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National Credit Union Service Organization

CENTRICITY 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 CENTRICITY CREDIT UNION as of: June 30, 2024.
Charter Number: 68685

ASSETS$ Amount
CASH:  
 1. Cash on Hand 2,142,538
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 16,272,028
 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 11,452,291
 7. Held-to-Maturity Debt Securities 12,188,931
 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 525,574
 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 168,490,460
 17. Less: Allowance for Loan & Lease Losses 1,512,741
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 23,275
 20. Land and Building 3,513,313
 21. Other Fixed Assets 452,162
 22. NCUA Share Insurance Capitalization Deposit 1,878,454
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 239,905,831
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 0
 2. Other Notes, Promissory Notes and Interest Payable 4,223,084
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 4,223,084
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 223,551
 9. Accounts Payable and Other Liabilities 1,491,220
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 42,084,231
 12. Regular Shares 119,288,793
 13. Money Market Shares 30,547,554
 14. Share Certificates 12,399,428
 15. IRA/KEOGH Accounts 3,502,478
 16. All Other Shares 0
 17. TOTAL SHARES 207,822,484
 18. Nonmember Deposits 2,240,000
 19. TOTAL SHARES AND DEPOSITS 210,062,484
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 419,758
 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) 5,369,695
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 578,484
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 16,108,934
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 29,136
EQUITY:  
 33. Undivided Earnings 20,281,003
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 2,279,078
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 946,328
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -954,370
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 1,353,453
44. TOTAL LIABILITIES, SHARES, AND EQUITY 239,905,831
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 5,711,725
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 245,240
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 6,132,276
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 447,220
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 39,476
 9. TOTAL INTEREST EXPENSE 486,696
 10. Provision for Loan & Lease Losses 467,900
 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 1,007,411
 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 7,403
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 191,925
 21. TOTAL NON-INTEREST INCOME 2,381,518
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 3,203,169
 23. Travel and Conference Expense 66,028
 24. Office Occupancy Expense 390,451
 25. Office Operations Expense 925,167
 26. Educational and Promotional Expenses 192,792
 27. Loan Servicing Expense 252,623
 28. Professional and Outside Services 1,114,398
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 9,547
 31. Miscellaneous Operating Expenses 36,765
 32. TOTAL NON-INTEREST EXPENSE 6,190,940
33. NET INCOME (LOSS) 1,368,258
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 Loans0.000$0
 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 loans11.991,997$4,027,783
 5. New Vehicle Loans4.541,756$10,672,654
 6. Used Vehicle Loans4.294,342$46,044,177
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit6.244,179$43,304,321
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property6.38396$30,769,824
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property4.6849$25,984,049
 11. All Other Real Estate Loans/Lines of Credit5.3546$2,071,047
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured5.496$5,534,092
 13. Commercial Loans/Lines of Credit Not Real Estate Secured8.502$82,513
 14. TOTAL LOANS & LEASES13,573$168,490,460
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date5,224$100,860,038
  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 Staff25$820,985
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration0$0$0
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)0$0-
  b. Other Government Guaranteed40$212,737$212,737
 19. Commercial Loans  
  a. Small Business Administration0$0$0
  b. Other Government Guaranteed0$0$0