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National Credit Union Service Organization

ERIE 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 ERIE COMMUNITY FEDERAL CREDIT UNION as of: June 30, 2021.
Charter Number: 12616

ASSETS$ Amount
CASH:  
 1. Cash on Hand 498,610
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 1,817,664
 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 13,083,409
 7. Held-to-Maturity Debt Securities 354,511
 8. Deposits in commercial banks, S&Ls, savings banks 125,000
 9. Loans to and investments in natural person credit unions 1,095,529
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 198,426
 12. All other investments in corporate credit unions 0
 13. All other investments 0
 14. TOTAL INVESTMENTS 14,856,875
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 12,298,476
 17. Less: Allowance for Loan & Lease Losses 125,419
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 0
 20. Land and Building 914,913
 21. Other Fixed Assets 36,968
 22. NCUA Share Insurance Capitalization Deposit 264,781
 23. Intangible Assets 0
 24. Other Assets 1,499,364
25. TOTAL ASSETS 32,062,232
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 93,709
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 6,806,399
 12. Regular Shares 16,875,290
 13. Money Market Shares 2,546,917
 14. Share Certificates 2,134,632
 15. IRA/KEOGH Accounts 731,446
 16. All Other Shares 0
 17. TOTAL SHARES 29,094,684
 18. Nonmember Deposits 497,000
 19. TOTAL SHARES AND DEPOSITS 29,591,684
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) 884,545
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 206,255
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 17,474
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 19,251
EQUITY:  
 33. Undivided Earnings 1,708,320
 34. Regular Reserves 466,580
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 73,389
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 117,449
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 11,101
44. TOTAL LIABILITIES, SHARES, AND EQUITY 32,062,232
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 333,074
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 108,675
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 441,749
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 23,998
 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 23,998
 10. Provision for Loan & Lease Losses 12,000
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 405,751
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 117,531
 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 274,233
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 362,165
 23. Travel and Conference Expense 2,577
 24. Office Occupancy Expense 48,010
 25. Office Operations Expense 93,725
 26. Educational and Promotional Expenses 12,439
 27. Loan Servicing Expense 52,378
 28. Professional and Outside Services 65,642
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 2,234
 31. Miscellaneous Operating Expenses 29,713
 32. TOTAL NON-INTEREST EXPENSE 668,883
33. NET INCOME (LOSS) 11,101
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 Loans11.59621$968,479
 2. Payday Alternative Loans (PALs I and PALs II)28.0069$43,557
 3. Non-Federally Guaranteed Student Loans0.000$0
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans11.13217$352,881
 5. New Vehicle Loans4.4551$821,199
 6. Used Vehicle Loans6.27209$2,305,082
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit8.6068$922,284
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property4.94116$2,859,377
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property5.2549$1,388,015
 11. All Other Real Estate Loans/Lines of Credit4.8817$301,455
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.7330$2,140,032
 13. Commercial Loans/Lines of Credit Not Real Estate Secured5.0710$196,115
 14. TOTAL LOANS & LEASES1,457$12,298,476
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date206$1,828,753
  a. Payday Alternative Loans (PALs I and PALs II) Granted Year-to-Date78$74,240
MISCELLANEOUS LOAN INFORMATIONNumberAmount
 16. Non-Federally Guaranteed Student Loans in Deferred Status0$0
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff8$136,535
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration3$101,425$101,425
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)3$101,425-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration0$0$0
  b. Other Government Guaranteed0$0$0