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National Credit Union Service Organization

ST. MARY'S 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 ST. MARY'S CREDIT UNION as of: December 31, 2023.
Charter Number: 67864

ASSETS$ Amount
CASH:  
 1. Cash on Hand 2,524,001
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 11,466,988
 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 203,360,649
 7. Held-to-Maturity Debt Securities 117,097
 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 0
 14. TOTAL INVESTMENTS 0
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 748,951,170
 17. Less: Allowance for Loan & Lease Losses 0
 18: Less: Allowance for Credit Losses on Loans & Leases 3,693,708
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 57,700
 20. Land and Building 13,790,217
 21. Other Fixed Assets 3,026,999
 22. NCUA Share Insurance Capitalization Deposit 7,318,266
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 992,822,629
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 90,678,050
 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 90,678,050
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 292,658
 9. Accounts Payable and Other Liabilities 3,421,718
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 222,149,326
 12. Regular Shares 203,726,274
 13. Money Market Shares 94,651,497
 14. Share Certificates 250,975,935
 15. IRA/KEOGH Accounts 50,268,040
 16. All Other Shares 0
 17. TOTAL SHARES 821,771,072
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 821,771,072
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) 182,635,172
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 22,578,076
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 45,722,092
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 289,557
EQUITY:  
 33. Undivided Earnings 112,314,618
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -35,655,487
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 992,822,629
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 30,085,613
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 5,772,620
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 35,858,233
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 9,401,363
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 3,285,961
 9. TOTAL INTEREST EXPENSE 12,687,324
 10. Provision for Loan & Lease Losses 0
 11. Total Credit Loss Expense 177,993
 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 1,767,650
 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) 0
 21. TOTAL NON-INTEREST INCOME 5,197,453
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 12,914,398
 23. Travel and Conference Expense 143,111
 24. Office Occupancy Expense 1,862,570
 25. Office Operations Expense 4,909,541
 26. Educational and Promotional Expenses 1,081,230
 27. Loan Servicing Expense 981,483
 28. Professional and Outside Services 1,772,028
 29. Total Member Insurance 39,815
 30. Operating Fees (Examination and/or supervision fees) 80,000
 31. Miscellaneous Operating Expenses 166,509
 32. TOTAL NON-INTEREST EXPENSE 23,950,685
33. NET INCOME (LOSS) 4,239,684
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 Loans0.000$0
 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 loans11.252,861$19,793,211
 5. New Vehicle Loans5.085,248$121,999,787
 6. Used Vehicle Loans5.6010,057$138,621,699
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit5.21120$1,747,898
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.691,660$327,447,239
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property6.821,884$75,574,787
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.5395$53,231,763
 13. Commercial Loans/Lines of Credit Not Real Estate Secured6.09278$10,534,786
 14. TOTAL LOANS & LEASES22,203$748,951,170
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date5,260$226,688,461
  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 Staff6$419,316
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration2$15,102$15,102
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)2$15,102-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration159$6,209,184$4,458,027
  b. Other Government Guaranteed0$0$0