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National Credit Union Service Organization

COMMUNITY 1ST 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 COMMUNITY 1ST CREDIT UNION as of: June 30, 2021.
Charter Number: 60079

ASSETS$ Amount
CASH:  
 1. Cash on Hand 1,152,192
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 55,079,315
 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 0
 7. Held-to-Maturity Debt Securities 0
 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 361,707
 12. All other investments in corporate credit unions 0
 13. All other investments 0
 14. TOTAL INVESTMENTS 361,707
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 425,000
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 125,406,048
 17. Less: Allowance for Loan & Lease Losses 631,898
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 81,771
 20. Land and Building 9,403,079
 21. Other Fixed Assets 671,643
 22. NCUA Share Insurance Capitalization Deposit 1,456,086
 23. Intangible Assets 541,057
 24. Other Assets 2,618,240
25. TOTAL ASSETS 196,564,240
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 0
 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 0
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 5,552
 9. Accounts Payable and Other Liabilities 5,573,585
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 33,470,331
 12. Regular Shares 69,813,844
 13. Money Market Shares 16,214,317
 14. Share Certificates 42,389,546
 15. IRA/KEOGH Accounts 9,444,149
 16. All Other Shares 0
 17. TOTAL SHARES 171,332,187
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 171,332,187
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) 22,108,215
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 2,837,628
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 1,445,319
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 47,021
EQUITY:  
 33. Undivided Earnings 10,861,773
 34. Regular Reserves 4,204,273
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 1,693,044
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 0
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 2,893,826
44. TOTAL LIABILITIES, SHARES, AND EQUITY 196,564,240
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 3,308,307
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 24,102
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 3,332,409
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 390,446
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 0
 9. TOTAL INTEREST EXPENSE 390,446
 10. Provision for Loan & Lease Losses -100,000
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 3,041,963
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 481,946
 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 5,873
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 24,702
 21. TOTAL NON-INTEREST INCOME 1,043,949
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 1,919,763
 23. Travel and Conference Expense 24,000
 24. Office Occupancy Expense 227,453
 25. Office Operations Expense 947,627
 26. Educational and Promotional Expenses 24,727
 27. Loan Servicing Expense 209,704
 28. Professional and Outside Services 105,425
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 11,094
 31. Miscellaneous Operating Expenses 82,140
 32. TOTAL NON-INTEREST EXPENSE 3,551,933
33. NET INCOME (LOSS) 533,979
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 Loans10.902,243$3,128,402
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans0.000$0
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans10.90531$668,310
 5. New Vehicle Loans5.99366$4,450,013
 6. Used Vehicle Loans6.49901$9,256,132
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit6.244,809$101,612,843
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.4372$5,334,407
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property6.7547$850,127
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured6.001$105,814
 13. Commercial Loans/Lines of Credit Not Real Estate Secured0.000$0
 14. TOTAL LOANS & LEASES8,970$125,406,048
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date1,123$33,059,529
  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 Staff17$94,918
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