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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: December 31, 2020.
Charter Number: 24694

ASSETS$ Amount
CASH:  
 1. Cash on Hand 168,654,583
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 2,932,647,228
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 26,123
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 46,171,577
 7. Held-to-Maturity Debt Securities 893,107,525
 8. Deposits in commercial banks, S&Ls, savings banks 928,103
 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 15,864,641
 14. TOTAL INVESTMENTS 965,279,394
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 48,138,549
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 9,921,616,266
 17. Less: Allowance for Loan & Lease Losses 216,033,591
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 12,738,803
 20. Land and Building 214,098,804
 21. Other Fixed Assets 60,281,875
 22. NCUA Share Insurance Capitalization Deposit 113,511,494
 23. Intangible Assets 9,473,540
 24. Other Assets 180,830,832
25. TOTAL ASSETS 14,411,237,777
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 1,159,321
 8. Accrued Dividends & Interest Payable on Shares & Deposits 3,419,723
 9. Accounts Payable and Other Liabilities 218,677,245
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 2,918,755,625
 12. Regular Shares 3,284,349,080
 13. Money Market Shares 4,034,042,782
 14. Share Certificates 2,109,481,470
 15. IRA/KEOGH Accounts 556,789,268
 16. All Other Shares 32,985,359
 17. TOTAL SHARES 12,936,403,584
 18. Nonmember Deposits 7,804,915
 19. TOTAL SHARES AND DEPOSITS 12,944,208,499
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 0
 22. Accounts Held by Nonmember Public Units 4,948,728
 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 32,985,359
 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) 841,290,933
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 169,801,708
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 1,361,524,943
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 3,984,403
EQUITY:  
 33. Undivided Earnings 247,318
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 1,409,928,097
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -166,484,628
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 82,202
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 14,411,237,777
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 476,429,219
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 22,624,775
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 20,575
 5. TOTAL INTEREST INCOME 499,074,569
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 79,371,621
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 2,129
 9. TOTAL INTEREST EXPENSE 79,373,750
 10. Provision for Loan & Lease Losses 118,669,051
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 301,031,768
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 87,362,651
 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) 146,926,209
 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 -1,159,321
 18. Gain (Loss) on Disposition of Fixed Assets 13,314,402
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 246,443,941
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 202,059,793
 23. Travel and Conference Expense 1,386,803
 24. Office Occupancy Expense 29,720,820
 25. Office Operations Expense 88,794,984
 26. Educational and Promotional Expenses 16,329,706
 27. Loan Servicing Expense 47,177,494
 28. Professional and Outside Services 11,100,275
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 875,270
 31. Miscellaneous Operating Expenses 18,497,419
 32. TOTAL NON-INTEREST EXPENSE 415,942,564
33. NET INCOME (LOSS) 131,533,145
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 Loans10.49200,297$587,925,902
 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 loans15.24137,791$295,628,281
 5. New Vehicle Loans2.9940,235$1,101,757,289
 6. Used Vehicle Loans2.99292,358$4,383,411,489
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit5.4973,126$1,449,968,941
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.9010,009$808,366,299
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property4.5320,665$718,924,291
 11. All Other Real Estate Loans/Lines of Credit5.578$1,377,325
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.50358$546,324,705
 13. Commercial Loans/Lines of Credit Not Real Estate Secured2.99594$27,931,744
 14. TOTAL LOANS & LEASES775,441$9,921,616,266
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date698,769$8,918,884,584
  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 Staff67$1,175,222
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration2,041$74,791,258$73,947,618
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)1,979$70,098,795-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration99$65,792,367$34,480,724
  b. Other Government Guaranteed0$0$0