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National Credit Union Service Organization

ACADIA 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 ACADIA FEDERAL CREDIT UNION as of: December 31, 2023.
Charter Number: 15619

ASSETS$ Amount
CASH:  
 1. Cash on Hand 5,289,726
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 12,111,896
 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 0
 7. Held-to-Maturity Debt Securities 9,388,754
 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 438,366
 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 277,339,315
 17. Less: Allowance for Loan & Lease Losses 0
 18: Less: Allowance for Credit Losses on Loans & Leases 1,823,086
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 0
 20. Land and Building 6,914,862
 21. Other Fixed Assets 832,085
 22. NCUA Share Insurance Capitalization Deposit 2,623,346
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 332,844,166
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 1,133,307
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 16,340
SHARES/DEPOSITS:  
 11. Share Drafts 62,643,191
 12. Regular Shares 81,113,470
 13. Money Market Shares 39,871,213
 14. Share Certificates 81,665,790
 15. IRA/KEOGH Accounts 27,681,936
 16. All Other Shares 928,296
 17. TOTAL SHARES 293,903,895
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 293,903,895
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 5,861,085
 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) 81,533,623
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 27,634,736
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 40,494,322
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 15,199
EQUITY:  
 33. Undivided Earnings 30,761,234
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 7,029,390
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 0
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 332,844,166
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 14,176,590
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 842,598
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 15,019,188
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 3,230,198
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 70,244
 9. TOTAL INTEREST EXPENSE 3,300,442
 10. Provision for Loan & Lease Losses 0
 11. Total Credit Loss Expense 355,083
 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 632,668
 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 900
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 125,000
 21. TOTAL NON-INTEREST INCOME 2,526,856
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 6,188,653
 23. Travel and Conference Expense 100,915
 24. Office Occupancy Expense 814,452
 25. Office Operations Expense 885,313
 26. Educational and Promotional Expenses 234,101
 27. Loan Servicing Expense 787,341
 28. Professional and Outside Services 1,780,106
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 48,631
 31. Miscellaneous Operating Expenses 54,570
 32. TOTAL NON-INTEREST EXPENSE 10,894,082
33. NET INCOME (LOSS) 2,996,437
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 Loans11.901,679$4,961,495
 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 loans11.901,292$4,710,221
 5. New Vehicle Loans7.00617$16,573,173
 6. Used Vehicle Loans8.002,178$38,313,462
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit7.001,575$18,624,817
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property7.751,605$121,518,268
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property8.5361$10,439,644
 11. All Other Real Estate Loans/Lines of Credit6.7516$726,277
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured6.06177$40,103,814
 13. Commercial Loans/Lines of Credit Not Real Estate Secured8.50312$21,368,144
 14. TOTAL LOANS & LEASES9,812$277,339,315
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date2,712$100,687,872
  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 Staff27$1,388,263
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration7$141,545$119,062
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)4$72,298-
  b. Other Government Guaranteed5$1,449,734$1,091,492
 19. Commercial Loans  
  a. Small Business Administration9$1,106,360$637,430
  b. Other Government Guaranteed28$6,776,658$4,898,822