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 P & G MEHOOPANY EMPLOYEES FEDERAL CREDIT UNION as of: December 31, 2023.
Charter Number: 20861
ASSETS | $ Amount |
---|---|
CASH: | |
1. Cash on Hand | 2,854,969 |
2. Cash on Deposit (Amounts Deposited in Financial Institutions) | 11,114,023 |
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 | 149,218 |
7. Held-to-Maturity Debt Securities | 40,105,086 |
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 | 433,037 |
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 | 77,583,713 |
17. Less: Allowance for Loan & Lease Losses | 0 |
18: Less: Allowance for Credit Losses on Loans & Leases | 837,072 |
OTHER ASSETS: | |
19. Foreclosed and Repossessed Assets | 0 |
20. Land and Building | 1,651,087 |
21. Other Fixed Assets | 119,924 |
22. NCUA Share Insurance Capitalization Deposit | 1,527,113 |
23. Intangible Assets | 0 |
24. Other Assets | 0 |
25. TOTAL ASSETS | 173,777,234 |
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 | 71,347 |
9. Accounts Payable and Other Liabilities | 263,697 |
10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures | 0 |
SHARES/DEPOSITS: | |
11. Share Drafts | 38,200,961 |
12. Regular Shares | 92,560,826 |
13. Money Market Shares | 1,822,124 |
14. Share Certificates | 15,794,076 |
15. IRA/KEOGH Accounts | 3,448,527 |
16. All Other Shares | 0 |
17. TOTAL SHARES | 151,826,514 |
18. Nonmember Deposits | 0 |
19. TOTAL SHARES AND DEPOSITS | 151,826,514 |
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) | 7,639,277 |
29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 | 726,647 |
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 | 5,655,741 |
32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit | 14,017 |
EQUITY: | |
33. Undivided Earnings | 21,630,586 |
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 | 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 | -14,910 |
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 | 173,777,234 |
Statement of Income & Expense | $ Amount |
---|---|
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE | |
1. Interest on Loans (Gross-before interest refunds) | 3,832,090 |
2. (Less) Interest Refunded | 0 |
3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) | 3,056,964 |
4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities | 0 |
5. TOTAL INTEREST INCOME | 6,889,054 |
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE | |
6. Dividends on Shares (Includes dividends earned during current period) | 579,974 |
7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) | 0 |
8. Interest on Borrowed Money | 1 |
9. TOTAL INTEREST EXPENSE | 579,975 |
10. Provision for Loan & Lease Losses | 0 |
11. Total Credit Loss Expense | 162,558 |
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 | 505,132 |
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 | -80 |
19. Gain from Bargain Purchase (Merger) | 0 |
20. Other Non-operating Income (Expense) | 82,756 |
21. TOTAL NON-INTEREST INCOME | 1,373,245 |
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE | |
22. Total Employee Compensation and Benefits | 2,657,206 |
23. Travel and Conference Expense | 13,878 |
24. Office Occupancy Expense | 310,084 |
25. Office Operations Expense | 448,131 |
26. Educational and Promotional Expenses | 51,119 |
27. Loan Servicing Expense | 539,423 |
28. Professional and Outside Services | 211,554 |
29. Total Member Insurance | 0 |
30. Operating Fees (Examination and/or supervision fees) | 0 |
31. Miscellaneous Operating Expenses | 47,602 |
32. TOTAL NON-INTEREST EXPENSE | 4,278,997 |
33. NET INCOME (LOSS) | 3,240,769 |
RESERVE TRANSFERS YEAR-TO-DATE FOR THE CYCLE | |
34. Transfer to Regular Reserves | 0 |
Interest Rate | # Loans | Amount | |
---|---|---|---|
Non-Commercial Loans/Lines of Credit | |||
1. Unsecured Credit Card Loans | 14.99 | 2,709 | $4,773,500 |
2. Payday Alternative Loans (PALs I and PALs II) | 0.00 | 0 | $0 |
3. Non-Federally Guaranteed Student Loans | 8.55 | 96 | $3,268,422 |
4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans | 12.00 | 989 | $5,834,114 |
5. New Vehicle Loans | 8.30 | 50 | $898,721 |
6. Used Vehicle Loans | 8.30 | 1,458 | $27,143,218 |
7. Leases Receivable | 0.00 | 0 | $0 |
8. All Other Secured Non-Real Estate Loans/Lines of Credit | 7.85 | 65 | $2,130,061 |
9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property | 7.00 | 363 | $29,191,862 |
10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property | 7.65 | 86 | $3,616,838 |
11. All Other Real Estate Loans/Lines of Credit | 0.00 | 0 | $0 |
Commercial Loans / Lines of Credit | |||
12. Commercial Loans/Lines of Credit Real Estate Secured | 9.00 | 3 | $726,977 |
13. Commercial Loans/Lines of Credit Not Real Estate Secured | 0.00 | 0 | $0 |
14. TOTAL LOANS & LEASES | 5,819 | $77,583,713 | |
YEAR-TO-DATE LOAN INFORMATION | Number | Amount | |
15. Loans Granted Year-to-Date | 1,030 | $21,107,243 | |
a. Payday Alternative Loans (PALs I and PALs II) Granted Year-to-Date | 0 | $0 | |
MISCELLANEOUS LOAN INFORMATION | Number | Amount | |
16. Non-Federally Guaranteed Student Loans in Deferred Status | 0 | $0 | |
17. Loans Outstanding to Credit Union Officials and Senior Executive Staff | 9 | $151,005 | |
GOVERNMENT GUARANTEED LOANS | Number | Outstanding Balance | Guaranteed Portion |
18. Non-Commercial Loans | |||
a. 1. Small Business Administration | 0 | $0 | $0 |
a. 2. Paycheck Protection Program Loans (Included in 18.a.1.) | 0 | $0 | - |
b. Other Government Guaranteed | 0 | $0 | $0 |
19. Commercial Loans | |||
a. Small Business Administration | 0 | $0 | $0 |
b. Other Government Guaranteed | 0 | $0 | $0 |