Assets
5/31/2026
| LOANS TO MEMBERS | Amount |
|---|---|
| Personal Loans | $51,045,894.02 |
| Share Secured | $2,113,427.10 |
| New Auto | $63,390,234.42 |
| Used Auto | $221,947,314.58 |
| Other Secured | $31,603,115.97 |
| Real Estate | $460,632,781.34 |
| Real Estate 2nd Lien | $24,381,465.95 |
| Workout Loans | $0.00 |
| Credit Cards | $31,974,136.78 |
| Misc. - Non-Member | $0.00 |
| TOTAL LOANS | $887,088,370.16 |
| Less: Allowance for Losses | -$9,643,354.11 |
| NET | $877,445,016.05 |
| ACCOUNTS RECEIVABLE | $591,958.89 |
| CASH ON HAND AND IN BANKS | $5,117,041.51 |
| INVESTMENTS | |
| Mutual Funds | $0.00 |
| S&L/Bank Deposits | $76,282,733.44 |
| Govt. Agency Securities | |
| Federal Agency Securities | $244,433,548.01 |
| NCUA Share Deposit | $7,107,326.69 |
| TOTAL INVESTMENTS | $327,823,608.14 |
| Loans Investments |
$3,400,412.97 $636,803.11 |
| TOTAL ACCRUED INCOME | $4,037,216.08 |
| PREPAID EXPENSES | $1,286,349.86 |
| FIXED ASSETS | |
| Land Building Furniture & Fixtures |
$2,509,640.93 $4,441,446.75 $1,449,339.67 |
| TOTAL FIXED ASSETS | $8,400,427.35 |
| OTHER ASSETS | $19,487,382.96 |
| TOTAL ASSETS | $1,244,189,000.84 |
Liabilities & Equity
5/31/2026
| LIABILITIES | Amount |
|---|---|
| Accounts Payable | $16,641,783.44 |
| Notes Payable | $0.00 |
| Dividends Payable | $13,105.74 |
| Share Draft | $607.88 |
| Money Market | $171,223.51 |
| Interest on Certificates | $2,855,560.99 |
| IRAs | $48,579.60 |
| HSAs | $1,054.99 |
| TOTAL LIABILITIES | $19,731,916.15 |
| MEMBER EQUITY | |
| Shares | $316,593,325.24 |
| Share Drafts | $153,545,295.09 |
| Money Market Shares | $116,066,990.04 |
| Term Share Accounts | |
| 90 Day | $6,310,907.77 |
| 6 Month | $37,166,228.92 |
| 12 Month | $181,787,244.07 |
| 18 Month | $108,088,244.88 |
| 2 Years | $77,520,055.55 |
| 3 Years | $38,982,121.56 |
| 4 Years | $573,043.45 |
| 5 Years | $2,204,069.48 |
| Total Term Share | $452,631,915.68 |
| IRAs | $20,328,714.20 |
| HSAs | $8,279,851.25 |
| TOTAL DEPOSITS | $1,067,446,091.50 |
| Regular Reserves | $0.00 |
| Capital | $152,246,799.03 |
| Net Income | $4,764,194.16 |
| TOTAL EQUITY | $157,010,993.19 |
| TOTAL LIABILITIES & EQUITY | $1,244,189,000.84 |
Income Statement
5/31/2026
| INCOME | This Month | 2026 Year to Date | Budget | 2025 Year to Date |
|---|---|---|---|---|
| Interest on Loans | $4,779,000.62 | $23,312,315.56 | $23,596,700.00 | $22,075,953.65 |
| Interest on Investments | $657,719.21 | $3,682,277.33 | $3,411,000.00 | $3,860,268.52 |
| Other | $2,441,301.73 | $8,251,638.59 | $6,723,500.00 | $6,420,201.67 |
| TOTAL INCOME | $7,878,021.56 | $35,246,231.48 | $33,731,200.00 | $32,356,423.84 |
| EXPENSES | ||||
| Compensation | $1,263,091.70 | $6,324,265.17 | $6,512,500.00 | $5,961,182.97 |
| Employee Benefits | $390,395.90 | $1,855,523.47 | $1,973,100.00 | $1,683,970.51 |
| Travel & Conference | $16,443.09 | $131,371.04 | $137,500.00 | $104,640.12 |
| Association Dues | $8,601.80 | $32,159.57 | $31,200.00 | $28,972.69 |
| Office Occupancy | $167,532.27 | $933,701.05 | $1,039,500.00 | $1,003,682.31 |
| Office Operations | $642,152.22 | $2,279,193.56 | $2,479,600.00 | $2,653,128.92 |
| Education & Promotion | $104,101.03 | $404,060.99 | $729,100.00 | $460,808.57 |
| Loan Servicing | $167,964.24 | $866,913.38 | $841,600.00 | $834,597.68 |
| Professional & Outside | $414,841.46 | $2,785,100.571 | $2,532,000.000 | $2,272,055.91 |
| Provision for Loan Losses | $880,500.00 | $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 | $89,260.49 | $97,500.00 | $106,571.97 |
| Cash Over/Short | -$1,703.88 | -$1,459.26 | $2,000.00 | -$6,412.74 |
| Interest on Borrowed Money | $0.00 | $500,516.53 | $1,005,500.00 | $2,674,556.75 |
| Annual Meeting | $1,047.44 | $5,237.20 | $11,300.00 | $9,583.35 |
| Misc. Operating | $72,838.51 | -$122,405.16 | $406,500.00 | $388,744.84 |
| Patronage Dividend | $500,000.00 | $1,850,000.00 | $1,000,000.00 | $950,000.00 |
| TOTAL EXPENSES | $4,642,982.04 | $21,898,898.35 | $22,661,400.00 | $22,317,766.41 |
| GAINS(LOSSES) | $0.00 | -$6,255.00 | $4,000.00 | -$2,085.83 |
| INCOME BEFORE DIVIDENDS | $3,235,039.525 | $13,341,078.13 | $11,073,800.00 | $10,036,598.60 |
| COST OF FUNDS | ||||
| LESS SHARE DIVIDENDS | $13,105.74 | $62,481.09 | 63,500.00 | $60,626.96 |
| SHARE DRAFT DIVIDENDS | $607.88 | $2,826.83 | $1,200.00 | $2,674.16 |
| MONEY MARKET DIVIDENDS | $171,223.51 | $839,072.25 | $966,400.00 | $788,930.77 |
| INTEREST ON TERM SHARES | $1,519,714.36 | $7,433,172.87 | $7,354,700.00 | $6,594,851.84 |
| IRA INTEREST | $48,579.60 | $234,351.69 | $253,700.00 | $256,138.96 |
| HSA | $1,054.81 | $4,979.24 | $4,700.00 | $4,097.74 |
| TOTAL COST OF FUNDS | $1,754,285.90 | $8,576,883.977 | $8,644,200.00 | $7,707,320.43 |
| LESS RESERVE TRANSFER | $0.00 | $0.00 | $0.00 | $0.00 |
| NET INCOME | $1,480,753.62 | $4,764,194.16 | $2,429,600.00 | $2,329,278.17 |