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National Credit Union Service Organization

RANDOLPH-BROOKS FEDERAL 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 RANDOLPH-BROOKS FEDERAL CREDIT UNION as of: December 31, 2020.
Charter Number: 8111

ASSETS$ Amount
CASH:  
 1. Cash on Hand 130,043,042
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 302,865,992
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 207,688,498
 5. Trading Debut Securities 86,005,359
 6. Available-for-Sale Debt Securities 3,263,045,539
 7. Held-to-Maturity Debt Securities 0
 8. Deposits in commercial banks, S&Ls, savings banks 798,000
 9. Loans to and investments in natural person credit unions 23,465,136
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 769,388
 12. All other investments in corporate credit unions 0
 13. All other investments 63,361,818
 14. TOTAL INVESTMENTS 3,645,133,738
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 16,311,801
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 8,573,448,175
 17. Less: Allowance for Loan & Lease Losses 90,120,026
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 2,353,194
 20. Land and Building 256,903,914
 21. Other Fixed Assets 39,222,206
 22. NCUA Share Insurance Capitalization Deposit 84,726,487
 23. Intangible Assets 0
 24. Other Assets 290,740,518
25. TOTAL ASSETS 13,251,629,041
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 1,300,133,119
 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 1,300,133,119
 7. Non-Trading Derivative Liabilities 102,534
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 157,878,163
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 2,518,760,679
 12. Regular Shares 2,367,243,261
 13. Money Market Shares 3,595,312,178
 14. Share Certificates 1,396,982,165
 15. IRA/KEOGH Accounts 491,708,896
 16. All Other Shares 0
 17. TOTAL SHARES 10,370,007,179
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 10,370,007,179
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) 591,921,662
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 144,658,805
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 657,108,284
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 3,022,940
EQUITY:  
 33. Undivided Earnings 485,576,280
 34. Regular Reserves 55,470,479
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 810,268,936
 37. Equity Acquired in Merger 2,338,000
 38. Miscellaneous Equity 239,949
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 69,614,402
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 13,251,629,041
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 332,497,313
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 52,426,454
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 16,730,021
 5. TOTAL INTEREST INCOME 401,653,788
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 55,188,844
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 3,218,491
 9. TOTAL INTEREST EXPENSE 58,407,335
 10. Provision for Loan & Lease Losses 82,250,000
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 260,996,453
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 56,160,084
 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) 133,835,544
 15. Gain (Loss) on Equity Securities (DO NOT include Gain (Loss) on other securities) -5,669,476
 16. Gain (Loss) on Other Securities (DO NOT include Gain or Loss on Equity Securities) 2,504,857
 17. Gain (Loss) on Non-Trading Derivatives 0
 18. Gain (Loss) on Disposition of Fixed Assets -271,598
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) -544,457
 21. TOTAL NON-INTEREST INCOME 186,014,954
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 179,589,317
 23. Travel and Conference Expense 454,470
 24. Office Occupancy Expense 23,102,393
 25. Office Operations Expense 110,624,364
 26. Educational and Promotional Expenses 10,124,944
 27. Loan Servicing Expense 12,624,918
 28. Professional and Outside Services 1,636,181
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 808,920
 31. Miscellaneous Operating Expenses 0
 32. TOTAL NON-INTEREST EXPENSE 338,965,507
33. NET INCOME (LOSS) 108,045,900
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 Loans9.90255,261$475,454,257
 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 loans12.5063,931$185,159,758
 5. New Vehicle Loans2.1950,406$1,054,929,712
 6. Used Vehicle Loans2.45143,862$2,306,593,753
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit9.2010,953$177,710,735
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property2.8529,274$3,522,945,163
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property2.758,323$368,460,624
 11. All Other Real Estate Loans/Lines of Credit5.6338$1,147,096
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured3.85682$466,953,538
 13. Commercial Loans/Lines of Credit Not Real Estate Secured9.90304$14,093,539
 14. TOTAL LOANS & LEASES563,034$8,573,448,175
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date315,963$5,475,405,024
  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 Staff180$8,545,831
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration68$3,617,590$3,617,590
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)68$3,617,590-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration201$27,525,725$21,160,915
  b. Other Government Guaranteed0$0$0