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National Credit Union Service Organization

SRI 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 SRI FEDERAL CREDIT UNION as of: December 31, 2021.
Charter Number: 11872

ASSETS$ Amount
CASH:  
 1. Cash on Hand 385,418
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 13,552,549
 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 23,448,363
 7. Held-to-Maturity Debt Securities 0
 8. Deposits in commercial banks, S&Ls, savings banks 9,495,000
 9. Loans to and investments in natural person credit unions 0
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 0
 12. All other investments in corporate credit unions 0
 13. All other investments 802,100
 14. TOTAL INVESTMENTS 33,745,463
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 87,829,496
 17. Less: Allowance for Loan & Lease Losses 194,388
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 0
 20. Land and Building 0
 21. Other Fixed Assets 2,541,409
 22. NCUA Share Insurance Capitalization Deposit 944,901
 23. Intangible Assets 0
 24. Other Assets 523,337
25. TOTAL ASSETS 139,328,185
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 4,000,000
 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 4,000,000
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 2,869,513
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 22,634,535
 12. Regular Shares 37,412,111
 13. Money Market Shares 36,748,264
 14. Share Certificates 19,760,794
 15. IRA/KEOGH Accounts 2,495,420
 16. All Other Shares 142,275
 17. TOTAL SHARES 119,193,399
 18. Nonmember Deposits 741,000
 19. TOTAL SHARES AND DEPOSITS 119,934,399
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 142,276
 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) 10,176,016
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 645,751
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 7,613,922
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 2,361
EQUITY:  
 33. Undivided Earnings 11,597,387
 34. Regular Reserves 1,012,242
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -85,356
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 139,328,185
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 3,692,736
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 322,090
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 4,014,826
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 570,089
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 114,768
 9. TOTAL INTEREST EXPENSE 684,857
 10. Provision for Loan & Lease Losses 28,000
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 3,301,969
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 47,560
 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 965,068
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 1,204,326
 23. Travel and Conference Expense 11,771
 24. Office Occupancy Expense 168,008
 25. Office Operations Expense 510,693
 26. Educational and Promotional Expenses 23,076
 27. Loan Servicing Expense 183,711
 28. Professional and Outside Services 58,798
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 26,194
 31. Miscellaneous Operating Expenses 31,482
 32. TOTAL NON-INTEREST EXPENSE 2,218,059
33. NET INCOME (LOSS) 2,048,978
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 Loans7.72849$2,820,260
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans5.7531$1,025,716
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans1.672,431$11,303,955
 5. New Vehicle Loans2.8188$1,619,511
 6. Used Vehicle Loans3.13198$2,249,601
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit5.3412$281,057
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.18181$58,121,412
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property3.32106$10,407,984
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured0.000$0
 13. Commercial Loans/Lines of Credit Not Real Estate Secured0.000$0
 14. TOTAL LOANS & LEASES3,896$87,829,496
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date945$46,669,651
  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 Status6$158,847
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff23$1,917,185
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration45$10,285,673$10,285,673
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)45$10,285,672-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration0$0$0
  b. Other Government Guaranteed0$0$0