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National Credit Union Service Organization

PENNSTAR 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 PENNSTAR FEDERAL CREDIT UNION as of: June 30, 2021.
Charter Number: 13760

ASSETS$ Amount
CASH:  
 1. Cash on Hand 579,631
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 6,749,340
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 1,008,424
INVESTMENTS:  
 4. Equity Securities 0
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 0
 7. Held-to-Maturity Debt Securities 3,787,318
 8. Deposits in commercial banks, S&Ls, savings banks 20,935,866
 9. Loans to and investments in natural person credit unions 3,968,000
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 191,744
 12. All other investments in corporate credit unions 0
 13. All other investments 0
 14. TOTAL INVESTMENTS 28,882,928
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 16,143,474
 17. Less: Allowance for Loan & Lease Losses 27,874
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 0
 20. Land and Building 427,049
 21. Other Fixed Assets 28,116
 22. NCUA Share Insurance Capitalization Deposit 433,275
 23. Intangible Assets 0
 24. Other Assets 90,202
25. TOTAL ASSETS 54,314,565
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 2,457
 9. Accounts Payable and Other Liabilities 54,652
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 5,045,227
 12. Regular Shares 22,123,292
 13. Money Market Shares 9,675,070
 14. Share Certificates 5,094,507
 15. IRA/KEOGH Accounts 4,629,063
 16. All Other Shares 0
 17. TOTAL SHARES 46,567,159
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 46,567,159
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) 237,942
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 1,257,750
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 0
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 5,063
EQUITY:  
 33. Undivided Earnings 7,228,484
 34. Regular Reserves 431,069
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 0
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 30,744
44. TOTAL LIABILITIES, SHARES, AND EQUITY 54,314,565
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 339,582
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 198,084
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 537,666
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 63,279
 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 63,279
 10. Provision for Loan & Lease Losses -3,777
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 478,164
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 61,669
 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) 124,326
 21. TOTAL NON-INTEREST INCOME 185,995
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 276,557
 23. Travel and Conference Expense 696
 24. Office Occupancy Expense 40,131
 25. Office Operations Expense 271,891
 26. Educational and Promotional Expenses 9,345
 27. Loan Servicing Expense 14,570
 28. Professional and Outside Services 13,218
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 5,910
 31. Miscellaneous Operating Expenses 1,098
 32. TOTAL NON-INTEREST EXPENSE 633,416
33. NET INCOME (LOSS) 30,743
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 Loans0.000$0
 2. Payday Alternative Loans (PALs I and PALs II)18.0023$9,578
 3. Non-Federally Guaranteed Student Loans0.000$0
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans8.98437$1,833,616
 5. New Vehicle Loans3.96258$4,940,921
 6. Used Vehicle Loans4.62488$5,719,572
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit0.000$0
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.9689$2,667,781
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property3.9636$972,006
 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 & LEASES1,331$16,143,474
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date242$4,306,645
  a. Payday Alternative Loans (PALs I and PALs II) Granted Year-to-Date39$22,230
MISCELLANEOUS LOAN INFORMATIONNumberAmount
 16. Non-Federally Guaranteed Student Loans in Deferred Status0$0
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff8$222,709
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