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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: September 30, 2021.
Charter Number: 24694

ASSETS$ Amount
CASH:  
 1. Cash on Hand 161,743,320
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 3,629,346,629
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 31,350
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 45,318,238
 7. Held-to-Maturity Debt Securities 1,507,708,836
 8. Deposits in commercial banks, S&Ls, savings banks 430,517
 9. Loans to and investments in natural person credit unions 6,600,000
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 781,425
 12. All other investments in corporate credit unions 0
 13. All other investments 166,697,546
 14. TOTAL INVESTMENTS 1,727,567,912
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 61,860,413
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 10,359,011,700
 17. Less: Allowance for Loan & Lease Losses 172,502,860
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 12,993,763
 20. Land and Building 209,777,320
 21. Other Fixed Assets 49,631,901
 22. NCUA Share Insurance Capitalization Deposit 121,416,670
 23. Intangible Assets 9,333,570
 24. Other Assets 220,331,911
25. TOTAL ASSETS 16,390,512,249
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 2,674,809
 9. Accounts Payable and Other Liabilities 300,417,158
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 3,403,878,146
 12. Regular Shares 4,178,633,111
 13. Money Market Shares 4,581,356,617
 14. Share Certificates 1,874,119,642
 15. IRA/KEOGH Accounts 552,025,897
 16. All Other Shares 34,815,328
 17. TOTAL SHARES 14,624,828,741
 18. Nonmember Deposits 7,777,294
 19. TOTAL SHARES AND DEPOSITS 14,632,606,035
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 0
 22. Accounts Held by Nonmember Public Units 4,417,157
 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 34,815,328
 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) 724,029,531
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 172,924,905
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 1,646,893,184
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 5,366,917
EQUITY:  
 33. Undivided Earnings 247,318
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 1,409,928,097
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -166,484,628
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -312,391
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 211,435,851
44. TOTAL LIABILITIES, SHARES, AND EQUITY 16,390,512,249
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 357,864,942
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 16,413,324
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 374,278,266
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 37,639,947
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 6,599
 9. TOTAL INTEREST EXPENSE 37,646,546
 10. Provision for Loan & Lease Losses -16,487,751
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 353,119,471
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 75,090,318
 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 494,068
 18. Gain (Loss) on Disposition of Fixed Assets 3,978,541
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 183,655,408
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 154,134,763
 23. Travel and Conference Expense 1,117,746
 24. Office Occupancy Expense 22,087,010
 25. Office Operations Expense 64,921,412
 26. Educational and Promotional Expenses 13,006,647
 27. Loan Servicing Expense 47,849,682
 28. Professional and Outside Services 8,245,177
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 584,928
 31. Miscellaneous Operating Expenses 13,391,663
 32. TOTAL NON-INTEREST EXPENSE 325,339,028
33. NET INCOME (LOSS) 211,435,851
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 Loans10.49210,639$586,491,212
 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 loans15.24140,546$252,699,643
 5. New Vehicle Loans2.9940,347$1,144,080,620
 6. Used Vehicle Loans2.99288,722$4,588,999,737
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit5.4974,507$1,579,099,439
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.909,102$725,053,882
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property4.5319,224$730,274,731
 11. All Other Real Estate Loans/Lines of Credit5.5711$1,362,969
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured5.25457$722,671,345
 13. Commercial Loans/Lines of Credit Not Real Estate Secured2.99676$28,278,122
 14. TOTAL LOANS & LEASES784,231$10,359,011,700
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date633,538$7,937,706,563
  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 Staff111$2,346,984
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration1,186$35,035,960$34,900,573
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)1,162$34,409,360-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration201$125,410,446$85,171,954
  b. Other Government Guaranteed0$0$0