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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: March 31, 2021.
Charter Number: 5536

ASSETS$ Amount
CASH:  
 1. Cash on Hand 1,782,958,772
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 20,609,787,316
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 79
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 23,942,038,216
 7. Held-to-Maturity Debt Securities 650,515,095
 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 259,762,500
 14. TOTAL INVESTMENTS 24,852,315,890
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 2,608,818,933
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 88,363,656,164
 17. Less: Allowance for Loan & Lease Losses 2,623,935,981
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 18,771,796
 20. Land and Building 1,637,730,349
 21. Other Fixed Assets 683,920,426
 22. NCUA Share Insurance Capitalization Deposit 934,930,339
 23. Intangible Assets 58,905,065
 24. Other Assets 5,541,137,264
25. TOTAL ASSETS 144,468,996,333
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 6,495,000,000
 2. Other Notes, Promissory Notes and Interest Payable 14,669,768
 3. Borrowing Repurchase Transactions 233,375,000
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 6,743,044,768
 7. Non-Trading Derivative Liabilities 7,172,387
 8. Accrued Dividends & Interest Payable on Shares & Deposits 120,532
 9. Accounts Payable and Other Liabilities 2,702,849,336
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 25,882,976,916
 12. Regular Shares 30,548,057,473
 13. Money Market Shares 25,868,473,483
 14. Share Certificates 27,658,423,998
 15. IRA/KEOGH Accounts 8,615,448,852
 16. All Other Shares 1,632,508,949
 17. TOTAL SHARES 120,205,889,671
 18. Nonmember Deposits 3,973,873
 19. TOTAL SHARES AND DEPOSITS 120,209,863,544
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 7,720,781
 22. Accounts Held by Nonmember Public Units 3,973,873
 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) 13,030,184,939
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 4,102,721,053
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 2,389,634,715
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 48,597,992
EQUITY:  
 33. Undivided Earnings 50,000,000
 34. Regular Reserves 349,808,576
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 14,836,150,122
 37. Equity Acquired in Merger 18,947,299
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -385,650,966
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges -170,728,975
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 107,419,710
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 144,468,996,333
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 1,422,191,515
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 123,059,456
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 1,545,250,971
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 231,009,506
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 52,810,229
 9. TOTAL INTEREST EXPENSE 283,819,735
 10. Provision for Loan & Lease Losses 209,381,695
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 1,052,049,541
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 125,253,162
 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 52,413,590
 18. Gain (Loss) on Disposition of Fixed Assets -517,237
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 505,976,304
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 511,958,243
 23. Travel and Conference Expense 989,889
 24. Office Occupancy Expense 39,369,258
 25. Office Operations Expense 149,452,134
 26. Educational and Promotional Expenses 34,688,138
 27. Loan Servicing Expense 51,751,439
 28. Professional and Outside Services 102,328,001
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 789,968
 31. Miscellaneous Operating Expenses 41,337,717
 32. TOTAL NON-INTEREST EXPENSE 932,664,787
33. NET INCOME (LOSS) 625,361,058
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 Loans9.653,222,894$19,159,400,633
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans5.7462,296$920,725,232
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans18.001,368,846$4,938,349,652
 5. New Vehicle Loans2.29319,706$7,902,340,087
 6. Used Vehicle Loans4.29763,535$10,361,609,361
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit2.25234,686$859,315,332
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.38169,490$41,680,431,049
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property3.9950,445$2,008,649,240
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.50352$505,711,033
 13. Commercial Loans/Lines of Credit Not Real Estate Secured9.15490$27,124,545
 14. TOTAL LOANS & LEASES6,192,740$88,363,656,164
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date4,432,584$19,414,548,626
  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 Status25,126$332,651,079
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff329$57,557,641
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration8,346$184,565,520$184,559,899
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)8,343$184,548,732-
  b. Other Government Guaranteed29,265$9,022,075,406$2,583,905,536
 19. Commercial Loans  
  a. Small Business Administration11$2,116,913$995,989
  b. Other Government Guaranteed0$0$0