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National Credit Union Service Organization

SUNCOAST 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 SUNCOAST CREDIT UNION as of: September 30, 2022.
Charter Number: 68645

ASSETS$ Amount
CASH:  
 1. Cash on Hand 191,637,701
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 525,768,283
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 390,642,393
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 2,370,657,554
 7. Held-to-Maturity Debt Securities 15,540,000
 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 1,863,966
 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 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 11,789,358,372
 17. Less: Allowance for Loan & Lease Losses 134,212,025
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 943,248
 20. Land and Building 147,440,017
 21. Other Fixed Assets 21,099,371
 22. NCUA Share Insurance Capitalization Deposit 127,286,405
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 15,749,578,366
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 175,000,000
 5. Subordinated Debt included in Net Worth 175,000,000
 6. TOTALS 175,000,000
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 409
 9. Accounts Payable and Other Liabilities 187,128,920
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 2,748,095,399
 12. Regular Shares 4,195,538,368
 13. Money Market Shares 4,486,195,444
 14. Share Certificates 1,812,218,239
 15. IRA/KEOGH Accounts 1,045,173,909
 16. All Other Shares 12,679,315
 17. TOTAL SHARES 14,299,900,674
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 14,299,900,674
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) 1,047,554,672
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 501,122,171
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 642,986,390
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 5,937,297
EQUITY:  
 33. Undivided Earnings 1,361,857,589
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -274,309,226
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 15,749,578,366
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 331,104,588
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 31,335,174
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 362,439,762
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 50,979,530
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 718,559
 9. TOTAL INTEREST EXPENSE 51,698,089
 10. Provision for Loan & Lease Losses 35,000,000
 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 36,527,835
 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 -220,036
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) -15,925,073
 21. TOTAL NON-INTEREST INCOME 68,335,219
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 127,684,060
 23. Travel and Conference Expense 1,048,206
 24. Office Occupancy Expense 17,194,471
 25. Office Operations Expense 25,517,870
 26. Educational and Promotional Expenses 6,439,978
 27. Loan Servicing Expense 11,429,482
 28. Professional and Outside Services 36,040,097
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 882,094
 31. Miscellaneous Operating Expenses 8,616,627
 32. TOTAL NON-INTEREST EXPENSE 234,852,885
33. NET INCOME (LOSS) 109,224,007
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 Loans11.90246,622$884,284,496
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans6.00290$6,315,678
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans10.75110,552$361,819,798
 5. New Vehicle Loans5.2556,785$1,587,600,822
 6. Used Vehicle Loans5.25209,958$3,889,913,137
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit6.5026,256$369,204,150
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property6.6330,765$4,268,867,624
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property6.258,722$284,038,492
 11. All Other Real Estate Loans/Lines of Credit5.2511$438,885
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured3.75126$131,361,841
 13. Commercial Loans/Lines of Credit Not Real Estate Secured3.7594$5,513,449
 14. TOTAL LOANS & LEASES690,181$11,789,358,372
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date197,234$5,728,638,732
  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$3,276,542
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration193$3,941,250$3,721,755
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)183$3,027,512-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration6$6,627,443$5,148,143
  b. Other Government Guaranteed0$0$0