Credit Unions Near Me
National Credit Union Service Organization

RIVER CITY 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 RIVER CITY FEDERAL CREDIT UNION as of: June 30, 2021.
Charter Number: 926

ASSETS$ Amount
CASH:  
 1. Cash on Hand 1,463,500
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 17,634,520
 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 5,909,208
 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 249,000
 10. Nonperpetual Capital Account 156,000
 11. Perpetual Contributed Capital 382,740
 12. All other investments in corporate credit unions 0
 13. All other investments 126,600
 14. TOTAL INVESTMENTS 6,823,548
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 98,151,961
 17. Less: Allowance for Loan & Lease Losses 461,148
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 88,554
 20. Land and Building 769,286
 21. Other Fixed Assets 1,963,376
 22. NCUA Share Insurance Capitalization Deposit 1,003,993
 23. Intangible Assets 0
 24. Other Assets 4,813,360
25. TOTAL ASSETS 132,250,950
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 500,000
 6. TOTALS 500,000
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 3,963,846
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 34,337,052
 12. Regular Shares 40,916,951
 13. Money Market Shares 16,394,501
 14. Share Certificates 14,837,187
 15. IRA/KEOGH Accounts 4,829,331
 16. All Other Shares 6,266,058
 17. TOTAL SHARES 117,581,080
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 117,581,080
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 144,744
 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) 8,010,219
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 1,361,555
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 5,709,217
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 21,519
EQUITY:  
 33. Undivided Earnings 5,771,534
 34. Regular Reserves 4,258,926
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 169,873
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 5,691
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 132,250,950
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 2,710,552
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 11,253
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 2,721,805
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 154,140
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 15,274
 9. TOTAL INTEREST EXPENSE 169,414
 10. Provision for Loan & Lease Losses 306,100
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 2,246,291
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 827,271
 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) -2,181
 21. TOTAL NON-INTEREST INCOME 2,983,694
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 1,815,466
 23. Travel and Conference Expense 15,114
 24. Office Occupancy Expense 355,375
 25. Office Operations Expense 897,109
 26. Educational and Promotional Expenses 97,515
 27. Loan Servicing Expense 71,336
 28. Professional and Outside Services 207,311
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 5,872
 31. Miscellaneous Operating Expenses -40,531
 32. TOTAL NON-INTEREST EXPENSE 3,424,567
33. NET INCOME (LOSS) 1,805,418
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 Loans11.993,054$6,075,153
 2. Payday Alternative Loans (PALs I and PALs II)28.0070$37,006
 3. Non-Federally Guaranteed Student Loans0.000$0
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans10.6020,584$29,983,491
 5. New Vehicle Loans3.75831$10,083,006
 6. Used Vehicle Loans3.751,770$16,696,995
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit4.50258$4,260,748
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property4.00328$26,532,122
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property4.550$1,618,751
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.505$2,864,689
 13. Commercial Loans/Lines of Credit Not Real Estate Secured0.000$0
 14. TOTAL LOANS & LEASES26,950$98,151,961
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date7,779$41,399,395
  a. Payday Alternative Loans (PALs I and PALs II) Granted Year-to-Date70$58,100
MISCELLANEOUS LOAN INFORMATIONNumberAmount
 16. Non-Federally Guaranteed Student Loans in Deferred Status0$0
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff16$289,828
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration769$14,712,899$14,712,899
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)769$14,712,899-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration0$0$0
  b. Other Government Guaranteed0$0$0