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National Credit Union Service Organization

CENTRAL OKLAHOMA 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 CENTRAL OKLAHOMA FEDERAL CREDIT UNION as of: December 31, 2023.
Charter Number: 24350

ASSETS$ Amount
CASH:  
 1. Cash on Hand 847,895
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 510,076
 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 53,380
 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 25,983,179
 17. Less: Allowance for Loan & Lease Losses 144,143
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 57,063
 20. Land and Building 1,636,994
 21. Other Fixed Assets 307,396
 22. NCUA Share Insurance Capitalization Deposit 279,473
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 36,392,594
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 568,590
 2. Other Notes, Promissory Notes and Interest Payable 1,700,000
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 2,268,590
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 457,773
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 7,112,739
 12. Regular Shares 11,149,338
 13. Money Market Shares 0
 14. Share Certificates 6,196,159
 15. IRA/KEOGH Accounts 2,715,243
 16. All Other Shares 1,206,430
 17. TOTAL SHARES 28,379,909
 18. Nonmember Deposits 992,000
 19. TOTAL SHARES AND DEPOSITS 29,371,909
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 441,159
 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) 2,183,856
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 1,110,465
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 3,628,704
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 5,282
EQUITY:  
 33. Undivided Earnings 3,946,066
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 491,451
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 0
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) -143,195
44. TOTAL LIABILITIES, SHARES, AND EQUITY 36,392,594
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 818,473
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 63,155
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 881,628
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 50,916
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 119
 9. TOTAL INTEREST EXPENSE 51,035
 10. Provision for Loan & Lease Losses -6,361
 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 179,494
 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 382,201
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 806,567
 23. Travel and Conference Expense 10,259
 24. Office Occupancy Expense 64,810
 25. Office Operations Expense 328,657
 26. Educational and Promotional Expenses 56,643
 27. Loan Servicing Expense 28,273
 28. Professional and Outside Services 31,098
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 4,474
 31. Miscellaneous Operating Expenses 31,569
 32. TOTAL NON-INTEREST EXPENSE 1,362,350
33. NET INCOME (LOSS) -143,195
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 Loans0.000$0
 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 loans9.98396$671,428
 5. New Vehicle Loans3.4965$1,827,643
 6. Used Vehicle Loans4.80366$4,526,136
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit3.63178$1,623,493
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property5.83246$15,866,007
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property3.0710$175,967
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured5.8311$1,203,715
 13. Commercial Loans/Lines of Credit Not Real Estate Secured2.484$88,790
 14. TOTAL LOANS & LEASES1,276$25,983,179
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date426$10,950,723
  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 Staff13$205,571
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