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National Credit Union Service Organization

VALLEY 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 VALLEY CREDIT UNION as of: June 30, 2021.
Charter Number: 64169

ASSETS$ Amount
CASH:  
 1. Cash on Hand 788,379
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 2,296,573
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 10,500,000
INVESTMENTS:  
 4. Equity Securities 0
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 9,417,300
 7. Held-to-Maturity Debt Securities 1,488,000
 8. Deposits in commercial banks, S&Ls, savings banks 1,240,000
 9. Loans to and investments in natural person credit unions 1,742,000
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 148,410
 12. All other investments in corporate credit unions 500,000
 13. All other investments 239,000
 14. TOTAL INVESTMENTS 14,774,710
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 60,690,361
 17. Less: Allowance for Loan & Lease Losses 465,490
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 0
 20. Land and Building 1,733,379
 21. Other Fixed Assets 136,125
 22. NCUA Share Insurance Capitalization Deposit 681,255
 23. Intangible Assets 0
 24. Other Assets 2,428,092
25. TOTAL ASSETS 93,563,384
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 3,351,983
 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 3,351,983
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 590,351
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 16,491,461
 12. Regular Shares 26,303,917
 13. Money Market Shares 26,201,391
 14. Share Certificates 3,302,236
 15. IRA/KEOGH Accounts 4,879,972
 16. All Other Shares 405,276
 17. TOTAL SHARES 77,584,253
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 77,584,253
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) 1,190,308
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 2,914,380
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 1,864,901
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 27,256
EQUITY:  
 33. Undivided Earnings 11,543,443
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 48,080
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 445,274
44. TOTAL LIABILITIES, SHARES, AND EQUITY 93,563,384
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 1,583,098
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 143,293
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 1,726,391
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 122,024
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 29,494
 8. Interest on Borrowed Money 37,440
 9. TOTAL INTEREST EXPENSE 188,958
 10. Provision for Loan & Lease Losses 85,756
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 1,451,677
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 118,456
 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) 100,418
 21. TOTAL NON-INTEREST INCOME 474,122
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 791,358
 23. Travel and Conference Expense 7,009
 24. Office Occupancy Expense 59,634
 25. Office Operations Expense 368,265
 26. Educational and Promotional Expenses 39,617
 27. Loan Servicing Expense 71,526
 28. Professional and Outside Services 116,031
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 5,625
 31. Miscellaneous Operating Expenses 21,461
 32. TOTAL NON-INTEREST EXPENSE 1,480,526
33. NET INCOME (LOSS) 445,273
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 Loans7.25773$1,752,043
 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 loans8.7511,678$7,059,158
 5. New Vehicle Loans3.49164$4,123,156
 6. Used Vehicle Loans2.746,661$15,756,052
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit4.24394$6,336,225
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property4.2565$12,652,955
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property4151$7,358,185
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.0018$3,639,692
 13. Commercial Loans/Lines of Credit Not Real Estate Secured3.4957$2,012,895
 14. TOTAL LOANS & LEASES19,961$60,690,361
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date4,808$19,742,658
  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$209,451
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