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National Credit Union Service Organization

CLARK COUNTY 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 CLARK COUNTY CREDIT UNION as of: December 31, 2023.
Charter Number: 86752

ASSETS$ Amount
CASH:  
 1. Cash on Hand 13,034,049
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 85,753,338
 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 167,906,641
 7. Held-to-Maturity Debt Securities 0
 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 0
 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 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 844,308,994
 17. Less: Allowance for Loan & Lease Losses 0
 18: Less: Allowance for Credit Losses on Loans & Leases 9,390,197
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 244,882
 20. Land and Building 13,963,560
 21. Other Fixed Assets 3,176,662
 22. NCUA Share Insurance Capitalization Deposit 0
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 1,172,632,791
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 2,407,768
 9. Accounts Payable and Other Liabilities 13,186,334
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 252,062
SHARES/DEPOSITS:  
 11. Share Drafts 204,734,489
 12. Regular Shares 308,860,949
 13. Money Market Shares 334,684,733
 14. Share Certificates 146,315,093
 15. IRA/KEOGH Accounts 28,715,246
 16. All Other Shares 0
 17. TOTAL SHARES 1,023,310,508
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 1,023,310,508
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) 80,202,878
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 11,289,592
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 56,247,045
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 144,871
EQUITY:  
 33. Undivided Earnings 69,232,673
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 82,085,674
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -17,842,228
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 1,172,632,791
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 45,515,858
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 8,038,905
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 53,554,763
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 14,388,602
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 15
 9. TOTAL INTEREST EXPENSE 14,388,617
 10. Provision for Loan & Lease Losses 0
 11. Total Credit Loss Expense 3,072,726
 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 4,710,539
 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 15,678
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 11,925,688
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 18,895,489
 23. Travel and Conference Expense 356,358
 24. Office Occupancy Expense 1,289,225
 25. Office Operations Expense 6,583,284
 26. Educational and Promotional Expenses 1,771,971
 27. Loan Servicing Expense 523,544
 28. Professional and Outside Services 5,107,416
 29. Total Member Insurance 21,972
 30. Operating Fees (Examination and/or supervision fees) 92,450
 31. Miscellaneous Operating Expenses 125,411
 32. TOTAL NON-INTEREST EXPENSE 34,767,120
33. NET INCOME (LOSS) 13,251,988
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 Loans10.4711,085$17,422,251
 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 loans14.616,072$10,079,761
 5. New Vehicle Loans4.162,679$85,200,271
 6. Used Vehicle Loans10.6611,824$225,828,586
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit18.38835$2,175,594
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property10.60492$127,103,847
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property8.272,098$105,147,299
 11. All Other Real Estate Loans/Lines of Credit7.8437$6,853,495
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured5.86196$251,571,090
 13. Commercial Loans/Lines of Credit Not Real Estate Secured7.3557$12,926,801
 14. TOTAL LOANS & LEASES35,375$844,308,995
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date6,558$193,738,927
  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 Staff17$1,120,236
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