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National Credit Union Service Organization

ACCESS 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 ACCESS CREDIT UNION as of: June 30, 2021.
Charter Number: 97097

ASSETS$ Amount
CASH:  
 1. Cash on Hand 494,729
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 4,530,366
 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 0
 7. Held-to-Maturity Debt Securities 8,526,641
 8. Deposits in commercial banks, S&Ls, savings banks 16,842,000
 9. Loans to and investments in natural person credit unions 1,492,000
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 67,059
 12. All other investments in corporate credit unions 500,000
 13. All other investments 1,712,654
 14. TOTAL INVESTMENTS 29,140,354
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 25,671,505
 17. Less: Allowance for Loan & Lease Losses 304,041
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 0
 20. Land and Building 2,350,058
 21. Other Fixed Assets 53,797
 22. NCUA Share Insurance Capitalization Deposit 0
 23. Intangible Assets 0
 24. Other Assets 819,126
25. TOTAL ASSETS 62,755,894
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 178,617
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 9,332,618
 12. Regular Shares 31,186,823
 13. Money Market Shares 7,601,357
 14. Share Certificates 4,504,383
 15. IRA/KEOGH Accounts 2,908,145
 16. All Other Shares 38,500
 17. TOTAL SHARES 55,571,826
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 55,571,826
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) 461,941
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 582,384
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 0
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 10,944
EQUITY:  
 33. Undivided Earnings 4,734,284
 34. Regular Reserves 1,540,411
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 581,232
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities 0
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 149,524
44. TOTAL LIABILITIES, SHARES, AND EQUITY 62,755,894
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 675,763
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 211,037
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 886,800
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 47,361
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 23
 9. TOTAL INTEREST EXPENSE 47,384
 10. Provision for Loan & Lease Losses 5,000
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 834,416
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 122,672
 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) 69,453
 21. TOTAL NON-INTEREST INCOME 294,622
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 439,298
 23. Travel and Conference Expense 1,393
 24. Office Occupancy Expense 88,803
 25. Office Operations Expense 290,580
 26. Educational and Promotional Expenses 11,136
 27. Loan Servicing Expense 79,879
 28. Professional and Outside Services 41,704
 29. Total Member Insurance 7,625
 30. Operating Fees (Examination and/or supervision fees) 8,660
 31. Miscellaneous Operating Expenses 10,436
 32. TOTAL NON-INTEREST EXPENSE 979,514
33. NET INCOME (LOSS) 149,524
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 Loans10.80898$1,175,929
 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 loans9.25509$1,506,433
 5. New Vehicle Loans2.7596$1,792,523
 6. Used Vehicle Loans3.00696$9,762,674
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit3.0056$393,600
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property4.0044$6,182,102
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property3.75108$4,858,244
 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 & LEASES2,407$25,671,505
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date345$5,475,021
  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 Staff4$271,162
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