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National Credit Union Service Organization

GOLDEN CIRCLE 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 GOLDEN CIRCLE CREDIT UNION as of: June 30, 2021.
Charter Number: 61239

ASSETS$ Amount
CASH:  
 1. Cash on Hand 1,287,502
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 3,429,652
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 1,049,126
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 24,277,522
 7. Held-to-Maturity Debt Securities 0
 8. Deposits in commercial banks, S&Ls, savings banks 10,695,000
 9. Loans to and investments in natural person credit unions 995,000
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 883,180
 12. All other investments in corporate credit unions 0
 13. All other investments 244,919
 14. TOTAL INVESTMENTS 38,144,747
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 43,448,939
 17. Less: Allowance for Loan & Lease Losses 369,181
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 0
 20. Land and Building 1,655,888
 21. Other Fixed Assets 53,338
 22. NCUA Share Insurance Capitalization Deposit 770,342
 23. Intangible Assets 0
 24. Other Assets 6,949,714
25. TOTAL ASSETS 95,370,941
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 4,874
 9. Accounts Payable and Other Liabilities 560,575
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 12,691,976
 12. Regular Shares 46,968,405
 13. Money Market Shares 9,664,257
 14. Share Certificates 3,358,528
 15. IRA/KEOGH Accounts 2,384,845
 16. All Other Shares 0
 17. TOTAL SHARES 75,068,011
 18. Nonmember Deposits 5,060,000
 19. TOTAL SHARES AND DEPOSITS 80,128,011
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) 909,444
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 478,922
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 50,157
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 5,710
EQUITY:  
 33. Undivided Earnings 10,889,096
 34. Regular Reserves 3,435,755
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 198,316
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 154,314
44. TOTAL LIABILITIES, SHARES, AND EQUITY 95,370,941
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 891,013
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 303,271
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 1,194,284
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 88,457
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 37
 9. TOTAL INTEREST EXPENSE 88,494
 10. Provision for Loan & Lease Losses 0
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 1,105,790
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 127,034
 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 -14,679
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 225,449
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 503,321
 23. Travel and Conference Expense 473
 24. Office Occupancy Expense 72,241
 25. Office Operations Expense 160,735
 26. Educational and Promotional Expenses 28,507
 27. Loan Servicing Expense 134,999
 28. Professional and Outside Services 256,363
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 10,643
 31. Miscellaneous Operating Expenses 9,643
 32. TOTAL NON-INTEREST EXPENSE 1,176,925
33. NET INCOME (LOSS) 154,314
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 Loans12.991,352$2,325,085
 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 loans8.99236$979,683
 5. New Vehicle Loans3.75623$12,659,050
 6. Used Vehicle Loans4.25841$10,862,759
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit4.00342$3,338,963
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property4.0013$535,307
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property41$395
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.00112$12,747,697
 13. Commercial Loans/Lines of Credit Not Real Estate Secured0.000$0
 14. TOTAL LOANS & LEASES3,520$43,448,939
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date322$7,598,398
  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 Staff4$81,019
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