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National Credit Union Service Organization

MUNA 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 MUNA FEDERAL CREDIT UNION as of: December 31, 2023.
Charter Number: 15108

ASSETS$ Amount
CASH:  
 1. Cash on Hand 3,027,933
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 2,826,228
 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 3,840,041
 7. Held-to-Maturity Debt Securities 1,249,907
 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 219,198
 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 32,886,892
 17. Less: Allowance for Loan & Lease Losses 0
 18: Less: Allowance for Credit Losses on Loans & Leases 423,844
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 45,096
 20. Land and Building 745,914
 21. Other Fixed Assets 1,285,796
 22. NCUA Share Insurance Capitalization Deposit 420,791
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 49,846,662
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 2,329,897
 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 2,329,897
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 1,128,780
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 8,324,650
 12. Regular Shares 23,593,312
 13. Money Market Shares 3,974,612
 14. Share Certificates 2,842,912
 15. IRA/KEOGH Accounts 2,178,190
 16. All Other Shares 7,328
 17. TOTAL SHARES 40,921,004
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 40,921,004
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) 1,458,830
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 1,046,789
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 359,289
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 36,476
EQUITY:  
 33. Undivided Earnings 6,095,480
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -628,499
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 49,846,662
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 2,271,737
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 298,619
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 2,570,356
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 110,020
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 24,652
 9. TOTAL INTEREST EXPENSE 134,672
 10. Provision for Loan & Lease Losses 0
 11. Total Credit Loss Expense 313,552
 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 1,024,068
 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 4,166
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 173,303
 21. TOTAL NON-INTEREST INCOME 1,931,746
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 1,288,994
 23. Travel and Conference Expense 71,307
 24. Office Occupancy Expense 130,015
 25. Office Operations Expense 317,495
 26. Educational and Promotional Expenses 65,590
 27. Loan Servicing Expense 237,193
 28. Professional and Outside Services 1,126,486
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 8,109
 31. Miscellaneous Operating Expenses 186,510
 32. TOTAL NON-INTEREST EXPENSE 3,431,699
33. NET INCOME (LOSS) 622,179
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 Loans12.00318$981,742
 2. Payday Alternative Loans (PALs I and PALs II)28.001$300
 3. Non-Federally Guaranteed Student Loans0.000$0
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans15.831,985$3,622,188
 5. New Vehicle Loans4.36100$3,458,089
 6. Used Vehicle Loans7.92682$10,343,176
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit9.72283$8,919,981
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property4.3227$2,591,514
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property1019$632,015
 11. All Other Real Estate Loans/Lines of Credit8.008$268,882
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured5.953$1,717,580
 13. Commercial Loans/Lines of Credit Not Real Estate Secured4.002$351,425
 14. TOTAL LOANS & LEASES3,428$32,886,892
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date1,766$14,046,244
  a. Payday Alternative Loans (PALs I and PALs II) Granted Year-to-Date7$4,300
MISCELLANEOUS LOAN INFORMATIONNumberAmount
 16. Non-Federally Guaranteed Student Loans in Deferred Status0$0
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff9$240,022
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