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National Credit Union Service Organization

NEIGHBORHOOD TRUST 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 NEIGHBORHOOD TRUST FEDERAL CREDIT UNION as of: June 30, 2021.
Charter Number: 24589

ASSETS$ Amount
CASH:  
 1. Cash on Hand 245,523
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 7,858,368
 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 1,131,128
 9. Loans to and investments in natural person credit unions 0
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 751
 12. All other investments in corporate credit unions 0
 13. All other investments 0
 14. TOTAL INVESTMENTS 1,131,879
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 8,613,846
 17. Less: Allowance for Loan & Lease Losses 152,743
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 0
 20. Land and Building 0
 21. Other Fixed Assets 29,102
 22. NCUA Share Insurance Capitalization Deposit 121,953
 23. Intangible Assets 0
 24. Other Assets 269,982
25. TOTAL ASSETS 18,117,910
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 250,000
 6. TOTALS 250,000
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 1,195,398
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 3,142,045
 12. Regular Shares 9,885,617
 13. Money Market Shares 0
 14. Share Certificates 112,087
 15. IRA/KEOGH Accounts 0
 16. All Other Shares 153,442
 17. TOTAL SHARES 13,293,191
 18. Nonmember Deposits 1,455,000
 19. TOTAL SHARES AND DEPOSITS 14,748,191
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) 0
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 0
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 3,167,313
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 0
EQUITY:  
 33. Undivided Earnings 1,778,550
 34. Regular Reserves 55,503
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 0
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 90,268
44. TOTAL LIABILITIES, SHARES, AND EQUITY 18,117,910
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 188,391
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 9,141
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 197,532
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 6,187
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 7,357
 9. TOTAL INTEREST EXPENSE 13,544
 10. Provision for Loan & Lease Losses 18,309
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 165,679
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 312,413
 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) 216,805
 21. TOTAL NON-INTEREST INCOME 548,085
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 377,359
 23. Travel and Conference Expense 186
 24. Office Occupancy Expense 0
 25. Office Operations Expense 167,948
 26. Educational and Promotional Expenses 8,043
 27. Loan Servicing Expense 5,971
 28. Professional and Outside Services 45,726
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 1,657
 31. Miscellaneous Operating Expenses 16,606
 32. TOTAL NON-INTEREST EXPENSE 623,496
33. NET INCOME (LOSS) 90,268
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 Loans14.9331$24,004
 2. Payday Alternative Loans (PALs I and PALs II)26.6034$16,997
 3. Non-Federally Guaranteed Student Loans0.000$0
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans3.86212$1,488,269
 5. New Vehicle Loans5.001$4,677
 6. Used Vehicle Loans7.205$35,982
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit9.68134$170,808
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property4.1934$5,078,594
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property7.751$98,353
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured6.956$666,421
 13. Commercial Loans/Lines of Credit Not Real Estate Secured1.8412$1,029,741
 14. TOTAL LOANS & LEASES470$8,613,846
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date190$2,508,798
  a. Payday Alternative Loans (PALs I and PALs II) Granted Year-to-Date26$21,340
MISCELLANEOUS LOAN INFORMATIONNumberAmount
 16. Non-Federally Guaranteed Student Loans in Deferred Status0$0
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff0$0
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration92$1,061,863$1,048,086
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)88$1,034,309-
  b. Other Government Guaranteed3$35,668$35,668
 19. Commercial Loans  
  a. Small Business Administration11$994,471$929,870
  b. Other Government Guaranteed1$54,393$54,393