Assets
12/31/2025
| LOANS TO MEMBERS | Amount |
|---|---|
| Personal Loans | $53,108,588.99 |
| Share Secured | $2,157,873.24 |
| New Auto | $66,969,835.23 |
| Used Auto | $224,307,305.87 |
| Other Secured | $32,512,872.32 |
| Real Estate | $442,285,608.32 |
| Real Estate 2nd Lien | $23,570,984.24 |
| Workout Loans | $0.00 |
| Credit Cards | $32,475,319.25 |
| Misc. - Non-Member | $0.00 |
| TOTAL LOANS | $877,388,387.26 |
| Less: Allowance for Losses | -$8,483,065.45 |
| NET | $868,905,321.81 |
| ACCOUNTS RECEIVABLE | $714,994.12 |
| CASH ON HAND AND IN BANKS | $6,457,900.13 |
| INVESTMENTS | |
| Mutual Funds | $0.00 |
| S&L/Bank Deposits | $89,379,208.61 |
| Govt. Agency Securities | |
| Federal Agency Securities | $255,478,976.11 |
| NCUA Share Deposit | $7,107,326.69 |
| TOTAL INVESTMENTS | $351,965,511.41 |
| Loans Investments | $3,218,974.27 706,274.44 |
| TOTAL ACCRUED INCOME | $3,925,248.71 |
| PREPAID EXPENSES | $1,009,851.22 |
| FIXED ASSETS | |
| Land Building Furniture & Fixtures | $2,509,640.93 4,471,736.17 1,053,916.41 |
| TOTAL FIXED ASSETS | $8,035,293.51 |
| OTHER ASSETS | $17,804,248.89 |
| TOTAL ASSETS | $1,258,818,369.80 |
Liabilities & Equity
12/31/2025
| LIABILITIES | Amount |
|---|---|
| Accounts Payable | $15,022,556.18 |
| Notes Payable | $50,000,000.00 |
| Dividends Payable | $12,383.45 |
| Share Draft | $554.07 |
| Money Market | $171,377.92 |
| Interest on Certificates | $1,494,336.71 |
| IRAs | $47,818.38 |
| HSAs | $975.06 |
| TOTAL LIABILITIES | $66,750,001.77 |
| MEMBER EQUITY | |
| Shares | $299,235,628.17 |
| Share Drafts | $143,591,286.95 |
| Money Market Shares | $117,863,750.08 |
| Term Share Accounts | |
| 90 Day | $6,535,508.99 |
| 6 Month | $26,205,646.73 |
| 12 Month | $188,812,462.58 |
| 18 Month | $108,811,474.24 |
| 2 Years | $77,088,657.16 |
| 3 Years | $38,574,575.06 |
| 4 Years | $573,729.52 |
| 5 Years | $2,376,580.99 |
| Total Term Share | $448,978,635.27 |
| IRAs | $20,230,874.99 |
| HSAs | $7,738,752.47 |
| TOTAL DEPOSITS | $1,037,638,927.93 |
| Regular Reserves | $0.00 |
| Capital | $153,729,420.15 |
| Net Income | $700,019.95 |
| TOTAL EQUITY | $154,429,440.10 |
| TOTAL LIABILITIES & EQUITY | $1,258,818,369.80 |
Income Statement
12/31/2025
| INCOME | This Month | Year to Date | Budget | Year to Date |
|---|---|---|---|---|
| Interest on Loans | $4,724,749.99 | $4,724,749.99 | $4,719,300.00 | $4,397,849.62 |
| Interest on Investments | $758,675.86 | $758,675.86 | $682,200.00 | $740,164.15 |
| Other | $1,257,148.60 | $1,257,148.60 | $1,344,700.00 | $1,167,758.12 |
| TOTAL INCOME | $6,740,574.45 | $6,740,574.45 | $6,746,200.00 | $6,305,771.89 |
| EXPENSES | ||||
| Compensation | $1,249,289.16 | $1,249,289.16 | $1,302,500.00 | $1,197,829.42 |
| Employee Benefits | $435,650.07 | $435,650.07 | $394,600.00 | $405,320.20 |
| Travel & Conference | $7,520.28 | $7,520.28 | $27,500.00 | $5,829.12 |
| Association Dues | $4,364.90 | $4,364.90 | $6,200.00 | $11,864.12 |
| Office Occupancy | $185,331.59 | $185,331.59 | $207,900.00 | $179,505.98 |
| Office Operations | $377,610.33 | $377,610.33 | $495,900.00 | $452,167.28 |
| Education & Promotion | $67,483.13 | $67,483.13 | $145,800.00 | $53,792.97 |
| Loan Servicing | $183,263.82 | $183,263.82 | $168,300.00 | $96,274.48 |
| Professional & Outside | $568,667.45 | $568,667.45 | $506,400.00 | $422,533.98 |
| Provision for Loan Losses | $600,000.00 | $600,000.00 | $772,500.00 | $575,000.00 |
| NCUA/Members Ins | $0.00 | $0.00 | $0.00 | $0.00 |
| Fed. Supv/Exam | $19,635.99 | $19,635.99 | $19,500.00 | $22,433.33 |
| Cash Over/Short | $75.45 | -$75.45 | $400.00 | $-95.99 |
| Interest on Borrowed Money | $151,494.45 | $151,494.45 | $201,100.00 | $657,842.47 |
| Annual Meeting | $1,047.44 | $1,047.44 | $2,300.00 | $1,916.67 |
| Misc. Operating | $72,365.06 | $72,365.06 | $81,300.00 | -$206,710.92 |
| Patronage Dividend | $350,000.00 | $350,000.00 | $200,000.00 | |
| TOTAL EXPENSES | $4,273,799.12 | $4,273,799.12 | $4,532,200.00 | $4,075,503.11 |
| GAINS(LOSSES) | $0.00 | $0.00 | $800.00 | -$1,468.00 |
| INCOME BEFORE DIVIDENDS | $2,466,775.33 | $2,466,775.33 | $2,214,800.00 | $2,228,800.78 |
| COST OF FUNDS | ||||
| LESS SHARE DIVIDENDS | $12,383.45 | $12,383.45 | $12,700.00 | $12,032.44 |
| SHARE DRAFT DIVIDENDS | $554.07 | $554.07 | $200.00 | $532.77 |
| MONEY MARKET DIVIDENDS | $171,377.92 | $171,377.92 | $193,200.00 | $160,504.10 |
| INTEREST ON TERM SHARES | $1,533,646.50 | $1,533,646.50 | $1,470,900.00 | $1,323,977.55 |
| IRA INTEREST | $47,818.38 | $47,818.38 | $50,800.00 | $52,991.55 |
| HSA | $975.06 | $975.06 | $900.00 | $781.00 |
| TOTAL COST OF FUNDS | $1,766,755.38 | $1,766,755.38 | $1,728,700.00 | $1,550,819.41 |
| LESS RESERVE TRANSFER | $0.00 | $0.00 | $0.00 | $0.00 |
| NET INCOME | $700,019.95 | $700,019.95 | $486,100.00 | $677,981.37 |