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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: March 31, 2022.
Charter Number: 61716

ASSETS$ Amount
CASH:  
 1. Cash on Hand 20,941,072
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 282,551,864
 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 232,646,455
 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 1,793,964
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 1,182,546,092
 17. Less: Allowance for Loan & Lease Losses 5,347,159
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 463,612
 20. Land and Building 32,605,634
 21. Other Fixed Assets 6,405,850
 22. NCUA Share Insurance Capitalization Deposit 13,604,780
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 1,831,199,564
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 20,959,053
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 316,586,318
 12. Regular Shares 464,632,792
 13. Money Market Shares 650,022,668
 14. Share Certificates 146,695,999
 15. IRA/KEOGH Accounts 74,527,193
 16. All Other Shares 0
 17. TOTAL SHARES 1,652,464,970
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 1,652,464,970
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 34,694,760
 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) 82,218,124
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 26,796,695
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 94,481,937
 31. Dollar Amount of Commercial Share Accounts 111,059,068
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 306,515
EQUITY:  
 33. Undivided Earnings 161,726,736
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 3,581,808
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -9,984,122
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 2,451,119
44. TOTAL LIABILITIES, SHARES, AND EQUITY 1,831,199,564
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 12,034,994
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 549,792
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 12,584,786
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 152,712
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 1,110,074
 8. Interest on Borrowed Money 0
 9. TOTAL INTEREST EXPENSE 1,262,786
 10. Provision for Loan & Lease Losses 590,093
 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 1,698,705
 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 6,554
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 566,239
 21. TOTAL NON-INTEREST INCOME 3,799,662
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 7,001,224
 23. Travel and Conference Expense 130,437
 24. Office Occupancy Expense 891,788
 25. Office Operations Expense 2,463,470
 26. Educational and Promotional Expenses 381,823
 27. Loan Servicing Expense 342,396
 28. Professional and Outside Services 669,458
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 30,000
 31. Miscellaneous Operating Expenses 169,854
 32. TOTAL NON-INTEREST EXPENSE 12,080,450
33. NET INCOME (LOSS) 2,451,119
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 Loans9.2226,073$54,430,146
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans5.05133$48,745
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans13.447,856$12,305,089
 5. New Vehicle Loans4.033,852$88,781,431
 6. Used Vehicle Loans4.5815,606$220,391,717
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit5.767,949$177,263,090
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.492,012$360,500,682
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property4.582,989$134,131,883
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.01128$132,868,112
 13. Commercial Loans/Lines of Credit Not Real Estate Secured3.2626$1,825,197
 14. TOTAL LOANS & LEASES66,624$1,182,546,092
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date3,673$96,771,323
  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 Staff9$1,405,644
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration41$521,303$521,303
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)41$521,303-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration5$819,626$819,626
  b. Other Government Guaranteed0$0$0