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National Credit Union Service Organization

SANDIA LABORATORY 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 SANDIA LABORATORY FEDERAL CREDIT UNION as of: December 31, 2023.
Charter Number: 5851

ASSETS$ Amount
CASH:  
 1. Cash on Hand 18,183,923
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 168,000,813
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 0
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 1,320,545,334
 7. Held-to-Maturity Debt Securities 29,786,000
 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 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 2,034,257,438
 17. Less: Allowance for Loan & Lease Losses 0
 18: Less: Allowance for Credit Losses on Loans & Leases 17,703,845
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 0
 20. Land and Building 40,722,064
 21. Other Fixed Assets 5,730,179
 22. NCUA Share Insurance Capitalization Deposit 27,677,986
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 3,766,637,073
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 424,780,947
 2. Other Notes, Promissory Notes and Interest Payable 0
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 424,780,947
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 32,128,472
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 768,000
SHARES/DEPOSITS:  
 11. Share Drafts 597,502,039
 12. Regular Shares 1,163,634,921
 13. Money Market Shares 386,277,452
 14. Share Certificates 797,203,455
 15. IRA/KEOGH Accounts 167,698,968
 16. All Other Shares 0
 17. TOTAL SHARES 3,112,316,834
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 3,112,316,834
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 0
 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) 561,299,428
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 96,788,922
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 168,658,581
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 157,764
EQUITY:  
 33. Undivided Earnings 373,673,975
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 19,721,970
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -6,434,107
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -190,319,018
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 3,766,637,073
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 83,893,002
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 40,271,866
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 124,164,868
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 26,604,424
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 19,599,881
 9. TOTAL INTEREST EXPENSE 46,204,305
 10. Provision for Loan & Lease Losses 0
 11. Total Credit Loss Expense 5,682,347
 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 6,642,498
 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 0
 18. Gain (Loss) on Disposition of Fixed Assets 246,834
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 17,457,521
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 48,864,874
 23. Travel and Conference Expense 1,159,724
 24. Office Occupancy Expense 3,495,042
 25. Office Operations Expense 11,557,894
 26. Educational and Promotional Expenses 2,572,325
 27. Loan Servicing Expense 1,405,599
 28. Professional and Outside Services 11,951,031
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 432,957
 31. Miscellaneous Operating Expenses 4,166,289
 32. TOTAL NON-INTEREST EXPENSE 85,605,735
33. NET INCOME (LOSS) 4,130,002
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 Loans17.0023,841$41,879,513
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans8.911,152$7,812,176
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans10.248,953$55,745,587
 5. New Vehicle Loans6.7010,899$281,040,489
 6. Used Vehicle Loans6.7024,113$368,690,073
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit5.591,145$18,532,519
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property6.433,706$634,392,050
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property6.9922,948$113,848,638
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured7.00405$506,518,688
 13. Commercial Loans/Lines of Credit Not Real Estate Secured7.8587$5,797,705
 14. TOTAL LOANS & LEASES77,249$2,034,257,438
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date18,036$788,398,039
  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 Staff38$3,453,387
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration0$0$0
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)0$0-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration0$0$0
  b. Other Government Guaranteed0$0$0