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National Credit Union Service Organization

EAST IDAHO 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 EAST IDAHO CREDIT UNION as of: December 31, 2023.
Charter Number: 68376

ASSETS$ Amount
CASH:  
 1. Cash on Hand 5,461,987
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 21,680,577
 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 27,608,673
 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 1,000,000
 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 535,269,741
 17. Less: Allowance for Loan & Lease Losses 0
 18: Less: Allowance for Credit Losses on Loans & Leases 5,102,749
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 542,744
 20. Land and Building 26,980,185
 21. Other Fixed Assets 2,813,902
 22. NCUA Share Insurance Capitalization Deposit 5,235,064
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 670,374,741
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 49,971,697
 2. Other Notes, Promissory Notes and Interest Payable 0
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 10,000,000
 5. Subordinated Debt included in Net Worth 10,000,000
 6. TOTALS 59,971,697
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 826,933
 9. Accounts Payable and Other Liabilities 9,623,676
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 113,056,442
 12. Regular Shares 69,046,209
 13. Money Market Shares 199,374,384
 14. Share Certificates 126,582,118
 15. IRA/KEOGH Accounts 8,960,209
 16. All Other Shares 675,215
 17. TOTAL SHARES 517,694,575
 18. Nonmember Deposits 32,507,000
 19. TOTAL SHARES AND DEPOSITS 550,201,575
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 2,646,716
 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) 57,816,464
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 3,844,294
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 53,267,971
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 245,649
EQUITY:  
 33. Undivided Earnings 47,763,199
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 2,758,843
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -771,182
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 670,374,741
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 28,763,505
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 1,596,048
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 30,359,553
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 1,819,590
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 3,603,970
 8. Interest on Borrowed Money 1,673,143
 9. TOTAL INTEREST EXPENSE 7,096,703
 10. Provision for Loan & Lease Losses 0
 11. Total Credit Loss Expense 5,000,000
 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 4,572,837
 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) 1,349
 21. TOTAL NON-INTEREST INCOME 10,010,554
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 14,097,337
 23. Travel and Conference Expense 617,241
 24. Office Occupancy Expense 1,030,189
 25. Office Operations Expense 3,653,789
 26. Educational and Promotional Expenses 861,879
 27. Loan Servicing Expense 858,137
 28. Professional and Outside Services 3,203,088
 29. Total Member Insurance 5,983
 30. Operating Fees (Examination and/or supervision fees) 93,471
 31. Miscellaneous Operating Expenses 820,308
 32. TOTAL NON-INTEREST EXPENSE 25,241,422
33. NET INCOME (LOSS) 3,031,982
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 Loans15.518,508$18,638,862
 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 loans14.435,701$6,657,547
 5. New Vehicle Loans9.801,375$38,710,005
 6. Used Vehicle Loans11.8011,738$195,928,994
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit10.264,600$119,279,990
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property7.52494$70,413,571
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property8.87663$30,856,686
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured5.4557$43,116,063
 13. Commercial Loans/Lines of Credit Not Real Estate Secured9.63452$11,668,024
 14. TOTAL LOANS & LEASES33,588$535,269,742
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date5,505$139,469,000
  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 Staff48$1,665,300
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