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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, 2021.
Charter Number: 5536

ASSETS$ Amount
CASH:  
 1. Cash on Hand 1,718,302,301
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 22,648,035,328
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 551,149,099
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 27,774,947,892
 7. Held-to-Maturity Debt Securities 750,025,474
 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 189,787,369
 14. TOTAL INVESTMENTS 29,265,909,834
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 1,875,192,420
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 93,936,060,134
 17. Less: Allowance for Loan & Lease Losses 1,780,354,648
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 19,347,495
 20. Land and Building 1,622,044,640
 21. Other Fixed Assets 681,301,317
 22. NCUA Share Insurance Capitalization Deposit 1,123,106,458
 23. Intangible Assets 58,905,065
 24. Other Assets 2,265,132,334
25. TOTAL ASSETS 153,432,982,678
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 4,625,000,000
 2. Other Notes, Promissory Notes and Interest Payable 6,067,999
 3. Borrowing Repurchase Transactions 1,386,140,500
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 6,017,208,499
 7. Non-Trading Derivative Liabilities 5,495,543
 8. Accrued Dividends & Interest Payable on Shares & Deposits 83,165
 9. Accounts Payable and Other Liabilities 2,740,461,795
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 27,356,837,645
 12. Regular Shares 33,498,382,315
 13. Money Market Shares 32,772,081,449
 14. Share Certificates 24,273,262,833
 15. IRA/KEOGH Accounts 8,781,302,245
 16. All Other Shares 1,075,734,547
 17. TOTAL SHARES 127,757,601,034
 18. Nonmember Deposits 1,983,028
 19. TOTAL SHARES AND DEPOSITS 127,759,584,062
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 5,623,847
 22. Accounts Held by Nonmember Public Units 1,983,028
 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) 12,319,708,623
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 4,271,300,243
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 2,955,368,514
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 159,038,575
EQUITY:  
 33. Undivided Earnings 50,000,000
 34. Regular Reserves 349,808,576
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 16,925,859,672
 37. Equity Acquired in Merger 18,947,299
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -270,604,410
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges -148,917,339
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -14,944,184
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 153,432,982,678
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 5,759,229,441
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 563,971,614
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 6,323,201,055
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 829,168,023
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 192,977,931
 9. TOTAL INTEREST EXPENSE 1,022,145,954
 10. Provision for Loan & Lease Losses 19,041,518
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 5,282,013,583
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 536,161,746
 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 -41,978,224
 18. Gain (Loss) on Disposition of Fixed Assets -1,310,674
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) -276,961,531
 21. TOTAL NON-INTEREST INCOME 1,670,254,706
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 2,151,823,237
 23. Travel and Conference Expense 7,995,925
 24. Office Occupancy Expense 173,018,915
 25. Office Operations Expense 650,459,336
 26. Educational and Promotional Expenses 173,817,871
 27. Loan Servicing Expense 143,464,724
 28. Professional and Outside Services 512,716,323
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 3,159,872
 31. Miscellaneous Operating Expenses 420,741,478
 32. TOTAL NON-INTEREST EXPENSE 4,237,197,681
33. NET INCOME (LOSS) 2,715,070,608
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 Loans9.653,637,250$21,664,348,893
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans5.7471,205$940,415,164
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans17.851,149,647$4,855,774,949
 5. New Vehicle Loans2.29334,732$8,689,793,442
 6. Used Vehicle Loans6.99811,644$11,554,966,739
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit2.25302,530$983,634,823
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property2.88173,394$43,233,481,907
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property3.9939,299$1,505,105,754
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.00326$478,446,910
 13. Commercial Loans/Lines of Credit Not Real Estate Secured3.75451$30,091,553
 14. TOTAL LOANS & LEASES6,520,478$93,936,060,134
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date6,241,153$89,232,889,181
  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 Status24,672$311,639,860
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff365$64,533,377
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration2,391$39,193,767$39,178,247
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)2,389$39,136,327-
  b. Other Government Guaranteed30,793$9,877,395,769$2,705,649,561
 19. Commercial Loans  
  a. Small Business Administration9$1,815,118$802,068
  b. Other Government Guaranteed0$0$0