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National Credit Union Service Organization

AUBURN UNIVERSITY 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 AUBURN UNIVERSITY CREDIT UNION as of: December 31, 2023.
Charter Number: 68701

ASSETS$ Amount
CASH:  
 1. Cash on Hand 3,966,158
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 30,543,619
 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 69,354,918
 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 50,859
 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 113,792,763
 17. Less: Allowance for Loan & Lease Losses 0
 18: Less: Allowance for Credit Losses on Loans & Leases 967,199
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 0
 20. Land and Building 8,710,403
 21. Other Fixed Assets 554,199
 22. NCUA Share Insurance Capitalization Deposit 2,104,531
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 243,357,219
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 290,986
 9. Accounts Payable and Other Liabilities 694,828
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 33,312,469
 12. Regular Shares 122,799,240
 13. Money Market Shares 0
 14. Share Certificates 52,221,446
 15. IRA/KEOGH Accounts 6,078,315
 16. All Other Shares 2,111,304
 17. TOTAL SHARES 216,522,774
 18. Nonmember Deposits 10,585,847
 19. TOTAL SHARES AND DEPOSITS 227,108,621
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) 29,589,733
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 2,417,666
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 901,903
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 163,656
EQUITY:  
 33. Undivided Earnings 23,351,137
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -496,681
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -7,591,672
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 243,357,219
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 6,073,272
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 2,604,605
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 8,677,877
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 432,299
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 1,551,091
 8. Interest on Borrowed Money 10
 9. TOTAL INTEREST EXPENSE 1,983,400
 10. Provision for Loan & Lease Losses 0
 11. Total Credit Loss Expense 492,373
 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 1,047,537
 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 0
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 31,140
 21. TOTAL NON-INTEREST INCOME 1,673,140
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 3,001,519
 23. Travel and Conference Expense 26,826
 24. Office Occupancy Expense 544,355
 25. Office Operations Expense 1,325,523
 26. Educational and Promotional Expenses 194,846
 27. Loan Servicing Expense 1,030,497
 28. Professional and Outside Services 852,700
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 30,008
 31. Miscellaneous Operating Expenses 175,604
 32. TOTAL NON-INTEREST EXPENSE 7,181,878
33. NET INCOME (LOSS) 693,366
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 Loans10.901,553$1,971,035
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans6.3917$464,503
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans12.631,900$7,862,134
 5. New Vehicle Loans5.14715$19,344,894
 6. Used Vehicle Loans6.311,580$26,482,606
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit6.65301$4,991,882
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property4.39386$33,399,792
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property7.6241$5,834,654
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.3524$13,408,976
 13. Commercial Loans/Lines of Credit Not Real Estate Secured4.002$32,287
 14. TOTAL LOANS & LEASES6,719$113,792,763
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date1,424$33,020,265
  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 Staff11$1,738,827
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 Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration0$0$0
  b. Other Government Guaranteed0$0$0