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National Credit Union Service Organization

NAVY ARMY 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 NAVY ARMY COMMUNITY CREDIT UNION as of: December 31, 2021.
Charter Number: 68615

ASSETS$ Amount
CASH:  
 1. Cash on Hand 16,812,794
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 661,534,484
 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 0
 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 0
 12. All other investments in corporate credit unions 0
 13. All other investments 1,841,000
 14. TOTAL INVESTMENTS 1,841,000
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 3,232,488,723
 17. Less: Allowance for Loan & Lease Losses 36,053,716
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 2,657,316
 20. Land and Building 64,095,454
 21. Other Fixed Assets 9,749,523
 22. NCUA Share Insurance Capitalization Deposit 29,754,354
 23. Intangible Assets 0
 24. Other Assets 59,316,096
25. TOTAL ASSETS 4,042,196,028
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 6,644
 9. Accounts Payable and Other Liabilities 36,210,570
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 899,280,505
 12. Regular Shares 719,326,398
 13. Money Market Shares 410,876,161
 14. Share Certificates 1,338,509,906
 15. IRA/KEOGH Accounts 207,695,166
 16. All Other Shares 0
 17. TOTAL SHARES 3,575,688,136
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 3,575,688,136
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) 992,615,919
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 102,989,184
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 148,478,372
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 1,615,030
EQUITY:  
 33. Undivided Earnings 455,927,715
 34. Regular Reserves 4,223,577
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -29,860,614
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 0
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 4,042,196,028
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 170,588,936
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 771,669
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 171,360,605
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 41,705,220
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 485,611
 9. TOTAL INTEREST EXPENSE 42,190,831
 10. Provision for Loan & Lease Losses 17,869,115
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 111,300,659
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 22,410,442
 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 132,434
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) -1,699,247
 21. TOTAL NON-INTEREST INCOME 45,380,775
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 46,576,289
 23. Travel and Conference Expense 681,566
 24. Office Occupancy Expense 5,626,059
 25. Office Operations Expense 26,392,052
 26. Educational and Promotional Expenses 2,635,225
 27. Loan Servicing Expense 3,925,286
 28. Professional and Outside Services 8,475,700
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 202,055
 31. Miscellaneous Operating Expenses -375,875
 32. TOTAL NON-INTEREST EXPENSE 94,138,357
33. NET INCOME (LOSS) 62,543,077
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 Loans13.00759$2,081,469
 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 loans16.2521,170$78,093,536
 5. New Vehicle Loans3.9932,587$886,884,941
 6. Used Vehicle Loans3.9953,108$1,060,380,429
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit3.994,136$67,843,595
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property4.009,715$1,033,746,522
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property4.7590$2,811,905
 11. All Other Real Estate Loans/Lines of Credit6.2567$6,177,321
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured6.25153$89,361,370
 13. Commercial Loans/Lines of Credit Not Real Estate Secured5.5029$5,107,635
 14. TOTAL LOANS & LEASES121,814$3,232,488,723
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date42,244$1,364,293,043
  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 Staff53$5,442,976
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration106$4,416,554$4,416,554
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)106$4,416,554-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration2$1,428,520$1,077,259
  b. Other Government Guaranteed0$0$0