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National Credit Union Service Organization

STAR ONE 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 STAR ONE CREDIT UNION as of: December 31, 2020.
Charter Number: 68465

ASSETS$ Amount
CASH:  
 1. Cash on Hand 8,471,622
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 484,255,232
 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 4,789,339,905
 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 900,000
 12. All other investments in corporate credit unions 0
 13. All other investments 17,250,000
 14. TOTAL INVESTMENTS 4,807,489,905
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 4,631,222,122
 17. Less: Allowance for Loan & Lease Losses 8,659,026
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 3,249
 20. Land and Building 11,785,470
 21. Other Fixed Assets 1,055,214
 22. NCUA Share Insurance Capitalization Deposit 64,588,034
 23. Intangible Assets 0
 24. Other Assets 227,338,140
25. TOTAL ASSETS 10,227,549,962
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 244,800,000
 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 244,800,000
 7. Non-Trading Derivative Liabilities 60,279,439
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 73,429,371
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 96,151,615
 12. Regular Shares 7,737,999,993
 13. Money Market Shares 0
 14. Share Certificates 395,094,513
 15. IRA/KEOGH Accounts 397,220,132
 16. All Other Shares 0
 17. TOTAL SHARES 8,626,466,253
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 8,626,466,253
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) 256,340,122
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 89,875,643
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 456,111,261
 31. Dollar Amount of Commercial Share Accounts 0
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 53,596
EQUITY:  
 33. Undivided Earnings 1,094,869,047
 34. Regular Reserves 56,850,821
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -31,400,964
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 13,168,655
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 89,087,340
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 10,227,549,962
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 140,431,819
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 81,151,793
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 221,583,612
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 80,819,143
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 12,143,249
 9. TOTAL INTEREST EXPENSE 92,962,392
 10. Provision for Loan & Lease Losses 3,760,091
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 124,861,129
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 4,544,989
 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) 8,151,404
 15. Gain (Loss) on Equity Securities (DO NOT include Gain (Loss) on other securities) 165,773
 16. Gain (Loss) on Other Securities (DO NOT include Gain or Loss on Equity Securities) 0
 17. Gain (Loss) on Non-Trading Derivatives -1,030,879
 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 11,831,287
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 36,970,675
 23. Travel and Conference Expense 231,826
 24. Office Occupancy Expense 2,993,317
 25. Office Operations Expense 7,150,814
 26. Educational and Promotional Expenses 2,222,167
 27. Loan Servicing Expense 8,097,705
 28. Professional and Outside Services 5,816,766
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 629,137
 31. Miscellaneous Operating Expenses 3,388,697
 32. TOTAL NON-INTEREST EXPENSE 67,501,104
33. NET INCOME (LOSS) 69,191,312
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 Loans7.7518,074$42,011,047
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans3.30700$33,299,513
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans9.752,431$14,003,458
 5. New Vehicle Loans2.805,071$124,523,588
 6. Used Vehicle Loans2.808,659$144,994,096
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit4.60499$10,760,809
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property2.8810,455$3,987,163,293
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property3.252,805$274,466,318
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured0.000$0
 13. Commercial Loans/Lines of Credit Not Real Estate Secured0.000$0
 14. TOTAL LOANS & LEASES48,694$4,631,222,122
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date12,033$3,529,005,151
  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 Status118$3,831,712
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff95$14,250,409
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