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National Credit Union Service Organization

CAPSTONE 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 CAPSTONE FEDERAL CREDIT UNION as of: December 31, 2021.
Charter Number: 8611

ASSETS$ Amount
CASH:  
 1. Cash on Hand 378,083
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 468,882
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 11,000
INVESTMENTS:  
 4. Equity Securities 0
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 6,687,750
 7. Held-to-Maturity Debt Securities 0
 8. Deposits in commercial banks, S&Ls, savings banks 16,411,000
 9. Loans to and investments in natural person credit unions 1,745,000
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 66,230
 12. All other investments in corporate credit unions 100,000
 13. All other investments 0
 14. TOTAL INVESTMENTS 25,009,980
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 10,749,685
 17. Less: Allowance for Loan & Lease Losses 29,206
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 0
 20. Land and Building 0
 21. Other Fixed Assets 25,454
 22. NCUA Share Insurance Capitalization Deposit 333,919
 23. Intangible Assets 0
 24. Other Assets 1,180,082
25. TOTAL ASSETS 38,127,879
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 0
 9. Accounts Payable and Other Liabilities 118,436
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 7,635,041
 12. Regular Shares 12,631,012
 13. Money Market Shares 8,520,353
 14. Share Certificates 3,381,466
 15. IRA/KEOGH Accounts 1,434,163
 16. All Other Shares 173,436
 17. TOTAL SHARES 33,775,471
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 33,775,471
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) 1,476,546
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 521,958
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 563,454
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 159
EQUITY:  
 33. Undivided Earnings 2,854,502
 34. Regular Reserves 1,328,218
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 51,252
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 38,127,879
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 485,841
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 427,971
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 913,812
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 67,613
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 153
 9. TOTAL INTEREST EXPENSE 67,766
 10. Provision for Loan & Lease Losses -20,125
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 866,171
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 131,090
 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 -10
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 149,001
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 382,097
 23. Travel and Conference Expense 2,623
 24. Office Occupancy Expense 32,372
 25. Office Operations Expense 335,294
 26. Educational and Promotional Expenses 25,962
 27. Loan Servicing Expense 58,222
 28. Professional and Outside Services 78,899
 29. Total Member Insurance 9,633
 30. Operating Fees (Examination and/or supervision fees) 0
 31. Miscellaneous Operating Expenses 12,535
 32. TOTAL NON-INTEREST EXPENSE 937,637
33. NET INCOME (LOSS) 77,535
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 Loans11.80470$1,063,601
 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 loans7.051,355$671,105
 5. New Vehicle Loans3.29213$1,101,767
 6. Used Vehicle Loans3.29420$2,234,299
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit4.004$18,142
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.7719$4,140,572
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property5.8859$1,520,199
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured0.000$0
 13. Commercial Loans/Lines of Credit Not Real Estate Secured0.000$0
 14. TOTAL LOANS & LEASES2,540$10,749,685
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date102$2,395,651
  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 Staff10$307,574
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 Administration0$0$0
  b. Other Government Guaranteed0$0$0