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National Credit Union Service Organization

CENTRIS 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 CENTRIS FEDERAL CREDIT UNION as of: June 30, 2024.
Charter Number: 28

ASSETS$ Amount
CASH:  
 1. Cash on Hand 7,129,334
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 9,426,481
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 0
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 70,031,176
 7. Held-to-Maturity Debt Securities 0
 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 5,359
 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 160,060
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 978,042,555
 17. Less: Allowance for Loan & Lease Losses 4,794,700
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 336,065
 20. Land and Building 53,743,650
 21. Other Fixed Assets 7,818,221
 22. NCUA Share Insurance Capitalization Deposit 8,455,735
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 1,190,360,313
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 178,926,721
 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 178,926,721
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 442
 9. Accounts Payable and Other Liabilities 23,699,277
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 243,785,570
 12. Regular Shares 235,054,253
 13. Money Market Shares 250,545,747
 14. Share Certificates 130,769,771
 15. IRA/KEOGH Accounts 39,189,734
 16. All Other Shares 0
 17. TOTAL SHARES 899,345,075
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 899,345,075
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 0
 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) 59,694,501
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 13,197,245
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 52,083,833
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 702,192
EQUITY:  
 33. Undivided Earnings 103,755,107
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -2,849,932
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -12,516,377
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 1,190,360,313
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 34,403,114
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 2,619,864
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 37,022,978
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 2,020,903
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 2,592,399
 9. TOTAL INTEREST EXPENSE 4,613,302
 10. Provision for Loan & Lease Losses -1,489,583
 11. Total Credit Loss Expense 0
 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 8,886,750
 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 -536,391
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 149,694
 21. TOTAL NON-INTEREST INCOME 15,465,992
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 19,979,137
 23. Travel and Conference Expense 465,055
 24. Office Occupancy Expense 2,512,352
 25. Office Operations Expense 3,890,403
 26. Educational and Promotional Expenses 1,163,089
 27. Loan Servicing Expense 1,546,678
 28. Professional and Outside Services 3,036,434
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 120,800
 31. Miscellaneous Operating Expenses 237,730
 32. TOTAL NON-INTEREST EXPENSE 32,951,678
33. NET INCOME (LOSS) 16,413,573
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 Loans9.9010$19,857
 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 loans9.4918,271$57,232,085
 5. New Vehicle Loans6.491,096$34,873,954
 6. Used Vehicle Loans6.9919,451$327,442,547
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit7.992,856$49,748,907
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property6.502,275$340,116,037
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property6.252,687$92,890,885
 11. All Other Real Estate Loans/Lines of Credit7.0010$277,434
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured6.25170$62,357,401
 13. Commercial Loans/Lines of Credit Not Real Estate Secured6.75117$13,083,448
 14. TOTAL LOANS & LEASES46,943$978,042,555
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date10,563$389,363,054
  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 Staff9$13,717,904
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration12$597,031$235,952
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)8$120,583-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration3$180,822$58,852
  b. Other Government Guaranteed0$0$0