Assets
12/31/2025
| LOANS TO MEMBERS | Amount |
|---|---|
| Personal Loans | $53,307,448.53 |
| Share Secured | $2,157,823.24 |
| New Auto | $68,957,303.29 |
| Used Auto | $225,154,101.48 |
| Other Secured | $32,779,241.15 |
| Real Estate | $440,149,335.27 |
| Real Estate 2nd Lien | $23,106,047.81 |
| Workout Loans | $0.00 |
| Credit Cards | $32,603,347.84 |
| Misc. - Non-Member | $0.00 |
| TOTAL LOANS | $878,214,648.61 |
| Less: Allowance for Losses | -$8,457,021.00 |
| NET | $869,757,627.61 |
| ACCOUNTS RECEIVABLE | $741,153.57 |
| CASH ON HAND AND IN BANKS | $6,490,860.71 |
| INVESTMENTS | |
| Mutual Funds | $0.00 |
| S&L/Bank Deposits | $84,208,572.18 |
| Govt. Agency Securities | |
| Federal Agency Securities | $259,559,196.82 |
| NCUA Share Deposit | $7,107,326.69 |
| TOTAL INVESTMENTS | $350,875,095.69 |
| Loans Investments | $3,415,482.96 652,276.18 |
| TOTAL ACCRUED INCOME | $4,067,759.14 |
| PREPAID EXPENSES | $982,779.00 |
| FIXED ASSETS | |
| Land Building Furniture & Fixtures | $2,509,640.93 4,526,879.77 1,088,143.91 |
| TOTAL FIXED ASSETS | $8,124,664.61 |
| OTHER ASSETS | $17,789,494.97 |
| TOTAL ASSETS | $1,258,829,435.30 |
Liabilities & Equity
12/31/2025
| LIABILITIES | Amount |
|---|---|
| Accounts Payable | $15,782,983.92 |
| Notes Payable | $50,000,000.00 |
| Dividends Payable | $12,621.65 |
| Share Draft | $547.87 |
| Money Market | $169,649.05 |
| Interest on Certificates | $4,252,047.55 |
| IRAs | $50,983.41 |
| HSAs | $952.62 |
| TOTAL LIABILITIES | $70,269,786.07 |
| MEMBER EQUITY | |
| Shares | $299,338,790.47 |
| Share Drafts | $146,863,626.93 |
| Money Market Shares | $116,350,761.91 |
| Term Share Accounts | |
| 90 Day | $6,570,069.93 |
| 6 Month | $24,101,432.52 |
| 12 Month | $190,120,725.59 |
| 18 Month | $107,417,323.06 |
| 2 Years | $76,313,018.11 |
| 3 Years | $38,208,082.83 |
| 4 Years | $570,721.04 |
| 5 Years | $2,363,653.92 |
| Total Term Share | $445,665,027.00 |
| IRAs | $19,776,301.55 |
| HSAs | $7,459,449.38 |
| TOTAL DEPOSITS | $1,035,453,957.24 |
| Regular Reserves | $0.00 |
| Capital | $146,458,223.66 |
| Net Income | $6,647,468.33 |
| TOTAL EQUITY | $153,105,691.99 |
| TOTAL LIABILITIES & EQUITY | $1,258,829,435.30 |
Income Statement
12/31/2025
| INCOME | This Month | Year to Date | Budget | Year to Date |
|---|---|---|---|---|
| Interest on Loans | $4,765,908.48 | $54,592,737.46 | $54,441,200.00 | $51,620,596.66 |
| Interest on Investments | $621,608.11 | $8,902,112.29 | $8,515,800.00 | $10,386,680.89 |
| Other | $1,437,192.24 | $15,571,332.11 | $14,824,300.00 | $15,528,500.84 |
| TOTAL INCOME | $6,824,708.83 | $79,066,181.86 | $77,781,300.00 | $77,535,778.39 |
| EXPENSES | ||||
| Compensation | $1,004,369.80 | $14,118,683.03 | $14,581,100.00 | $13,107,633.14 |
| Employee Benefits | $332,430.69 | $3,937,746.52 | $4,136,800.00 | $3,790,222.52 |
| Travel & Conference | $41,829.64 | $301,277.59 | $280,000.00 | $210,958.70 |
| Association Dues | $6,953.26 | $76,408.41 | $60,000.00 | $84,137.66 |
| Office Occupancy | $189,407.39 | $2,365,197.92 | $2,375,400.00 | $2,260,454.21 |
| Office Operations | $469,614.94 | $5,557,367.39 | $5,892,900.00 | $5,695,041.18 |
| Education & Promotion | $137,800.79 | $1,343,094.83 | $1,750,000.00 | $1,228,630.32 |
| Loan Servicing | $206,716.20 | $1,972,868.77 | $1,929,300.00 | $1,533,983.08 |
| Professional & Outside | $461,287.73 | $5,637,833.58 | $5,544,600.00 | $4,851,844.92 |
| Provision for Loan Losses | $879,345.19 | $8,179,170.11 | $6,750,000.00 | $6,120,572.31 |
| NCUA/Members Ins | $0.00 | $0.00 | $0.00 | $0.00 |
| Fed. Supv/Exam | $19,635.98 | $244,023.89 | $269,200.00 | $245,206.82 |
| Cash Over/Short | $4,059.33 | -$5,714.45 | $5,000.00 | $5,268.35 |
| Interest on Borrowed Money | $188,362.36 | $4,865,756.73 | $5,567,600.00 | $10,566,634.71 |
| Annual Meeting | $3,916.67 | $16,917.11 | $23,000.00 | $14,828.55 |
| Misc. Operating | -$273,924.76 | $1,072,727.48 | $1,153,200.00 | $575,716.59 |
| Patronage Dividend | $500,000.00 | $3,000,000.00 | $2,000,000.00 | |
| TOTAL EXPENSES | $4,171,805.21 | $52,683,358.91 | $52,318,100.00 | $50,291,173.06 |
| GAINS(LOSSES) | -$150.00 | -$257,929.42 | $10,000.00 | $38,898.38 |
| INCOME BEFORE DIVIDENDS | $2,652,753.62 | $26,124,893.53 | $25,473,200.00 | $27,283,503.71 |
| COST OF FUNDS | ||||
| LESS SHARE DIVIDENDS | $12,621.65 | $147,396.35 | $151,800.00 | $147,484.94 |
| SHARE DRAFT DIVIDENDS | $547.87 | $6,410.62 | $6,100.00 | $5,983.84 |
| MONEY MARKET DIVIDENDS | $169,649.05 | $1,944,232.24 | $2,219,800.00 | $1,903,491.40 |
| INTEREST ON TERM SHARES | $1,533,030.51 | $16,756,145.70 | $16,218,900.00 | $17,622,088.60 |
| IRA INTEREST | $50,983.41 | $612,809.79 | $628,700.00 | $556,270.54 |
| HSA | $952.62 | $10,430.50 | $10,700.00 | $7,297.20 |
| TOTAL COST OF FUNDS | $1,767,785.11 | $19,477,425.20 | $19,236,000.00 | $20,242,616.52 |
| LESS RESERVE TRANSFER | $0.00 | $0.00 | $0.00 | $0.00 |
| NET INCOME | $884,968.51 | $6,647,468.33 | $6,237,200.00 | $7,040,887.19 |