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National Credit Union Service Organization

HAWAII STATE 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 HAWAII STATE FEDERAL CREDIT UNION as of: December 31, 2023.
Charter Number: 1718

ASSETS$ Amount
CASH:  
 1. Cash on Hand 15,894,661
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 224,141,451
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 45,624,378
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 663,032,319
 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 500
 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 796,331
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 1,224,707,968
 17. Less: Allowance for Loan & Lease Losses 0
 18: Less: Allowance for Credit Losses on Loans & Leases 8,525,413
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 35,622
 20. Land and Building 85,148,966
 21. Other Fixed Assets 21,748,615
 22. NCUA Share Insurance Capitalization Deposit 20,935,379
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 2,379,703,603
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 3,787
 9. Accounts Payable and Other Liabilities 49,044,447
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 112,210
SHARES/DEPOSITS:  
 11. Share Drafts 410,098,320
 12. Regular Shares 663,005,169
 13. Money Market Shares 631,974,346
 14. Share Certificates 415,391,244
 15. IRA/KEOGH Accounts 45,875,036
 16. All Other Shares 0
 17. TOTAL SHARES 2,166,344,115
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 2,166,344,115
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 380,097
 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) 158,007,002
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 11,253,815
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 48,825,975
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 474,061
EQUITY:  
 33. Undivided Earnings 184,574,705
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 25,500,000
 37. Equity Acquired in Merger 227,346
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -46,103,007
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 2,379,703,603
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 60,374,321
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 17,016,671
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 77,390,992
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 18,909,407
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 593,491
 9. TOTAL INTEREST EXPENSE 19,502,898
 10. Provision for Loan & Lease Losses 0
 11. Total Credit Loss Expense 3,895,640
 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 8,140,189
 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 14,589
 18. Gain (Loss) on Disposition of Fixed Assets -15,940
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 987,265
 21. TOTAL NON-INTEREST INCOME 22,957,779
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 40,688,306
 23. Travel and Conference Expense 559,389
 24. Office Occupancy Expense 6,467,618
 25. Office Operations Expense 9,752,723
 26. Educational and Promotional Expenses 2,642,250
 27. Loan Servicing Expense 3,580,848
 28. Professional and Outside Services 6,955,125
 29. Total Member Insurance 2,889
 30. Operating Fees (Examination and/or supervision fees) 372,316
 31. Miscellaneous Operating Expenses 2,294,895
 32. TOTAL NON-INTEREST EXPENSE 73,316,359
33. NET INCOME (LOSS) 3,633,874
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 Loans14.7513,488$35,140,915
 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 loans3.1315,735$197,719,581
 5. New Vehicle Loans3.741,164$23,118,853
 6. Used Vehicle Loans5.991,557$20,048,354
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit2.551,536$13,971,296
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property2.881,589$411,145,745
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property1.753,251$292,292,316
 11. All Other Real Estate Loans/Lines of Credit6.451$29,658
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured2.95105$219,589,566
 13. Commercial Loans/Lines of Credit Not Real Estate Secured2.5021$11,651,684
 14. TOTAL LOANS & LEASES38,447$1,224,707,968
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date8,117$357,414,128
  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 Staff11$1,689,628
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