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National Credit Union Service Organization

INDIANA MEMBERS 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 INDIANA MEMBERS CREDIT UNION as of: June 30, 2024.
Charter Number: 68259

ASSETS$ Amount
CASH:  
 1. Cash on Hand 37,524,001
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 140,172,038
 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 1,046,519,989
 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 346,208
 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 1,040,880
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 1,565,354,148
 17. Less: Allowance for Loan & Lease Losses 8,137,831
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 375,623
 20. Land and Building 53,014,508
 21. Other Fixed Assets 5,410,202
 22. NCUA Share Insurance Capitalization Deposit 21,166,796
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 2,927,459,023
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 40,000,000
 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 40,000,000
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 54,669,933
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 706,443,591
 12. Regular Shares 696,176,409
 13. Money Market Shares 965,578,904
 14. Share Certificates 177,038,855
 15. IRA/KEOGH Accounts 109,253,745
 16. All Other Shares 26,840,325
 17. TOTAL SHARES 2,681,331,829
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 2,681,331,829
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 79,900,591
 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) 92,030,813
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 43,101,323
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 293,021,156
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 180,955
EQUITY:  
 33. Undivided Earnings 283,101,226
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 2,980,000
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -134,623,965
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 2,927,459,023
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 44,015,744
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 15,696,843
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 59,712,587
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 7,875,106
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 801,577
 9. TOTAL INTEREST EXPENSE 8,676,683
 10. Provision for Loan & Lease Losses 450,000
 11. Total Credit Loss Expense 0
 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 7,786,487
 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 110,927
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 22,471,881
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 30,968,497
 23. Travel and Conference Expense 496,957
 24. Office Occupancy Expense 1,826,172
 25. Office Operations Expense 9,015,737
 26. Educational and Promotional Expenses 1,702,752
 27. Loan Servicing Expense 2,945,684
 28. Professional and Outside Services 6,815,535
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 138,405
 31. Miscellaneous Operating Expenses 1,501,302
 32. TOTAL NON-INTEREST EXPENSE 55,411,041
33. NET INCOME (LOSS) 17,646,744
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 Loans9.9018,889$39,829,262
 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 loans15.002,719$3,177,533
 5. New Vehicle Loans1.993,969$104,261,959
 6. Used Vehicle Loans2.4924,229$368,697,880
 7. Leases Receivable2.74395$10,430,962
 8. All Other Secured Non-Real Estate Loans/Lines of Credit2.351,639$38,959,768
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.004,588$557,146,636
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property5.53,398$103,457,179
 11. All Other Real Estate Loans/Lines of Credit5.8811$1,047,676
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured3.75278$295,269,494
 13. Commercial Loans/Lines of Credit Not Real Estate Secured6.25709$43,075,799
 14. TOTAL LOANS & LEASES60,824$1,565,354,148
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date32,279$809,010,895
  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 Staff63$3,138,384
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 Administration3$1,109,174$343,124
  b. Other Government Guaranteed0$0$0