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National Credit Union Service Organization

NAVY 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 NAVY FEDERAL CREDIT UNION as of: June 30, 2021.
Charter Number: 5536

ASSETS$ Amount
CASH:  
 1. Cash on Hand 1,466,517,889
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 20,446,532,633
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 509,860,458
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 25,382,847,069
 7. Held-to-Maturity Debt Securities 650,448,878
 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 0
 12. All other investments in corporate credit unions 0
 13. All other investments 231,787,369
 14. TOTAL INVESTMENTS 26,774,943,774
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 3,528,959,466
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 89,115,973,568
 17. Less: Allowance for Loan & Lease Losses 2,200,626,282
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 17,986,575
 20. Land and Building 1,629,853,842
 21. Other Fixed Assets 677,797,659
 22. NCUA Share Insurance Capitalization Deposit 1,020,660,848
 23. Intangible Assets 58,905,065
 24. Other Assets 5,361,288,528
25. TOTAL ASSETS 147,898,793,565
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 5,745,000,000
 2. Other Notes, Promissory Notes and Interest Payable 11,269,978
 3. Borrowing Repurchase Transactions 900,547,750
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 6,656,817,728
 7. Non-Trading Derivative Liabilities 21,891,947
 8. Accrued Dividends & Interest Payable on Shares & Deposits 102,050
 9. Accounts Payable and Other Liabilities 2,876,710,710
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 25,874,061,836
 12. Regular Shares 31,548,958,004
 13. Money Market Shares 28,103,110,776
 14. Share Certificates 26,432,101,404
 15. IRA/KEOGH Accounts 8,688,624,530
 16. All Other Shares 1,729,085,066
 17. TOTAL SHARES 122,375,941,616
 18. Nonmember Deposits 2,978,210
 19. TOTAL SHARES AND DEPOSITS 122,378,919,826
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 7,213,102
 22. Accounts Held by Nonmember Public Units 2,978,210
 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) 12,411,048,551
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 4,168,665,534
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 2,655,606,337
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 72,191,293
EQUITY:  
 33. Undivided Earnings 50,000,000
 34. Regular Reserves 349,808,576
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 15,757,227,130
 37. Equity Acquired in Merger 18,947,299
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -379,846,424
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges -194,129,065
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 362,343,788
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 147,898,793,565
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 2,836,297,489
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 253,894,211
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 3,090,191,700
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 442,316,606
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 105,558,473
 9. TOTAL INTEREST EXPENSE 547,875,079
 10. Provision for Loan & Lease Losses -4,889,145
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 2,547,205,766
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 258,200,607
 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 15,217,307
 18. Gain (Loss) on Disposition of Fixed Assets -853,826
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) -65,118,645
 21. TOTAL NON-INTEREST INCOME 956,344,462
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 1,024,891,450
 23. Travel and Conference Expense 2,310,747
 24. Office Occupancy Expense 78,039,285
 25. Office Operations Expense 302,915,098
 26. Educational and Promotional Expenses 73,055,984
 27. Loan Servicing Expense 65,917,705
 28. Professional and Outside Services 227,456,485
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 1,579,936
 31. Miscellaneous Operating Expenses 180,945,473
 32. TOTAL NON-INTEREST EXPENSE 1,957,112,163
33. NET INCOME (LOSS) 1,546,438,065
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 Loans9.653,385,428$19,775,200,628
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans5.7463,950$911,470,599
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans18.001,447,390$4,914,541,442
 5. New Vehicle Loans2.29327,563$8,265,358,005
 6. Used Vehicle Loans4.29781,876$10,811,734,193
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit2.25276,530$930,115,000
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.38168,458$41,185,242,548
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property3.9946,180$1,807,208,344
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.00335$486,931,476
 13. Commercial Loans/Lines of Credit Not Real Estate Secured3.75496$28,171,333
 14. TOTAL LOANS & LEASES6,498,206$89,115,973,568
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date5,111,686$42,425,587,315
  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 Status24,169$317,785,957
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff337$59,243,548
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration8,628$160,249,906$160,220,830
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)8,625$160,162,227-
  b. Other Government Guaranteed27,622$8,333,483,862$2,382,589,582
 19. Commercial Loans  
  a. Small Business Administration10$1,950,491$869,023
  b. Other Government Guaranteed0$0$0