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National Credit Union Service Organization

PACIFIC POSTAL 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 PACIFIC POSTAL CREDIT UNION as of: December 31, 2021.
Charter Number: 64835

ASSETS$ Amount
CASH:  
 1. Cash on Hand 452,907
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 15,867,818
 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 106,751,584
 7. Held-to-Maturity Debt Securities 5,705,000
 8. Deposits in commercial banks, S&Ls, savings banks 21,124,000
 9. Loans to and investments in natural person credit unions 2,232,000
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 473,531
 12. All other investments in corporate credit unions 0
 13. All other investments 0
 14. TOTAL INVESTMENTS 136,286,115
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 87,899,700
 17. Less: Allowance for Loan & Lease Losses 463,447
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 16,437
 20. Land and Building 180,506
 21. Other Fixed Assets 79,296
 22. NCUA Share Insurance Capitalization Deposit 2,003,541
 23. Intangible Assets 113,281
 24. Other Assets 13,135,313
25. TOTAL ASSETS 255,571,467
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 0
 9. Accounts Payable and Other Liabilities 1,910,446
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 32,727,278
 12. Regular Shares 97,944,999
 13. Money Market Shares 26,082
 14. Share Certificates 25,616,161
 15. IRA/KEOGH Accounts 14,377,039
 16. All Other Shares 47,108,246
 17. TOTAL SHARES 217,799,805
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 217,799,805
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) 10,767,587
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 4,150,996
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 0
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 0
EQUITY:  
 33. Undivided Earnings 33,623,269
 34. Regular Reserves 2,447,647
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 1,530,744
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -1,740,444
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 255,571,467
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 3,875,205
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 1,687,020
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 5,562,225
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 448,547
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 86
 9. TOTAL INTEREST EXPENSE 448,633
 10. Provision for Loan & Lease Losses 83,500
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 5,030,092
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 585,983
 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) 714,132
 21. TOTAL NON-INTEREST INCOME 1,299,616
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 3,236,569
 23. Travel and Conference Expense 29,960
 24. Office Occupancy Expense 187,344
 25. Office Operations Expense 537,178
 26. Educational and Promotional Expenses 177,428
 27. Loan Servicing Expense 263,733
 28. Professional and Outside Services 665,465
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 32,400
 31. Miscellaneous Operating Expenses 399,825
 32. TOTAL NON-INTEREST EXPENSE 5,529,902
33. NET INCOME (LOSS) 799,806
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 Loans8.491,914$4,645,733
 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 loans9.755,414$8,777,470
 5. New Vehicle Loans2.74617$6,785,055
 6. Used Vehicle Loans3.241,732$12,997,904
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit4.00172$2,435,840
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property4.00176$44,137,864
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property443$2,594,556
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured3.908$5,525,278
 13. Commercial Loans/Lines of Credit Not Real Estate Secured0.000$0
 14. TOTAL LOANS & LEASES10,076$87,899,700
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date7,128$53,995,563
  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 Staff17$642,715
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