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National Credit Union Service Organization

PEOPLES 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 PEOPLES FEDERAL CREDIT UNION as of: December 31, 2021.
Charter Number: 16993

ASSETS$ Amount
CASH:  
 1. Cash on Hand 1,479,127
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 3,392,788
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 999,000
INVESTMENTS:  
 4. Equity Securities 0
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 201
 7. Held-to-Maturity Debt Securities 357
 8. Deposits in commercial banks, S&Ls, savings banks 2,249,000
 9. Loans to and investments in natural person credit unions 1,996,000
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 573,981
 12. All other investments in corporate credit unions 0
 13. All other investments 0
 14. TOTAL INVESTMENTS 4,819,539
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 105,222,663
 17. Less: Allowance for Loan & Lease Losses 866,130
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 120,354
 20. Land and Building 2,734,553
 21. Other Fixed Assets 239,605
 22. NCUA Share Insurance Capitalization Deposit 985,810
 23. Intangible Assets 0
 24. Other Assets 1,381,221
25. TOTAL ASSETS 120,508,530
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 1,028
 9. Accounts Payable and Other Liabilities 453,095
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 19,672,284
 12. Regular Shares 62,461,720
 13. Money Market Shares 0
 14. Share Certificates 14,129,358
 15. IRA/KEOGH Accounts 6,950,109
 16. All Other Shares 0
 17. TOTAL SHARES 103,213,471
 18. Nonmember Deposits 3,730,000
 19. TOTAL SHARES AND DEPOSITS 106,943,471
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) 11,292,816
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 2,380,689
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 265,863
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 40,227
EQUITY:  
 33. Undivided Earnings 10,878,367
 34. Regular Reserves 2,232,571
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -2
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 120,508,530
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 4,693,771
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 422,208
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 5,115,979
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 232,873
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 12,272
 9. TOTAL INTEREST EXPENSE 245,145
 10. Provision for Loan & Lease Losses 278,172
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 4,592,662
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 529,083
 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 596
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 1,704,291
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 2,237,404
 23. Travel and Conference Expense 14,596
 24. Office Occupancy Expense 315,880
 25. Office Operations Expense 417,751
 26. Educational and Promotional Expenses 46,410
 27. Loan Servicing Expense 432,460
 28. Professional and Outside Services 460,451
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 22,132
 31. Miscellaneous Operating Expenses 64,640
 32. TOTAL NON-INTEREST EXPENSE 4,011,724
33. NET INCOME (LOSS) 2,285,229
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 Loans0.000$0
 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 loans7.995,863$3,827,530
 5. New Vehicle Loans3.99446$11,093,062
 6. Used Vehicle Loans5.502,499$36,162,514
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit4.00602$10,024,790
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property2.50372$33,775,365
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property4246$3,734,635
 11. All Other Real Estate Loans/Lines of Credit6.3029$875,440
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.3623$5,729,327
 13. Commercial Loans/Lines of Credit Not Real Estate Secured0.000$0
 14. TOTAL LOANS & LEASES10,080$105,222,663
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date5,247$57,454,978
  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 Staff30$1,619,686
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