for Loan & Lease Losses 0
 18: Less: Allowance for Credit Losses on Loans & Leases 3,384,184
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 193,520
 20. Land and Building 27,561,039
 21. Other Fixed Assets 8,124,938
 22. NCUA Share Insurance Capitalization Deposit 5,005,842
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 592,833,132
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 500,000
 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 500,000
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 8,359,695
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 59,088
SHARES/DEPOSITS:  
 11. Share Drafts 137,279,832
 12. Regular Shares 178,040,624
 13. Money Market Shares 114,607,699
 14. Share Certificates 85,693,004
 15. IRA/KEOGH Accounts 17,593,279
 16. All Other Shares 626,408
 17. TOTAL SHARES 533,840,846
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 533,840,846
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) 21,965,917
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 6,295,889
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 39,544,023
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 66,271
EQUITY:  
 33. Undivided Earnings 44,726,665
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 11,073,242
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -5,726,404
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 592,833,132
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 24,507,024
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 2,491,633
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 26,998,657
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 3,588,992
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 465,193
 9. TOTAL INTEREST EXPENSE 4,054,185
 10. Provision for Loan & Lease Losses 0
 11. Total Credit Loss Expense 3,171,770
 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 1,764,437
 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 -40,626
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 937,870
 21. TOTAL NON-INTEREST INCOME 5,621,866
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 14,110,283
 23. Travel and Conference Expense 409,132
 24. Office Occupancy Expense 1,911,913
 25. Office Operations Expense 6,115,431
 26. Educational and Promotional Expenses 1,764,377
 27. Loan Servicing Expense 803,253
 28. Professional and Outside Services 662,863
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 99,964
 31. Miscellaneous Operating Expenses 192,136
 32. TOTAL NON-INTEREST EXPENSE 26,069,352
33. NET INCOME (LOSS) -674,784
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 Loans16.147,589$12,385,650
 2. Payday Alternative Loans (PALs I and PALs II)15.0040$14,487
 3. Non-Federally Guaranteed Student Loans0.000$0
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans10.524,106$9,737,470
 5. New Vehicle Loans10.342,900$81,505,313
 6. Used Vehicle Loans11.125,239$91,712,963
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit12.51734$18,206,146
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property5.32521$85,416,216
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property9.151,502$64,004,749
 11. All Other Real Estate Loans/Lines of Credit0.005$11,690
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured7.6390$59,847,267
 13. Commercial Loans/Lines of Credit Not Real Estate Secured10.30122$8,621,480
 14. TOTAL LOANS & LEASES22,848$431,463,431
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date4,465$107,044,482
  a. Payday Alternative Loans (PALs I and PALs II) Granted Year-to-Date96$57,289
MISCELLANEOUS LOAN INFORMATIONNumberAmount
 16. Non-Federally Guaranteed Student Loans in Deferred Status0$0
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff31$1,320,516
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 Guaranteed2$48,094$24,047
 19. Commercial Loans  
  a. Small Business Administration8$5,447,345$4,107,236
  b. Other Government Guaranteed1$471,562$0