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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: June 30, 2021.
Charter Number: 24694

ASSETS$ Amount
CASH:  
 1. Cash on Hand 159,074,990
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 3,517,912,926
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 32,367
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 45,404,025
 7. Held-to-Maturity Debt Securities 1,317,834,825
 8. Deposits in commercial banks, S&Ls, savings banks 430,663
 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 118,528,226
 14. TOTAL INVESTMENTS 1,489,611,531
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 81,645,316
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 10,181,502,724
 17. Less: Allowance for Loan & Lease Losses 182,765,152
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 13,832,671
 20. Land and Building 213,892,841
 21. Other Fixed Assets 54,235,286
 22. NCUA Share Insurance Capitalization Deposit 121,416,670
 23. Intangible Assets 9,333,958
 24. Other Assets 197,167,278
25. TOTAL ASSETS 15,856,861,039
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 556,098
 8. Accrued Dividends & Interest Payable on Shares & Deposits 2,754,653
 9. Accounts Payable and Other Liabilities 242,318,698
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 3,276,446,537
 12. Regular Shares 4,002,631,828
 13. Money Market Shares 4,434,950,718
 14. Share Certificates 1,921,218,831
 15. IRA/KEOGH Accounts 551,798,600
 16. All Other Shares 35,488,774
 17. TOTAL SHARES 14,222,535,288
 18. Nonmember Deposits 7,897,750
 19. TOTAL SHARES AND DEPOSITS 14,230,433,038
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 0
 22. Accounts Held by Nonmember Public Units 4,453,120
 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 35,488,774
 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) 748,193,483
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 169,450,051
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 1,528,252,709
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 5,712,262
EQUITY:  
 33. Undivided Earnings 247,318
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 1,409,928,097
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -166,484,628
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -348,836
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 137,456,601
44. TOTAL LIABILITIES, SHARES, AND EQUITY 15,856,861,039
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 236,389,163
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 10,045,837
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 246,435,000
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 25,935,340
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 4,620
 9. TOTAL INTEREST EXPENSE 25,939,960
 10. Provision for Loan & Lease Losses -11,858,711
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 232,353,751
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 48,550,965
 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 -556,098
 18. Gain (Loss) on Disposition of Fixed Assets 1,286,941
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 119,660,024
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 101,606,180
 23. Travel and Conference Expense 636,223
 24. Office Occupancy Expense 15,343,776
 25. Office Operations Expense 42,134,325
 26. Educational and Promotional Expenses 7,881,579
 27. Loan Servicing Expense 32,730,424
 28. Professional and Outside Services 5,522,566
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 389,952
 31. Miscellaneous Operating Expenses 8,312,149
 32. TOTAL NON-INTEREST EXPENSE 214,557,174
33. NET INCOME (LOSS) 137,456,601
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 Loans10.49206,366$568,610,865
 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 loans15.24143,045$285,748,191
 5. New Vehicle Loans2.7440,112$1,122,000,305
 6. Used Vehicle Loans2.74288,362$4,489,107,273
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit5.4974,565$1,549,377,535
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.909,333$741,347,009
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property4.5319,102$696,946,487
 11. All Other Real Estate Loans/Lines of Credit5.579$1,358,412
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.25436$685,911,177
 13. Commercial Loans/Lines of Credit Not Real Estate Secured13.49683$41,095,470
 14. TOTAL LOANS & LEASES782,013$10,181,502,724
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date544,882$5,209,951,778
  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 Staff95$1,634,962
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration2,112$67,512,879$67,432,421
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)2,095$67,174,683-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration186$107,077,685$69,607,705
  b. Other Government Guaranteed0$0$0