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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: September 30, 2021.
Charter Number: 5536

ASSETS$ Amount
CASH:  
 1. Cash on Hand 1,606,840,118
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 20,900,490,418
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 511,096,401
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 26,344,711,503
 7. Held-to-Maturity Debt Securities 650,393,200
 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 209,662,369
 14. TOTAL INVESTMENTS 27,715,863,473
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 2,255,714,243
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 90,576,851,468
 17. Less: Allowance for Loan & Lease Losses 1,992,063,487
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 18,923,405
 20. Land and Building 1,626,170,577
 21. Other Fixed Assets 662,707,831
 22. NCUA Share Insurance Capitalization Deposit 1,020,660,848
 23. Intangible Assets 58,905,065
 24. Other Assets 6,572,065,044
25. TOTAL ASSETS 151,023,129,003
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 5,155,000,000
 2. Other Notes, Promissory Notes and Interest Payable 9,582,394
 3. Borrowing Repurchase Transactions 899,388,000
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 6,063,970,394
 7. Non-Trading Derivative Liabilities 5,103,866
 8. Accrued Dividends & Interest Payable on Shares & Deposits 95,198
 9. Accounts Payable and Other Liabilities 2,670,385,869
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 27,440,903,933
 12. Regular Shares 32,646,088,594
 13. Money Market Shares 30,872,815,533
 14. Share Certificates 24,704,093,643
 15. IRA/KEOGH Accounts 8,756,779,876
 16. All Other Shares 1,407,446,885
 17. TOTAL SHARES 125,828,128,464
 18. Nonmember Deposits 2,480,487
 19. TOTAL SHARES AND DEPOSITS 125,830,608,951
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 7,234,787
 22. Accounts Held by Nonmember Public Units 2,480,487
 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) 12,452,560,084
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 4,244,353,049
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 2,863,625,056
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 108,130,035
EQUITY:  
 33. Undivided Earnings 50,000,000
 34. Regular Reserves 349,808,576
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 16,418,653,627
 37. Equity Acquired in Merger 18,947,299
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -374,681,653
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges -173,200,215
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 163,437,091
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 151,023,129,003
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 4,279,992,732
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 409,292,334
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 4,689,285,066
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 638,745,566
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 153,476,665
 9. TOTAL INTEREST EXPENSE 792,222,231
 10. Provision for Loan & Lease Losses -17,489,156
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 3,914,551,991
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 390,766,441
 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 -19,928,078
 18. Gain (Loss) on Disposition of Fixed Assets -831,890
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) -123,694,937
 21. TOTAL NON-INTEREST INCOME 1,335,290,873
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 1,576,819,082
 23. Travel and Conference Expense 4,341,940
 24. Office Occupancy Expense 119,355,284
 25. Office Operations Expense 464,982,359
 26. Educational and Promotional Expenses 115,776,976
 27. Loan Servicing Expense 106,207,180
 28. Professional and Outside Services 362,977,175
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 2,369,904
 31. Miscellaneous Operating Expenses 289,148,401
 32. TOTAL NON-INTEREST EXPENSE 3,041,978,301
33. NET INCOME (LOSS) 2,207,864,563
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 Loans9.653,511,774$20,621,417,733
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans5.7469,268$934,178,850
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans17.851,062,829$4,876,028,744
 5. New Vehicle Loans2.29332,547$8,534,232,306
 6. Used Vehicle Loans6.99798,337$11,213,710,731
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit2.25299,478$973,522,153
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.38168,295$41,283,844,737
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property3.9942,268$1,634,913,226
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.00336$474,462,319
 13. Commercial Loans/Lines of Credit Not Real Estate Secured3.75478$30,540,669
 14. TOTAL LOANS & LEASES6,285,610$90,576,851,468
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date5,707,026$65,327,868,876
  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 Status27,229$337,386,545
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff351$62,751,781
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration5,825$90,946,701$90,925,638
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)5,823$90,877,848-
  b. Other Government Guaranteed27,990$8,545,921,581$2,405,392,826
 19. Commercial Loans  
  a. Small Business Administration10$1,904,965$855,265
  b. Other Government Guaranteed0$0$0