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National Credit Union Service Organization

GEAUGA 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 GEAUGA CREDIT UNION as of: September 30, 2021.
Charter Number: 61220

ASSETS$ Amount
CASH:  
 1. Cash on Hand 613,660
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 24,295,319
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 500,000
INVESTMENTS:  
 4. Equity Securities 0
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 0
 7. Held-to-Maturity Debt Securities 450,000
 8. Deposits in commercial banks, S&Ls, savings banks 0
 9. Loans to and investments in natural person credit unions 4,000
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 248,359
 12. All other investments in corporate credit unions 86,000
 13. All other investments 115,593
 14. TOTAL INVESTMENTS 903,952
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 36,089,145
 17. Less: Allowance for Loan & Lease Losses 1,545,838
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 0
 20. Land and Building 1,366,769
 21. Other Fixed Assets 89,405
 22. NCUA Share Insurance Capitalization Deposit 547,210
 23. Intangible Assets 0
 24. Other Assets 244,240
25. TOTAL ASSETS 63,103,862
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 79,209
 9. Accounts Payable and Other Liabilities 94,149
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 12,797,917
 12. Regular Shares 35,883,721
 13. Money Market Shares 0
 14. Share Certificates 5,284,959
 15. IRA/KEOGH Accounts 3,509,893
 16. All Other Shares 0
 17. TOTAL SHARES 57,476,490
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 57,476,490
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 191,789
 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) 3,059,037
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 801,870
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 618,656
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 275
EQUITY:  
 33. Undivided Earnings 4,790,618
 34. Regular Reserves 502,194
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 0
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 161,202
44. TOTAL LIABILITIES, SHARES, AND EQUITY 63,103,862
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 1,283,201
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 9,930
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 1,293,131
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 162,295
 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 162,295
 10. Provision for Loan & Lease Losses -2,879
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 1,133,715
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 94,142
 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 170,162
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 347,016
 23. Travel and Conference Expense 22,388
 24. Office Occupancy Expense 53,085
 25. Office Operations Expense 264,699
 26. Educational and Promotional Expenses 36,461
 27. Loan Servicing Expense 64,121
 28. Professional and Outside Services 65,759
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 7,078
 31. Miscellaneous Operating Expenses 12,059
 32. TOTAL NON-INTEREST EXPENSE 872,666
33. NET INCOME (LOSS) 431,211
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 Loans7.75569$1,098,173
 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 loans14.00947$4,071,205
 5. New Vehicle Loans2.9099$1,850,675
 6. Used Vehicle Loans4.65232$3,045,086
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit7.50313$2,459,809
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.00272$16,275,814
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property3102$2,632,730
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured6.0010$1,299,746
 13. Commercial Loans/Lines of Credit Not Real Estate Secured5.0046$3,355,907
 14. TOTAL LOANS & LEASES2,590$36,089,145
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date4,882$12,636,545
  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 Staff6$121,329
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