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National Credit Union Service Organization

OREGON STATE 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 OREGON STATE CREDIT UNION as of: June 30, 2024.
Charter Number: 68656

ASSETS$ Amount
CASH:  
 1. Cash on Hand 17,895,938
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 58,174,805
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 3,194,373
 5. Trading Debut Securities 2,870,660
 6. Available-for-Sale Debt Securities 626,133,751
 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 600,568
 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 442,469
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 1,341,917,675
 17. Less: Allowance for Loan & Lease Losses 7,327,799
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 1,200,560
 20. Land and Building 36,877,662
 21. Other Fixed Assets 3,384,631
 22. NCUA Share Insurance Capitalization Deposit 17,438,931
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 2,147,954,196
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 0
 9. Accounts Payable and Other Liabilities 31,239,497
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 543,438,336
 12. Regular Shares 506,931,262
 13. Money Market Shares 752,591,459
 14. Share Certificates 85,582,528
 15. IRA/KEOGH Accounts 49,390,425
 16. All Other Shares 6,597,134
 17. TOTAL SHARES 1,944,531,144
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 1,944,531,144
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 24,322,544
 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) 36,997,245
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 18,465,821
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 203,414,149
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 171,659
EQUITY:  
 33. Undivided Earnings 241,763,376
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 128,582
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -418,374
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -69,290,029
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 2,147,954,196
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 45,911,408
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 6,508,632
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 52,420,040
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 1,883,900
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 35
 9. TOTAL INTEREST EXPENSE 1,883,935
 10. Provision for Loan & Lease Losses 4,462,186
 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 4,702,563
 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 -1,066
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) -37,827
 21. TOTAL NON-INTEREST INCOME 16,268,848
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 20,696,811
 23. Travel and Conference Expense 104,092
 24. Office Occupancy Expense 2,215,972
 25. Office Operations Expense 3,779,714
 26. Educational and Promotional Expenses 1,164,409
 27. Loan Servicing Expense 2,495,395
 28. Professional and Outside Services 6,061,923
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 103,826
 31. Miscellaneous Operating Expenses 441,481
 32. TOTAL NON-INTEREST EXPENSE 37,063,623
33. NET INCOME (LOSS) 25,279,144
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 Loans9.0017,775$38,403,126
 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 loans9.257,870$37,688,069
 5. New Vehicle Loans3.495,934$134,907,030
 6. Used Vehicle Loans3.7426,214$371,409,068
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit5.2410,537$259,213,991
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property6.201,360$257,617,109
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property5.51,199$55,645,011
 11. All Other Real Estate Loans/Lines of Credit7.0066$6,837,713
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.53157$161,788,530
 13. Commercial Loans/Lines of Credit Not Real Estate Secured8.2290$18,408,028
 14. TOTAL LOANS & LEASES71,202$1,341,917,675
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date18,350$656,693,659
  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 Staff38$1,444,539
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration4$33,698$33,698
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)4$33,698-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration15$8,331,565$2,547,703
  b. Other Government Guaranteed15$10,174,635$10,174,635