Assets
2/28/2026
| LOANS TO MEMBERS | Amount |
|---|---|
| Personal Loans | $51,896,820.34 |
| Share Secured | $2,148,153.33 |
| New Auto | $66,279,918.57 |
| Used Auto | $223,846,029.81 |
| Other Secured | $32,481,570.45 |
| Real Estate | $444,246,581.50 |
| Real Estate 2nd Lien | $23,734,609.11 |
| Workout Loans | $0.00 |
| Credit Cards | $31,920,697.91 |
| Misc. - Non-Member | $0.00 |
| TOTAL LOANS | $876,554,381.02 |
| Less: Allowance for Losses | -$8,584,584.30 |
| NET | $867,969,796.72 |
| ACCOUNTS RECEIVABLE | $667,934.08 |
| CASH ON HAND AND IN BANKS | $5,427,773.04 |
| INVESTMENTS | |
| Mutual Funds | $0.00 |
| S&L/Bank Deposits | $93,490,169.02 |
| Govt. Agency Securities | |
| Federal Agency Securities | $257,008,488.13 |
| NCUA Share Deposit | $7,107,326.69 |
| TOTAL INVESTMENTS | $357,605,983.84 |
| Loans Investments |
$3,013,959.80 $752,073.04 |
| TOTAL ACCRUED INCOME | $3,766,032.84 |
| PREPAID EXPENSES | $1,038,773.86 |
| FIXED ASSETS | |
| Land Building Furniture & Fixtures |
$2,509,640.93 $4,416,592.57 $1,225,423.51 |
| TOTAL FIXED ASSETS | $8,151,657.01 |
| OTHER ASSETS | $17,712,156.52 |
| TOTAL ASSETS | $1,262,340,107.91 |
Liabilities & Equity
2/28/2026
| LIABILITIES | Amount |
|---|---|
| Accounts Payable | $12,713,371.52 |
| Notes Payable | $30,000,000.00 |
| Dividends Payable | $11,441.86 |
| Share Draft | $506.54 |
| Money Market | $157,100.95 |
| Interest on Certificates | $2,743,384.87 |
| IRAs | $43,181.90 |
| HSAs | $912.80 |
| TOTAL LIABILITIES | $45,669,900.44 |
| MEMBER EQUITY | |
| Shares | $310,238,764.51 |
| Share Drafts | $151,391,536.28 |
| Money Market Shares | $118,450,647.20 |
| Term Share Accounts | |
| 90 Day | $6,598,348.83 |
| 6 Month | $26,266,282.98 |
| 12 Month | $188,729,566.59 |
| 18 Month | $108,796,881.35 |
| 2 Years | $77,352,662.03 |
| 3 Years | $38,574,203.70 |
| 4 Years | $573,729.52 |
| 5 Years | $2,355,253.89 |
| Total Term Share | $449,246,928.89 |
| IRAs | $20,371,571.72 |
| HSAs | $8,054,868.63 |
| TOTAL DEPOSITS | $1,057,754,317.23 |
| Regular Reserves | $0.00 |
| Capital | $57,327,748.68 |
| Net Income | $1,588,141.56 |
| TOTAL EQUITY | $158,915,890.24 |
| TOTAL LIABILITIES & EQUITY | $1,262,340,107.91 |
Income Statement
2/28/2026
| INCOME | This Month | 2026 Year to Date | Budget | 2025 Year to Date |
|---|---|---|---|---|
| Interest on Loans | $4,405,290.27 | $9,130,040.26 | $9,438,700.00 | $8,528,200.01 |
| Interest on Investments | $723,690.02 | $1,482,365.88 | $1,364,400.00 | $1,474,800.43 |
| Other | $1,662,328.47 | $2,919,477.07 | $2,689,400.00 | $2,350,006.24 |
| TOTAL INCOME | $6,791,308.76 | $13,531,883.21 | $13,492,500.00 | $12,353,006.68 |
| EXPENSES | ||||
| Compensation | $1,294,851.60 | $2,544,140.76 | $2,605,000.00 | $2,432,335.74 |
| Employee Benefits | $338,277.05 | $773,927.12 | $789,200.00 | $722,759.39 |
| Travel & Conference | $45,842.19 | $53,362.47 | $55,000.00 | $37,374.50 |
| Association Dues | $6,337.77 | $10,702.67 | $12,500.00 | $14,593.86 |
| Office Occupancy | $190,389.29 | $375,720.88 | $415,800.00 | $370,551.60 |
| Office Operations | $380,709.32 | $758,319.65 | $991,800.00 | $858,087.93 |
| Education & Promotion | $71,344.13 | $138,827.26 | $291,600.00 | $105,168.26 |
| Loan Servicing | $137,366.86 | $320,630.68 | $336,600.00 | $313,770.87 |
| Professional & Outside | $559,163.57 | $1,127,831.02 | $1,012,800.00 | $897,866.87 |
| Provision for Loan Losses | $754,500.00 | $1,354,500.00 | $1,545,000.00 | $1,050,000.00 |
| NCUA/Members Ins | $0.00 | $0.00 | $0.00 | $0.00 |
| Fed. Supv/Exam | $19,635.99 | $39,271.98 | $39,000.00 | $44,866.66 |
| Cash Over/Short | $195.95 | $271.40 | $800.00 | -$1,171.08 |
| Interest on Borrowed Money | $141,166.67 | $292,661.12 | $402,200.00 | $1,245,613.59 |
| Annual Meeting | $1,047.44 | $2,094.88 | $4,500.00 | $3,833.34 |
| Misc. Operating | $72,864.29 | $145,229.35 | $162,600.00 | -$120,205.29 |
| Patronage Dividend | $300,000.00 | $650,000.00 | $400,000.00 | $300,000.00 |
| TOTAL EXPENSES | $4,313,692.12 | $8,587,491.24 | $9,064,400.00 | $8,275,446.24 |
| GAINS(LOSSES) | -$3,131.00 | -$3,131.00 | $1,600.00 | -$1,974.00 |
| INCOME BEFORE DIVIDENDS | $2,474,485.64 | $4,941,260.97 | $4,429,700.00 | $4,075,586.44 |
| COST OF FUNDS | ||||
| LESS SHARE DIVIDENDS | $11,441.86 | $23,825.31 | $25,400.00 | $22,969.41 |
| SHARE DRAFT DIVIDENDS | $506.54 | $1,060.61 | $500.00 | $984.76 |
| MONEY MARKET DIVIDENDS | $157,100.95 | $328,478.87 | $386,500.00 | $304,132.65 |
| INTEREST ON TERM SHARES | $1,373,219.98 | $2,906,866.48 | $2,941,900.00 | $2,520,383.74 |
| IRA INTEREST | $43,181.90 | $91,000.28 | $101,500.00 | $99,738.07 |
| HSA | $912.80 | $1,887.86 | $1,900.00 | $1,521.76 |
| TOTAL COST OF FUNDS | $1,586,364.03 | $3,353,119.41 | $3,457,700.00 | $2,949,730.39 |
| LESS RESERVE TRANSFER | $0.00 | $0.00 | $0.00 | $0.00 |
| NET INCOME | $888,121.61 | $1,588,141.56 | $972,000.00 | $1,125,856.05 |