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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: March 31, 2022.
Charter Number: 8111

ASSETS$ Amount
CASH:  
 1. Cash on Hand 462,231,307
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 70,734,643
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 244,637,331
 5. Trading Debut Securities 136,535,199
 6. Available-for-Sale Debt Securities 3,688,903,211
 7. Held-to-Maturity Debt Securities 95,440,077
 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 771,753
 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 20,232,845
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 10,115,019,640
 17. Less: Allowance for Loan & Lease Losses 59,091,444
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 1,842,710
 20. Land and Building 246,175,611
 21. Other Fixed Assets 44,030,666
 22. NCUA Share Insurance Capitalization Deposit 102,698,903
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 15,363,038,174
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 550,000,000
 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 550,000,000
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 205,201,153
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 3,223,223,215
 12. Regular Shares 3,217,862,965
 13. Money Market Shares 5,039,558,889
 14. Share Certificates 1,132,900,962
 15. IRA/KEOGH Accounts 513,850,738
 16. All Other Shares 0
 17. TOTAL SHARES 13,127,396,769
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 13,127,396,769
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) 467,905,743
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 168,530,067
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 882,768,883
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 4,904,821
EQUITY:  
 33. Undivided Earnings 802,383,583
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 865,739,415
 37. Equity Acquired in Merger 2,338,000
 38. Miscellaneous Equity 174,610
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -190,195,356
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 15,363,038,174
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 89,577,155
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 17,594,281
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 107,171,436
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 10,264,624
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 702,234
 9. TOTAL INTEREST EXPENSE 10,966,858
 10. Provision for Loan & Lease Losses -32,200,000
 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 23,499,199
 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 78,927
 18. Gain (Loss) on Disposition of Fixed Assets 0
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 8,232
 21. TOTAL NON-INTEREST INCOME 43,786,710
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 50,691,894
 23. Travel and Conference Expense 262,353
 24. Office Occupancy Expense 6,159,584
 25. Office Operations Expense 29,546,373
 26. Educational and Promotional Expenses 2,452,847
 27. Loan Servicing Expense 3,928,956
 28. Professional and Outside Services 254,386
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 186,731
 31. Miscellaneous Operating Expenses 0
 32. TOTAL NON-INTEREST EXPENSE 93,483,124
33. NET INCOME (LOSS) 78,708,164
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 Loans13.90272,347$455,385,937
 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 loans12.5066,360$181,481,095
 5. New Vehicle Loans1.9542,321$1,089,605,422
 6. Used Vehicle Loans2.25144,464$2,628,015,709
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit9.1512,406$232,326,106
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.3831,792$4,524,739,653
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property2.758,297$375,955,824
 11. All Other Real Estate Loans/Lines of Credit5.6345$1,368,624
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured3.65764$612,645,196
 13. Commercial Loans/Lines of Credit Not Real Estate Secured2.25395$13,496,074
 14. TOTAL LOANS & LEASES579,191$10,115,019,640
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date194,285$1,762,912,853
  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 Staff171$6,504,519
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration1$153,548$153,548
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)1$153,548-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration103$24,076,128$18,225,336
  b. Other Government Guaranteed0$0$0