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National Credit Union Service Organization

LOUISIANA USA 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 LOUISIANA USA FEDERAL CREDIT UNION as of: December 31, 2021.
Charter Number: 3061

ASSETS$ Amount
CASH:  
 1. Cash on Hand 662,578
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 8,685,867
 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 2
 7. Held-to-Maturity Debt Securities 21,946,412
 8. Deposits in commercial banks, S&Ls, savings banks 746,000
 9. Loans to and investments in natural person credit unions 0
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 154,196
 12. All other investments in corporate credit unions 0
 13. All other investments 0
 14. TOTAL INVESTMENTS 22,846,610
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 172,654
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 61,147,861
 17. Less: Allowance for Loan & Lease Losses 133,657
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 0
 20. Land and Building 1,691,816
 21. Other Fixed Assets 225,425
 22. NCUA Share Insurance Capitalization Deposit 781,976
 23. Intangible Assets 118,324
 24. Other Assets 939,240
25. TOTAL ASSETS 97,138,694
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 66,963
 9. Accounts Payable and Other Liabilities 283,314
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 18,111,779
 12. Regular Shares 42,915,882
 13. Money Market Shares 8,611,377
 14. Share Certificates 10,839,265
 15. IRA/KEOGH Accounts 4,464,262
 16. All Other Shares 38,870
 17. TOTAL SHARES 84,981,435
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 84,981,435
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) 3,219,511
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 1,259,774
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 0
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 24,730
EQUITY:  
 33. Undivided Earnings 8,172,356
 34. Regular Reserves 1,354,652
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 2,279,974
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 0
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 97,138,694
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 2,937,984
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 323,385
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 3,261,369
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 306,055
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 0
 9. TOTAL INTEREST EXPENSE 306,055
 10. Provision for Loan & Lease Losses 96,404
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 2,858,910
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 531,921
 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 2,840
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 1,797,262
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 1,937,155
 23. Travel and Conference Expense 22,823
 24. Office Occupancy Expense 214,804
 25. Office Operations Expense 404,484
 26. Educational and Promotional Expenses 82,946
 27. Loan Servicing Expense 523,503
 28. Professional and Outside Services 496,321
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 19,317
 31. Miscellaneous Operating Expenses 128,059
 32. TOTAL NON-INTEREST EXPENSE 3,829,412
33. NET INCOME (LOSS) 826,760
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 Loans7.791,580$2,050,554
 2. Payday Alternative Loans (PALs I and PALs II)25.9352$33,016
 3. Non-Federally Guaranteed Student Loans0.000$0
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans9.86764$3,367,152
 5. New Vehicle Loans3.92203$5,043,023
 6. Used Vehicle Loans4.441,719$31,702,766
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit6.39256$3,461,107
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property4.50124$11,216,831
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property5.94134$4,273,412
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured0.000$0
 13. Commercial Loans/Lines of Credit Not Real Estate Secured0.000$0
 14. TOTAL LOANS & LEASES4,832$61,147,861
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date1,511$43,061,244
  a. Payday Alternative Loans (PALs I and PALs II) Granted Year-to-Date104$96,100
MISCELLANEOUS LOAN INFORMATIONNumberAmount
 16. Non-Federally Guaranteed Student Loans in Deferred Status0$0
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff19$427,518
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration0$0$0
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)0$0-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration0$0$0
  b. Other Government Guaranteed0$0$0