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National Credit Union Service Organization

TCT 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 TCT FEDERAL CREDIT UNION as of: September 30, 2021.
Charter Number: 12957

ASSETS$ Amount
CASH:  
 1. Cash on Hand 1,000,576
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 2,076,598
 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 56,857,046
 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 500,000
 12. All other investments in corporate credit unions 250,000
 13. All other investments 890,045
 14. TOTAL INVESTMENTS 58,497,091
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 206,689,644
 17. Less: Allowance for Loan & Lease Losses 1,249,819
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 0
 20. Land and Building 4,175,999
 21. Other Fixed Assets 354,437
 22. NCUA Share Insurance Capitalization Deposit 2,254,269
 23. Intangible Assets 0
 24. Other Assets 6,009,003
25. TOTAL ASSETS 279,807,798
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 4,838,564
 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 4,838,564
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 3,491
 9. Accounts Payable and Other Liabilities 1,780,530
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 41,994,992
 12. Regular Shares 84,947,314
 13. Money Market Shares 64,685,264
 14. Share Certificates 46,647,557
 15. IRA/KEOGH Accounts 10,079,174
 16. All Other Shares 0
 17. TOTAL SHARES 248,354,301
 18. Nonmember Deposits 2,232,000
 19. TOTAL SHARES AND DEPOSITS 250,586,301
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) 22,387,219
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 1,643,661
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 0
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 8,738
EQUITY:  
 33. Undivided Earnings 20,389,423
 34. Regular Reserves 1,776,546
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 432,943
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 279,807,798
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 6,108,328
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 563,003
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 6,671,331
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 522,024
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 77,068
 9. TOTAL INTEREST EXPENSE 599,092
 10. Provision for Loan & Lease Losses 115,000
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 5,957,239
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 233,096
 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) 868,206
 21. TOTAL NON-INTEREST INCOME 2,057,280
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 3,431,574
 23. Travel and Conference Expense 45,153
 24. Office Occupancy Expense 353,414
 25. Office Operations Expense 439,534
 26. Educational and Promotional Expenses 77,381
 27. Loan Servicing Expense 332,410
 28. Professional and Outside Services 1,094,993
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 42,352
 31. Miscellaneous Operating Expenses 64,597
 32. TOTAL NON-INTEREST EXPENSE 5,881,408
33. NET INCOME (LOSS) 2,133,111
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 Loans8.964,926$9,168,457
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans4.25228$5,209,571
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans8.963,893$11,810,265
 5. New Vehicle Loans1.99759$16,671,241
 6. Used Vehicle Loans1.992,495$33,202,274
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit2.00207$3,795,010
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property2.991,355$102,540,407
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property2.99374$8,903,981
 11. All Other Real Estate Loans/Lines of Credit5.491$22,104
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.0021$15,366,334
 13. Commercial Loans/Lines of Credit Not Real Estate Secured0.000$0
 14. TOTAL LOANS & LEASES14,259$206,689,644
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date6,044$66,963,317
  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 Staff15$321,134
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