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National Credit Union Service Organization

UME 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 UME FEDERAL CREDIT UNION as of: September 30, 2021.
Charter Number: 3945

ASSETS$ Amount
CASH:  
 1. Cash on Hand 1,558,163
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 13,919,577
 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 63,590,990
 7. Held-to-Maturity Debt Securities 75,306,244
 8. Deposits in commercial banks, S&Ls, savings banks 36,847,094
 9. Loans to and investments in natural person credit unions 5,915,000
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 0
 12. All other investments in corporate credit unions 0
 13. All other investments 1,511,400
 14. TOTAL INVESTMENTS 183,170,728
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 97,123,036
 17. Less: Allowance for Loan & Lease Losses 261,478
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 22,249
 20. Land and Building 7,052,214
 21. Other Fixed Assets 260,893
 22. NCUA Share Insurance Capitalization Deposit 2,429,302
 23. Intangible Assets 0
 24. Other Assets 6,776,244
25. TOTAL ASSETS 312,050,928
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 3,885
 9. Accounts Payable and Other Liabilities 1,587,375
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 69,255,729
 12. Regular Shares 99,526,409
 13. Money Market Shares 84,611,810
 14. Share Certificates 21,975,400
 15. IRA/KEOGH Accounts 10,234,046
 16. All Other Shares 0
 17. TOTAL SHARES 285,603,394
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 285,603,394
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) 8,524,066
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 3,489,461
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 22,441,076
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 29,048
EQUITY:  
 33. Undivided Earnings 24,249,981
 34. Regular Reserves 1,021,811
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -415,518
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 312,050,928
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 3,151,405
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 1,638,521
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 4,789,926
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 359,516
 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 359,516
 10. Provision for Loan & Lease Losses -107,432
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 4,537,842
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 550,220
 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 0
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 1,673,117
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 2,733,258
 23. Travel and Conference Expense 22,220
 24. Office Occupancy Expense 305,765
 25. Office Operations Expense 760,663
 26. Educational and Promotional Expenses 209,997
 27. Loan Servicing Expense 138,457
 28. Professional and Outside Services 524,929
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 44,060
 31. Miscellaneous Operating Expenses 67,383
 32. TOTAL NON-INTEREST EXPENSE 4,806,732
33. NET INCOME (LOSS) 1,404,227
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 Loans9.904,145$5,841,172
 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 loans10.001,420$2,886,892
 5. New Vehicle Loans2.25188$3,360,241
 6. Used Vehicle Loans2.751,056$13,080,491
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit2.5553$573,785
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.50138$53,164,484
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property4225$9,188,589
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.0010$9,027,382
 13. Commercial Loans/Lines of Credit Not Real Estate Secured0.000$0
 14. TOTAL LOANS & LEASES7,235$97,123,036
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date4,586$43,703,770
  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 Staff23$30,526
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