Assets
3/31/2026
| LOANS TO MEMBERS | Amount |
|---|---|
| Personal Loans | $51,245,811.77 |
| Share Secured | $2,183,594.64 |
| New Auto | $65,301,743.11 |
| Used Auto | $222,504,779.71 |
| Other Secured | $31,980,043.71 |
| Real Estate | $447,586,296.84 |
| Real Estate 2nd Lien | $23,715,940.98 |
| Workout Loans | $0.00 |
| Credit Cards | $32,006,875.88 |
| Misc. - Non-Member | $0.00 |
| TOTAL LOANS | $876,525,086.64 |
| Less: Allowance for Losses | -$9,093,256.00 |
| NET | $867,431,830.64 |
| ACCOUNTS RECEIVABLE | $689,381.91 |
| CASH ON HAND AND IN BANKS | $5,113,087.62 |
| INVESTMENTS | |
| Mutual Funds | $0.00 |
| S&L/Bank Deposits | $93,028,534.02 |
| Govt. Agency Securities | |
| Federal Agency Securities | $250,083,854.59 |
| NCUA Share Deposit | $7,107,326.69 |
| TOTAL INVESTMENTS | $350,219,715.30 |
| Loans Investments |
$3,124,070.76 $535,446.74 |
| TOTAL ACCRUED INCOME | $3,659,517.50 |
| PREPAID EXPENSES | $1,256,040.65 |
| FIXED ASSETS | |
| Land Building Furniture & Fixtures |
$2,509,640.93 $4,361,448.97 $1,518,754.48 |
| TOTAL FIXED ASSETS | $8,389,844.38 |
| OTHER ASSETS | $18,672,361.56 |
| TOTAL ASSETS | $1,255,431,779.56 |
Liabilities & Equity
3/31/2026
| LIABILITIES | Amount |
|---|---|
| Accounts Payable | $11,104,523.74 |
| Notes Payable | $25,000,000.00 |
| Dividends Payable | $13,037.62 |
| Share Draft | $574.41 |
| Money Market | $173,328.70 |
| Interest on Certificates | $4,055,470.81 |
| IRAs | $48,018.28 |
| HSAs | $1,029.24 |
| TOTAL LIABILITIES | $40,395,982.80 |
| MEMBER EQUITY | |
| Shares | $312,495,393.90 |
| Share Drafts | $149,786,115.61 |
| Money Market Shares | $118,4274,504.15 |
| Term Share Accounts | |
| 90 Day | $5,910,773.59 |
| 6 Month | $28,155,794.37 |
| 12 Month | $189,300,605.77 |
| 18 Month | $108,939,511.32 |
| 2 Years | $77,127,908.61 |
| 3 Years | $38,582,402.94 |
| 4 Years | $573,729.52 |
| 5 Years | $2,331,584.00 |
| Total Term Share | $450,922,310.12 |
| IRAs | $20,226,606.57 |
| HSAs | $8,136,957.90 |
| TOTAL DEPOSITS | $1,059,841,888.25 |
| Regular Reserves | $0.00 |
| Capital | $152,768,642.83 |
| Net Income | $2,425,265.68 |
| TOTAL EQUITY | $155,193,908.51 |
| TOTAL LIABILITIES & EQUITY | $1,255,431,779.56 |
Income Statement
3/31/2026
| INCOME | This Month | 2026 Year to Date | Budget | 2025 Year to Date |
|---|---|---|---|---|
| Interest on Loans | $4,802,103.32 | $13,932,143.58 | $14,158,000.00 | $13,089,103.34 |
| Interest on Investments | $827,692.17 | $2,310,058.05 | $2,046,600.00 | $2,295,004.28 |
| Other | $1,401,241.63 | $4,320,718.70 | $4,034,100.00 | $3,572,560.28 |
| TOTAL INCOME | $7,031,037.12 | $20,562,920.33 | $20,238,700.00 | $18,956,667.74 |
| EXPENSES | ||||
| Compensation | $1,254,331.66 | $3,798,472.42 | $3,907,500.00 | $3,599,635.41 |
| Employee Benefits | $354,659.07 | $1,128,586.19 | $1,183,900.00 | $1,031,634.36 |
| Travel & Conference | $18,540.87 | $71,903.34 | $82,500.00 | $64,161.10 |
| Association Dues | $7,302.22 | $18,004.89 | $18,700.00 | $20,013.21 |
| Office Occupancy | $195,670.05 | $571,390.93 | $623,700.00 | $588,751.28 |
| Office Operations | $438,434.94 | $1,196,754.59 | $1,487,800.00 | $1,281,253.21 |
| Education & Promotion | $84,282.25 | $223,109.51 | $437,400.00 | $176,413.08 |
| Loan Servicing | $191,753.68 | $512,384.36 | $505,000.00 | $530,239.09 |
| Professional & Outside | $596,416.90 | $1,724,247.92 | $1,519,200 | $1,414,486.09 |
| Provision for Loan Losses | $1,155,459.75 | $2,509,959.75 | $2,318,500.00 | $1,791,682.56 |
| NCUA/Members Ins | $0.00 | $0.00 | $0.00 | $0.00 |
| Fed. Supv/Exam | $19,635.99 | $58,907.97 | $58,500.00 | $67,299.99 |
| Cash Over/Short | -$48.96 | $222.44 | $1,200.00 | -$1,193.36 |
| Interest on Borrowed Money | $131,633.33 | $424,294.45 | $603,300.00 | $1,799,973.58 |
| Annual Meeting | $1,047.44 | $3,142.32 | $6,800.00 | $5,750.01 |
| Misc. Operating | -$411,718.56 | -$266,486.21 | $243,900.00 | $215,409.38 |
| Patronage Dividend | $400,000.00 | $1,050,000.00 | $600,000.00 | $400,000.00 |
| TOTAL EXPENSES | $4,437,400.63 | $13,024,891.87 | $13,596,900.00 | $12,985,508.99 |
| GAINS(LOSSES) | $0 | -$3,131.00 | $2,400.00 | -$1,974.00 |
| INCOME BEFORE DIVIDENDS | $2,593,636.49 | $7,534,897.46 | $6,644,200.00 | $5,969,184.75 |
| COST OF FUNDS | ||||
| LESS SHARE DIVIDENDS | $13,037.62 | $36,862.93 | $38,100.00 | $35,654.90 |
| SHARE DRAFT DIVIDENDS | $574.41 | $1,635.02 | $700.00 | $1,578.39 |
| MONEY MARKET DIVIDENDS | $173,328.70 | $501,807.57 | $579,800.00 | $467,099.38 |
| INTEREST ON TERM SHARES | $1,502,524.12 | $4,427,390.60 | $4,412,800.00 | $3,864,593.92 |
| IRA INTEREST | $48,018.28 | $139,018.56 | $152,200.00 | $152,002.75 |
| HSA | $1,029.24 | $2,917.10 | $2,800.00 | $2,373.84 |
| TOTAL COST OF FUNDS | $1,756,512.37 | $5,109,631.78 | $5,186,400.00 | $4,523,303.18 |
| LESS RESERVE TRANSFER | $0.00 | $0.00 | $0.00 | $0.00 |
| NET INCOME | $837,124.12 | $2,425,265.68 | $1,457,800.00 | $1,445,881.57 |