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National Credit Union Service Organization

HOLY ROSARY 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 HOLY ROSARY CREDIT UNION as of: December 31, 2023.
Charter Number: 65088

ASSETS$ Amount
CASH:  
 1. Cash on Hand 5,213,863
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 26,712,824
 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 74,224,537
 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 723,775
 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 267,524,990
 17. Less: Allowance for Loan & Lease Losses 0
 18: Less: Allowance for Credit Losses on Loans & Leases 1,461,503
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 56,525
 20. Land and Building 4,493,056
 21. Other Fixed Assets 1,230,003
 22. NCUA Share Insurance Capitalization Deposit 3,832,744
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 424,984,198
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 2,736,016
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 80,189,018
 12. Regular Shares 119,262,593
 13. Money Market Shares 58,847,087
 14. Share Certificates 107,341,347
 15. IRA/KEOGH Accounts 21,992,793
 16. All Other Shares 1,748,637
 17. TOTAL SHARES 389,381,476
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 389,381,476
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) 65,183,928
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 8,493,961
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 22,697,482
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 72,484
EQUITY:  
 33. Undivided Earnings 36,206,623
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -3,339,917
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 424,984,198
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 12,806,340
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 2,745,014
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 15,551,354
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 3,855,158
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 299
 9. TOTAL INTEREST EXPENSE 3,855,457
 10. Provision for Loan & Lease Losses 0
 11. Total Credit Loss Expense 407,537
 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 2,215,215
 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) 129,382
 21. TOTAL NON-INTEREST INCOME 5,064,648
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 6,818,010
 23. Travel and Conference Expense 178,721
 24. Office Occupancy Expense 776,597
 25. Office Operations Expense 2,268,851
 26. Educational and Promotional Expenses 589,673
 27. Loan Servicing Expense 835,474
 28. Professional and Outside Services 1,802,815
 29. Total Member Insurance 12,698
 30. Operating Fees (Examination and/or supervision fees) 16,800
 31. Miscellaneous Operating Expenses 50,772
 32. TOTAL NON-INTEREST EXPENSE 13,350,411
33. NET INCOME (LOSS) 3,002,597
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 Loans13.995,304$8,857,464
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans9.77181$3,675,423
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans11.241,807$7,968,533
 5. New Vehicle Loans6.74481$10,580,201
 6. Used Vehicle Loans6.742,862$43,328,090
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit9.24322$4,923,207
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property6.631,056$134,843,628
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property7.49649$38,463,557
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured8.6328$13,487,600
 13. Commercial Loans/Lines of Credit Not Real Estate Secured9.5018$1,397,287
 14. TOTAL LOANS & LEASES12,708$267,524,990
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date2,025$68,461,648
  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$572,729
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$264,374$198,280
  b. Other Government Guaranteed0$0$0