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National Credit Union Service Organization

CREDIT HUMAN 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 CREDIT HUMAN FEDERAL CREDIT UNION as of: December 31, 2021.
Charter Number: 24382

ASSETS$ Amount
CASH:  
 1. Cash on Hand 17,975,124
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 110,589,304
 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 3,750,000
 12. All other investments in corporate credit unions 0
 13. All other investments 5,607,700
 14. TOTAL INVESTMENTS 9,357,700
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 1,060,725
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 3,282,828,582
 17. Less: Allowance for Loan & Lease Losses 12,101,593
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 1,165,620
 20. Land and Building 127,466,688
 21. Other Fixed Assets 44,736,741
 22. NCUA Share Insurance Capitalization Deposit 26,609,719
 23. Intangible Assets 0
 24. Other Assets 45,501,007
25. TOTAL ASSETS 3,655,189,617
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 0
 2. Other Notes, Promissory Notes and Interest Payable 443,476,212
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 443,476,212
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 685,266
 9. Accounts Payable and Other Liabilities 67,426,762
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 98,963,641
 12. Regular Shares 1,162,396,317
 13. Money Market Shares 473,184,267
 14. Share Certificates 701,994,406
 15. IRA/KEOGH Accounts 144,651,657
 16. All Other Shares 11,265,818
 17. TOTAL SHARES 2,592,456,106
 18. Nonmember Deposits 222,885,956
 19. TOTAL SHARES AND DEPOSITS 2,815,342,062
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 0
 22. Accounts Held by Nonmember Public Units 0
 23. Employee Benefit Member Shares 15,242,165
 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) 617,391,696
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 42,421,482
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 379,362,027
 31. Dollar Amount of Commercial Share Accounts 251,935,225
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 334,814
EQUITY:  
 33. Undivided Earnings 319,872,082
 34. Regular Reserves 50,000,000
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -41,612,767
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 0
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 3,655,189,617
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 151,162,422
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 236,036
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 151,398,458
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 18,618,185
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 9,168,307
 9. TOTAL INTEREST EXPENSE 27,786,492
 10. Provision for Loan & Lease Losses 4,887,912
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 118,724,054
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 12,597,264
 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 3,753,929
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 1,175,400
 21. TOTAL NON-INTEREST INCOME 28,298,116
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 81,769,915
 23. Travel and Conference Expense 1,775,411
 24. Office Occupancy Expense 10,362,889
 25. Office Operations Expense 17,145,449
 26. Educational and Promotional Expenses 6,140,018
 27. Loan Servicing Expense 6,863,552
 28. Professional and Outside Services 11,873,077
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 492,271
 31. Miscellaneous Operating Expenses 923,927
 32. TOTAL NON-INTEREST EXPENSE 137,346,509
33. NET INCOME (LOSS) 9,675,661
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 Loans8.6513,330$37,228,829
 2. Payday Alternative Loans (PALs I and PALs II)28.001,061$392,970
 3. Non-Federally Guaranteed Student Loans6.00201$5,173,159
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans11.9912,025$47,969,062
 5. New Vehicle Loans4.6925,817$679,984,489
 6. Used Vehicle Loans4.6930,527$621,038,312
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit5.2088,484$1,740,657,806
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.502,133$128,138,257
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property4.35525$12,985,286
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured3.515$9,005,650
 13. Commercial Loans/Lines of Credit Not Real Estate Secured2.122$254,762
 14. TOTAL LOANS & LEASES174,110$3,282,828,582
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date39,133$1,236,050,886
  a. Payday Alternative Loans (PALs I and PALs II) Granted Year-to-Date10,735$2,533,850
MISCELLANEOUS LOAN INFORMATIONNumberAmount
 16. Non-Federally Guaranteed Student Loans in Deferred Status3$107,735
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff28$655,257
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration154$5,452,992$5,452,992
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)154$5,452,992-
  b. Other Government Guaranteed65,421$445,702,261$434,817,972
 19. Commercial Loans  
  a. Small Business Administration0$0$0
  b. Other Government Guaranteed0$0$0