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National Credit Union Service Organization

COMMUNITY ALLIANCE 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 ALLIANCE CREDIT UNION as of: June 30, 2024.
Charter Number: 61184

ASSETS$ Amount
CASH:  
 1. Cash on Hand 336,983
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 2,188,223
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 429,723
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 31,337,557
 7. Held-to-Maturity Debt Securities 8,192,000
 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 382,200
 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 54,146,159
 17. Less: Allowance for Loan & Lease Losses 363,346
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 11,429
 20. Land and Building 3,302,583
 21. Other Fixed Assets 110,324
 22. NCUA Share Insurance Capitalization Deposit 970,548
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 104,157,143
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 15,171
 9. Accounts Payable and Other Liabilities 725,796
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 21,900,689
 12. Regular Shares 37,181,302
 13. Money Market Shares 21,279,338
 14. Share Certificates 12,465,155
 15. IRA/KEOGH Accounts 4,842,491
 16. All Other Shares 0
 17. TOTAL SHARES 97,668,975
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 97,668,975
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) 5,795,205
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 2,330,941
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 7,392,870
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 38,117
EQUITY:  
 33. Undivided Earnings 7,392,219
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 1,750,000
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -3,395,018
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 104,157,143
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 2,318,680
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 525,026
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 2,843,706
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 14,580
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 93,869
 8. Interest on Borrowed Money 38
 9. TOTAL INTEREST EXPENSE 108,487
 10. Provision for Loan & Lease Losses -12,658
 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 740,768
 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 0
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 1,062,827
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 1,761,273
 23. Travel and Conference Expense 59,847
 24. Office Occupancy Expense 222,591
 25. Office Operations Expense 747,577
 26. Educational and Promotional Expenses 87,942
 27. Loan Servicing Expense 278,608
 28. Professional and Outside Services 578,485
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 14,801
 31. Miscellaneous Operating Expenses 57,659
 32. TOTAL NON-INTEREST EXPENSE 3,808,783
33. NET INCOME (LOSS) 1,921
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 Loans14.991,548$4,727,707
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans7.5011$29,895
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans15.251,700$4,775,151
 5. New Vehicle Loans3.75672$4,250,405
 6. Used Vehicle Loans5.972,888$10,003,105
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit5.00107$1,874,385
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property6.25125$13,505,218
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property5.29317$10,291,646
 11. All Other Real Estate Loans/Lines of Credit6.197$290,595
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured5.5240$4,044,080
 13. Commercial Loans/Lines of Credit Not Real Estate Secured9.919$353,972
 14. TOTAL LOANS & LEASES7,424$54,146,159
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date3,712$26,049,906
  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 Staff8$821,365
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration2$287,901$287,901
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)2$287,901-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration0$0$0
  b. Other Government Guaranteed0$0$0