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National Credit Union Service Organization

FIRST U.S. COMMUNITY 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 FIRST U.S. COMMUNITY CREDIT UNION as of: December 31, 2021.
Charter Number: 68474

ASSETS$ Amount
CASH:  
 1. Cash on Hand 1,661,534
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 66,093,653
 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 96,262,026
 7. Held-to-Maturity Debt Securities 48,469,120
 8. Deposits in commercial banks, S&Ls, savings banks 5,944,000
 9. Loans to and investments in natural person credit unions 249,000
 10. Nonperpetual Capital Account 145,918
 11. Perpetual Contributed Capital 0
 12. All other investments in corporate credit unions 0
 13. All other investments 2,184,000
 14. TOTAL INVESTMENTS 153,254,064
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 275,086,454
 17. Less: Allowance for Loan & Lease Losses 1,879,233
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 45,196
 20. Land and Building 2,387,465
 21. Other Fixed Assets 790,145
 22. NCUA Share Insurance Capitalization Deposit 4,117,568
 23. Intangible Assets 0
 24. Other Assets 20,280,160
25. TOTAL ASSETS 521,837,006
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 0
 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 0
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 96,125
 9. Accounts Payable and Other Liabilities 2,896,309
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 101,944,650
 12. Regular Shares 161,654,726
 13. Money Market Shares 121,164,455
 14. Share Certificates 58,908,771
 15. IRA/KEOGH Accounts 19,217,243
 16. All Other Shares 187,249
 17. TOTAL SHARES 463,077,094
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 463,077,094
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 187,249
 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) 30,558,762
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 4,759,070
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 22,805,848
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 25,506
EQUITY:  
 33. Undivided Earnings 42,839,277
 34. Regular Reserves 6,496,396
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 6,646,733
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -214,928
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 521,837,006
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 10,381,275
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 1,763,950
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 12,145,225
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 1,324,163
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 0
 9. TOTAL INTEREST EXPENSE 1,324,163
 10. Provision for Loan & Lease Losses -170,944
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 10,992,006
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 1,402,468
 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 3,564
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 3,823,956
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 6,035,582
 23. Travel and Conference Expense 43,311
 24. Office Occupancy Expense 620,066
 25. Office Operations Expense 2,364,548
 26. Educational and Promotional Expenses 289,236
 27. Loan Servicing Expense 906,053
 28. Professional and Outside Services 514,895
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 58,882
 31. Miscellaneous Operating Expenses 85,046
 32. TOTAL NON-INTEREST EXPENSE 10,917,619
33. NET INCOME (LOSS) 3,898,343
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 Loans14.904,367$5,033,399
 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 loans14.901,339$3,063,388
 5. New Vehicle Loans3.29720$19,060,075
 6. Used Vehicle Loans3.094,260$62,550,610
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit3.49490$10,769,886
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property2.99867$147,299,081
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property3.99443$8,163,647
 11. All Other Real Estate Loans/Lines of Credit4.501$27,622
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured5.5029$16,097,779
 13. Commercial Loans/Lines of Credit Not Real Estate Secured6.00117$3,020,967
 14. TOTAL LOANS & LEASES12,633$275,086,454
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date5,835$130,204,798
  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 Staff11$2,198,118
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration62$2,043,870$1,997,303
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)51$1,753,211-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration24$7,142,460$5,442,455
  b. Other Government Guaranteed0$0$0