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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, 2021.
Charter Number: 227

ASSETS$ Amount
CASH:  
 1. Cash on Hand 19,428,209
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 535,375,638
 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 2,104,145,082
 7. Held-to-Maturity Debt Securities 0
 8. Deposits in commercial banks, S&Ls, savings banks 2,736,000
 9. Loans to and investments in natural person credit unions 1,491,000
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 5,782,669
 12. All other investments in corporate credit unions 0
 13. All other investments 234,277,150
 14. TOTAL INVESTMENTS 2,348,431,901
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 3,910,277,179
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 23,748,640,133
 17. Less: Allowance for Loan & Lease Losses 251,355,174
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 19,302,883
 20. Land and Building 299,803,356
 21. Other Fixed Assets 236,714,675
 22. NCUA Share Insurance Capitalization Deposit 184,809,348
 23. Intangible Assets 143,832,608
 24. Other Assets 1,324,764,623
25. TOTAL ASSETS 32,520,025,379
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 0
 2. Other Notes, Promissory Notes and Interest Payable 5,847,259,844
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 5,847,259,844
 7. Non-Trading Derivative Liabilities 17,651,232
 8. Accrued Dividends & Interest Payable on Shares & Deposits 10,286,114
 9. Accounts Payable and Other Liabilities 456,004,680
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 2,093,612,287
 12. Regular Shares 8,371,028,326
 13. Money Market Shares 3,866,230,376
 14. Share Certificates 6,714,834,411
 15. IRA/KEOGH Accounts 1,717,386,776
 16. All Other Shares 0
 17. TOTAL SHARES 22,763,092,176
 18. Nonmember Deposits 324,889,326
 19. TOTAL SHARES AND DEPOSITS 23,087,981,502
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 2,054,634,114
 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) 3,976,440,159
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 654,169,397
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 654,583,496
 31. Dollar Amount of Commercial Share Accounts 4,157,102
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 4,588,789
EQUITY:  
 33. Undivided Earnings 2,969,571,570
 34. Regular Reserves 90,900,456
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 78,095,811
 38. Miscellaneous Equity 2,762,389
 39. Other Comprehensive Income (not already included in items 40 - 43) -29,237,994
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 5,052,613
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -16,302,838
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 32,520,025,379
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 1,020,421,605
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 35,360,544
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 1,055,782,149
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 174,200,125
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 72,297,882
 9. TOTAL INTEREST EXPENSE 246,498,007
 10. Provision for Loan & Lease Losses 135,107,285
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 674,176,857
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 52,856,206
 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 -25,620,304
 18. Gain (Loss) on Disposition of Fixed Assets 1,359,974
 19. Gain from Bargain Purchase (Merger) 8,331,525
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 483,689,519
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 381,951,107
 23. Travel and Conference Expense 3,450,930
 24. Office Occupancy Expense 30,640,520
 25. Office Operations Expense 142,553,667
 26. Educational and Promotional Expenses 65,280,592
 27. Loan Servicing Expense 113,643,375
 28. Professional and Outside Services 75,655,028
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 1,078,582
 31. Miscellaneous Operating Expenses 48,093,879
 32. TOTAL NON-INTEREST EXPENSE 862,347,680
33. NET INCOME (LOSS) 295,518,696
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 Loans13.49889,416$1,805,415,017
 2. Payday Alternative Loans (PALs I and PALs II)0.001$500
 3. Non-Federally Guaranteed Student Loans6.5029,802$1,209,504,565
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans4.99479,450$2,361,158,964
 5. New Vehicle Loans1.9985,973$1,967,290,939
 6. Used Vehicle Loans2.59193,575$3,244,248,819
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit2.0550,050$655,685,323
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property2.2526,107$8,970,181,499
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property3.7532,495$2,186,119,535
 11. All Other Real Estate Loans/Lines of Credit2.603$37,759
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured2.60105$1,263,628,822
 13. Commercial Loans/Lines of Credit Not Real Estate Secured3.011,118$85,368,391
 14. TOTAL LOANS & LEASES1,788,095$23,748,640,133
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date398,400$32,313,888,353
  a. Payday Alternative Loans (PALs I and PALs II) Granted Year-to-Date115$119,277
MISCELLANEOUS LOAN INFORMATIONNumberAmount
 16. Non-Federally Guaranteed Student Loans in Deferred Status1,949$502,235
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff97$1,961,913
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$336,222$0
  b. Other Government Guaranteed0$0$0