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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: December 31, 2020.
Charter Number: 227

ASSETS$ Amount
CASH:  
 1. Cash on Hand 20,594,173
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 2,097,621,388
 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 1,715,594,924
 7. Held-to-Maturity Debt Securities 0
 8. Deposits in commercial banks, S&Ls, savings banks 7,659,000
 9. Loans to and investments in natural person credit unions 3,477,000
 10. Nonperpetual Capital Account 880,051
 11. Perpetual Contributed Capital 0
 12. All other investments in corporate credit unions 0
 13. All other investments 176,712,400
 14. TOTAL INVESTMENTS 1,904,323,375
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 1,991,570,712
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 18,952,474,600
 17. Less: Allowance for Loan & Lease Losses 244,748,792
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 10,283,527
 20. Land and Building 315,033,610
 21. Other Fixed Assets 227,352,673
 22. NCUA Share Insurance Capitalization Deposit 169,541,788
 23. Intangible Assets 146,278,600
 24. Other Assets 1,149,924,504
25. TOTAL ASSETS 26,740,250,158
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 0
 2. Other Notes, Promissory Notes and Interest Payable 3,766,882,329
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 3,766,882,329
 7. Non-Trading Derivative Liabilities 81,053,021
 8. Accrued Dividends & Interest Payable on Shares & Deposits 11,716,223
 9. Accounts Payable and Other Liabilities 405,622,534
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 1,718,333,024
 12. Regular Shares 6,485,811,980
 13. Money Market Shares 2,940,799,393
 14. Share Certificates 6,702,242,179
 15. IRA/KEOGH Accounts 1,848,780,222
 16. All Other Shares 0
 17. TOTAL SHARES 19,695,966,798
 18. Nonmember Deposits 919,874
 19. TOTAL SHARES AND DEPOSITS 19,696,886,672
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 740,271,691
 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) 3,373,185,485
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 709,820,103
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 609,318,245
 31. Dollar Amount of Commercial Share Accounts 1,804,770
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 1,528,898
EQUITY:  
 33. Undivided Earnings 2,674,052,874
 34. Regular Reserves 90,900,456
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 76,027,736
 38. Miscellaneous Equity 1,748,919
 39. Other Comprehensive Income (not already included in items 40 - 43) -40,508,370
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges -52,912,926
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 28,780,690
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 26,740,250,158
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 966,700,990
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 45,728,393
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 1,012,429,383
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 243,143,180
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 89,432,987
 9. TOTAL INTEREST EXPENSE 332,576,167
 10. Provision for Loan & Lease Losses 251,793,008
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 428,060,208
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 56,965,558
 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) 281,890,026
 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) 2,785,682
 17. Gain (Loss) on Non-Trading Derivatives 0
 18. Gain (Loss) on Disposition of Fixed Assets -282,843
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 341,358,423
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 286,652,520
 23. Travel and Conference Expense 1,792,928
 24. Office Occupancy Expense 30,127,460
 25. Office Operations Expense 118,116,268
 26. Educational and Promotional Expenses 39,372,685
 27. Loan Servicing Expense 70,101,360
 28. Professional and Outside Services 57,703,722
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 1,221,666
 31. Miscellaneous Operating Expenses 31,287,560
 32. TOTAL NON-INTEREST EXPENSE 636,376,169
33. NET INCOME (LOSS) 133,042,462
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 Loans13.49622,578$1,740,219,557
 2. Payday Alternative Loans (PALs I and PALs II)0.001,769$24,532
 3. Non-Federally Guaranteed Student Loans6.5024,202$1,117,546,953
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans6.49384,134$1,417,321,050
 5. New Vehicle Loans2.7486,836$1,734,251,393
 6. Used Vehicle Loans3.89137,882$1,856,379,614
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit2.0518,873$173,004,282
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property2.5026,450$7,897,624,130
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property3.7544,149$2,343,668,037
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured2.99106$586,469,261
 13. Commercial Loans/Lines of Credit Not Real Estate Secured3.961,357$85,965,791
 14. TOTAL LOANS & LEASES1,348,336$18,952,474,600
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date227,098$15,204,563,098
  a. Payday Alternative Loans (PALs I and PALs II) Granted Year-to-Date347$278,924
MISCELLANEOUS LOAN INFORMATIONNumberAmount
 16. Non-Federally Guaranteed Student Loans in Deferred Status1,865$841,895
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff85$4,842,753
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 Administration5$940,091$0
  b. Other Government Guaranteed0$0$0