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| 2024-03-31 |
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Complex credit unions, as defined in section 702.103 of the NCUA's regulations, that did not opt in to CCULR must complete this schedule. |
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PART I - NUMERATOR |
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EQUITY |
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Undivided Earnings | 371,284,160 |
Appropriation for Non-Conforming Investments | 0 |
Other Reserves | 0 |
Equity acquired in merger | 0 |
Net Income | 0 |
Total Equity (Sum of Accounts 940, 668, 658, 658A, and 602) | 371,284,160 |
ADDITIONS |
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Allowance for Credit Losses (Sum of Accounts 719, AS0048, AS0041, and LI0003) | 38,428,038 |
Subordinated Debt in accordance with 702.407 | 0 |
Section 208 Assistance included in net worth as defined in 702.2 | 0 |
Total Additions (Sum of Accounts RB0002, RB0003, and RB0004) | 38,428,038 |
DEDUCTIONS |
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NCUSIF capitalization deposit | 28,079,856 |
Goodwill | 0 |
| Less: Excluded Goodwill | 0 |
Other intangible assets | 0 |
| Less: Excluded intangible assets | 0 |
Identified losses not reflected in the risk-based capital numerator | 0 |
Total Deductions (Sum of Accounts 794, 009D2, AS0032, and RB0008 less RB0006 and RB0007) | 28,079,856 |
TOTAL RISK-BASED CAPITAL NUMERATOR BEFORE MORTGAGE SERVICING ASSETS DEDUCTION (Sum of Accounts RB0001 plus RB0005 minus RB0009) | 381,632,342 |
| Less: Mortgage Servicing Assets (reported in Account 779 on page 2) that exceed 25% of RB0010 | 0 |
TOTAL RISK-BASED CAPITAL NUMERATOR ( Account RB0010 less Account RB0011) | 381,632,342 |
PART II - DENOMINATOR |
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ON-BALANCE SHEET ASSETS |
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Cash and Deposits in Financial Institutions or Reserve Banks Totals from Schedules | 399,774,308 |
Cash and Deposits in Financial Institutions or Reserve Banks Adjustments to Totals | 0 |
Cash and Deposits in Financial Institutions or Reserve Banks Totals for Risk-Weighting | 399,774,308 |
Cash and Deposits in Financial Institutions or Reserve Banks 0% Risk Weight (%) Category and Asset Allocations | 371,820,415 |
Cash and Deposits in Financial Institutions or Reserve Banks 20% Risk Weight (%) Category and Asset Allocations | 27,953,893 |
Cash and Deposits in Financial Institutions or Reserve Banks 100% Risk Weight (%) Category and Asset Allocations | 0 |
INVESTMENTS |
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Securities Totals from Schedules | 488,150,288 |
Securities Adjustments to Totals | 0 |
Securities Totals for Risk-Weighting | 488,150,288 |
Securities 0% Risk Weight (%) Category and Asset Allocations | 236,407,903 |
Securities 20% Risk Weight (%) Category and Asset Allocations | 251,742,385 |
Securities 50% Risk Weight (%) Category and Asset Allocations | 0 |
Securities 100% Risk Weight (%) Category and Asset Allocations | 0 |
Securities 300% Risk Weight (%) Category and Asset Allocations | 0 |
Securities 1250% Risk Weight (%) Category and Asset Allocations | 0 |
Securities Alternative Risk Weights - Risk Weight | 0 |
Securities Alternative Risk Weights - Asset Amount | 0 |
Other Investments Totals from Schedules | 8,731,700 |
Other Investments Adjustments to Totals | 0 |
Other Investments Totals for Risk-Weighting | 8,731,700 |
Other Investments 0% Risk Weight (%) Category and Asset Allocations | 0 |
Other Investments 20% Risk Weight (%) Category and Asset Allocations | 8,731,700 |
Other Investments 100% Risk Weight (%) Category and Asset Allocations | 0 |
Other Investments 150% Risk Weight (%) Category and Asset Allocations | 0 |
Other Investments 300% Risk Weight (%) Category and Asset Allocations | 0 |
Other Investments 400% Risk Weight (%) Category and Asset Allocations | 0 |
Other Investments 1250% Risk Weight (%) Category and Asset Allocations | 0 |
Other Investments Alternative Risk Weights - Risk Weight | 0 |
Other Investments Alternative Risk Weights - Asset Amount | 0 |
Total Investments Totals from Schedules | 496,881,988 |
Total Investments Adjustments to Totals | 0 |
Total Investments Totals for Risk-Weighting | 496,881,988 |
Total Investments 0% Risk Weight (%) Category and Asset Allocations | 236,407,903 |
Total Investments 20% Risk Weight (%) Category and Asset Allocations | 260,474,085 |
Total Investments 50% Risk Weight (%) Category and Asset Allocations | 0 |
Total Investments 100% Risk Weight (%) Category and Asset Allocations | 0 |
Total Investments 150% Risk Weight (%) Category and Asset Allocations | 0 |
Total Investments 300% Risk Weight (%) Category and Asset Allocations | 0 |
Total Investments 400% Risk Weight (%) Category and Asset Allocations | 0 |
Total Investments 1250% Risk Weight (%) Category and Asset Allocations | 0 |
Total Investments Alternative Risk Weights - Asset Amount | 0 |
LOANS |
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First Lien Residential Real Estate Loans Totals from Schedules | 838,685,276 |
First Lien Residential Real Estate Loans Adjustments to Totals | 0 |
First Lien Residential Real Estate Loans Totals for Risk-Weighting | 838,685,276 |
First Lien Residential Real Estate Loans 50% Risk Weight (%) Category and Asset Allocations | 834,938,642 |
First Lien Residential Real Estate Loans 75% Risk Weight (%) Category and Asset Allocations | 0 |
First Lien Residential Real Estate Loans 100% Risk Weight (%) Category and Asset Allocations | 3,746,634 |
Junior-Lien Residential Real Estate Loans Totals from Schedules | 97,158,124 |
Junior-Lien Residential Real Estate Loans Adjustments to Totals | 0 |
Junior-Lien Residential Real Estate Loans Totals for Risk-Weighting | 97,158,124 |
Junior-Lien Residential Real Estate Loans 100% Risk Weight (%) Category and Asset Allocations | 96,832,959 |
Junior-Lien Residential Real Estate Loans 150% Risk Weight (%) Category and Asset Allocations | 325,165 |
Consumer Loans Totals from Schedules | 1,572,773,282 |
Consumer Loans Adjustments to Totals | 0 |
Consumer Loans Totals for Risk-Weighting | 1,572,773,282 |
Consumer Loans 0% Risk Weight (%) Category and Asset Allocations | 9,924,053 |
Consumer Loans 20% Risk Weight (%) Category and Asset Allocations | 0 |
Consumer Loans 75% Risk Weight (%) Category and Asset Allocations | 1,427,367,219 |
Consumer Loans 100% Risk Weight (%) Category and Asset Allocations | 130,463,944 |
Consumer Loans 150% Risk Weight (%) Category and Asset Allocations | 5,018,066 |
Commercial Loans Totals from Schedules | 134,698,069 |
Commercial Loans Adjustments to Totals | 0 |
Commercial Loans Totals for Risk-Weighting | 134,698,069 |
Commercial Loans 0% Risk Weight (%) Category and Asset Allocations | 20,641 |
Commercial Loans 20% Risk Weight (%) Category and Asset Allocations | 0 |
Commercial Loans 100% Risk Weight (%) Category and Asset Allocations | 134,677,428 |
Commercial Loans 150% Risk Weight (%) Category and Asset Allocations | 0 |
Loans held for sale Totals from Schedules | 0 |
Loans held for sale Adjustments to Totals | 0 |
Less: Allowance for Credit Losses (Loans) Totals from Schedules | 38,417,037 |
Less: Allowance for Credit Losses (Loans) Adjustments to Totals | 0 |
Less: Allowance for Credit Losses (Loans) Totals for Risk-Weighting | 38,417,037 |
Less: Allowance for Credit Losses (Loans) 0% Risk Weight (%) Category and Asset Allocations | 38,417,037 |
Total Loans Totals from Schedules | 2,604,897,714 |
Total Loans Adjustments to Totals | 0 |
Total Loans Totals for Risk-Weighting | 2,604,897,714 |
Total Loans 0% Risk Weight (%) Category and Asset Allocations | (28,472,343) |
Total Loans 20% Risk Weight (%) Category and Asset Allocations | 0 |
Total Loans 50% Risk Weight (%) Category and Asset Allocations | 834,938,642 |
Total Loans 75% Risk Weight (%) Category and Asset Allocations | 1,427,367,219 |
Total Loans 100% Risk Weight (%) Category and Asset Allocations | 365,720,965 |
Total Loans 150% Risk Weight (%) Category and Asset Allocations | 5,343,231 |
Other Assets Totals from Schedules | 219,132,350 |
Other Assets Adjustments to Totals | 0 |
Other Assets Totals for Risk-Weighting | 219,132,350 |
Other Assets 0% Risk Weight (%) Category and Asset Allocations | 28,079,856 |
Other Assets 100% Risk Weight (%) Category and Asset Allocations | 190,661,897 |
Other Assets 150% Risk Weight (%) Category and Asset Allocations | 0 |
Other Assets 250% Risk Weight (%) Category and Asset Allocations | 390,597 |
Other Assets 300% Risk Weight (%) Category and Asset Allocations | 0 |
Other Assets 1250% Risk Weight (%) Category and Asset Allocations | 0 |
Other Assets Alternative Risk Weights - Risk Weight | 0 |
Other Assets Alternative Risk Weights - Asset Amount | 0 |
Total On-Balance Sheet Assets by Risk Totals from Schedules | 3,720,686,360 |
Total On-Balance Sheet Assets by Risk Totals for Risk-Weighting | 3,720,686,360 |
Total On-Balance Sheet Assets by Risk 0% Risk Weight (%) Category and Asset Allocations | 607,835,831 |
Total On-Balance Sheet Assets by Risk 20% Risk Weight (%) Category and Asset Allocations | 288,427,978 |
Total On-Balance Sheet Assets by Risk 50% Risk Weight (%) Category and Asset Allocations | 834,938,642 |
Total On-Balance Sheet Assets by Risk 75% Risk Weight (%) Category and Asset Allocations | 1,427,367,219 |
Total On-Balance Sheet Assets by Risk 100% Risk Weight (%) Category and Asset Allocations | 556,382,862 |
Total On-Balance Sheet Assets by Risk 150% Risk Weight (%) Category and Asset Allocations | 5,343,231 |
Total On-Balance Sheet Assets by Risk 250% Risk Weight (%) Category and Asset Allocations | 390,597 |
Total On-Balance Sheet Assets by Risk 300% Risk Weight (%) Category and Asset Allocations | 0 |
Total On-Balance Sheet Assets by Risk 400% Risk Weight (%) Category and Asset Allocations | 0 |
Total On-Balance Sheet Assets by Risk 1250% Risk Weight (%) Category and Asset Allocations | 0 |
Total On-Balance Sheet Assets by Risk Alternative Risk Weights - Asset Amount | 0 |
Total Risk-Weighted Assets - On Balance Sheet Totals from Schedules | 2,111,054,532 |
Total Risk-Weighted Assets - On Balance Sheet 20% Risk Weight (%) Category and Asset Allocations | 57,685,596 |
Total Risk-Weighted Assets - On Balance Sheet 50% Risk Weight (%) Category and Asset Allocations | 417,469,321 |
Total Risk-Weighted Assets - On Balance Sheet 75% Risk Weight (%) Category and Asset Allocations | 1,070,525,414 |
Total Risk-Weighted Assets - On Balance Sheet 100% Risk Weight (%) Category and Asset Allocations | 556,382,862 |
Total Risk-Weighted Assets - On Balance Sheet 150% Risk Weight (%) Category and Asset Allocations | 8,014,847 |
Total Risk-Weighted Assets - On Balance Sheet 250% Risk Weight (%) Category and Asset Allocations | 976,493 |
Total Risk-Weighted Assets - On Balance Sheet 300% Risk Weight (%) Category and Asset Allocations | 0 |
Total Risk-Weighted Assets - On Balance Sheet 400% Risk Weight (%) Category and Asset Allocations | 0 |
Total Risk-Weighted Assets - On Balance Sheet 1250% Risk Weight (%) Category and Asset Allocations | 0 |
Total Risk-Weighted Assets - On Balance Sheet Alternative Risk Weights - Asset Amount | 0 |
PART III - DENOMINATOR |
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Off-Balance Sheet and Derivative Exposures |
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Total Conditionally Cancelable Unfunded Commitments: |
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Unfunded Commitment - Commercial loans (Totals for Risk-Weighting) | 1,755,277 |
Credit Conversion Factor 50% |
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Unfunded Commitment - Commercial loans (Credit Equivalent Amount) | 877,639 |
Unfunded Commitment - Commercial loans (100% Credit Equivalent Risk Weight Allocations) | 877,639 |
Unfunded Commitment - Consumer Loans - Secured and RE (Totals for Risk-Weighting) | 65,332,697 |
Credit Conversion Factor 10% |
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Unfunded Commitment - Consumer Loans - Secured and RE (Credit Equivalent Amount) | 6,533,270 |
Unfunded Commitment - Consumer Loans - Secured and RE (50% Credit Equivalent Risk Weight Allocations) | 0 |
Unfunded Commitment - Consumer Loans - Secured and RE (75% Credit Equivalent Risk Weight Allocations) | 0 |
Unfunded Commitment - Consumer Loans - Secured and RE (100% Credit Equivalent Risk Weight Allocations) | 6,533,270 |
Unfunded Commitment - Consumer Loans - Unsecured (Totals for Risk-Weighting) | 0 |
Credit Conversion Factor 10% |
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Unfunded Commitment - Consumer Loans - Unsecured (Credit Equivalent Amount) | 0 |
Unfunded Commitment - Consumer Loans - Unsecured (100% Credit Equivalent Risk Weight Allocations) | 0 |
Federal Home Loan Bank under the MPF program (Totals for Risk-Weighting) | 0 |
Credit Conversion Factor 20% |
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Federal Home Loan Bank under the MPF program (Credit Equivalent Amount) | 0 |
Federal Home Loan Bank under the MPF program (50% Credit Equivalent Risk Weight Allocations) | 0 |
All other off-balance sheet exposures (Totals for Risk-Weighting) | 0 |
Credit Conversion Factor 100% |
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All other off-balance sheet exposures (Credit Equivalent Amount) | 0 |
All other off-balance sheet exposures (50% Credit Equivalent Risk Weight Allocations) | 0 |
All other off-balance sheet exposures (75% Credit Equivalent Risk Weight Allocations) | 0 |
All other off-balance sheet exposures (100% Credit Equivalent Risk Weight Allocations) | 0 |
All other off-balance sheet exposures (Alternative Risk Weights (Risk Weight)) | 0 |
All other off-balance sheet exposures (Alternative Risk Weights (Exposure Amount)) | 0 |
Over-the-counter derivatives (Credit Equivalent Amount) | 0 |
Over-the-counter derivatives (0% Credit Equivalent Risk Weight Allocations) | 0 |
Over-the-counter derivatives (2% Credit Equivalent Risk Weight Allocations) | 0 |
Over-the-counter derivatives (4% Credit Equivalent Risk Weight Allocations) | 0 |
Over-the-counter derivatives (20% Credit Equivalent Risk Weight Allocations) | 0 |
Over-the-counter derivatives (50% Credit Equivalent Risk Weight Allocations) | 0 |
Over-the-counter derivatives (75% Credit Equivalent Risk Weight Allocations) | 0 |
Over-the-counter derivatives (100% Credit Equivalent Risk Weight Allocations) | 0 |
Centrally cleared derivatives (Credit Equivalent Amount) | 0 |
Centrally cleared derivatives (0% Credit Equivalent Risk Weight Allocations) | 0 |
Centrally cleared derivatives (2% Credit Equivalent Risk Weight Allocations) | 0 |
Centrally cleared derivatives (4% Credit Equivalent Risk Weight Allocations) | 0 |
Centrally cleared derivatives (20% Credit Equivalent Risk Weight Allocations) | 0 |
TOTAL OFF-BALANCE SHEET AND DERIVATIVE CREDIT EQUIVALENT (Credit Equivalent Amount) | 7,410,909 |
TOTAL OFF-BALANCE SHEET AND DERIVATIVE CREDIT EQUIVALENT (0% Credit Equivalent Risk Weight Allocations) | 0 |
TOTAL OFF-BALANCE SHEET AND DERIVATIVE CREDIT EQUIVALENT (2% Credit Equivalent Risk Weight Allocations) | 0 |
TOTAL OFF-BALANCE SHEET AND DERIVATIVE CREDIT EQUIVALENT (4% Credit Equivalent Risk Weight Allocations) | 0 |
TOTAL OFF-BALANCE SHEET AND DERIVATIVE CREDIT EQUIVALENT (20% Credit Equivalent Risk Weight Allocations) | 0 |
TOTAL OFF-BALANCE SHEET AND DERIVATIVE CREDIT EQUIVALENT (50% Credit Equivalent Risk Weight Allocations) | 0 |
TOTAL OFF-BALANCE SHEET AND DERIVATIVE CREDIT EQUIVALENT (75% Credit Equivalent Risk Weight Allocations) | 0 |
TOTAL OFF-BALANCE SHEET AND DERIVATIVE CREDIT EQUIVALENT (100% Credit Equivalent Risk Weight Allocations) | 7,410,909 |
TOTAL OFF-BALANCE SHEET AND DERIVATIVE CREDIT EQUIVALENT (Alternative Risk Weights (Exposure Amount)) | 0 |
TOTAL RISK-WEIGHTED ASSETS - OFF BALANCE SHEET AND DERIVATIVE (Totals for Risk-Weighting) | 7,410,909 |
TOTAL RISK-WEIGHTED ASSETS - OFF BALANCE SHEET AND DERIVATIVE (2% Credit Equivalent Risk Weight Allocations) | 0 |
TOTAL RISK-WEIGHTED ASSETS - OFF BALANCE SHEET AND DERIVATIVE (4% Credit Equivalent Risk Weight Allocations) | 0 |
TOTAL RISK-WEIGHTED ASSETS - OFF BALANCE SHEET AND DERIVATIVE (20% Credit Equivalent Risk Weight Allocations) | 0 |
TOTAL RISK-WEIGHTED ASSETS - OFF BALANCE SHEET AND DERIVATIVE (50% Credit Equivalent Risk Weight Allocations) | 0 |
TOTAL RISK-WEIGHTED ASSETS - OFF BALANCE SHEET AND DERIVATIVE (75% Credit Equivalent Risk Weight Allocations) | 0 |
TOTAL RISK-WEIGHTED ASSETS - OFF BALANCE SHEET AND DERIVATIVE (100% Credit Equivalent Risk Weight Allocations) | 7,410,909 |
TOTAL RISK-WEIGHTED ASSETS - OFF BALANCE SHEET AND DERIVATIVE (Alternative Risk Weights (Exposure Amount)) | 0 |
Risk-Based Capital Ratio Totals |
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TOTAL ON-BALANCE SHEET ASSETS AND OFF-BALANCE SHEET CREDIT EQUIVALENT AMOUNTS (Sum of RB0099 and RB0153) | 3,728,097,269 |
TOTAL RISK-WEIGHTED ASSETS (Sum of RB0112 and RB0162) | 2,118,465,441 |
TOTAL RISK-BASED CAPITAL RATIO (RB0012 divided by RB0171) | 18.01 |