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National Credit Union Service Organization

UNITED ARKANSAS 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 UNITED ARKANSAS FEDERAL CREDIT UNION as of: December 31, 2023.
Charter Number: 23952

ASSETS$ Amount
CASH:  
 1. Cash on Hand 857,670
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 1,346
 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 0
 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 38,679
 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 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 18,033,719
 17. Less: Allowance for Loan & Lease Losses 0
 18: Less: Allowance for Credit Losses on Loans & Leases 168,752
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 55,351
 20. Land and Building 1,196,205
 21. Other Fixed Assets 343,091
 22. NCUA Share Insurance Capitalization Deposit 251,510
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 27,328,266
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 456,564
 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 456,564
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 970
 9. Accounts Payable and Other Liabilities 98,812
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 2,672,202
 12. Regular Shares 10,504,239
 13. Money Market Shares 5,426,834
 14. Share Certificates 2,284,662
 15. IRA/KEOGH Accounts 2,036,527
 16. All Other Shares 688
 17. TOTAL SHARES 22,925,152
 18. Nonmember Deposits 990,000
 19. TOTAL SHARES AND DEPOSITS 23,915,152
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) 687,034
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 592,654
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 0
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 10,706
EQUITY:  
 33. Undivided Earnings 563,799
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 1,919,234
 37. Equity Acquired in Merger 373,735
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 0
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 27,328,266
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 1,136,340
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 88,184
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 1,224,524
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 233,676
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 28,288
 9. TOTAL INTEREST EXPENSE 261,964
 10. Provision for Loan & Lease Losses 0
 11. Total Credit Loss Expense 491,692
 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 351,700
 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 -3,930
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 2,764
 21. TOTAL NON-INTEREST INCOME 482,112
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 631,632
 23. Travel and Conference Expense 21,595
 24. Office Occupancy Expense 156,341
 25. Office Operations Expense 275,914
 26. Educational and Promotional Expenses 74,247
 27. Loan Servicing Expense 74,057
 28. Professional and Outside Services 501,426
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 16,490
 31. Miscellaneous Operating Expenses 17,222
 32. TOTAL NON-INTEREST EXPENSE 1,768,924
33. NET INCOME (LOSS) -815,944
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 Loans8.70170$279,147
 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 loans6.281,961$1,029,557
 5. New Vehicle Loans5.93273$6,108,554
 6. Used Vehicle Loans3.36805$9,364,650
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit6.3294$1,251,811
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property0.000$0
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property00$0
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured0.000$0
 13. Commercial Loans/Lines of Credit Not Real Estate Secured0.000$0
 14. TOTAL LOANS & LEASES3,303$18,033,719
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date331$6,969,438
  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 Staff4$83,812
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