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National Credit Union Service Organization

VA DESERT PACIFIC 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 VA DESERT PACIFIC FEDERAL CREDIT UNION as of: December 31, 2021.
Charter Number: 5530

ASSETS$ Amount
CASH:  
 1. Cash on Hand 929,492
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 4,866,492
 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 39,474,747
 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 497,000
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 137,124
 12. All other investments in corporate credit unions 0
 13. All other investments 0
 14. TOTAL INVESTMENTS 40,108,871
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 43,845,553
 17. Less: Allowance for Loan & Lease Losses 145,864
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 0
 20. Land and Building 0
 21. Other Fixed Assets 556,884
 22. NCUA Share Insurance Capitalization Deposit 679,630
 23. Intangible Assets 0
 24. Other Assets 684,322
25. TOTAL ASSETS 91,525,380
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 111
 9. Accounts Payable and Other Liabilities 1,181,287
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 14,046,366
 12. Regular Shares 31,956,626
 13. Money Market Shares 18,863,185
 14. Share Certificates 5,353,394
 15. IRA/KEOGH Accounts 2,620,769
 16. All Other Shares 0
 17. TOTAL SHARES 72,840,340
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 72,840,340
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) 1,688,319
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 611,238
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 0
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 20,596
EQUITY:  
 33. Undivided Earnings 15,797,998
 34. Regular Reserves 932,625
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 773,019
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 91,525,380
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 2,699,899
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 868,627
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 3,568,526
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 150,739
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 670
 9. TOTAL INTEREST EXPENSE 151,409
 10. Provision for Loan & Lease Losses 135,159
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 3,281,958
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 415,318
 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) -60,000
 21. TOTAL NON-INTEREST INCOME 1,329,675
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 1,690,512
 23. Travel and Conference Expense 34,124
 24. Office Occupancy Expense 114,635
 25. Office Operations Expense 362,231
 26. Educational and Promotional Expenses 56,734
 27. Loan Servicing Expense 94,171
 28. Professional and Outside Services 968,480
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 13,479
 31. Miscellaneous Operating Expenses 70,481
 32. TOTAL NON-INTEREST EXPENSE 3,404,847
33. NET INCOME (LOSS) 1,206,786
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 Loans6.90845$1,355,645
 2. Payday Alternative Loans (PALs I and PALs II)13.5030$20,221
 3. Non-Federally Guaranteed Student Loans4.475$32,057
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans6.901,167$5,630,223
 5. New Vehicle Loans1.90234$6,464,344
 6. Used Vehicle Loans1.90908$16,155,874
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit1.9016$157,467
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property2.2597$8,590,907
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property3.2585$4,541,563
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured5.695$788,735
 13. Commercial Loans/Lines of Credit Not Real Estate Secured6.901$108,517
 14. TOTAL LOANS & LEASES3,393$43,845,553
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date1,236$22,650,505
  a. Payday Alternative Loans (PALs I and PALs II) Granted Year-to-Date33$34,000
MISCELLANEOUS LOAN INFORMATIONNumberAmount
 16. Non-Federally Guaranteed Student Loans in Deferred Status0$0
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff15$524,427
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