Assets
6/30/2026
| LOANS TO MEMBERS | Amount |
|---|---|
| Personal Loans | $51,739,430.03 |
| Share Secured | $2,073,613.61 |
| New Auto | $63,450,238.43 |
| Used Auto | $222,837,800.78 |
| Other Secured | $31,439,233.53 |
| Real Estate | $464,373,292.60 |
| Real Estate 2nd Lien | $24,784,262.19 |
| Workout Loans | $0.00 |
| Credit Cards | $32,484,516.92 |
| Misc. - Non-Member | $0.00 |
| TOTAL LOANS | $893,182,388.09 |
| Less: Allowance for Losses | -$9,971,420.54 |
| NET | $883,210,967.55 |
| ACCOUNTS RECEIVABLE | $808,234.19 |
| CASH ON HAND AND IN BANKS | $5,807,962.62 |
| INVESTMENTS | |
| Mutual Funds | $0.00 |
| S&L/Bank Deposits | $95,745,214.45 |
| Govt. Agency Securities | |
| Federal Agency Securities | $242,078,092.26 |
| NCUA Share Deposit | $7,107,326.69 |
| TOTAL INVESTMENTS | $344,930,633.40 |
| Loans Investments |
$3,284,380.78 $640,889.86 |
| TOTAL ACCRUED INCOME | $3,925,270.64 |
| PREPAID EXPENSES | $1,188,482.98 |
| FIXED ASSETS | |
| Land Building Furniture & Fixtures |
$2,509,640.93 $4,388,054.65 $1,490,948.60 |
| TOTAL FIXED ASSETS | $8,388,644.18 |
| OTHER ASSETS | $20,281,294.42 |
| TOTAL ASSETS | $1,268,541,489.98 |
Liabilities & Equity
6/30/2026
| LIABILITIES | Amount |
|---|---|
| Accounts Payable | $14,329,268.45 |
| Notes Payable | $0.00 |
| Dividends Payable | $12,631.22 |
| Share Draft | $586.97 |
| Money Market | $163,287.38 |
| Interest on Certificates | $4,267,190.22 |
| IRAs | $47,313.83 |
| HSAs | $1,023.52 |
| TOTAL LIABILITIES | $18,821,301.59 |
| MEMBER EQUITY | |
| Shares | $312,517,168.55 |
| Share Drafts | $149,030,860.38 |
| Money Market Shares | $116,765,732.55 |
| Term Share Accounts | |
| 90 Day | $6,442,444.48 |
| 6 Month | $67,519,660.08 |
| 12 Month | $182,951,071.92 |
| 18 Month | $108,087,640.72 |
| 2 Years | $77,370,900.05 |
| 3 Years | $38,981,160.72 |
| 4 Years | $573,043.45 |
| 5 Years | $2,189,997.37 |
| Total Term Share | $484,115,918.79 |
| IRAs | $20,501,795.32 |
| HSAs | $8,250,665.49 |
| TOTAL DEPOSITS | $1,091,182,141.08 |
| Regular Reserves | $0.00 |
| Capital | $152,762,797.35 |
| Net Income | $5,775,249.96 |
| TOTAL EQUITY | $158,538,047.31 |
| TOTAL LIABILITIES & EQUITY | $1,268,541,489.98 |
Income Statement
6/30/2026
| INCOME | This Month | 2026 Year to Date | Budget | 2025 Year to Date |
|---|---|---|---|---|
| Interest on Loans | $4,691,073.51 | $28,003,389.07 | $28,316,100.00 | $26,533,204.50 |
| Interest on Investments | $702,514.82 | $4,384,792.15 | $4,093,200.00 | $4,461,939.87 |
| Other | $1,432,278.02 | $9,683,916.61 | $8,068,200.00 | $7,675,493.07 |
| TOTAL INCOME | $6,825,866.35 | $42,072,097.83 | $40,477,500.00 | $38,670,637.44 |
| EXPENSES | ||||
| Compensation | $1,280,967.25 | $7,605,232.42 | $7,814,900.00 | $7,157,321.63 |
| Employee Benefits | $333,537.74 | $2,189,061.21 | $2,367,700.00 | $2,002,708.05 |
| Travel & Conference | $20,712.57 | $152,083.61 | $165,000.00 | $127,051.55 |
| Association Dues | $6,429.72 | $38,589.29 | $37,500.00 | $35,034.65 |
| Office Occupancy | $192,440.72 | $1,126,141.77 | $1,247,400.00 | $1,206,673.84 |
| Office Operations | $483,537.50 | $2,762,731.06 | $2,975,600.00 | $3,049,388.09 |
| Education & Promotion | $147,983.84 | $552,044.83 | $874,900.00 | $623,276.06 |
| Loan Servicing | $156,359.91 | $1,023,273.29 | $1,010,000.00 | $977,508.39 |
| Professional & Outside | $512,410.52 | $3,297,511.09 | $3,038,400.00 | $2,804,497.65 |
| Provision for Loan Losses | $521,200.00 | $4,486,659.75 | $4,635,000.00 | $4,238,851.56 |
| NCUA/Members Ins | $0.00 | $0.00 | $0.00 | $0.00 |
| Fed. Supv/Exam | $15,176.26 | $104,436.75 | $116,900.00 | $126,207.96 |
| Cash Over/Short | $11,799.00 | $10,339.74 | $2,500.00 | -$6,166.13 |
| Interest on Borrowed Money | $0.00 | $500,516.53 | $1,206,600.00 | $3,048,160.92 |
| Annual Meeting | $1,047.44 | $6,284.64 | $13,500.00 | $11,500.02 |
| Misc. Operating | $134,250.33 | $11,845.17 | $487,800.00 | $671,014.66 |
| Patronage Dividend | $250,000.00 | $2,100,000.00 | $1,200,000.00 | $950,000.00 |
| TOTAL EXPENSES | $4,067,852.80 | $25,966,751.15 | $27,193,700.00 | $27,023,028.90 |
| GAINS(LOSSES) | $0.00 | -$6,255.00 | $4,800.00 | -$2,357.03 |
| INCOME BEFORE DIVIDENDS | $2,758,013.55 | $16,099,091.68 | $13,288,600.00 | $11,645,251.51 |
| COST OF FUNDS | ||||
| LESS SHARE DIVIDENDS | $12,631.22 | $75,112.31 | $76,200.00 | $72,974.36 |
| SHARE DRAFT DIVIDENDS | $586.97 | $3,413.80 | $1,500.00 | $3,203.67 |
| MONEY MARKET DIVIDENDS | $163,287.38 | $1,002,359.63 | $1,159,600.00 | $947,712.40 |
| INTEREST ON TERM SHARES | $1,522,114.83 | $8,955,287.70 | $8,825,700.00 | $7,953,348.91 |
| IRA INTEREST | $47,313.83 | $281,665.52 | $304,400.00 | $308,000.08 |
| HSA | $1,023.52 | $6,002.76 | $5,700.00 | $4,958.80 |
| TOTAL COST OF FUNDS | $1,746,957.75 | $10,323,841.72 | $10,373,100.00 | $9,290,198.22 |
| LESS RESERVE TRANSFER | $0.00 | $0.00 | $0.00 | $0.00 |
| NET INCOME | $1,011,055.80 | $5,775,249.96 | $2,915,500.00 | $2,355,053.29 |