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National Credit Union Service Organization

KEYPOINT 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 KEYPOINT CREDIT UNION as of: December 31, 2021.
Charter Number: 65299

ASSETS$ Amount
CASH:  
 1. Cash on Hand 9,683,108
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 184,411,934
 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 253,584,713
 7. Held-to-Maturity Debt Securities 1,066
 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 0
 12. All other investments in corporate credit unions 0
 13. All other investments 17,291,700
 14. TOTAL INVESTMENTS 270,877,479
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 10,048,276
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 1,109,889,301
 17. Less: Allowance for Loan & Lease Losses 3,953,589
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 2,501,636
 20. Land and Building 7,905,944
 21. Other Fixed Assets 4,143,606
 22. NCUA Share Insurance Capitalization Deposit 10,494,942
 23. Intangible Assets 0
 24. Other Assets 33,063,720
25. TOTAL ASSETS 1,639,066,357
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 109,000,000
 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 109,000,000
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 16,709,646
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 106,530,326
 12. Regular Shares 896,951,672
 13. Money Market Shares 211,782,422
 14. Share Certificates 130,785,759
 15. IRA/KEOGH Accounts 29,776,061
 16. All Other Shares 2,044,400
 17. TOTAL SHARES 1,377,870,640
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 1,377,870,640
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 2,044,400
 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) 73,504,326
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 11,279,315
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 463,081,632
 31. Dollar Amount of Commercial Share Accounts 69,722,094
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 166,723
EQUITY:  
 33. Undivided Earnings 136,501,490
 34. Regular Reserves 2,756,230
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -3,771,649
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 1,639,066,357
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 34,771,616
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 4,278,855
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 39,050,471
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 2,708,258
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 2,847,310
 9. TOTAL INTEREST EXPENSE 5,555,568
 10. Provision for Loan & Lease Losses 2,110,000
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 31,384,903
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 3,129,666
 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 25,860,300
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) -2,956
 21. TOTAL NON-INTEREST INCOME 41,173,940
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 25,079,215
 23. Travel and Conference Expense 324,778
 24. Office Occupancy Expense 3,643,278
 25. Office Operations Expense 6,878,301
 26. Educational and Promotional Expenses 1,185,571
 27. Loan Servicing Expense 1,613,246
 28. Professional and Outside Services 4,467,851
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 179,396
 31. Miscellaneous Operating Expenses 486,750
 32. TOTAL NON-INTEREST EXPENSE 43,858,386
33. NET INCOME (LOSS) 28,700,457
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 Loans11.997,141$10,724,070
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans5.365$124,263
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans15.905,512$79,921,130
 5. New Vehicle Loans2.994,196$65,856,334
 6. Used Vehicle Loans3.494,190$53,830,756
 7. Leases Receivable3.371$122,678
 8. All Other Secured Non-Real Estate Loans/Lines of Credit2.492,272$79,106,750
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property2.991,357$557,840,868
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property3.991,589$77,948,335
 11. All Other Real Estate Loans/Lines of Credit4.204$116,966
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.20258$182,094,780
 13. Commercial Loans/Lines of Credit Not Real Estate Secured5.7514$2,202,371
 14. TOTAL LOANS & LEASES26,539$1,109,889,301
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date6,703$689,937,238
  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 Staff23$4,504,508
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration15$4,253,029$4,011,166
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)8$4,011,166-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration56$19,443,616$10,048,276
  b. Other Government Guaranteed0$0$0