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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: June 30, 2021.
Charter Number: 227

ASSETS$ Amount
CASH:  
 1. Cash on Hand 21,798,953
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 1,316,862,493
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 278,633,965
INVESTMENTS:  
 4. Equity Securities 0
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 2,190,941,017
 7. Held-to-Maturity Debt Securities 0
 8. Deposits in commercial banks, S&Ls, savings banks 4,972,000
 9. Loans to and investments in natural person credit unions 2,236,000
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 5,824,838
 12. All other investments in corporate credit unions 0
 13. All other investments 151,105,326
 14. TOTAL INVESTMENTS 2,355,079,181
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 835,891,943
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 20,941,627,405
 17. Less: Allowance for Loan & Lease Losses 251,626,537
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 12,139,323
 20. Land and Building 309,952,976
 21. Other Fixed Assets 230,185,589
 22. NCUA Share Insurance Capitalization Deposit 178,377,606
 23. Intangible Assets 145,663,470
 24. Other Assets 1,278,093,400
25. TOTAL ASSETS 27,652,679,767
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 0
 2. Other Notes, Promissory Notes and Interest Payable 3,626,213,316
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 3,626,213,316
 7. Non-Trading Derivative Liabilities 47,698,173
 8. Accrued Dividends & Interest Payable on Shares & Deposits 9,566,969
 9. Accounts Payable and Other Liabilities 517,115,953
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 2,001,572,611
 12. Regular Shares 7,811,018,414
 13. Money Market Shares 3,107,200,222
 14. Share Certificates 5,854,157,105
 15. IRA/KEOGH Accounts 1,754,904,280
 16. All Other Shares 0
 17. TOTAL SHARES 20,528,852,632
 18. Nonmember Deposits 813,535
 19. TOTAL SHARES AND DEPOSITS 20,529,666,167
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 652,789,809
 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) 2,891,190,348
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 667,480,843
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 680,796,467
 31. Dollar Amount of Commercial Share Accounts 1,811,523
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 2,191,000
EQUITY:  
 33. Undivided Earnings 2,806,850,483
 34. Regular Reserves 90,900,456
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 78,095,811
 38. Miscellaneous Equity 1,836,577
 39. Other Comprehensive Income (not already included in items 40 - 43) -40,508,370
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges -26,135,938
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 11,380,170
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 27,652,679,767
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 467,112,613
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 17,331,469
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 484,444,082
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 89,394,788
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 35,924,697
 9. TOTAL INTEREST EXPENSE 125,319,485
 10. Provision for Loan & Lease Losses 68,626,154
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 290,498,443
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 19,183,142
 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 -8,247,278
 18. Gain (Loss) on Disposition of Fixed Assets -56,753
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 232,681,859
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 172,272,817
 23. Travel and Conference Expense 1,111,716
 24. Office Occupancy Expense 14,638,678
 25. Office Operations Expense 68,276,973
 26. Educational and Promotional Expenses 29,181,858
 27. Loan Servicing Expense 51,126,839
 28. Professional and Outside Services 32,751,986
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 534,787
 31. Miscellaneous Operating Expenses 20,487,039
 32. TOTAL NON-INTEREST EXPENSE 390,382,693
33. NET INCOME (LOSS) 132,797,609
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 Loans13.49661,506$1,722,980,683
 2. Payday Alternative Loans (PALs I and PALs II)0.001,769$27,623
 3. Non-Federally Guaranteed Student Loans6.5029,203$1,167,216,658
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans5.99426,319$1,927,884,835
 5. New Vehicle Loans1.9985,397$1,845,152,106
 6. Used Vehicle Loans2.59156,177$2,372,307,440
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit2.0538,097$418,794,897
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property2.2525,641$8,402,562,339
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property3.7540,614$2,185,337,164
 11. All Other Real Estate Loans/Lines of Credit3.752$39,582
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured2.4595$823,988,861
 13. Commercial Loans/Lines of Credit Not Real Estate Secured4.10802$75,335,217
 14. TOTAL LOANS & LEASES1,465,622$20,941,627,405
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date180,728$12,880,529,296
  a. Payday Alternative Loans (PALs I and PALs II) Granted Year-to-Date73$75,574
MISCELLANEOUS LOAN INFORMATIONNumberAmount
 16. Non-Federally Guaranteed Student Loans in Deferred Status2,037$664,112
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff88$4,857,476
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 Administration2$342,606$0
  b. Other Government Guaranteed0$0$0