Statement of Financial Condition & Income

As of December 31, 2025 (unaudited)

Liabilities & Members’ Equity

Assets
2025
2024
Cash and Cash Equivalents
$40,064,112
$58,711,193
Investments
$193,901,227
$190,906,270
Loans to Members, Net
$694,739,628
$655,670,850
Property and Equipment
$5,893,831
$5,716,323
National Credit Union Share Insurance Fund (NCUSIF) Deposit
$7,200,891
$7,327,181
Other Assets
$29,647,037
$26,405,863
Total Assets
$971,446,726
$944,737,680
Liabilities
2025
2024
Members’ Share Accounts
$811,242,591
$803,958,118
Borrowed Funds
$93,000,000
$88,322,240
Accrued Expenses and Other Liabilities
$7,319,972
$7,967,843
Total Liabilities
$911,562,562
$900,248,202
Members’ Equity
2025
2024
Regular Reserve
0
0
Undivided Earnings
$79,201,934
$74,038,926
Accumulated & Other Comprehensive Income / (Loss)
($19,317,771)
($29,549,448)
Total Equity
$59,884,163
$44,489,478
Total Liabilities & Members’ Equity
$971,446,726
$944,737,680

Statement of Income

Income
2025
2024
Loans to Members
$37,706,557
$34,625,025
Interest from Investments
$5,406,494
$6,040,128
Non-Interest Income
$6,434,525
$6,345,239
Total Income
$49,547,575
$47,010,392
Expenses
2025
2024
Interest Expenses
$9,594,282
$10,783,269
Provision for Loan Losses
$5,595,180
$5,493,160
Compensation and Benefits
$15,009,825
$15,119,388
Office Occupancy
$1,107,762
$1,066,971
Office Operations
$7,744,059
$7,205,430
Other
$5,333,460
$6,044,764
Total Operating Expenses
$44,384,567
$45,712,981
Net Income
$5,163,008
$1,297,411
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