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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, 2022.
Charter Number: 5536

ASSETS$ Amount
CASH:  
 1. Cash on Hand 1,690,106,029
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 22,128,907,430
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 521,214,834
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 27,929,272,623
 7. Held-to-Maturity Debt Securities 750,017,509
 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 0
 14. TOTAL INVESTMENTS 0
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 1,242,022,676
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 96,745,040,078
 17. Less: Allowance for Loan & Lease Losses 1,830,984,116
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 20,689,275
 20. Land and Building 1,615,616,537
 21. Other Fixed Assets 972,703,372
 22. NCUA Share Insurance Capitalization Deposit 1,123,106,458
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 160,440,596,270
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 4,565,000,000
 2. Other Notes, Promissory Notes and Interest Payable 5,961,200
 3. Borrowing Repurchase Transactions 2,227,276,750
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 6,798,237,950
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 2,749,940,718
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 30,934,891,219
 12. Regular Shares 36,124,339,448
 13. Money Market Shares 34,988,833,180
 14. Share Certificates 23,430,484,696
 15. IRA/KEOGH Accounts 8,919,498,408
 16. All Other Shares 1,040,339,977
 17. TOTAL SHARES 135,438,386,928
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 135,438,386,928
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 5,878,146
 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) 11,894,293,622
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 4,372,303,361
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 3,200,394,917
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 104,341,397
EQUITY:  
 33. Undivided Earnings 50,000,000
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 17,686,572,250
 37. Equity Acquired in Merger 18,947,299
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -268,429,410
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges -44,974,279
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -1,988,085,186
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 160,440,596,270
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 1,507,754,293
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 189,784,302
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 1,697,538,595
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 185,290,182
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 37,329,534
 9. TOTAL INTEREST EXPENSE 222,619,716
 10. Provision for Loan & Lease Losses 321,140,690
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 0
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 149,065,352
 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 82,990,698
 18. Gain (Loss) on Disposition of Fixed Assets -186,947
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 513,000
 21. TOTAL NON-INTEREST INCOME 338,533,279
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 584,462,331
 23. Travel and Conference Expense 1,406,515
 24. Office Occupancy Expense 40,344,635
 25. Office Operations Expense 161,789,765
 26. Educational and Promotional Expenses 45,399,070
 27. Loan Servicing Expense 44,657,446
 28. Professional and Outside Services 135,825,229
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 701,074
 31. Miscellaneous Operating Expenses 66,821,402
 32. TOTAL NON-INTEREST EXPENSE 1,081,407,467
33. NET INCOME (LOSS) 410,904,001
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 Loans9.653,747,995$22,022,636,091
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans5.7449,896$957,642,484
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans17.851,001,848$4,883,935,419
 5. New Vehicle Loans2.29339,444$9,008,395,095
 6. Used Vehicle Loans3.99813,550$11,814,545,950
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit2.25310,128$993,601,235
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property2.88178,559$45,093,567,720
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property3.9937,621$1,437,430,473
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.00322$500,689,448
 13. Commercial Loans/Lines of Credit Not Real Estate Secured3.75464$32,596,163
 14. TOTAL LOANS & LEASES6,479,827$96,745,040,078
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date726,456$12,506,384,184
  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 Status0$0
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff370$66,865,466
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration1,247$18,097,517$18,085,107
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)1,245$18,051,650-
  b. Other Government Guaranteed33,000$11,039,225,227$3,030,892,164
 19. Commercial Loans  
  a. Small Business Administration8$1,573,990$626,780
  b. Other Government Guaranteed0$0$0