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National Credit Union Service Organization

A+ FEDERAL 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 A+ FEDERAL CREDIT UNION as of: December 31, 2022.
Charter Number: 6178

ASSETS$ Amount
CASH:  
 1. Cash on Hand 29,463,699
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 86,629,650
 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 37,621,774
 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 0
 11. Perpetual Contributed Capital 1,650,000
 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 2,390,097,073
 17. Less: Allowance for Loan & Lease Losses 10,171,726
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 3,956,289
 20. Land and Building 48,828,794
 21. Other Fixed Assets 2,474,165
 22. NCUA Share Insurance Capitalization Deposit 18,713,170
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 2,745,167,489
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 30,000,000
 2. Other Notes, Promissory Notes and Interest Payable 240,000,000
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 270,000,000
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 24,624,186
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 485,937,482
 12. Regular Shares 984,913,723
 13. Money Market Shares 257,336,726
 14. Share Certificates 317,808,168
 15. IRA/KEOGH Accounts 77,212,704
 16. All Other Shares 29,162,685
 17. TOTAL SHARES 2,152,371,488
 18. Nonmember Deposits 35,224,000
 19. TOTAL SHARES AND DEPOSITS 2,187,595,488
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) 178,291,869
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 12,183,639
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 121,444,091
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 745,862
EQUITY:  
 33. Undivided Earnings 264,843,262
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -1,895,447
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 2,745,167,489
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 81,307,322
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 1,457,951
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 82,765,273
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 5,345,696
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 3,711,237
 9. TOTAL INTEREST EXPENSE 9,056,933
 10. Provision for Loan & Lease Losses 5,305,000
 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 8,901,060
 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) -8,036
 21. TOTAL NON-INTEREST INCOME 22,736,759
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 32,441,917
 23. Travel and Conference Expense 163,876
 24. Office Occupancy Expense 3,415,772
 25. Office Operations Expense 5,099,525
 26. Educational and Promotional Expenses 2,092,926
 27. Loan Servicing Expense 3,848,729
 28. Professional and Outside Services 9,221,797
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 266,940
 31. Miscellaneous Operating Expenses 1,205,053
 32. TOTAL NON-INTEREST EXPENSE 57,756,535
33. NET INCOME (LOSS) 33,383,564
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 Loans0.000$0
 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 loans9.9930,201$85,625,960
 5. New Vehicle Loans6.197,185$201,750,325
 6. Used Vehicle Loans6.1932,104$602,147,583
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit8.1415,239$402,874,901
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property6.506,977$865,996,003
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property6.25947$50,114,640
 11. All Other Real Estate Loans/Lines of Credit6.5011$257,286
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured7.63213$179,155,756
 13. Commercial Loans/Lines of Credit Not Real Estate Secured12.3810$2,174,619
 14. TOTAL LOANS & LEASES92,887$2,390,097,073
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date24,690$1,082,069,284
  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 Staff21$2,297,917
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration3$38,802$38,802
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)3$38,802-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration2$317,488$238,116
  b. Other Government Guaranteed0$0$0