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National Credit Union Service Organization

YORK EDUCATIONAL 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 YORK EDUCATIONAL FEDERAL CREDIT UNION as of: March 31, 2021.
Charter Number: 19429

ASSETS$ Amount
CASH:  
 1. Cash on Hand 315,655
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 2,624,606
 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 284,011
 7. Held-to-Maturity Debt Securities 15,363,000
 8. Deposits in commercial banks, S&Ls, savings banks 5,732,000
 9. Loans to and investments in natural person credit unions 1,396,000
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 119,107
 12. All other investments in corporate credit unions 750,000
 13. All other investments 15,000
 14. TOTAL INVESTMENTS 23,659,118
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 12,931,044
 17. Less: Allowance for Loan & Lease Losses 120,164
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 0
 20. Land and Building 296,363
 21. Other Fixed Assets 47,268
 22. NCUA Share Insurance Capitalization Deposit 308,359
 23. Intangible Assets 0
 24. Other Assets 1,743,226
25. TOTAL ASSETS 41,805,475
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 612
 9. Accounts Payable and Other Liabilities 108,191
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 7,602,399
 12. Regular Shares 27,292,262
 13. Money Market Shares 0
 14. Share Certificates 1,275,032
 15. IRA/KEOGH Accounts 2,280,848
 16. All Other Shares 0
 17. TOTAL SHARES 38,450,541
 18. Nonmember Deposits 50
 19. TOTAL SHARES AND DEPOSITS 38,450,591
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) 0
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 641,463
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 0
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 592
EQUITY:  
 33. Undivided Earnings 2,697,850
 34. Regular Reserves 582,720
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -58,194
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 23,705
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 41,805,475
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 157,420
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 83,719
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 241,139
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 7,148
 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 7,148
 10. Provision for Loan & Lease Losses 9,000
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 224,991
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 30,244
 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) 2,525
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 41,016
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 140,039
 23. Travel and Conference Expense 0
 24. Office Occupancy Expense 13,522
 25. Office Operations Expense 27,785
 26. Educational and Promotional Expenses 2,782
 27. Loan Servicing Expense 8,663
 28. Professional and Outside Services 36,011
 29. Total Member Insurance 2,658
 30. Operating Fees (Examination and/or supervision fees) 0
 31. Miscellaneous Operating Expenses 4,228
 32. TOTAL NON-INTEREST EXPENSE 235,688
33. NET INCOME (LOSS) 30,319
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 Loans9.90229$335,344
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans6.2592$3,006,092
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans10.50190$1,214,218
 5. New Vehicle Loans2.1964$1,129,719
 6. Used Vehicle Loans2.69215$2,318,811
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit6.0028$313,993
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.5023$1,673,310
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property4.75112$2,939,557
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured0.000$0
 13. Commercial Loans/Lines of Credit Not Real Estate Secured0.000$0
 14. TOTAL LOANS & LEASES953$12,931,044
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date41$571,933
  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 Status14$563,823
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff7$114,572
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