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National Credit Union Service Organization

STAR USA 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 STAR USA FEDERAL CREDIT UNION as of: December 31, 2021.
Charter Number: 911

ASSETS$ Amount
CASH:  
 1. Cash on Hand 1,282,271
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 11,225,362
 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 26,655,440
 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 1,043,677
 12. All other investments in corporate credit unions 0
 13. All other investments 434,345
 14. TOTAL INVESTMENTS 28,133,462
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 200,000
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 105,399,224
 17. Less: Allowance for Loan & Lease Losses 391,502
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 1,026,162
 20. Land and Building 6,466,491
 21. Other Fixed Assets 261,506
 22. NCUA Share Insurance Capitalization Deposit 1,364,396
 23. Intangible Assets 0
 24. Other Assets 6,606,453
25. TOTAL ASSETS 161,573,825
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 0
 2. Other Notes, Promissory Notes and Interest Payable 5,020,561
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 5,020,561
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 467,479
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 25,003,966
 12. Regular Shares 62,587,853
 13. Money Market Shares 16,199,167
 14. Share Certificates 24,790,341
 15. IRA/KEOGH Accounts 9,372,704
 16. All Other Shares 171,886
 17. TOTAL SHARES 138,125,917
 18. Nonmember Deposits 2,987,457
 19. TOTAL SHARES AND DEPOSITS 141,113,374
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 171,886
 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) 9,651,912
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 2,174,861
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 7,541,506
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 268,482
EQUITY:  
 33. Undivided Earnings 7,564,454
 34. Regular Reserves 7,861,189
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -453,232
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 161,573,825
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 5,645,822
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 383,664
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 6,029,486
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 474,171
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 165,404
 9. TOTAL INTEREST EXPENSE 639,575
 10. Provision for Loan & Lease Losses 0
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 5,389,911
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 1,150,833
 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 -4,707
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 159,550
 21. TOTAL NON-INTEREST INCOME 2,406,630
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 3,270,287
 23. Travel and Conference Expense 9,020
 24. Office Occupancy Expense 347,527
 25. Office Operations Expense 1,765,269
 26. Educational and Promotional Expenses 40,006
 27. Loan Servicing Expense 1,116,600
 28. Professional and Outside Services 117,067
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 34,333
 31. Miscellaneous Operating Expenses 69,305
 32. TOTAL NON-INTEREST EXPENSE 6,769,414
33. NET INCOME (LOSS) 1,027,127
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 Loans0.000$0
 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 loans9.95430$2,193,503
 5. New Vehicle Loans3.50767$11,546,581
 6. Used Vehicle Loans4.402,440$29,031,900
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit7.001,320$16,411,265
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property5.00591$32,864,054
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property5.25337$8,635,710
 11. All Other Real Estate Loans/Lines of Credit5.9526$1,424,934
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.6915$2,596,151
 13. Commercial Loans/Lines of Credit Not Real Estate Secured4.0917$695,126
 14. TOTAL LOANS & LEASES5,943$105,399,224
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date1,664$46,797,218
  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 Staff42$1,139,769
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration33$1,198,502$1,198,502
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)33$1,198,502-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration0$0$0
  b. Other Government Guaranteed0$0$0