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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: March 31, 2022.
Charter Number: 68416

ASSETS$ Amount
CASH:  
 1. Cash on Hand 15,886,009
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 326,604,477
 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 406,326,684
 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 938
 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 1,060,909
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 1,480,703,383
 17. Less: Allowance for Loan & Lease Losses 8,955,136
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 99,967
 20. Land and Building 13,966,012
 21. Other Fixed Assets 4,422,333
 22. NCUA Share Insurance Capitalization Deposit 18,943,597
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 2,406,801,621
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 23,500,000
 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 23,500,000
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 1,000
 9. Accounts Payable and Other Liabilities 30,747,734
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 522,055,834
 12. Regular Shares 741,214,042
 13. Money Market Shares 539,283,243
 14. Share Certificates 292,744,426
 15. IRA/KEOGH Accounts 75,325,831
 16. All Other Shares 0
 17. TOTAL SHARES 2,170,623,376
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 2,170,623,376
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) 170,058,904
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 19,037,440
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 403,345,134
 31. Dollar Amount of Commercial Share Accounts -75,925,461
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 241,156
EQUITY:  
 33. Undivided Earnings 208,695,414
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -26,765,903
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 2,406,801,621
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 12,629,565
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 1,645,405
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 14,274,970
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 1,006,782
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 136,275
 9. TOTAL INTEREST EXPENSE 1,143,057
 10. Provision for Loan & Lease Losses 446,421
 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 3,807,041
 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 7,338,065
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 8,794,915
 23. Travel and Conference Expense 24,888
 24. Office Occupancy Expense 978,163
 25. Office Operations Expense 3,263,678
 26. Educational and Promotional Expenses 371,278
 27. Loan Servicing Expense 620,833
 28. Professional and Outside Services 381,048
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 65,345
 31. Miscellaneous Operating Expenses 286,175
 32. TOTAL NON-INTEREST EXPENSE 14,786,323
33. NET INCOME (LOSS) 5,237,234
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 Loans14.248,835$15,047,559
 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 loans9.0215,355$39,531,079
 5. New Vehicle Loans3.696,442$141,337,155
 6. Used Vehicle Loans3.6620,973$335,190,174
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit3.07352$2,362,997
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.502,021$705,293,813
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property4.081,875$61,815,161
 11. All Other Real Estate Loans/Lines of Credit3.611$40,035
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.26143$179,992,186
 13. Commercial Loans/Lines of Credit Not Real Estate Secured4.474$93,224
 14. TOTAL LOANS & LEASES56,001$1,480,703,383
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date4,061$247,539,287
  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 Staff21$3,743,343
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$303,941$0
  b. Other Government Guaranteed0$0$0