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National Credit Union Service Organization

ORANGE COUNTY'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 ORANGE COUNTY'S CREDIT UNION as of: June 30, 2021.
Charter Number: 68416

ASSETS$ Amount
CASH:  
 1. Cash on Hand 15,885,402
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 390,475,848
 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 317,950,082
 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 200,000
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 938
 12. All other investments in corporate credit unions 0
 13. All other investments 8,570,000
 14. TOTAL INVESTMENTS 326,721,020
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 2,446,662
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 1,414,976,617
 17. Less: Allowance for Loan & Lease Losses 9,755,499
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 97,151
 20. Land and Building 14,287,671
 21. Other Fixed Assets 5,130,955
 22. NCUA Share Insurance Capitalization Deposit 17,917,481
 23. Intangible Assets 0
 24. Other Assets 95,625,335
25. TOTAL ASSETS 2,273,808,643
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 0
 2. Other Notes, Promissory Notes and Interest Payable 29,069,770
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 29,069,770
 7. Non-Trading Derivative Liabilities 1,115,644
 8. Accrued Dividends & Interest Payable on Shares & Deposits 2,201
 9. Accounts Payable and Other Liabilities 21,103,346
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 100,350,693
 12. Regular Shares 1,019,232,948
 13. Money Market Shares 507,042,061
 14. Share Certificates 322,725,998
 15. IRA/KEOGH Accounts 78,822,267
 16. All Other Shares 0
 17. TOTAL SHARES 2,028,173,967
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 2,028,173,967
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) 187,704,266
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 28,083,063
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 349,291,694
 31. Dollar Amount of Commercial Share Accounts 64,489,250
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 316,228
EQUITY:  
 33. Undivided Earnings 180,178,394
 34. Regular Reserves 14,248,147
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -82,826
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 2,273,808,643
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 23,534,151
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 1,842,550
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 25,376,701
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 0
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 2,910,191
 8. Interest on Borrowed Money 352,404
 9. TOTAL INTEREST EXPENSE 3,262,595
 10. Provision for Loan & Lease Losses 877,579
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 21,236,527
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 6,788,610
 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) 123,699
 21. TOTAL NON-INTEREST INCOME 11,961,120
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 17,529,496
 23. Travel and Conference Expense 25,911
 24. Office Occupancy Expense 1,950,606
 25. Office Operations Expense 6,435,128
 26. Educational and Promotional Expenses 829,430
 27. Loan Servicing Expense 830,504
 28. Professional and Outside Services 1,020,254
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 110,733
 31. Miscellaneous Operating Expenses 418,813
 32. TOTAL NON-INTEREST EXPENSE 29,150,875
33. NET INCOME (LOSS) 4,046,772
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 Loans14.248,575$13,622,204
 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 loans9.9714,804$28,606,211
 5. New Vehicle Loans3.766,835$143,997,528
 6. Used Vehicle Loans3.8119,024$281,105,904
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit3.09410$2,349,753
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.622,013$717,842,203
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property4.111,794$54,920,632
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.11140$172,435,765
 13. Commercial Loans/Lines of Credit Not Real Estate Secured7.124$96,417
 14. TOTAL LOANS & LEASES53,599$1,414,976,617
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date19,490$878,084,982
  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 Staff39$5,663,106
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$309,863$0
  b. Other Government Guaranteed0$0$0