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National Credit Union Service Organization

INFIRST 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 INFIRST FEDERAL CREDIT UNION as of: March 31, 2022.
Charter Number: 233

ASSETS$ Amount
CASH:  
 1. Cash on Hand 2,806,558
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 8,579,294
 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 19,159,513
 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 0
 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 110,731
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 188,076,541
 17. Less: Allowance for Loan & Lease Losses 863,730
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 20,988
 20. Land and Building 5,480,883
 21. Other Fixed Assets 1,105,788
 22. NCUA Share Insurance Capitalization Deposit 1,936,024
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 237,395,474
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 5,500,000
 2. Other Notes, Promissory Notes and Interest Payable 0
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 5,500,000
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 1,843,104
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 46,465,278
 12. Regular Shares 57,720,819
 13. Money Market Shares 26,877,417
 14. Share Certificates 36,997,860
 15. IRA/KEOGH Accounts 8,178,201
 16. All Other Shares 0
 17. TOTAL SHARES 176,239,575
 18. Nonmember Deposits 36,163,959
 19. TOTAL SHARES AND DEPOSITS 212,403,534
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 0
 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) 41,511,751
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 2,021,500
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 197
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 26,580
EQUITY:  
 33. Undivided Earnings 9,788,708
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 9,105,469
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 51,445
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -1,296,786
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 237,395,474
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 1,679,490
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 79,735
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 1,759,225
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 346,055
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 11,584
 9. TOTAL INTEREST EXPENSE 357,639
 10. Provision for Loan & Lease Losses -217,499
 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 334,853
 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 0
 18. Gain (Loss) on Disposition of Fixed Assets 0
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 653,062
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 1,066,158
 23. Travel and Conference Expense 16,299
 24. Office Occupancy Expense 122,250
 25. Office Operations Expense 267,872
 26. Educational and Promotional Expenses 36,162
 27. Loan Servicing Expense 405,135
 28. Professional and Outside Services 191,881
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 9,955
 31. Miscellaneous Operating Expenses 11,145
 32. TOTAL NON-INTEREST EXPENSE 2,126,857
33. NET INCOME (LOSS) 145,290
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 Loans9.242,859$6,287,110
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans0.000$0
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans6.232,303$8,267,535
 5. New Vehicle Loans6.21451$8,649,893
 6. Used Vehicle Loans4.192,781$53,363,092
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit5.76385$6,210,286
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.68597$86,249,924
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property5.88406$8,590,732
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.1415$9,838,148
 13. Commercial Loans/Lines of Credit Not Real Estate Secured4.001$619,821
 14. TOTAL LOANS & LEASES9,798$188,076,541
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date859$35,765,286
  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 Staff18$1,021,565
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 Administration0$0$0
  b. Other Government Guaranteed0$0$0