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National Credit Union Service Organization

NORTHWEST COMMUNITY 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 NORTHWEST COMMUNITY CREDIT UNION as of: December 31, 2023.
Charter Number: 61716

ASSETS$ Amount
CASH:  
 1. Cash on Hand 25,984,771
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 132,366,659
 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 211,444,505
 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 26,863
 11. Perpetual Contributed Capital 0
 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 1,334,493,964
 17. Less: Allowance for Loan & Lease Losses 5,621,531
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 289,938
 20. Land and Building 32,996,476
 21. Other Fixed Assets 7,128,003
 22. NCUA Share Insurance Capitalization Deposit 14,283,799
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 1,811,453,247
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 0
 9. Accounts Payable and Other Liabilities 22,112,443
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 269,523,327
 12. Regular Shares 517,521,914
 13. Money Market Shares 637,788,739
 14. Share Certificates 135,487,895
 15. IRA/KEOGH Accounts 74,364,365
 16. All Other Shares 0
 17. TOTAL SHARES 1,634,686,240
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 1,634,686,240
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 24,755,398
 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) 74,942,429
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 26,120,575
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 158,422,791
 31. Dollar Amount of Commercial Share Accounts 116,025,981
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 252,900
EQUITY:  
 33. Undivided Earnings 161,726,736
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 3,581,808
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -19,107,684
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 8,453,704
44. TOTAL LIABILITIES, SHARES, AND EQUITY 1,811,453,247
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 38,470,751
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 3,492,271
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 41,963,022
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 483,022
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 3,291,765
 8. Interest on Borrowed Money 2
 9. TOTAL INTEREST EXPENSE 3,774,789
 10. Provision for Loan & Lease Losses 2,008,397
 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 5,462,832
 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 38,056
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 1,136,419
 21. TOTAL NON-INTEREST INCOME 9,815,491
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 21,102,557
 23. Travel and Conference Expense 373,859
 24. Office Occupancy Expense 2,597,393
 25. Office Operations Expense 7,577,278
 26. Educational and Promotional Expenses 1,318,319
 27. Loan Servicing Expense 929,030
 28. Professional and Outside Services 2,082,470
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 88,121
 31. Miscellaneous Operating Expenses 1,472,596
 32. TOTAL NON-INTEREST EXPENSE 37,541,623
33. NET INCOME (LOSS) 8,453,704
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 Loans10.0525,972$57,684,661
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans6.12108$35,815
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans14.368,333$13,433,391
 5. New Vehicle Loans4.165,498$165,017,466
 6. Used Vehicle Loans4.6415,862$242,139,130
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit5.868,580$193,590,813
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.651,996$358,370,654
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property4.913,101$137,598,595
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured3.81134$165,503,029
 13. Commercial Loans/Lines of Credit Not Real Estate Secured5.2327$1,120,410
 14. TOTAL LOANS & LEASES69,611$1,334,493,964
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date13,225$391,860,869
  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$485,857
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration2$16,604$16,604
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)2$16,604-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration0$0$0
  b. Other Government Guaranteed0$0$0