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National Credit Union Service Organization

RICHFIELD-BLOOMINGTON 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 RICHFIELD-BLOOMINGTON CREDIT UNION as of: December 31, 2023.
Charter Number: 60125

ASSETS$ Amount
CASH:  
 1. Cash on Hand 1,366,791
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 8,461,680
 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 9,880,788
 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 150,000
 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 333,723,221
 17. Less: Allowance for Loan & Lease Losses 0
 18: Less: Allowance for Credit Losses on Loans & Leases 1,742,022
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 208,622
 20. Land and Building 14,558,181
 21. Other Fixed Assets 1,582,986
 22. NCUA Share Insurance Capitalization Deposit 3,202,642
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 386,343,958
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 19,000,000
 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 19,000,000
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 74,479
 9. Accounts Payable and Other Liabilities 3,875,219
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 114,886,083
 12. Regular Shares 121,227,928
 13. Money Market Shares 56,874,560
 14. Share Certificates 25,717,182
 15. IRA/KEOGH Accounts 9,909,481
 16. All Other Shares 446,716
 17. TOTAL SHARES 329,061,950
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 329,061,950
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) 7,951,678
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 2,138,650
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 20,166,221
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 30,979
EQUITY:  
 33. Undivided Earnings 30,693,364
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 4,091,252
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -452,306
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 386,343,958
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 14,445,138
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 449,642
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 15,333,699
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 1,154,541
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 625,346
 9. TOTAL INTEREST EXPENSE 1,779,887
 10. Provision for Loan & Lease Losses 0
 11. Total Credit Loss Expense 315,325
 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 949,230
 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 3,891
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 645
 21. TOTAL NON-INTEREST INCOME 3,324,481
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 5,889,071
 23. Travel and Conference Expense 95,251
 24. Office Occupancy Expense 1,643,119
 25. Office Operations Expense 2,315,605
 26. Educational and Promotional Expenses 411,187
 27. Loan Servicing Expense 1,490,173
 28. Professional and Outside Services 2,150,501
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 23,500
 31. Miscellaneous Operating Expenses 463,776
 32. TOTAL NON-INTEREST EXPENSE 14,482,183
33. NET INCOME (LOSS) 2,080,785
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 Loans9.903,941$12,633,740
 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 loans15.00471$1,102,091
 5. New Vehicle Loans6.49198$4,260,562
 6. Used Vehicle Loans6.492,027$27,533,418
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit7.00236$3,884,911
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property6.63869$162,806,015
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property8.75236$6,073,089
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured7.00137$113,668,948
 13. Commercial Loans/Lines of Credit Not Real Estate Secured7.0034$1,760,447
 14. TOTAL LOANS & LEASES8,149$333,723,221
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date987$31,433,939
  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 Staff56$2,782,435
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration9$572,500$572,500
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)9$572,500-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration0$0$0
  b. Other Government Guaranteed0$0$0