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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: March 31, 2022.
Charter Number: 68645

ASSETS$ Amount
CASH:  
 1. Cash on Hand 262,176,410
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 1,302,752,148
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 529,216,954
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 2,239,261,076
 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 10,541,212,845
 17. Less: Allowance for Loan & Lease Losses 136,069,074
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 1,205,327
 20. Land and Building 147,629,044
 21. Other Fixed Assets 22,089,831
 22. NCUA Share Insurance Capitalization Deposit 119,230,517
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 15,330,216,039
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 50,000,000
 2. Other Notes, Promissory Notes and Interest Payable 503,782
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 50,503,782
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 520
 9. Accounts Payable and Other Liabilities 182,270,133
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 2,650,618,548
 12. Regular Shares 4,210,249,309
 13. Money Market Shares 4,188,623,493
 14. Share Certificates 1,840,387,215
 15. IRA/KEOGH Accounts 1,036,049,453
 16. All Other Shares 13,184,626
 17. TOTAL SHARES 13,939,112,644
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 13,939,112,644
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) 1,053,925,775
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 491,773,175
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 609,521,530
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 3,677,975
EQUITY:  
 33. Undivided Earnings 1,199,882,228
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 89,415,436
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -130,968,704
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 15,330,216,039
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 103,660,484
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 6,845,731
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 110,506,215
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 15,831,847
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 161,781
 9. TOTAL INTEREST EXPENSE 15,993,628
 10. Provision for Loan & Lease Losses 9,000,000
 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 11,277,804
 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 -177,517
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) -2,800,004
 21. TOTAL NON-INTEREST INCOME 24,124,836
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 38,228,351
 23. Travel and Conference Expense 214,259
 24. Office Occupancy Expense 5,688,675
 25. Office Operations Expense 8,494,867
 26. Educational and Promotional Expenses 2,144,352
 27. Loan Servicing Expense 3,715,434
 28. Professional and Outside Services 11,636,797
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 288,802
 31. Miscellaneous Operating Expenses 2,561,804
 32. TOTAL NON-INTEREST EXPENSE 72,973,341
33. NET INCOME (LOSS) 36,664,082
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 Loans11.90231,408$823,494,379
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans6.00314$7,087,230
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans10.7597,536$321,670,457
 5. New Vehicle Loans3.0051,188$1,298,960,362
 6. Used Vehicle Loans3.00196,061$3,350,158,297
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit9.2524,532$314,382,883
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property4.5030,326$4,106,665,487
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property47,611$229,133,776
 11. All Other Real Estate Loans/Lines of Credit4.8810$448,551
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.75112$86,036,046
 13. Commercial Loans/Lines of Credit Not Real Estate Secured2.2562$3,175,377
 14. TOTAL LOANS & LEASES639,160$10,541,212,845
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date71,893$1,786,295,570
  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 Staff52$3,308,876
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration680$12,517,247$12,267,017
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)669$11,461,987-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration6$4,927,549$3,880,994
  b. Other Government Guaranteed0$0$0