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National Credit Union Service Organization

POST OFFICE EMPLOYEES' 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 POST OFFICE EMPLOYEES' CREDIT UNION as of: December 31, 2023.
Charter Number: 63069

ASSETS$ Amount
CASH:  
 1. Cash on Hand 804,187
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 1,709,032
 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 0
 7. Held-to-Maturity Debt Securities 73,300
 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 46,016
 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 28,196,317
 17. Less: Allowance for Loan & Lease Losses 0
 18: Less: Allowance for Credit Losses on Loans & Leases 214,905
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 0
 20. Land and Building 438,859
 21. Other Fixed Assets 23,121
 22. NCUA Share Insurance Capitalization Deposit 440,061
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 49,546,940
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 18,846
 9. Accounts Payable and Other Liabilities 540,699
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 500
SHARES/DEPOSITS:  
 11. Share Drafts 8,216,725
 12. Regular Shares 31,572,227
 13. Money Market Shares 0
 14. Share Certificates 2,863,785
 15. IRA/KEOGH Accounts 566,828
 16. All Other Shares 15,820
 17. TOTAL SHARES 43,235,385
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 43,235,385
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) 571,104
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 133,233
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 136,043
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 30,280
EQUITY:  
 33. Undivided Earnings 3,359,702
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 2,391,808
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 0
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 49,546,940
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 1,402,324
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 645,154
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 2,047,478
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 156,005
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 114
 9. TOTAL INTEREST EXPENSE 156,119
 10. Provision for Loan & Lease Losses 0
 11. Total Credit Loss Expense 105,500
 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 480,636
 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) 302,905
 21. TOTAL NON-INTEREST INCOME 813,614
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 1,008,160
 23. Travel and Conference Expense 57,462
 24. Office Occupancy Expense 227,083
 25. Office Operations Expense 524,441
 26. Educational and Promotional Expenses 92,126
 27. Loan Servicing Expense 143,685
 28. Professional and Outside Services 12,000
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 18,000
 31. Miscellaneous Operating Expenses 0
 32. TOTAL NON-INTEREST EXPENSE 2,082,957
33. NET INCOME (LOSS) 516,516
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 Loans8.60866$1,580,054
 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 loans8.47623$2,652,380
 5. New Vehicle Loans4.39163$3,823,734
 6. Used Vehicle Loans5.55313$4,991,032
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit3.9454$876,267
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.7255$8,523,524
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property6.4390$3,334,143
 11. All Other Real Estate Loans/Lines of Credit5.082$64,910
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.154$1,821,313
 13. Commercial Loans/Lines of Credit Not Real Estate Secured7.453$528,960
 14. TOTAL LOANS & LEASES2,173$28,196,317
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date624$9,334,074
  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 Staff16$719,965
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 Administration1$528,959$370,271
  b. Other Government Guaranteed0$0$0