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National Credit Union Service Organization

FINANCIAL BUILDERS 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 FINANCIAL BUILDERS FEDERAL CREDIT UNION as of: December 31, 2023.
Charter Number: 16213

ASSETS$ Amount
CASH:  
 1. Cash on Hand 1,647,260
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 2,904,275
 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 23,536,260
 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 219,825
 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 100,930,781
 17. Less: Allowance for Loan & Lease Losses 0
 18: Less: Allowance for Credit Losses on Loans & Leases 1,464,415
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 247,656
 20. Land and Building 564,729
 21. Other Fixed Assets 115,701
 22. NCUA Share Insurance Capitalization Deposit 1,212,974
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 138,868,824
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 1,295,172
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 28,611,355
 12. Regular Shares 43,437,893
 13. Money Market Shares 6,252,966
 14. Share Certificates 23,040,751
 15. IRA/KEOGH Accounts 3,599,953
 16. All Other Shares 1,774,503
 17. TOTAL SHARES 106,717,423
 18. Nonmember Deposits 13,596,000
 19. TOTAL SHARES AND DEPOSITS 120,313,423
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) 23,733,396
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 2,128,747
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 1,236,236
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 57,804
EQUITY:  
 33. Undivided Earnings 16,036,763
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 1,223,466
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 0
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 138,868,824
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 5,878,203
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 778,996
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 6,657,199
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 1,228,315
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 402
 9. TOTAL INTEREST EXPENSE 1,228,717
 10. Provision for Loan & Lease Losses 0
 11. Total Credit Loss Expense 838,654
 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 1,084,298
 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 -11,869
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 21,943
 21. TOTAL NON-INTEREST INCOME 2,322,851
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 2,577,759
 23. Travel and Conference Expense 9,024
 24. Office Occupancy Expense 134,669
 25. Office Operations Expense 1,121,027
 26. Educational and Promotional Expenses 234,058
 27. Loan Servicing Expense 197,046
 28. Professional and Outside Services 1,370,475
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 0
 31. Miscellaneous Operating Expenses 491,129
 32. TOTAL NON-INTEREST EXPENSE 6,135,187
33. NET INCOME (LOSS) 777,492
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 Loans9.611,422$2,599,780
 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 loans10.121,070$5,312,889
 5. New Vehicle Loans4.89431$11,995,368
 6. Used Vehicle Loans6.732,012$30,845,964
 7. Leases Receivable5.142$54,313
 8. All Other Secured Non-Real Estate Loans/Lines of Credit6.42341$6,473,873
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property4.46460$29,122,153
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property7.22405$14,435,106
 11. All Other Real Estate Loans/Lines of Credit4.691$39,644
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.631$51,692
 13. Commercial Loans/Lines of Credit Not Real Estate Secured0.000$0
 14. TOTAL LOANS & LEASES6,145$100,930,782
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date1,784$35,225,164
  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 Staff16$333,985
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