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 M O FEDERAL CREDIT UNION as of: December 31, 2023.
Charter Number: 7020
| ASSETS | $ Amount |
|---|---|
| CASH: | |
| 1. Cash on Hand | 262,447 |
| 2. Cash on Deposit (Amounts Deposited in Financial Institutions) | 904,588 |
| 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 | 0 |
| 7. Held-to-Maturity Debt Securities | 5,912,000 |
| 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 | 25,000 |
| 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 | 22,099,048 |
| 17. Less: Allowance for Loan & Lease Losses | 0 |
| 18: Less: Allowance for Credit Losses on Loans & Leases | 71,932 |
| OTHER ASSETS: | |
| 19. Foreclosed and Repossessed Assets | 0 |
| 20. Land and Building | 379,039 |
| 21. Other Fixed Assets | 71,132 |
| 22. NCUA Share Insurance Capitalization Deposit | 342,109 |
| 23. Intangible Assets | 0 |
| 24. Other Assets | 0 |
| 25. TOTAL ASSETS | 40,725,752 |
| 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 | 99,193 |
| 9. Accounts Payable and Other Liabilities | 148,229 |
| 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures | 0 |
| SHARES/DEPOSITS: | |
| 11. Share Drafts | 8,440,362 |
| 12. Regular Shares | 14,972,573 |
| 13. Money Market Shares | 1,467,052 |
| 14. Share Certificates | 8,954,939 |
| 15. IRA/KEOGH Accounts | 1,965,762 |
| 16. All Other Shares | 0 |
| 17. TOTAL SHARES | 35,800,688 |
| 18. Nonmember Deposits | 0 |
| 19. TOTAL SHARES AND DEPOSITS | 35,800,688 |
| 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) | 3,913,979 |
| 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 | 533,014 |
| 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 | 133,859 |
| 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit | 0 |
| EQUITY: | |
| 33. Undivided Earnings | 4,677,642 |
| 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) | 0 |
| 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges | 0 |
| 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities | 0 |
| 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 | 40,725,752 |
| Statement of Income & Expense | $ Amount |
|---|---|
| INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE | |
| 1. Interest on Loans (Gross-before interest refunds) | 878,926 |
| 2. (Less) Interest Refunded | 0 |
| 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) | 309,875 |
| 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities | 0 |
| 5. TOTAL INTEREST INCOME | 1,188,801 |
| INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE | |
| 6. Dividends on Shares (Includes dividends earned during current period) | 266,822 |
| 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) | 0 |
| 8. Interest on Borrowed Money | 652 |
| 9. TOTAL INTEREST EXPENSE | 267,474 |
| 10. Provision for Loan & Lease Losses | 0 |
| 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 | 47,015 |
| 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) | 296 |
| 21. TOTAL NON-INTEREST INCOME | 124,080 |
| NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE | |
| 22. Total Employee Compensation and Benefits | 594,227 |
| 23. Travel and Conference Expense | 7,409 |
| 24. Office Occupancy Expense | 55,974 |
| 25. Office Operations Expense | 168,933 |
| 26. Educational and Promotional Expenses | 20,474 |
| 27. Loan Servicing Expense | 26,383 |
| 28. Professional and Outside Services | 6,000 |
| 29. Total Member Insurance | 0 |
| 30. Operating Fees (Examination and/or supervision fees) | 6,160 |
| 31. Miscellaneous Operating Expenses | 17,792 |
| 32. TOTAL NON-INTEREST EXPENSE | 903,352 |
| 33. NET INCOME (LOSS) | 142,055 |
| RESERVE TRANSFERS YEAR-TO-DATE FOR THE CYCLE | |
| 34. Transfer to Regular Reserves | 0 |
| Interest Rate | # Loans | Amount | |
|---|---|---|---|
| Non-Commercial Loans/Lines of Credit | |||
| 1. Unsecured Credit Card Loans | 12.90 | 98 | $155,017 |
| 2. Payday Alternative Loans (PALs I and PALs II) | 0.00 | 0 | $0 |
| 3. Non-Federally Guaranteed Student Loans | 7.65 | 29 | $356,867 |
| 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans | 9.85 | 228 | $527,701 |
| 5. New Vehicle Loans | 6.85 | 91 | $2,227,948 |
| 6. Used Vehicle Loans | 7.85 | 287 | $5,260,527 |
| 7. Leases Receivable | 0.00 | 0 | $0 |
| 8. All Other Secured Non-Real Estate Loans/Lines of Credit | 5.00 | 20 | $243,368 |
| 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property | 6.25 | 68 | $11,039,486 |
| 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property | 8 | 8 | $965,618 |
| 11. All Other Real Estate Loans/Lines of Credit | 0.00 | 0 | $0 |
| Commercial Loans / Lines of Credit | |||
| 12. Commercial Loans/Lines of Credit Real Estate Secured | 9.00 | 4 | $1,224,189 |
| 13. Commercial Loans/Lines of Credit Not Real Estate Secured | 9.00 | 3 | $98,327 |
| 14. TOTAL LOANS & LEASES | 836 | $22,099,048 | |
| YEAR-TO-DATE LOAN INFORMATION | Number | Amount | |
| 15. Loans Granted Year-to-Date | 224 | $3,924,160 | |
| a. Payday Alternative Loans (PALs I and PALs II) Granted Year-to-Date | 0 | $0 | |
| MISCELLANEOUS LOAN INFORMATION | Number | Amount | |
| 16. Non-Federally Guaranteed Student Loans in Deferred Status | 0 | $0 | |
| 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff | 25 | $1,366,345 | |
| GOVERNMENT GUARANTEED LOANS | Number | Outstanding Balance | Guaranteed Portion |
| 18. Non-Commercial Loans | |||
| a. 1. Small Business Administration | 0 | $0 | $0 |
| a. 2. Paycheck Protection Program Loans (Included in 18.a.1.) | 0 | $0 | - |
| b. Other Government Guaranteed | 0 | $0 | $0 |
| 19. Commercial Loans | |||
| a. Small Business Administration | 0 | $0 | $0 |
| b. Other Government Guaranteed | 0 | $0 | $0 |