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National Credit Union Service Organization

EVANGELICAL CHRISTIAN 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 EVANGELICAL CHRISTIAN CREDIT UNION as of: June 30, 2021.
Charter Number: 63837

ASSETS$ Amount
CASH:  
 1. Cash on Hand 720,223
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 49,232,807
 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 113,434,568
 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 1,750,000
 12. All other investments in corporate credit unions 0
 13. All other investments 4,576,365
 14. TOTAL INVESTMENTS 119,760,933
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 390,983,857
 17. Less: Allowance for Loan & Lease Losses 9,839,097
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 0
 20. Land and Building 42,804,012
 21. Other Fixed Assets 351,682
 22. NCUA Share Insurance Capitalization Deposit 4,178,857
 23. Intangible Assets 0
 24. Other Assets 20,569,021
25. TOTAL ASSETS 618,762,295
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 570
 9. Accounts Payable and Other Liabilities 5,236,284
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 232,444,085
 12. Regular Shares 59,725,918
 13. Money Market Shares 178,164,818
 14. Share Certificates 79,592,817
 15. IRA/KEOGH Accounts 6,883,516
 16. All Other Shares 0
 17. TOTAL SHARES 556,811,154
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 556,811,154
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) 62,090,234
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 1,911,241
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 345,643,498
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 1,408
EQUITY:  
 33. Undivided Earnings 38,768,251
 34. Regular Reserves 17,319,454
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 626,582
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 618,762,295
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 8,150,777
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 498,972
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 8,649,749
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 1,156,736
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 9,461
 9. TOTAL INTEREST EXPENSE 1,166,197
 10. Provision for Loan & Lease Losses 123,668
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 7,359,884
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 1,505,950
 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) 1,260,472
 21. TOTAL NON-INTEREST INCOME 4,308,295
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 5,695,753
 23. Travel and Conference Expense 126,167
 24. Office Occupancy Expense 609,471
 25. Office Operations Expense 2,060,670
 26. Educational and Promotional Expenses 728,912
 27. Loan Servicing Expense 192,279
 28. Professional and Outside Services 747,370
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 43,932
 31. Miscellaneous Operating Expenses 760,420
 32. TOTAL NON-INTEREST EXPENSE 10,964,974
33. NET INCOME (LOSS) 703,205
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 Loans6.251,667$2,535,107
 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 loans6.74558$19,275,531
 5. New Vehicle Loans3.991,781$27,811,898
 6. Used Vehicle Loans3.992,682$27,982,172
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit2.991,151$32,691,913
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property4.501$27,870
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property00$0
 11. All Other Real Estate Loans/Lines of Credit6.0019$1,317,254
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured5.50230$278,969,312
 13. Commercial Loans/Lines of Credit Not Real Estate Secured6.2548$372,800
 14. TOTAL LOANS & LEASES8,137$390,983,857
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date1,206$161,156,177
  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 Staff3$39,184
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 Administration0$0$0
  b. Other Government Guaranteed0$0$0