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National Credit Union Service Organization

PENTAGON 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 PENTAGON FEDERAL CREDIT UNION as of: March 31, 2021.
Charter Number: 227

ASSETS$ Amount
CASH:  
 1. Cash on Hand 22,655,335
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 2,477,624,052
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 261,134,250
INVESTMENTS:  
 4. Equity Securities 0
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 2,012,776,696
 7. Held-to-Maturity Debt Securities 0
 8. Deposits in commercial banks, S&Ls, savings banks 6,168,000
 9. Loans to and investments in natural person credit unions 2,485,000
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 1,121,309
 12. All other investments in corporate credit unions 0
 13. All other investments 154,346,272
 14. TOTAL INVESTMENTS 2,176,897,277
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 1,270,378,507
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 19,205,357,364
 17. Less: Allowance for Loan & Lease Losses 252,536,130
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 10,924,724
 20. Land and Building 311,589,223
 21. Other Fixed Assets 228,042,981
 22. NCUA Share Insurance Capitalization Deposit 169,541,788
 23. Intangible Assets 145,325,221
 24. Other Assets 1,227,978,317
25. TOTAL ASSETS 27,254,912,909
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 0
 2. Other Notes, Promissory Notes and Interest Payable 3,723,749,686
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 3,723,749,686
 7. Non-Trading Derivative Liabilities 35,443,313
 8. Accrued Dividends & Interest Payable on Shares & Deposits 9,477,170
 9. Accounts Payable and Other Liabilities 436,935,295
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 1,917,150,818
 12. Regular Shares 7,301,717,750
 13. Money Market Shares 3,082,820,318
 14. Share Certificates 6,138,128,767
 15. IRA/KEOGH Accounts 1,772,179,977
 16. All Other Shares 0
 17. TOTAL SHARES 20,211,997,630
 18. Nonmember Deposits 813,535
 19. TOTAL SHARES AND DEPOSITS 20,212,811,165
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 669,379,150
 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) 3,049,980,046
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 673,202,076
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 687,579,366
 31. Dollar Amount of Commercial Share Accounts 1,514,521
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 1,426,421
EQUITY:  
 33. Undivided Earnings 2,731,255,028
 34. Regular Reserves 90,900,456
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 76,027,736
 38. Miscellaneous Equity 1,784,551
 39. Other Comprehensive Income (not already included in items 40 - 43) -40,508,370
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges -24,055,851
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 1,092,730
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 27,254,912,909
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 230,671,670
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 8,787,980
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 239,459,650
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 44,797,843
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 20,851,111
 9. TOTAL INTEREST EXPENSE 65,648,954
 10. Provision for Loan & Lease Losses 40,561,396
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 133,249,300
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 14,396,532
 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 -7,413,194
 18. Gain (Loss) on Disposition of Fixed Assets -4,075
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 112,154,814
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 80,327,054
 23. Travel and Conference Expense 394,889
 24. Office Occupancy Expense 7,964,771
 25. Office Operations Expense 33,291,855
 26. Educational and Promotional Expenses 14,179,854
 27. Loan Servicing Expense 24,562,229
 28. Professional and Outside Services 15,392,931
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 305,700
 31. Miscellaneous Operating Expenses 11,782,676
 32. TOTAL NON-INTEREST EXPENSE 188,201,959
33. NET INCOME (LOSS) 57,202,155
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 Loans13.49737,350$1,686,472,773
 2. Payday Alternative Loans (PALs I and PALs II)0.001,738$10,958
 3. Non-Federally Guaranteed Student Loans6.5025,396$1,172,618,485
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans5.99399,161$1,584,928,549
 5. New Vehicle Loans2.7483,701$1,714,546,865
 6. Used Vehicle Loans3.89143,350$2,006,141,800
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit2.0527,399$247,456,905
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property2.2526,155$7,701,704,962
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property3.7541,669$2,244,274,788
 11. All Other Real Estate Loans/Lines of Credit6.003$83,492
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured2.9899$778,680,592
 13. Commercial Loans/Lines of Credit Not Real Estate Secured4.03820$68,437,195
 14. TOTAL LOANS & LEASES1,486,841$19,205,357,364
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date83,154$5,128,557,313
  a. Payday Alternative Loans (PALs I and PALs II) Granted Year-to-Date18$22,686
MISCELLANEOUS LOAN INFORMATIONNumberAmount
 16. Non-Federally Guaranteed Student Loans in Deferred Status1,852$568,539
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff83$5,649,007
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 Administration3$917,506$0
  b. Other Government Guaranteed0$0$0