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National Credit Union Service Organization

HIWAY 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 HIWAY FEDERAL CREDIT UNION as of: March 31, 2021.
Charter Number: 24360

ASSETS$ Amount
CASH:  
 1. Cash on Hand 7,470,885
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 47,163,198
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 16,155,569
INVESTMENTS:  
 4. Equity Securities 0
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 398,797,529
 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 1,485,500
 14. TOTAL INVESTMENTS 400,283,029
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 901,739,355
 17. Less: Allowance for Loan & Lease Losses 5,211,639
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 0
 20. Land and Building 22,211,513
 21. Other Fixed Assets 1,122,822
 22. NCUA Share Insurance Capitalization Deposit 10,440,480
 23. Intangible Assets 0
 24. Other Assets 49,885,096
25. TOTAL ASSETS 1,451,260,308
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 0
 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 0
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 15,484
 9. Accounts Payable and Other Liabilities 8,145,791
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 218,650,050
 12. Regular Shares 345,690,906
 13. Money Market Shares 281,227,494
 14. Share Certificates 355,630,143
 15. IRA/KEOGH Accounts 91,245,954
 16. All Other Shares 6,072,131
 17. TOTAL SHARES 1,298,516,678
 18. Nonmember Deposits 36
 19. TOTAL SHARES AND DEPOSITS 1,298,516,714
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 1,661,725
 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) 127,034,040
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 27,128,564
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 57,545,884
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 360,755
EQUITY:  
 33. Undivided Earnings 127,095,310
 34. Regular Reserves 11,035,863
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -7,832,873
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 7,711,237
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 6,572,782
44. TOTAL LIABILITIES, SHARES, AND EQUITY 1,451,260,308
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 27,060,777
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 4,818,196
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 31,878,973
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 8,441,318
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 0
 9. TOTAL INTEREST EXPENSE 8,441,318
 10. Provision for Loan & Lease Losses 434,878
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 23,002,777
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 3,415,302
 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) 8,291,524
 15. Gain (Loss) on Equity Securities (DO NOT include Gain (Loss) on other securities) -29,877
 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 -1,260
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) -44,901
 21. TOTAL NON-INTEREST INCOME 11,630,788
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 16,232,416
 23. Travel and Conference Expense 202,577
 24. Office Occupancy Expense 1,363,978
 25. Office Operations Expense 5,755,265
 26. Educational and Promotional Expenses 1,005,371
 27. Loan Servicing Expense 1,764,577
 28. Professional and Outside Services 1,316,708
 29. Total Member Insurance 14,146
 30. Operating Fees (Examination and/or supervision fees) 252,952
 31. Miscellaneous Operating Expenses 152,793
 32. TOTAL NON-INTEREST EXPENSE 28,060,783
33. NET INCOME (LOSS) 6,572,782
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 Loans9.6519,991$37,708,845
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans8.00489$1,820,637
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans11.9013,480$16,453,933
 5. New Vehicle Loans3.241,987$44,017,121
 6. Used Vehicle Loans3.2417,024$244,906,177
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit5.491,856$23,170,894
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.003,418$405,779,670
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property3.882,202$61,941,432
 11. All Other Real Estate Loans/Lines of Credit7.001$26,075
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured3.9580$63,196,206
 13. Commercial Loans/Lines of Credit Not Real Estate Secured10.24331$2,718,365
 14. TOTAL LOANS & LEASES60,859$901,739,355
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date8,577$349,242,240
  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 Staff50$1,708,174
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration144$3,843,100$3,695,304
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)141$3,547,507-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration0$0$0
  b. Other Government Guaranteed0$0$0