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National Credit Union Service Organization

TEACHERS 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 TEACHERS FEDERAL CREDIT UNION as of: June 30, 2021.
Charter Number: 8116

ASSETS$ Amount
CASH:  
 1. Cash on Hand 23,563,663
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 398,219,306
 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 1,882,459,408
 7. Held-to-Maturity Debt Securities 844,000,696
 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 3,334,334
 12. All other investments in corporate credit unions 0
 13. All other investments 13,297,800
 14. TOTAL INVESTMENTS 2,743,092,238
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 12,011,776
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 5,078,268,347
 17. Less: Allowance for Loan & Lease Losses 35,942,798
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 0
 20. Land and Building 67,072,485
 21. Other Fixed Assets 55,797,477
 22. NCUA Share Insurance Capitalization Deposit 70,466,120
 23. Intangible Assets 49,883,303
 24. Other Assets 239,416,720
25. TOTAL ASSETS 8,701,848,637
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 0
 2. Other Notes, Promissory Notes and Interest Payable 1,000
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 1,000
 7. Non-Trading Derivative Liabilities 87,246
 8. Accrued Dividends & Interest Payable on Shares & Deposits 32,389
 9. Accounts Payable and Other Liabilities 147,957,136
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 925,194,516
 12. Regular Shares 1,507,817,177
 13. Money Market Shares 2,785,960,091
 14. Share Certificates 1,905,729,561
 15. IRA/KEOGH Accounts 548,941,980
 16. All Other Shares 0
 17. TOTAL SHARES 7,673,643,325
 18. Nonmember Deposits 116,838,550
 19. TOTAL SHARES AND DEPOSITS 7,790,481,875
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 936,712
 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) 1,191,421,004
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 258,280,826
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 148,730,760
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 322,331
EQUITY:  
 33. Undivided Earnings 622,253,323
 34. Regular Reserves 157,542,338
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -55,440,152
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -1,873,416
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 40,806,898
44. TOTAL LIABILITIES, SHARES, AND EQUITY 8,701,848,637
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 97,907,530
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 17,119,248
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 115,026,778
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 28,523,605
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 1
 9. TOTAL INTEREST EXPENSE 28,523,606
 10. Provision for Loan & Lease Losses 9,226,000
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 77,277,172
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 8,294,588
 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 -4,421,241
 18. Gain (Loss) on Disposition of Fixed Assets 0
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 36,953,623
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 40,011,976
 23. Travel and Conference Expense 39,506
 24. Office Occupancy Expense 6,747,518
 25. Office Operations Expense 10,515,476
 26. Educational and Promotional Expenses 1,376,075
 27. Loan Servicing Expense 6,755,664
 28. Professional and Outside Services 6,820,192
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 339,068
 31. Miscellaneous Operating Expenses 818,422
 32. TOTAL NON-INTEREST EXPENSE 73,423,897
33. NET INCOME (LOSS) 40,806,898
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 Loans10.3733,575$63,520,236
 2. Payday Alternative Loans (PALs I and PALs II)24.0029$16,469
 3. Non-Federally Guaranteed Student Loans7.502,398$96,230,781
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans7.9922,633$202,452,575
 5. New Vehicle Loans2.8916,010$305,056,785
 6. Used Vehicle Loans3.0926,964$425,781,444
 7. Leases Receivable3.2933,688$1,070,515,228
 8. All Other Secured Non-Real Estate Loans/Lines of Credit6.493,900$97,282,521
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property2.757,343$1,625,152,340
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property2.9910,352$662,304,295
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured3.38357$529,134,812
 13. Commercial Loans/Lines of Credit Not Real Estate Secured3.2569$820,861
 14. TOTAL LOANS & LEASES157,318$5,078,268,347
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date21,935$1,111,198,581
  a. Payday Alternative Loans (PALs I and PALs II) Granted Year-to-Date26$23,450
MISCELLANEOUS LOAN INFORMATIONNumberAmount
 16. Non-Federally Guaranteed Student Loans in Deferred Status0$0
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff44$9,254,365
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 Administration6$7,344$45,731
  b. Other Government Guaranteed0$0$0