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National Credit Union Service Organization

CENTURY HERITAGE 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 CENTURY HERITAGE FEDERAL CREDIT UNION as of: December 31, 2023.
Charter Number: 1352

ASSETS$ Amount
CASH:  
 1. Cash on Hand 2,170,374
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 1,294,184
 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 58,313,984
 7. Held-to-Maturity Debt Securities 8,579,448
 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 925,491
 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 175,930,962
 17. Less: Allowance for Loan & Lease Losses 0
 18: Less: Allowance for Credit Losses on Loans & Leases 449,745
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 0
 20. Land and Building 3,109,689
 21. Other Fixed Assets 546,930
 22. NCUA Share Insurance Capitalization Deposit 2,097,736
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 264,872,298
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 16,634,569
 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 16,634,569
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 12
 9. Accounts Payable and Other Liabilities 1,618,447
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 26,629,664
 12. Regular Shares 73,932,966
 13. Money Market Shares 38,592,946
 14. Share Certificates 72,987,134
 15. IRA/KEOGH Accounts 12,415,729
 16. All Other Shares 0
 17. TOTAL SHARES 224,558,439
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 224,558,439
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) 30,326,532
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 3,919,288
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 4,629,650
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 24,046
EQUITY:  
 33. Undivided Earnings 18,235,542
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 9,648,837
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -5,823,548
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 264,872,298
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 7,767,013
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 2,539,277
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 10,306,290
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 2,425,043
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 733,818
 9. TOTAL INTEREST EXPENSE 3,158,861
 10. Provision for Loan & Lease Losses 0
 11. Total Credit Loss Expense 306,539
 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 546,937
 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) -13,929
 21. TOTAL NON-INTEREST INCOME 2,676,395
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 3,729,729
 23. Travel and Conference Expense 46,905
 24. Office Occupancy Expense 613,937
 25. Office Operations Expense 1,339,959
 26. Educational and Promotional Expenses 259,705
 27. Loan Servicing Expense 621,113
 28. Professional and Outside Services 682,032
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 40,580
 31. Miscellaneous Operating Expenses 72,728
 32. TOTAL NON-INTEREST EXPENSE 7,406,688
33. NET INCOME (LOSS) 2,110,597
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 Loans8.501,365$3,163,532
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans0.000$0
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans8.75573$2,862,694
 5. New Vehicle Loans2.491,848$38,152,611
 6. Used Vehicle Loans6.592,814$45,993,226
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit3.55190$2,164,793
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.75647$41,065,780
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property8.25232$7,048,110
 11. All Other Real Estate Loans/Lines of Credit8.275$116,253
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured5.41142$35,363,963
 13. Commercial Loans/Lines of Credit Not Real Estate Secured0.000$0
 14. TOTAL LOANS & LEASES7,816$175,930,962
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date2,481$67,384,323
  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 Staff24$469,309
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