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National Credit Union Service Organization

AMERICA FIRST 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 AMERICA FIRST CREDIT UNION as of: March 31, 2021.
Charter Number: 24694

ASSETS$ Amount
CASH:  
 1. Cash on Hand 150,721,228
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 4,073,632,088
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 32,385
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 45,635,525
 7. Held-to-Maturity Debt Securities 1,058,092,585
 8. Deposits in commercial banks, S&Ls, savings banks 679,786
 9. Loans to and investments in natural person credit unions 8,400,000
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 781,425
 12. All other investments in corporate credit unions 0
 13. All other investments 41,104,944
 14. TOTAL INVESTMENTS 1,154,726,650
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 72,427,700
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 9,842,076,440
 17. Less: Allowance for Loan & Lease Losses 205,748,991
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 11,968,308
 20. Land and Building 213,861,952
 21. Other Fixed Assets 56,377,080
 22. NCUA Share Insurance Capitalization Deposit 113,511,494
 23. Intangible Assets 9,334,347
 24. Other Assets 193,028,420
25. TOTAL ASSETS 15,685,916,716
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 3,112,198
 9. Accounts Payable and Other Liabilities 260,851,525
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 3,291,873,240
 12. Regular Shares 3,884,038,981
 13. Money Market Shares 4,328,815,161
 14. Share Certificates 2,011,415,676
 15. IRA/KEOGH Accounts 556,164,429
 16. All Other Shares 35,190,977
 17. TOTAL SHARES 14,107,498,464
 18. Nonmember Deposits 8,176,356
 19. TOTAL SHARES AND DEPOSITS 14,115,674,820
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 0
 22. Accounts Held by Nonmember Public Units 5,246,016
 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 35,190,977
 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) 792,763,958
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 172,468,363
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 1,500,170,314
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 3,814,362
EQUITY:  
 33. Undivided Earnings 247,318
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 1,409,928,097
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -166,484,628
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -272,557
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 62,859,943
44. TOTAL LIABILITIES, SHARES, AND EQUITY 15,685,916,716
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 118,558,309
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 4,700,563
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 123,258,872
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 13,566,202
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 2,640
 9. TOTAL INTEREST EXPENSE 13,568,842
 10. Provision for Loan & Lease Losses 3,522,630
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 106,167,400
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 24,035,817
 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 1,090,158
 18. Gain (Loss) on Disposition of Fixed Assets 237,923
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 60,718,158
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 50,735,567
 23. Travel and Conference Expense 298,053
 24. Office Occupancy Expense 7,011,157
 25. Office Operations Expense 20,406,414
 26. Educational and Promotional Expenses 2,576,561
 27. Loan Servicing Expense 14,434,547
 28. Professional and Outside Services 2,651,848
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 194,976
 31. Miscellaneous Operating Expenses 5,716,492
 32. TOTAL NON-INTEREST EXPENSE 104,025,615
33. NET INCOME (LOSS) 62,859,943
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 Loans10.49197,392$542,207,203
 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 loans15.24125,641$284,476,225
 5. New Vehicle Loans2.9939,635$1,090,020,426
 6. Used Vehicle Loans2.99288,238$4,386,074,136
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit5.4972,686$1,464,919,920
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.909,600$769,173,486
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property4.5319,313$683,883,250
 11. All Other Real Estate Loans/Lines of Credit5.578$1,397,418
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured6.00414$583,861,798
 13. Commercial Loans/Lines of Credit Not Real Estate Secured13.49532$36,062,578
 14. TOTAL LOANS & LEASES753,459$9,842,076,440
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date437,326$2,292,166,115
  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 Staff92$1,349,053
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration2,190$77,782,589$77,701,737
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)2,173$77,500,968-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration159$76,847,742$47,424,966
  b. Other Government Guaranteed0$0$0