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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: September 30, 2022.
Charter Number: 227

ASSETS$ Amount
CASH:  
 1. Cash on Hand 25,551,330
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 690,342,709
 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 2,514,874,298
 7. Held-to-Maturity Debt Securities 0
 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 6,035,502
 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 373,672,389
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 29,808,317,458
 17. Less: Allowance for Loan & Lease Losses 267,953,657
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 27,040,794
 20. Land and Building 287,929,436
 21. Other Fixed Assets 285,148,216
 22. NCUA Share Insurance Capitalization Deposit 207,976,765
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 35,882,996,822
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 0
 2. Other Notes, Promissory Notes and Interest Payable 4,823,029,291
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 4,823,029,291
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 11,310,100
 9. Accounts Payable and Other Liabilities 488,923,829
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 2,155,222,677
 12. Regular Shares 8,503,628,111
 13. Money Market Shares 3,702,185,718
 14. Share Certificates 10,454,228,902
 15. IRA/KEOGH Accounts 1,914,396,814
 16. All Other Shares 0
 17. TOTAL SHARES 26,729,662,222
 18. Nonmember Deposits 411,713,000
 19. TOTAL SHARES AND DEPOSITS 27,141,375,222
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 1,378,819,133
 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) 6,618,989,128
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 803,512,173
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 823,411,595
 31. Dollar Amount of Commercial Share Accounts 30,711,092
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 3,478,811
EQUITY:  
 33. Undivided Earnings 3,059,732,036
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 79,013,845
 38. Miscellaneous Equity 2,735,551
 39. Other Comprehensive Income (not already included in items 40 - 43) -29,237,994
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 381,848,240
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -283,600,193
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 207,866,895
44. TOTAL LIABILITIES, SHARES, AND EQUITY 35,882,996,822
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 1,016,593,313
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 41,201,119
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 1,057,794,432
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 175,763,510
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 68,033,256
 9. TOTAL INTEREST EXPENSE 243,796,766
 10. Provision for Loan & Lease Losses 173,843,215
 11. Total Credit Loss Expense 0
 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 124,295,799
 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 186,917,162
 18. Gain (Loss) on Disposition of Fixed Assets 847,751
 19. Gain from Bargain Purchase (Merger) 2,618,444
 20. Other Non-operating Income (Expense) 77,514,590
 21. TOTAL NON-INTEREST INCOME 289,932,877
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 337,431,903
 23. Travel and Conference Expense 3,812,959
 24. Office Occupancy Expense 24,526,105
 25. Office Operations Expense 113,772,399
 26. Educational and Promotional Expenses 59,362,343
 27. Loan Servicing Expense 78,179,510
 28. Professional and Outside Services 63,088,155
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 689,867
 31. Miscellaneous Operating Expenses 41,357,192
 32. TOTAL NON-INTEREST EXPENSE 722,220,433
33. NET INCOME (LOSS) 207,866,895
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 Loans16.491,029,020$1,982,420,315
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans7.7431,071$1,325,611,275
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans7.74507,544$2,592,212,508
 5. New Vehicle Loans5.4975,117$1,582,893,787
 6. Used Vehicle Loans6.34230,079$3,673,864,294
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit2.0559,898$1,084,093,913
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.5730,643$13,283,171,671
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property4.5438,875$2,502,167,746
 11. All Other Real Estate Loans/Lines of Credit4.006$601,107
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.7194$1,694,709,734
 13. Commercial Loans/Lines of Credit Not Real Estate Secured4.50936$86,571,108
 14. TOTAL LOANS & LEASES2,003,283$29,808,317,458
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date365,135$20,280,608,438
  a. Payday Alternative Loans (PALs I and PALs II) Granted Year-to-Date0$0
MISCELLANEOUS LOAN INFORMATIONNumberAmount
 16. Non-Federally Guaranteed Student Loans in Deferred Status0$0
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff72$1,899,686
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$324,390$0
  b. Other Government Guaranteed0$0$0