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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, 2021.
Charter Number: 68645

ASSETS$ Amount
CASH:  
 1. Cash on Hand 213,035,686
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 1,626,218,797
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 200,000,000
INVESTMENTS:  
 4. Equity Securities 410,754,519
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 1,241,206,105
 7. Held-to-Maturity Debt Securities 27,629,682
 8. Deposits in commercial banks, S&Ls, savings banks 500,000
 9. Loans to and investments in natural person credit unions 1,850,000
 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 31,711,567
 14. TOTAL INVESTMENTS 1,715,515,839
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 27,625,558
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 9,390,549,832
 17. Less: Allowance for Loan & Lease Losses 143,924,993
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 618,527
 20. Land and Building 148,847,716
 21. Other Fixed Assets 27,287,745
 22. NCUA Share Insurance Capitalization Deposit 102,604,456
 23. Intangible Assets 4,354,167
 24. Other Assets 158,906,329
25. TOTAL ASSETS 13,471,639,659
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 50,000,000
 2. Other Notes, Promissory Notes and Interest Payable 502,304
 3. Borrowing Repurchase Transactions 64,923,896
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 200,000
 6. TOTALS 115,626,200
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 516
 9. Accounts Payable and Other Liabilities 151,090,506
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 2,262,538,168
 12. Regular Shares 3,653,271,903
 13. Money Market Shares 2,961,341,400
 14. Share Certificates 2,171,379,136
 15. IRA/KEOGH Accounts 1,034,182,121
 16. All Other Shares 12,422,028
 17. TOTAL SHARES 12,095,134,756
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 12,095,134,756
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 12,422,029
 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) 1,313,130,695
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 488,036,937
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 456,220,252
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 2,081,353
EQUITY:  
 33. Undivided Earnings 1,025,246,133
 34. Regular Reserves 89,415,436
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -4,873,888
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 13,471,639,659
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 99,297,386
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 3,417,347
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 102,714,733
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 18,930,633
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 516,152
 9. TOTAL INTEREST EXPENSE 19,446,785
 10. Provision for Loan & Lease Losses 14,666,666
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 68,601,282
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 8,969,026
 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 121,355
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 2,378,238
 21. TOTAL NON-INTEREST INCOME 30,518,379
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 33,214,530
 23. Travel and Conference Expense 94,782
 24. Office Occupancy Expense 5,481,372
 25. Office Operations Expense 8,088,117
 26. Educational and Promotional Expenses 1,811,002
 27. Loan Servicing Expense 3,239,710
 28. Professional and Outside Services 10,076,432
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 244,146
 31. Miscellaneous Operating Expenses 1,620,028
 32. TOTAL NON-INTEREST EXPENSE 63,870,119
33. NET INCOME (LOSS) 35,249,542
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 Loans11.90221,215$699,746,215
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans6.00369$8,608,290
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans11.00106,879$339,840,190
 5. New Vehicle Loans2.7553,021$1,221,674,668
 6. Used Vehicle Loans2.75178,074$2,746,185,829
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit9.5028,995$317,319,076
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.0029,462$3,748,683,052
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property48,558$217,205,349
 11. All Other Real Estate Loans/Lines of Credit4.00330$11,145,019
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured3.50111$76,725,993
 13. Commercial Loans/Lines of Credit Not Real Estate Secured3.6572$3,416,151
 14. TOTAL LOANS & LEASES627,086$9,390,549,832
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date51,734$1,235,779,325
  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 Status13$543,371
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff43$2,838,641
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration2,748$63,369,457$63,096,563
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)2,738$62,269,786-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration4$931,967$698,976
  b. Other Government Guaranteed0$0$0