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National Credit Union Service Organization

CENTRAL ONE 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 CENTRAL ONE FEDERAL CREDIT UNION as of: June 30, 2021.
Charter Number: 8218

ASSETS$ Amount
CASH:  
 1. Cash on Hand 1,523,597
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 78,770,920
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 5,372,987
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 2,760,095
 7. Held-to-Maturity Debt Securities 48,688,716
 8. Deposits in commercial banks, S&Ls, savings banks 844,000
 9. Loans to and investments in natural person credit unions 4,712,000
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 500,000
 12. All other investments in corporate credit unions 0
 13. All other investments 2,761,637
 14. TOTAL INVESTMENTS 65,639,435
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 1,122,269
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 522,081,313
 17. Less: Allowance for Loan & Lease Losses 1,457,450
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 176,187
 20. Land and Building 17,737,507
 21. Other Fixed Assets 2,099,850
 22. NCUA Share Insurance Capitalization Deposit 5,498,158
 23. Intangible Assets 196,875
 24. Other Assets 7,680,922
25. TOTAL ASSETS 701,069,583
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 0
 2. Other Notes, Promissory Notes and Interest Payable 19,222,485
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 19,222,485
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 5,530,547
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 150,512,504
 12. Regular Shares 122,709,159
 13. Money Market Shares 180,708,137
 14. Share Certificates 126,505,735
 15. IRA/KEOGH Accounts 33,287,604
 16. All Other Shares 0
 17. TOTAL SHARES 613,723,139
 18. Nonmember Deposits 8,037,000
 19. TOTAL SHARES AND DEPOSITS 621,760,139
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 988,364
 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) 62,124,336
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 11,923,451
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 28,923,140
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 145,491
EQUITY:  
 33. Undivided Earnings 54,909,931
 34. Regular Reserves 4,981,780
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -5,321,218
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -14,081
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 701,069,583
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 9,551,630
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 299,164
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 9,850,794
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 1,536,140
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 236,338
 9. TOTAL INTEREST EXPENSE 1,772,478
 10. Provision for Loan & Lease Losses -14,242
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 8,092,558
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 1,245,920
 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) 0
 21. TOTAL NON-INTEREST INCOME 3,307,429
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 5,563,096
 23. Travel and Conference Expense 13,464
 24. Office Occupancy Expense 551,267
 25. Office Operations Expense 671,141
 26. Educational and Promotional Expenses 217,937
 27. Loan Servicing Expense 396,990
 28. Professional and Outside Services 1,261,238
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 68,939
 31. Miscellaneous Operating Expenses 224,738
 32. TOTAL NON-INTEREST EXPENSE 8,968,810
33. NET INCOME (LOSS) 2,431,177
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 Loans9.567,334$13,900,886
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans6.17149$5,292,494
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans13.822,242$7,763,893
 5. New Vehicle Loans2.89763$12,066,365
 6. Used Vehicle Loans3.303,582$45,649,469
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit5.76200$5,846,501
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property2.851,228$267,833,452
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property3.272,416$114,567,052
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured3.92100$46,576,689
 13. Commercial Loans/Lines of Credit Not Real Estate Secured4.4782$2,584,512
 14. TOTAL LOANS & LEASES18,096$522,081,313
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date1,545$118,426,439
  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 Status31$1,326,108
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff56$3,404,194
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration166$5,931,895$5,931,895
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)166$5,931,895-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration5$2,428,736$2,428,736
  b. Other Government Guaranteed0$0$0