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National Credit Union Service Organization

NYMEO 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 NYMEO FEDERAL CREDIT UNION as of: December 31, 2023.
Charter Number: 16408

ASSETS$ Amount
CASH:  
 1. Cash on Hand 3,794,797
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 26,853,720
 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 64,219,741
 7. Held-to-Maturity Debt Securities 0
 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 480,000
 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 240,028,551
 17. Less: Allowance for Loan & Lease Losses 0
 18: Less: Allowance for Credit Losses on Loans & Leases 1,822,540
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 148,772
 20. Land and Building 2,671,833
 21. Other Fixed Assets 1,081,399
 22. NCUA Share Insurance Capitalization Deposit 2,964,712
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 357,294,042
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 5,000,000
 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 5,000,000
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 4,980,034
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 79,264,427
 12. Regular Shares 119,738,816
 13. Money Market Shares 40,919,415
 14. Share Certificates 66,372,331
 15. IRA/KEOGH Accounts 8,049,104
 16. All Other Shares 548,225
 17. TOTAL SHARES 314,892,318
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 314,892,318
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) 36,555,223
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 3,163,329
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 11,074,379
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 209,568
EQUITY:  
 33. Undivided Earnings 38,789,607
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 181,331
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -6,549,248
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 357,294,042
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 12,623,278
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 3,469,461
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 16,092,739
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 2,452,369
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 102,099
 9. TOTAL INTEREST EXPENSE 2,554,468
 10. Provision for Loan & Lease Losses 0
 11. Total Credit Loss Expense 807,515
 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 1,249,180
 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 -15,995
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 90,513
 21. TOTAL NON-INTEREST INCOME 2,975,907
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 6,081,309
 23. Travel and Conference Expense 87,448
 24. Office Occupancy Expense 638,728
 25. Office Operations Expense 3,156,045
 26. Educational and Promotional Expenses 609,793
 27. Loan Servicing Expense 637,408
 28. Professional and Outside Services 1,502,162
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 57,638
 31. Miscellaneous Operating Expenses 51,743
 32. TOTAL NON-INTEREST EXPENSE 12,822,274
33. NET INCOME (LOSS) 2,884,389
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 Loans10.902,539$9,901,977
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans11.2595$3,325,418
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans18.002,611$16,665,383
 5. New Vehicle Loans2.99552$11,734,162
 6. Used Vehicle Loans2.991,804$25,292,161
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit8.99271$6,756,122
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.50661$116,157,239
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property9.25566$26,167,996
 11. All Other Real Estate Loans/Lines of Credit5.886$474,536
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured5.5038$23,199,040
 13. Commercial Loans/Lines of Credit Not Real Estate Secured14.755$354,517
 14. TOTAL LOANS & LEASES9,148$240,028,551
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date2,837$78,739,837
  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 Staff23$1,247,899
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