Credit Unions Near Me
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: March 31, 2021.
Charter Number: 16213

ASSETS$ Amount
CASH:  
 1. Cash on Hand 957,107
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 26,466,026
 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 5,627,253
 8. Deposits in commercial banks, S&Ls, savings banks 6,946,000
 9. Loans to and investments in natural person credit unions 744,000
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 143,425
 12. All other investments in corporate credit unions 0
 13. All other investments 0
 14. TOTAL INVESTMENTS 13,460,678
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 86,280,170
 17. Less: Allowance for Loan & Lease Losses 670,188
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 121,359
 20. Land and Building 719,047
 21. Other Fixed Assets 177,396
 22. NCUA Share Insurance Capitalization Deposit 1,035,133
 23. Intangible Assets 0
 24. Other Assets 5,020,556
25. TOTAL ASSETS 133,567,284
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 796,904
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 31,981,096
 12. Regular Shares 49,171,362
 13. Money Market Shares 8,075,877
 14. Share Certificates 12,021,132
 15. IRA/KEOGH Accounts 3,808,235
 16. All Other Shares 1,526,685
 17. TOTAL SHARES 106,584,387
 18. Nonmember Deposits 11,804,000
 19. TOTAL SHARES AND DEPOSITS 118,388,387
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 81,938
 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) 14,850,655
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 1,728,897
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 958,781
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 38,323
EQUITY:  
 33. Undivided Earnings 13,158,527
 34. Regular Reserves 1,223,466
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 0
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 133,567,284
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 1,166,238
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 21,359
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 1,187,597
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 149,464
 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 149,464
 10. Provision for Loan & Lease Losses 25,000
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 1,013,133
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 199,171
 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) 0
 21. TOTAL NON-INTEREST INCOME 489,872
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 592,226
 23. Travel and Conference Expense 9,000
 24. Office Occupancy Expense 43,578
 25. Office Operations Expense 194,057
 26. Educational and Promotional Expenses 25,903
 27. Loan Servicing Expense 34,855
 28. Professional and Outside Services 302,432
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 0
 31. Miscellaneous Operating Expenses 63,863
 32. TOTAL NON-INTEREST EXPENSE 1,265,914
33. NET INCOME (LOSS) 237,091
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 Loans10.731,430$2,259,008
 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 loans9.111,281$5,112,556
 5. New Vehicle Loans4.47511$11,915,064
 6. Used Vehicle Loans5.821,744$22,648,306
 7. Leases Receivable5.043$127,900
 8. All Other Secured Non-Real Estate Loans/Lines of Credit6.15285$4,661,546
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property4.23461$29,526,306
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property5.37350$9,817,402
 11. All Other Real Estate Loans/Lines of Credit4.251$34,558
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.631$177,524
 13. Commercial Loans/Lines of Credit Not Real Estate Secured0.000$0
 14. TOTAL LOANS & LEASES6,067$86,280,170
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date345$7,680,895
  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 Staff21$185,827
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