Assets
9/30/2026
| LOANS TO MEMBERS | Amount |
|---|---|
| Personal Loans | $52,229,904.86 |
| Share Secured | $2,048,695.11 |
| New Auto | $63,337,849.75 |
| Used Auto | $222,744,483.34 |
| Other Secured | $30,072,435.78 |
| Real Estate | $478,323,013.54 |
| Real Estate 2nd Lien | $25,160,093.36 |
| Workout Loans | $0.00 |
| Credit Cards | $32,925,265.85 |
| Misc. - Non-Member | $0.00 |
| TOTAL LOANS | $906,841,741.59 |
| Less: Allowance for Losses | -$10,544,837.00 |
| NET | $896,296,904.59 |
| ACCOUNTS RECEIVABLE | $527,541.23 |
| CASH ON HAND AND IN BANKS | $5,635,728.28 |
| INVESTMENTS | |
| Mutual Funds | $0.00 |
| S&L/Bank Deposits | $91,093,465.41 |
| Govt. Agency Securities | |
| Federal Agency Securities | $226,036,954.25 |
| NCUA Share Deposit | $7,126,652.31 |
| TOTAL INVESTMENTS | $324,257,071.97 |
| Loans Investments |
$3,348,190.55 $503,663.01 |
| TOTAL ACCRUED INCOME | $3,851,853.56 |
| PREPAID EXPENSES | $894,422.36 |
| FIXED ASSETS | |
| Land Building Furniture & Fixtures |
$2,509,640.93 $4,394,743.35 $1,595,978.04 |
| TOTAL FIXED ASSETS | $8,500,362.32 |
| OTHER ASSETS | $19,599,513.66 |
| TOTAL ASSETS | $1,259,563,397.97 |
Liabilities & Equity
9/30/2026
| LIABILITIES | Amount |
|---|---|
| Accounts Payable | $13,460,363.58 |
| Notes Payable | $0.00 |
| Dividends Payable | $12,407.41 |
| Share Draft | $557.84 |
| Money Market | $169,797.56 |
| Interest on Certificates | $4,310,276.04 |
| IRAs | $49,508.06 |
| HSAs | $1,042.93 |
| TOTAL LIABILITIES | $18,003,953.42 |
| MEMBER EQUITY | |
| Shares | $309,062,401.71 |
| Share Drafts | $149,070,725.13 |
| Money Market Shares | $119,499,610.16 |
| Term Share Accounts | |
| 90 Day | $5,540,934.90 |
| 6 Month | $66,805,959.43 |
| 12 Month | $182,208,561.19 |
| 18 Month | $108,795,839.92 |
| 2 Years | $76,036,457.64 |
| 3 Years | $39,378,361.57 |
| 4 Years | $575,395.55 |
| 5 Years | $2,200,280.31 |
| Total Term Share | $481,541,790.51 |
| IRAs | $21,063,721.02 |
| HSAs | $8,399,606.65 |
| TOTAL DEPOSITS | $1,088,637,855.18 |
| Regular Reserves | $0.00 |
| Capital | $144,973,569.91 |
| Net Income | $7,948,019.46 |
| TOTAL EQUITY | $152,921,589.37 |
| TOTAL LIABILITIES & EQUITY | $1,259,563,397.97 |
Income Statement
9/30/2026
| INCOME | This Month | 2026 Year to Date | Budget | 2025 Year to Date |
|---|---|---|---|---|
| Interest on Loans | $4,772,328.38 | $42,549,790.50 | $41,867,800.00 | $40,498,576.86 |
| Interest on Investments | $752,624.87 | $6,560,198.94 | $6,365,700.00 | $6,720,699.41 |
| Other | $1,439,390.30 | $14,091,284.08 | $12,956,200.00 | $11,617,162.91 |
| TOTAL INCOME | $6,964,343.55 | $63,201,273.52 | $61,189,700.00 | $58,836,439.18 |
| EXPENSES | ||||
| Compensation | $1,253,060.13 | $11,399,830.54 | $11,721,100.00 | $10,667,850.94 |
| Employee Benefits | $297,223.50 | $3,145,629.00 | $3,366,100.00 | $2,973,897.34 |
| Travel & Conference | $45,780.29 | $254,707.28 | $273,500.00 | $201,023.75 |
| Association Dues | -$18,093.42 | $33,452.32 | $56,200.00 | $60,254.90 |
| Office Occupancy | $202,913.42 | $1,710,270.49 | $1,794,700.00 | $1,808,975.22 |
| Office Operations | $396,106.07 | $4,104,342.36 | $4,168,200.00 | $4,352,902.42 |
| Education & Promotion | $93,652.82 | $982,191.51 | $1,312,500.00 | $1,000,702.57 |
| Loan Servicing | $216,698.52 | $1,634,687.96 | $1,570,000.00 | $1,481,876.87 |
| Professional & Outside | $479,345.85 | $4,792,057.36 | $4,558,400.00 | $4,242,565.17 |
| Provision for Loan Losses | $776,009.75 | $7,141,169.50 | $7,819,500.00 | $5,685,724.92 |
| NCUA/Members Ins | $0.00 | $0.00 | $0.00 | $0.00 |
| Fed. Supv/Exam | $11,311.14 | $142,235.29 | $162,900.00 | $185,115.93 |
| Cash Over/Short | -$28.34 | $10,301.60 | $3,800.00 | -$5,911.60 |
| Interest on Borrowed Money | $0.00 | $500,516.53 | $500,500.00 | $4,199,519.27 |
| Annual Meeting | $3,748.93 | $12,128.45 | $20,300.00 | $17,250.03 |
| Misc. Operating | $314,428.22 | $482,794.12 | $727,800.00 | $1,171,091.03 |
| Patronage Dividend | $500,000.00 | $3,100,000.00 | $2,100,000.00 | $2,000,000.00 |
| TOTAL EXPENSES | $4,572,156.88 | $39,446,314.31 | $40,155,500.00 | $40,042,838.76 |
| GAINS(LOSSES) | -$234.86 | -$6,704.86 | -$700.00 | -$129,471.24 |
| INCOME BEFORE DIVIDENDS | $2,391,951.81 | $23,748,254.35 | $21,033,500.00 | $18,664,129.18 |
| COST OF FUNDS | ||||
| LESS SHARE DIVIDENDS | $12,407.41 | $113,198.60 | $115,000.00 | $110,113.65 |
| SHARE DRAFT DIVIDENDS | $557.84 | $5,179.95 | $4,200.00 | $4,806.34 |
| MONEY MARKET DIVIDENDS | $169,797.56 | $1,517,354.74 | $1,592,800.00 | $1,442,201.66 |
| INTEREST ON TERM SHARES | $1,546,983.46 | $13,727,494.18 | $13,499,400.00 | $12,192,165.48 |
| IRA INTEREST | $49,508.06 | $427,834.17 | $441,500.00 | $460,760.86 |
| HSA | $1,042.93 | $9,173.25 | $9,100.00 | $7,644.23 |
| TOTAL COST OF FUNDS | $1,780,297.26 | $15,800,234.89 | $15,662,000.00 | $14,217,692.22 |
| LESS RESERVE TRANSFER | $0.00 | $0.00 | $0.00 | $0.00 |
| NET INCOME | $611,654.55 | $7,948,019.46 | $5,371,500.00 | $4,446,436.96 |