Assets
7/31/2026
| LOANS TO MEMBERS | Amount |
|---|---|
| Personal Loans | $51,804,419.66 |
| Share Secured | $1,998,952.80 |
| New Auto | $63,210,629.89 |
| Used Auto | $223,184,300.17 |
| Other Secured | $30,808,860.83 |
| Real Estate | $469,320,350.88 |
| Real Estate 2nd Lien | $25,038,541.41 |
| Workout Loans | $0.00 |
| Credit Cards | $32,765,788.99 |
| Misc. - Non-Member | $0.00 |
| TOTAL LOANS | $898,131,844.63 |
| Less: Allowance for Losses | -$9,958,241.25 |
| NET | $888,173,603.38 |
| ACCOUNTS RECEIVABLE | $579,179.05 |
| CASH ON HAND AND IN BANKS | $5,264,108.02 |
| INVESTMENTS | |
| Mutual Funds | $0.00 |
| S&L/Bank Deposits | $98,414,032.87 |
| Govt. Agency Securities | |
| Federal Agency Securities | $236,669,786.65 |
| NCUA Share Deposit | $7,107,326.69 |
| TOTAL INVESTMENTS | $342,191,146.21 |
| Loans Investments |
$3,238,726.83 $696,196.48 |
| TOTAL ACCRUED INCOME | $3,934,923.31 |
| PREPAID EXPENSES | $1,054,595.45 |
| FIXED ASSETS | |
| Land Building Furniture & Fixtures |
$2,509,640.93 $4,502,416.55 $1,375,928.06 |
| TOTAL FIXED ASSETS | $8,387,985.54 |
| OTHER ASSETS | $19,208,896.88 |
| TOTAL ASSETS | $1,268,794,437.84 |
Liabilities & Equity
7/31/2026
| LIABILITIES | Amount |
|---|---|
| Accounts Payable | $13,661,423.20 |
| Notes Payable | $0.00 |
| Dividends Payable | $12,808.04 |
| Share Draft | $604.03 |
| Money Market | $171,528.23 |
| Interest on Certificates | $1,574,605.44 |
| IRAs | $47,962.55 |
| HSAs | $1,061.26 |
| TOTAL LIABILITIES | $15,469,992.75 |
| MEMBER EQUITY | |
| Shares | $312,716,232.96 |
| Share Drafts | $150,935,001.57 |
| Money Market Shares | $119,246,821.94 |
| Term Share Accounts | |
| 90 Day | $6,086,441.59 |
| 6 Month | $65,623,580.24 |
| 12 Month | $183,829,461.37 |
| 18 Month | $109,115,805.14 |
| 2 Years | $77,856,271.59 |
| 3 Years | $39,379,551.20 |
| 4 Years | $576,401.75 |
| 5 Years | $2,200,260.01 |
| Total Term Share | $484,667,772.89 |
| IRAs | $20,329,031.25 |
| HSAs | $8,286,426.76 |
| TOTAL DEPOSITS | $1,096,181,287.37 |
| Regular Reserves | $0.00 |
| Capital | $150,348,951.94 |
| Net Income | $6,794,205.78 |
| TOTAL EQUITY | $157,143,157.72 |
| TOTAL LIABILITIES & EQUITY | $1,268,794,437.84 |
Income Statement
7/31/2026
| INCOME | This Month | 2026 Year to Date | Budget | 2025 Year to Date |
|---|---|---|---|---|
| Interest on Loans | $4,908,018.71 | $32,911,407.78 | $32,833,300.00 | $31,238,720.23 |
| Interest on Investments | $723,998.11 | $5,108,790.26 | $4,850,700.00 | $5,158,083.39 |
| Other | $1,496,436.32 | $11,180,352.93 | $9,697,500.00 | $9,071,483.85 |
| TOTAL INCOME | $7,128,453.14 | $49,200,550.97 | $47,381,500.00 | $45,468,287.47 |
| EXPENSES | ||||
| Compensation | $1,228,052.24 | $8,833,284.66 | $9,117,000.00 | $8,270,684.69 |
| Employee Benefits | $321,440.48 | $2,510,501.69 | $2,700,500.00 | $2,304,340.58 |
| Travel & Conference | $19,709.33 | $171,792.94 | $201,200.00 | $145,114.41 |
| Association Dues | $5,878.66 | $44,467.95 | $43,700.00 | $39,692.05 |
| Office Occupancy | $200,915.22 | $1,327,056.99 | $1,429,800.00 | $1,391,381.42 |
| Office Operations | $356,361.96 | $3,119,093.02 | $3,373,100.00 | $3,441,538.61 |
| Education & Promotion | $230,182.24 | $782,227.07 | $1,020,800.00 | $773,346.38 |
| Loan Servicing | $193,209.30 | $1,216,482.59 | $1,196,700.00 | $1,115,559.38 |
| Professional & Outside | $460,065.15 | $3,757,576.24 | $3,545,000.00 | $3,405,764.12 |
| Provision for Loan Losses | $637,400.00 | $5,124,059.75 | $5,696,500.00 | $4,738,851.56 |
| NCUA/Members Ins | $0.00 | $0.00 | $0.00 | $0.00 |
| Fed. Supv/Exam | $15,176.26 | $119,613.01 | $132,200.00 | $145,843.95 |
| Cash Over/Short | $14.06 | $10,353.80 | $3,000.00 | -$6,154.17 |
| Interest on Borrowed Money | $0.00 | $500,516.53 | $500,500.00 | $3,424,140.09 |
| Annual Meeting | $1,047.44 | $7,332.08 | $15,800.00 | $13,416.69 |
| Misc. Operating | $83,052.61 | $94,897.78 | $567,800.00 | $757,953.74 |
| Patronage Dividend | $500,000.00 | $2,600,000.00 | $1,500,000.00 | $1,350,000.00 |
| TOTAL EXPENSES | $4,252,504.95 | $30,219,256.10 | $31,043,600.00 | $31,311,473.50 |
| GAINS(LOSSES) | $0.00 | -$6,255.00 | $3,000.00 | -$4,428.45 |
| INCOME BEFORE DIVIDENDS | $2,875,948.19 | $18,975,039.87 | $16,340,900.00 | $14,152,385.52 |
| COST OF FUNDS | ||||
| LESS SHARE DIVIDENDS | $12,808.04 | $87,920.35 | $89,100.00 | $85,434.15 |
| SHARE DRAFT DIVIDENDS | $604.03 | $4,017.83 | $2,400.00 | $3,755.93 |
| MONEY MARKET DIVIDENDS | $171,528.23 | $1,173,887.86 | $1,304,000.00 | $1,114,449.17 |
| INTEREST ON TERM SHARES | $1,623,028.26 | $10,578,315.96 | $10,383,600.00 | $9,376,637.31 |
| IRA INTEREST | $47,962.55 | $329,628.07 | $350,100.00 | $359,644.80 |
| HSA | $1,061.26 | $7,064.02 | $6,800.00 | $5,853.20 |
| TOTAL COST OF FUNDS | $1,856,992.37 | $12,180,834.09 | $12,136,000.00 | $10,945,774.56 |
| LESS RESERVE TRANSFER | $0.00 | $0.00 | $0.00 | $0.00 |
| NET INCOME | $1,018,955.82 | $6,794,205.78 | $4,204,900.00 | $3,206,610.96 |