Assets
09/30/2025
| LOANS TO MEMBERS | Amount |
|---|---|
| Personal Loans | $53,374,289.29 |
| Share Secured | $2,126,806.34 |
| New Auto | $73,115,006.63 |
| Used Auto | $228,098,006.87 |
| Other Secured | $33,908,855.37 |
| Real Estate | $436,749,532.13 |
| Real Estate 2nd Lien | $21,631,975.93 |
| Workout Loans | $0.00 |
| Credit Cards | $31,793,344.06 |
| Misc. - Non-Member | $0.00 |
| TOTAL LOANS | $880,797,816.62 |
| Less: Allowance for Losses | -$7,919,435.00 |
| NET | $872,878,381.62 |
| ACCOUNTS RECEIVABLE | $1,035,744.32 |
| CASH ON HAND AND IN BANKS | $5,225,766.65 |
| INVESTMENTS | |
| Mutual Funds | $0.00 |
| S&L/Bank Deposits | $98,652,922.75 |
| Govt. Agency Securities | |
| Federal Agency Securities | $250,348,845.17 |
| NCUA Share Deposit | $6,704,965.83 |
| TOTAL INVESTMENTS | $355,706,733.75 |
| Loans Investments | $3,212,738.79 475,673.09 |
| TOTAL ACCRUED INCOME | $3,688,411.88 |
| PREPAID EXPENSES | $874,932.58 |
| FIXED ASSETS | |
| Land Building Furniture & Fixtures | $2,509,640.93 4,692,310.57 1,052,316.31 |
| TOTAL FIXED ASSETS | $8,254,267.81 |
| OTHER ASSETS | $17,300,530.56 |
| TOTAL ASSETS | $1,264,964,769.17 |
Liabilities & Equity
09/30/2025
| LIABILITIES | Amount |
|---|---|
| Accounts Payable | $11,320,874.01 |
| Notes Payable | $75,000,000.00 |
| Dividends Payable | $12,219.27 |
| Share Draft | $514.27 |
| Money Market | $160,416.68 |
| Interest on Certificates | $3,359,070.52 |
| IRAs | $49,729.23 |
| HSAs | $886.75 |
| TOTAL LIABILITIES | $89,903,710.73 |
| MEMBER EQUITY | |
| Shares | $306,794,185.69 |
| Share Drafts | $136,491,445.58 |
| Money Market Shares | $115,636,717.66 |
| Term Share Accounts | |
| 90 Day | $7,162,048.72 |
| 6 Month | $18,183,685.18 |
| 12 Month | $191,896,751.33 |
| 18 Month | $105,170,044.31 |
| 2 Years | $76,815,006.64 |
| 3 Years | $37,861,051.79 |
| 4 Years | $573,337.96 |
| 5 Years | $2,431,220.54 |
| Total Term Share | $440,093,146.47 |
| IRAs | $20,123,628.51 |
| HSAs | $7,342,827.10 |
| TOTAL DEPOSITS | $1,026,481,951.01 |
| Regular Reserves | $0.00 |
| Capital | $144,132,670.47 |
| Net Income | $4,446,436.96 |
| TOTAL EQUITY | $148,579,107.43 |
| TOTAL LIABILITIES & EQUITY | $1,264,964,769.17 |
Income Statement
09/30/2025
| INCOME | This Month | Year to Date | Budget | Year to Date |
|---|---|---|---|---|
| Interest on Loans | $4,567,784.78 | $40,498,576.86 | $40,755,200.00 | $37,911,310.72 |
| Interest on Investments | $849,123.73 | $6,720,699.41 | $6,394,500.00 | $8,015,335.46 |
| Other | $1,286,628.38 | $11,617,162.91 | $11,091,500.00 | $10,975,126.51 |
| TOTAL INCOME | $6,703,536.89 | $58,836,439.18 | $58,241,200.00 | $56,901,772.69 |
| EXPENSES | ||||
| Compensation | $1,208,003.23 | $10,667,850.94 | $10,969,700.00 | $9,667,954.54 |
| Employee Benefits | $325,056.97 | $2,973,897.34 | $3,089,900.00 | $2,888,486.06 |
| Travel & Conference | $31,498.38 | $201,023.75 | $209,900.00 | $143,368.96 |
| Association Dues | $14,539.87 | $60,254.90 | $45,000.00 | $50,738.08 |
| Office Occupancy | $202,924.17 | $1,808,975.22 | $1,776,300.00 | $1,663,832.15 |
| Office Operations | $437,836.41 | $4,352,902.42 | $4,366,900.00 | $4,130,396.71 |
| Education & Promotion | $130,936.05 | $1,000,702.57 | $1,312,500.00 | $855,561.65 |
| Loan Servicing | $182,391.70 | $1,481,876.87 | $1,345,200.00 | $1,089,102.57 |
| Professional & Outside | $358,861.57 | $4,242,565.17 | $4,116,200.00 | $3,655,377.07 |
| Provision for Loan Losses | $496,873.36 | $5,685,724.92 | $4,864,200.00 | $4,216,801.48 |
| NCUA/Members Ins | $0.00 | $0.00 | $0.00 | $0.00 |
| Fed. Supv/Exam | $19,635.99 | $185,115.93 | $201,900.00 | $183,875.28 |
| Cash Over/Short | $1.36 | -$5,911.60 | $3,700.00 | -$4,205.96 |
| Interest on Borrowed Money | $355,600.01 | $4,199,519.27 | $4,848,200.00 | $8,031,880.06 |
| Annual Meeting | $1,916.67 | $17,250.03 | $17,200.00 | $17,250.03 |
| Misc. Operating | $326,498.23 | $1,171,091.03 | $847,400.00 | $361,655.35 |
| Patronage Dividend | $450,000.00 | $2,000,000.00 | $1,000,000.00 | |
| TOTAL EXPENSES | $4,542,573.97 | $40,042,838.76 | $39,014,200.00 | $36,952,074.03 |
| GAINS(LOSSES) | $0.00 | -$129,471.24 | $7,300.00 | -$285.00 |
| INCOME BEFORE DIVIDENDS | $2,160,962.92 | $18,664,129.18 | $19,234,300.00 | $19,949,413.66 |
| COST OF FUNDS | ||||
| LESS SHARE DIVIDENDS | $12,219.27 | $110,113.65 | $114,200.00 | $110,987.84 |
| SHARE DRAFT DIVIDENDS | $514.27 | $4,806.34 | $3,700.00 | $4,459.99 |
| MONEY MARKET DIVIDENDS | $160,416.68 | $1,442,201.66 | $1,642,200.00 | $1,419,852.13 |
| INTEREST ON TERM SHARES | $1,426,315.12 | $12,192,165.48 | $12,054,900.00 | $13,814,917.77 |
| IRA INTEREST | $49,728.89 | $460,760.86 | $468,900.00 | $403,034.20 |
| HSA | $886.75 | $7,644.23 | $7,500.00 | $5,172.22 |
| TOTAL COST OF FUNDS | $1,650,080.98 | $14,217,692.22 | $14,291,400.00 | $15,758,424.15 |
| LESS RESERVE TRANSFER | $0.00 | $0.00 | $0.00 | $0.00 |
| NET INCOME | $510,881.94 | $4,446,436.96 | $4,942,900.00 | $4,190,989.51 |