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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: December 31, 2020.
Charter Number: 5536

ASSETS$ Amount
CASH:  
 1. Cash on Hand 5,321,287,670
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 11,429,001,891
 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 22,272,675,547
 7. Held-to-Maturity Debt Securities 401,146,093
 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 291,037,500
 14. TOTAL INVESTMENTS 22,964,859,219
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 3,501,911,774
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 88,177,938,698
 17. Less: Allowance for Loan & Lease Losses 2,620,568,613
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 19,208,272
 20. Land and Building 1,639,475,901
 21. Other Fixed Assets 719,646,154
 22. NCUA Share Insurance Capitalization Deposit 934,930,339
 23. Intangible Assets 58,905,065
 24. Other Assets 3,516,897,617
25. TOTAL ASSETS 135,663,493,987
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 6,495,000,000
 2. Other Notes, Promissory Notes and Interest Payable 15,001,160
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 6,510,001,160
 7. Non-Trading Derivative Liabilities 32,240,109
 8. Accrued Dividends & Interest Payable on Shares & Deposits 144,375
 9. Accounts Payable and Other Liabilities 2,983,573,202
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 23,244,867,724
 12. Regular Shares 26,098,089,422
 13. Money Market Shares 22,774,445,332
 14. Share Certificates 29,296,336,702
 15. IRA/KEOGH Accounts 8,443,556,639
 16. All Other Shares 1,341,842,756
 17. TOTAL SHARES 111,199,138,575
 18. Nonmember Deposits 5,965,330
 19. TOTAL SHARES AND DEPOSITS 111,205,103,905
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 5,280,456
 22. Accounts Held by Nonmember Public Units 5,965,330
 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) 14,095,911,928
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 3,944,232,562
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 2,105,598,016
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 53,208,309
EQUITY:  
 33. Undivided Earnings 50,000,000
 34. Regular Reserves 349,808,576
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 14,210,789,064
 37. Equity Acquired in Merger 18,947,299
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -390,175,966
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges -267,090,436
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 960,152,699
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 135,663,493,987
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 5,764,308,843
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 476,228,401
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 6,240,537,244
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 1,123,305,648
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 318,777,368
 9. TOTAL INTEREST EXPENSE 1,442,083,016
 10. Provision for Loan & Lease Losses 2,201,114,308
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 2,597,339,920
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 491,380,634
 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) 1,343,379,567
 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) 256,274,752
 17. Gain (Loss) on Non-Trading Derivatives 42,468,527
 18. Gain (Loss) on Disposition of Fixed Assets -3,127,693
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) -41,550,837
 21. TOTAL NON-INTEREST INCOME 2,088,824,950
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 1,886,560,889
 23. Travel and Conference Expense 5,484,264
 24. Office Occupancy Expense 164,698,207
 25. Office Operations Expense 574,460,663
 26. Educational and Promotional Expenses 153,273,294
 27. Loan Servicing Expense 202,682,568
 28. Professional and Outside Services 381,189,324
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 3,534,521
 31. Miscellaneous Operating Expenses 504,279,853
 32. TOTAL NON-INTEREST EXPENSE 3,876,163,583
33. NET INCOME (LOSS) 810,001,287
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 Loans9.653,188,020$19,818,158,398
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans5.7459,034$884,816,260
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans18.001,418,626$5,138,389,863
 5. New Vehicle Loans2.29317,087$7,692,348,116
 6. Used Vehicle Loans4.29757,910$10,099,570,000
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit2.25220,380$846,665,231
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.38165,796$40,943,941,827
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property3.9954,947$2,217,325,147
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.50349$511,860,629
 13. Commercial Loans/Lines of Credit Not Real Estate Secured9.15509$24,863,227
 14. TOTAL LOANS & LEASES6,182,658$88,177,938,698
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date5,694,749$75,797,669,682
  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 Status24,334$304,656,058
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff336$57,732,221
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration6,374$142,975,918$142,960,697
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)6,371$142,930,570-
  b. Other Government Guaranteed30,604$9,642,861,639$2,758,663,396
 19. Commercial Loans  
  a. Small Business Administration11$2,151,266$1,014,601
  b. Other Government Guaranteed0$0$0