Assets
8/31/2026
| LOANS TO MEMBERS | Amount |
|---|---|
| Personal Loans | $52,434,276.77 |
| Share Secured | $1,982,272.70 |
| New Auto | $63,222,764.58 |
| Used Auto | $222,867,095.66 |
| Other Secured | $30,560,577.55 |
| Real Estate | $472,819,516.55 |
| Real Estate 2nd Lien | $25,291,674.63 |
| Workout Loans | $0.00 |
| Credit Cards | $32,910,657.27 |
| Misc. - Non-Member | $0.00 |
| TOTAL LOANS | $902,088,835.71 |
| Less: Allowance for Losses | -$10,513,150.68 |
| NET | $891,575,685.03 |
| ACCOUNTS RECEIVABLE | $530,944.90 |
| CASH ON HAND AND IN BANKS | $5,014,258.52 |
| INVESTMENTS | |
| Mutual Funds | $0.00 |
| S&L/Bank Deposits | $91,696,255.59 |
| Govt. Agency Securities | |
| Federal Agency Securities | $234,308,146.14 |
| NCUA Share Deposit | $7,126,652.31 |
| TOTAL INVESTMENTS | $333,131,054.04 |
| Loans Investments |
$3,358,724.91 $747,614.48 |
| TOTAL ACCRUED INCOME | $4,106,339.39 |
| PREPAID EXPENSES | $911,377.60 |
| FIXED ASSETS | |
| Land Building Furniture & Fixtures |
$2,509,640.93 $4,448,579.95 $1,539,904.70 |
| TOTAL FIXED ASSETS | $8,498,125.58 |
| OTHER ASSETS | $19,908,774.63 |
| TOTAL ASSETS | $1,263,676,559.69 |
Liabilities & Equity
8/31/2026
| LIABILITIES | Amount |
|---|---|
| Accounts Payable | 13,126,096.12 |
| Notes Payable | $0.00 |
| Dividends Payable | $12,870.84 |
| Share Draft | $604.28 |
| Money Market | $173,669.32 |
| Interest on Certificates | $2,953,288.40 |
| IRAs | $48,698.04 |
| HSAs | $1,066.30 |
| TOTAL LIABILITIES | $16,316,293.30 |
| MEMBER EQUITY | |
| Shares | $312,724,774.67 |
| Share Drafts | $145,736,526.91 |
| Money Market Shares | $118,866,682.39 |
| Term Share Accounts | |
| 90 Day | $5,289,610.73 |
| 6 Month | $66,906,159.84 |
| 12 Month | $182,881,523.43 |
| 18 Month | $108,723,834.15 |
| 2 Years | $76,742,592.94 |
| 3 Years | $39,377,361.57 |
| 4 Years | $576,401.75 |
| 5 Years | $2,212,827.29 |
| Total Term Share | $482,710,311.70 |
| IRAs | $21,026,035.13 |
| HSAs | $8,333,869.54 |
| TOTAL DEPOSITS | $1,089,398,200.34 |
| Regular Reserves | $0.00 |
| Capital | $150,625,701.14 |
| Net Income | $7,336,364.91 |
| TOTAL EQUITY | $157,962,066.05 |
| TOTAL LIABILITIES & EQUITY | 1,263,676,559.69 |
Income Statement
8/31/2026
| INCOME | This Month | 2026 Year to Date | Budget | 2025 Year to Date |
|---|---|---|---|---|
| Interest on Loans | $4,866,054.34 | $37,777,462.12 | $37,350,600.00 | $35,930,792.08 |
| Interest on Investments | $698,783.81 | $5,807,574.07 | $5,608,200.00 | $5,871,575.68 |
| Other | $1,471,540.85 | $12,651,893.78 | $11,326,900.00 | $10,330,534.53 |
| TOTAL INCOME | $7,036,379.00 | $56,236,929.97 | $54,285,700.00 | $52,132,902.29 |
| EXPENSES | ||||
| Compensation | $1,313,485.75 | $10,146,770.41 | $10,419,000.00 | $9,459,847.71 |
| Employee Benefits | $337,903.81 | $2,848,405.50 | $3,033,300.00 | $2,648,840.37 |
| Travel & Conference | $37,134.05 | $208,926.99 | $237,300.00 | $169,525.37 |
| Association Dues | $7,077.79 | $51,545.74 | $50,000.00 | $45,715.03 |
| Office Occupancy | $180,300.082 | $1,507,357.07 | $1,612,300.00 | $1,606,051.05 |
| Office Operations | $589,143.27 | $3,708,236.29 | $3,770,600.00 | $3,915,066.01 |
| Education & Promotion | $106,311.62 | $888,538.69 | $1,166,600.00 | $869,766.52 |
| Loan Servicing | $201,506.85 | $1,417,989.44 | $1,383,300.00 | $1,299,485.17 |
| Professional & Outside | $555,135.27 | $4,312,711.51 | $4,051,700.00 | $3,883,703.60 |
| Provision for Loan Losses | $1,241,100.00 | $6,365,159.75 | $6,758,000.00 | $5,188,851.56 |
| NCUA/Members Ins | $0.00 | $0.00 | $0.00 | $0.00 |
| Fed. Supv/Exam | $11,311.14 | $130,924.15 | $147,600.00 | $165,479.94 |
| Cash Over/Short | -$23.86 | $10,329.94 | $3,400.00 | -$5,912.96 |
| Interest on Borrowed Money | $0.00 | $500,516.53 | $500,500.00 | $3,843,919.26 |
| Annual Meeting | $1,047.44 | $8,379.52 | $18,000.00 | $15,333.36 |
| Misc. Operating | $73,468.12 | $168,365.90 | $647,800.00 | $844,592.80 |
| Patronage Dividend | $0.00 | $2,600,000.00 | $1,800,000.00 | $1,550,000.00 |
| TOTAL EXPENSES | $4,654,901.33 | $34,874,157.43 | $35,599,400.00 | $35,500,264.79 |
| GAINS(LOSSES) | -$215.00 | -$6,470.00 | $1,100.00 | -$129,471.24 |
| INCOME BEFORE DIVIDENDS | $2,381,262.67 | $21,356,302.54 | $18,687,400.00 | $16,503,166.26 |
| COST OF FUNDS | ||||
| LESS SHARE DIVIDENDS | $12,870.84 | $100,791.19 | $102,100.00 | $97,894.38 |
| SHARE DRAFT DIVIDENDS | $604.28 | $4,622.11 | $3,300.00 | $4,292.07 |
| MONEY MARKET DIVIDENDS | $173,669.32 | $1,347,557.18 | $1,448,400.00 | $1,281,784.98 |
| INTEREST ON TERM SHARES | $1,602,194.76 | $12,180,510.72 | $11,941,500.00 | $10,765,850.36 |
| IRA INTEREST | $48,698.04 | $378,326.11 | $395,800.00 | $411,031.97 |
| HSA | $1,066.30 | $8,130.32 | $8,000.00 | $6,757.48 |
| TOTAL COST OF FUNDS | $1,839,103.54 | $14,019,937.63 | $13,899,100.00 | $12,567,611.24 |
| LESS RESERVE TRANSFER | $0.00 | $0.00 | $0.00 | $0.00 |
| NET INCOME | $542,159.13 | $7,336,364.91 | $4,788,300.00 | $3,935,555.02 |