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National Credit Union Service Organization

DUPONT 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 DUPONT COMMUNITY CREDIT UNION as of: June 30, 2024.
Charter Number: 62474

ASSETS$ Amount
CASH:  
 1. Cash on Hand 20,701,980
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 95,942,008
 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 482,161,526
 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 1,000,000
 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 253,800
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 1,073,509,203
 17. Less: Allowance for Loan & Lease Losses 4,036,834
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 58,370
 20. Land and Building 46,761,255
 21. Other Fixed Assets 8,498,910
 22. NCUA Share Insurance Capitalization Deposit 15,222,215
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 1,830,409,328
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 0
 2. Other Notes, Promissory Notes and Interest Payable 9,828,300
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 9,828,300
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 26,755,267
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 473,669,498
 12. Regular Shares 427,013,409
 13. Money Market Shares 528,515,488
 14. Share Certificates 175,385,716
 15. IRA/KEOGH Accounts 85,778,568
 16. All Other Shares 1,859,182
 17. TOTAL SHARES 1,692,221,861
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 1,692,221,861
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) 73,461,892
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 30,319,603
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 159,315,533
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 282,232
EQUITY:  
 33. Undivided Earnings 155,042,656
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 192,620
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -5,259,674
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -61,459,946
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 13,088,244
44. TOTAL LIABILITIES, SHARES, AND EQUITY 1,830,409,328
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 32,514,916
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 6,870,222
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 39,385,138
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 2,201,934
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 2,525,335
 8. Interest on Borrowed Money 249,682
 9. TOTAL INTEREST EXPENSE 4,976,951
 10. Provision for Loan & Lease Losses 1,632,646
 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 4,848,164
 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 46,344
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 1,826,265
 21. TOTAL NON-INTEREST INCOME 21,419,497
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 20,239,619
 23. Travel and Conference Expense 251,395
 24. Office Occupancy Expense 2,202,716
 25. Office Operations Expense 12,908,328
 26. Educational and Promotional Expenses 805,720
 27. Loan Servicing Expense 3,707,625
 28. Professional and Outside Services 586,124
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 150,505
 31. Miscellaneous Operating Expenses 254,762
 32. TOTAL NON-INTEREST EXPENSE 41,106,794
33. NET INCOME (LOSS) 13,088,244
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 Loans10.4928,466$90,487,106
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans6.74173$5,925,584
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans9.0010,736$38,586,339
 5. New Vehicle Loans2.891,648$34,666,264
 6. Used Vehicle Loans3.398,707$121,911,738
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit2.01644$9,669,886
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property5.754,756$502,927,076
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property5.751,988$76,209,736
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.25281$190,343,042
 13. Commercial Loans/Lines of Credit Not Real Estate Secured6.5043$2,782,432
 14. TOTAL LOANS & LEASES57,442$1,073,509,203
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date10,730$338,106,496
  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 Staff49$2,121,122
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration3$7,506$7,506
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)3$7,506-
  b. Other Government Guaranteed71$362,570$362,570
 19. Commercial Loans  
  a. Small Business Administration4$1,193,277$470,224
  b. Other Government Guaranteed0$0$0