Assets
4/30/2026
| LOANS TO MEMBERS | Amount |
|---|---|
| Personal Loans | $50,929,955.60 |
| Share Secured | $2,102,166.39 |
| New Auto | $64,310,178.49 |
| Used Auto | $222,440,842.65 |
| Other Secured | $31,654,144.15 |
| Real Estate | $454,688,150.36 |
| Real Estate 2nd Lien | $24,029,773.49 |
| Workout Loans | $0.00 |
| Credit Cards | $32,003,332.15 |
| Misc. - Non-Member | $0.00 |
| TOTAL LOANS | $882,158,543.28 |
| Less: Allowance for Losses | -$9,157,935.81 |
| NET | $873,000,607.47 |
| ACCOUNTS RECEIVABLE | $627,624.24 |
| CASH ON HAND AND IN BANKS | $4,760,987.56 |
| INVESTMENTS | |
| Mutual Funds | $0.00 |
| S&L/Bank Deposits | $69,637,205.20 |
| Govt. Agency Securities | |
| Federal Agency Securities | $247,329,860.21 |
| NCUA Share Deposit | $7,107,326.69 |
| TOTAL INVESTMENTS | $324,074,392.10 |
| Loans Investments |
$3,232,311.33 $578,938.43 |
| TOTAL ACCRUED INCOME | $3,811,249.76 |
| PREPAID EXPENSES | $1,252,422.07 |
| FIXED ASSETS | |
| Land Building Furniture & Fixtures |
$2,509,640.93 $4,306,387.35 $1,623,525.40 |
| TOTAL FIXED ASSETS | $8,439,553.68 |
| OTHER ASSETS | $19,554,957.07 |
| TOTAL ASSETS | $1,235,521,793.95 |
Liabilities & Equity
4/30/2026
| LIABILITIES | Amount |
|---|---|
| Accounts Payable | $11,710,459.29 |
| Notes Payable | $0.00 |
| Dividends Payable | $12,512.42 |
| Share Draft | $583.93 |
| Money Market | $166,041.17 |
| Interest on Certificates | $1,431,875.50 |
| IRAs | $46,753.53 |
| HSAs | $1,007.51 |
| TOTAL LIABILITIES | $13,369,233.35 |
| MEMBER EQUITY | |
| Shares | $315,493,338.06 |
| Share Drafts | $153,203,990.20 |
| Money Market Shares | $116,707,824.11 |
| Term Share Accounts | |
| 90 Day | $5,985,344.12 |
| 6 Month | $40,060,201.94 |
| 12 Month | $178,596,153.41 |
| 18 Month | $108,086,719.85 |
| 2 Years | $77,527,749.90 |
| 3 Years | $39,001,216.72 |
| 4 Years | $576,883.43 |
| 5 Years | $2,294,858.96 |
| Total Term Share | $452,129,128.33 |
| IRAs | $20,353,601.51 |
| HSAs | $8,218,986.21 |
| TOTAL DEPOSITS | $1,066,106,868.42 |
| Regular Reserves | $0.00 |
| Capital | $152,762,251.64 |
| Net Income | $3,283,440.54 |
| TOTAL EQUITY | $156,045,692.18 |
| TOTAL LIABILITIES & EQUITY | $1,235,521,793.95 |
Income Statement
4/30/2026
| INCOME | This Month | 2026 Year to Date | Budget | 2025 Year to Date |
|---|---|---|---|---|
| Interest on Loans | $4,601,171.36 | $18,533,314.94 | $18,877,400.00 | $17,479,356.79 |
| Interest on Investments | $714,500.07 | $3,024,558.12 | $2,728,800.00 | $3,059,435.19 |
| Other | $1,489,618.16 | $5,810,336.86 | $5,378,800.00 | $5,131,307.22 |
| TOTAL INCOME | $6,805,289.59 | $27,368,209.92 | $26,985,000.00 | $$25,670,099.20 |
| EXPENSES | ||||
| Compensation | $1,262,701.05 | $5,061,173.47 | $5,210,000.00 | $4,769,883.71 |
| Employee Benefits | $336,541.38 | $1,465,127.57 | $1,578,500.00 | $1,355,041.80 |
| Travel & Conference | $43,024.61 | $114,927.95 | $110,000.00 | $87,684.43 |
| Association Dues | $5,552.88 | $23,557.77 | $25,000.00 | $24,363.42 |
| Office Occupancy | $194,777.85 | $766,168.78 | $831,600.00 | $781,195.13 |
| Office Operations | $440,286.75 | $1,637,041.34 | $1,983,700.00 | $2,026,968.28 |
| Education & Promotion | $76,850.45 | $299,959.96 | $583,300.00 | $342,326.46 |
| Loan Servicing | $186,564.78 | $698,949.14 | $673,300.00 | $711,242.82 |
| Professional & Outside | $646,011.19 | $2,370,259.11 | $2,025,600.00 | $1,849,810.62 |
| Provision for Loan Losses | $575,000.00 | $3,084,959.75 | $3,090,000.00 | $2,491,682.56 |
| NCUA/Members Ins | $0.00 | $0.00 | $0.00 | $0.00 |
| Fed. Supv/Exam | $15,176.26 | $74,084.23 | $78,000.00 | $86,935.98 |
| Cash Over/Short | $22.18 | $244.62 | $1,600.00 | -$1,194.54 |
| Interest on Borrowed Money | $76,222.08 | $500,516.53 | $804,400.00 | $2,310,098.41 |
| Annual Meeting | $1,047.44 | $4,189.76 | $9,000.00 | $7,666.68 |
| Misc. Operating | $71,245.54 | -$195,243.67 | $325,200.00 | $301,967.78 |
| Patronage Dividend | $300,000.00 | $1,350,000.00 | $800,000.00 | $600,000.00 |
| TOTAL EXPENSES | $4,231,024.44 | $17,255,916.31 | $18,129,200.00 | $17,745,673.54 |
| GAINS(LOSSES) | -$3,124.00 | -$6,255.00 | $3,200.00 | -$1,974.00 |
| INCOME BEFORE DIVIDENDS | $2,571,141.15 | $10,106,038.61 | $8,859,000.00 | $7,922,451.66 |
| COST OF FUNDS | ||||
| LESS SHARE DIVIDENDS | $12,512.42 | $49,375.35 | $50,800.00 | $47,885.52 |
| SHARE DRAFT DIVIDENDS | $583.93 | $2,218.95 | $1,000.00 | $2,132.21 |
| MONEY MARKET DIVIDENDS | $166,041.17 | $667,848.74 | $773,100.00 | $624,876.20 |
| INTEREST ON TERM SHARES | $1,486,067.91 | $5,913,458.51 | $5,883,800.00 | $5,190,512.68 |
| IRA INTEREST | $46,753.53 | $185,772.09 | $202,900.00 | $202,930.27 |
| HSA | $1,007.33 | $3,924.43 | $3,800.00 | $3,212.32 |
| TOTAL COST OF FUNDS | $1,712,966.29 | $6,822,598.07 | $6,915,400.000 | $6,071,549.20 |
| LESS RESERVE TRANSFER | $0.00 | $0.00 | $0.00 | $0.00 |
| NET INCOME | $858,174.86 | $3,283,440.54 | $1,943,600.00 | $1,850,902.46 |