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National Credit Union Service Organization

CONSOLIDATED 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 CONSOLIDATED FEDERAL CREDIT UNION as of: December 31, 2023.
Charter Number: 9292

ASSETS$ Amount
CASH:  
 1. Cash on Hand 2,060,851
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 9,523,637
 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 9,633,971
 7. Held-to-Maturity Debt Securities 38,932,089
 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 386,388,676
 17. Less: Allowance for Loan & Lease Losses 0
 18: Less: Allowance for Credit Losses on Loans & Leases 1,483,382
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 78,882
 20. Land and Building 16,366,228
 21. Other Fixed Assets 803,542
 22. NCUA Share Insurance Capitalization Deposit 3,763,583
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 478,894,768
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 24,500,000
 5. Subordinated Debt included in Net Worth 24,500,000
 6. TOTALS 24,500,000
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 5,875,494
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 104,624,979
 12. Regular Shares 112,616,156
 13. Money Market Shares 99,548,371
 14. Share Certificates 46,923,795
 15. IRA/KEOGH Accounts 19,082,112
 16. All Other Shares 121,686
 17. TOTAL SHARES 382,917,099
 18. Nonmember Deposits 1,005
 19. TOTAL SHARES AND DEPOSITS 382,918,104
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) 27,211,116
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 4,016,561
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 26,381,792
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 1,614
EQUITY:  
 33. Undivided Earnings 51,884,221
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 17,219,985
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) -993,604
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -2,509,432
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 478,894,768
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 16,918,940
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 1,921,616
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 18,840,556
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 3,795,513
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 39,122
 9. TOTAL INTEREST EXPENSE 3,834,635
 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 0
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 2,743,531
 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 -215
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 0
 21. TOTAL NON-INTEREST INCOME 5,684,827
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 11,322,061
 23. Travel and Conference Expense 58,441
 24. Office Occupancy Expense 758,850
 25. Office Operations Expense 2,465,950
 26. Educational and Promotional Expenses 737,569
 27. Loan Servicing Expense 640,286
 28. Professional and Outside Services 579,993
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 79,932
 31. Miscellaneous Operating Expenses 192,843
 32. TOTAL NON-INTEREST EXPENSE 16,835,925
33. NET INCOME (LOSS) 3,854,823
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 Loans9.953,082$3,718,480
 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 loans11.951,847$15,124,214
 5. New Vehicle Loans6.991,192$27,370,582
 6. Used Vehicle Loans7.291,510$23,579,111
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit11.95159$2,857,843
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property6.60381$124,483,866
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property9.252,178$118,454,989
 11. All Other Real Estate Loans/Lines of Credit0.000$0
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured6.7597$70,122,131
 13. Commercial Loans/Lines of Credit Not Real Estate Secured9.9512$677,460
 14. TOTAL LOANS & LEASES10,458$386,388,676
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date1,194$75,500,307
  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 Staff32$4,201,174
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