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National Credit Union Service Organization

SELF-HELP 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 SELF-HELP FEDERAL CREDIT UNION as of: December 31, 2023.
Charter Number: 24802

ASSETS$ Amount
CASH:  
 1. Cash on Hand 30,581,378
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 431,982,405
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 88,615
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 0
 7. Held-to-Maturity Debt Securities 77,952,468
 8. Deposits in commercial banks, S&Ls, savings banks 0
 9. Loans to and investments in natural person credit unions 0
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 790,926
 12. All other investments in corporate credit unions 0
 13. All other investments 0
 14. TOTAL INVESTMENTS 0
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 1,484,664,343
 17. Less: Allowance for Loan & Lease Losses 0
 18: Less: Allowance for Credit Losses on Loans & Leases 44,891,614
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 574,338
 20. Land and Building 56,292,442
 21. Other Fixed Assets 11,856,058
 22. NCUA Share Insurance Capitalization Deposit 12,757,833
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 2,093,454,414
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 11,890,000
 2. Other Notes, Promissory Notes and Interest Payable 0
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 409,250,000
 5. Subordinated Debt included in Net Worth 409,250,000
 6. TOTALS 421,140,000
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 89,865
 9. Accounts Payable and Other Liabilities 44,658,221
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 252,568,789
 12. Regular Shares 414,255,030
 13. Money Market Shares 409,718,204
 14. Share Certificates 302,795,154
 15. IRA/KEOGH Accounts 39,893,002
 16. All Other Shares 0
 17. TOTAL SHARES 1,419,230,179
 18. Nonmember Deposits 42,261,581
 19. TOTAL SHARES AND DEPOSITS 1,461,491,760
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 2,767,904
 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) 221,130,233
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 13,369,753
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 225,745,871
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 38,833
EQUITY:  
 33. Undivided Earnings 146,011,929
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 13,573,563
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 6,489,076
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 0
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 2,093,454,414
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 86,044,793
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 22,715,429
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 108,760,222
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 16,055,159
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 12,614,061
 9. TOTAL INTEREST EXPENSE 28,669,220
 10. Provision for Loan & Lease Losses 0
 11. Total Credit Loss Expense -5,427,655
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 0
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 3,371,044
 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 719,494
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 3,241,181
 21. TOTAL NON-INTEREST INCOME 12,544,222
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 31,593,033
 23. Travel and Conference Expense 672,108
 24. Office Occupancy Expense 7,949,181
 25. Office Operations Expense 14,457,576
 26. Educational and Promotional Expenses 981,146
 27. Loan Servicing Expense 1,489,361
 28. Professional and Outside Services 1,736,050
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 337,736
 31. Miscellaneous Operating Expenses 1,746,673
 32. TOTAL NON-INTEREST EXPENSE 60,962,864
33. NET INCOME (LOSS) 37,100,015
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 Loans16.005,003$6,278,607
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans5.0054$4,665,935
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans16.005,953$15,583,810
 5. New Vehicle Loans3.50881$15,721,773
 6. Used Vehicle Loans4.755,163$57,109,830
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit16.006,995$22,288,563
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property4.758,669$1,246,318,622
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property9.5468$19,162,806
 11. All Other Real Estate Loans/Lines of Credit6.008$245,259
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured5.0088$62,225,887
 13. Commercial Loans/Lines of Credit Not Real Estate Secured5.5025$35,063,251
 14. TOTAL LOANS & LEASES33,307$1,484,664,343
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date7,426$154,184,503
  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 Staff0$0
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration3$612,430$612,430
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)3$612,430-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration0$0$0
  b. Other Government Guaranteed19$42,203,142$31,482,949