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| 2024-03-31 |
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| Complex credit unions, as defined in section 702.103 of the NCUA's regulations, that did not opt in to CCULR must complete this schedule. |
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| PART I - NUMERATOR |
|
| EQUITY |
|
| Undivided Earnings | 371,284,160 |
| Appropriation for Non-Conforming Investments | 0 |
| Other Reserves | 0 |
| Equity acquired in merger | 0 |
| Net Income | 0 |
| Total Equity (Sum of Accounts 940, 668, 658, 658A, and 602) | 371,284,160 |
| ADDITIONS |
|
| Allowance for Credit Losses (Sum of Accounts 719, AS0048, AS0041, and LI0003) | 38,428,038 |
| Subordinated Debt in accordance with 702.407 | 0 |
| Section 208 Assistance included in net worth as defined in 702.2 | 0 |
| Total Additions (Sum of Accounts RB0002, RB0003, and RB0004) | 38,428,038 |
| DEDUCTIONS |
|
| NCUSIF capitalization deposit | 28,079,856 |
| Goodwill | 0 |
| Less: Excluded Goodwill | 0 |
| Other intangible assets | 0 |
| Less: Excluded intangible assets | 0 |
| Identified losses not reflected in the risk-based capital numerator | 0 |
| Total Deductions (Sum of Accounts 794, 009D2, AS0032, and RB0008 less RB0006 and RB0007) | 28,079,856 |
| TOTAL RISK-BASED CAPITAL NUMERATOR BEFORE MORTGAGE SERVICING ASSETS DEDUCTION (Sum of Accounts RB0001 plus RB0005 minus RB0009) | 381,632,342 |
| Less: Mortgage Servicing Assets (reported in Account 779 on page 2) that exceed 25% of RB0010 | 0 |
| TOTAL RISK-BASED CAPITAL NUMERATOR ( Account RB0010 less Account RB0011) | 381,632,342 |
| PART II - DENOMINATOR |
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| ON-BALANCE SHEET ASSETS |
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| Cash and Deposits in Financial Institutions or Reserve Banks Totals from Schedules | 399,774,308 |
| Cash and Deposits in Financial Institutions or Reserve Banks Adjustments to Totals | 0 |
| Cash and Deposits in Financial Institutions or Reserve Banks Totals for Risk-Weighting | 399,774,308 |
| Cash and Deposits in Financial Institutions or Reserve Banks 0% Risk Weight (%) Category and Asset Allocations | 371,820,415 |
| Cash and Deposits in Financial Institutions or Reserve Banks 20% Risk Weight (%) Category and Asset Allocations | 27,953,893 |
| Cash and Deposits in Financial Institutions or Reserve Banks 100% Risk Weight (%) Category and Asset Allocations | 0 |
| INVESTMENTS |
|
| Securities Totals from Schedules | 488,150,288 |
| Securities Adjustments to Totals | 0 |
| Securities Totals for Risk-Weighting | 488,150,288 |
| Securities 0% Risk Weight (%) Category and Asset Allocations | 236,407,903 |
| Securities 20% Risk Weight (%) Category and Asset Allocations | 251,742,385 |
| Securities 50% Risk Weight (%) Category and Asset Allocations | 0 |
| Securities 100% Risk Weight (%) Category and Asset Allocations | 0 |
| Securities 300% Risk Weight (%) Category and Asset Allocations | 0 |
| Securities 1250% Risk Weight (%) Category and Asset Allocations | 0 |
| Securities Alternative Risk Weights - Risk Weight | 0 |
| Securities Alternative Risk Weights - Asset Amount | 0 |
| Other Investments Totals from Schedules | 8,731,700 |
| Other Investments Adjustments to Totals | 0 |
| Other Investments Totals for Risk-Weighting | 8,731,700 |
| Other Investments 0% Risk Weight (%) Category and Asset Allocations | 0 |
| Other Investments 20% Risk Weight (%) Category and Asset Allocations | 8,731,700 |
| Other Investments 100% Risk Weight (%) Category and Asset Allocations | 0 |
| Other Investments 150% Risk Weight (%) Category and Asset Allocations | 0 |
| Other Investments 300% Risk Weight (%) Category and Asset Allocations | 0 |
| Other Investments 400% Risk Weight (%) Category and Asset Allocations | 0 |
| Other Investments 1250% Risk Weight (%) Category and Asset Allocations | 0 |
| Other Investments Alternative Risk Weights - Risk Weight | 0 |
| Other Investments Alternative Risk Weights - Asset Amount | 0 |
| Total Investments Totals from Schedules | 496,881,988 |
| Total Investments Adjustments to Totals | 0 |
| Total Investments Totals for Risk-Weighting | 496,881,988 |
| Total Investments 0% Risk Weight (%) Category and Asset Allocations | 236,407,903 |
| Total Investments 20% Risk Weight (%) Category and Asset Allocations | 260,474,085 |
| Total Investments 50% Risk Weight (%) Category and Asset Allocations | 0 |
| Total Investments 100% Risk Weight (%) Category and Asset Allocations | 0 |
| Total Investments 150% Risk Weight (%) Category and Asset Allocations | 0 |
| Total Investments 300% Risk Weight (%) Category and Asset Allocations | 0 |
| Total Investments 400% Risk Weight (%) Category and Asset Allocations | 0 |
| Total Investments 1250% Risk Weight (%) Category and Asset Allocations | 0 |
| Total Investments Alternative Risk Weights - Asset Amount | 0 |
| LOANS |
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| First Lien Residential Real Estate Loans Totals from Schedules | 838,685,276 |
| First Lien Residential Real Estate Loans Adjustments to Totals | 0 |
| First Lien Residential Real Estate Loans Totals for Risk-Weighting | 838,685,276 |
| First Lien Residential Real Estate Loans 50% Risk Weight (%) Category and Asset Allocations | 834,938,642 |
| First Lien Residential Real Estate Loans 75% Risk Weight (%) Category and Asset Allocations | 0 |
| First Lien Residential Real Estate Loans 100% Risk Weight (%) Category and Asset Allocations | 3,746,634 |
| Junior-Lien Residential Real Estate Loans Totals from Schedules | 97,158,124 |
| Junior-Lien Residential Real Estate Loans Adjustments to Totals | 0 |
| Junior-Lien Residential Real Estate Loans Totals for Risk-Weighting | 97,158,124 |
| Junior-Lien Residential Real Estate Loans 100% Risk Weight (%) Category and Asset Allocations | 96,832,959 |
| Junior-Lien Residential Real Estate Loans 150% Risk Weight (%) Category and Asset Allocations | 325,165 |
| Consumer Loans Totals from Schedules | 1,572,773,282 |
| Consumer Loans Adjustments to Totals | 0 |
| Consumer Loans Totals for Risk-Weighting | 1,572,773,282 |
| Consumer Loans 0% Risk Weight (%) Category and Asset Allocations | 9,924,053 |
| Consumer Loans 20% Risk Weight (%) Category and Asset Allocations | 0 |
| Consumer Loans 75% Risk Weight (%) Category and Asset Allocations | 1,427,367,219 |
| Consumer Loans 100% Risk Weight (%) Category and Asset Allocations | 130,463,944 |
| Consumer Loans 150% Risk Weight (%) Category and Asset Allocations | 5,018,066 |
| Commercial Loans Totals from Schedules | 134,698,069 |
| Commercial Loans Adjustments to Totals | 0 |
| Commercial Loans Totals for Risk-Weighting | 134,698,069 |
| Commercial Loans 0% Risk Weight (%) Category and Asset Allocations | 20,641 |
| Commercial Loans 20% Risk Weight (%) Category and Asset Allocations | 0 |
| Commercial Loans 100% Risk Weight (%) Category and Asset Allocations | 134,677,428 |
| Commercial Loans 150% Risk Weight (%) Category and Asset Allocations | 0 |
| Loans held for sale Totals from Schedules | 0 |
| Loans held for sale Adjustments to Totals | 0 |
| Less: Allowance for Credit Losses (Loans) Totals from Schedules | 38,417,037 |
| Less: Allowance for Credit Losses (Loans) Adjustments to Totals | 0 |
| Less: Allowance for Credit Losses (Loans) Totals for Risk-Weighting | 38,417,037 |
| Less: Allowance for Credit Losses (Loans) 0% Risk Weight (%) Category and Asset Allocations | 38,417,037 |
| Total Loans Totals from Schedules | 2,604,897,714 |
| Total Loans Adjustments to Totals | 0 |
| Total Loans Totals for Risk-Weighting | 2,604,897,714 |
| Total Loans 0% Risk Weight (%) Category and Asset Allocations | (28,472,343) |
| Total Loans 20% Risk Weight (%) Category and Asset Allocations | 0 |
| Total Loans 50% Risk Weight (%) Category and Asset Allocations | 834,938,642 |
| Total Loans 75% Risk Weight (%) Category and Asset Allocations | 1,427,367,219 |
| Total Loans 100% Risk Weight (%) Category and Asset Allocations | 365,720,965 |
| Total Loans 150% Risk Weight (%) Category and Asset Allocations | 5,343,231 |
| Other Assets Totals from Schedules | 219,132,350 |
| Other Assets Adjustments to Totals | 0 |
| Other Assets Totals for Risk-Weighting | 219,132,350 |
| Other Assets 0% Risk Weight (%) Category and Asset Allocations | 28,079,856 |
| Other Assets 100% Risk Weight (%) Category and Asset Allocations | 190,661,897 |
| Other Assets 150% Risk Weight (%) Category and Asset Allocations | 0 |
| Other Assets 250% Risk Weight (%) Category and Asset Allocations | 390,597 |
| Other Assets 300% Risk Weight (%) Category and Asset Allocations | 0 |
| Other Assets 1250% Risk Weight (%) Category and Asset Allocations | 0 |
| Other Assets Alternative Risk Weights - Risk Weight | 0 |
| Other Assets Alternative Risk Weights - Asset Amount | 0 |
| Total On-Balance Sheet Assets by Risk Totals from Schedules | 3,720,686,360 |
| Total On-Balance Sheet Assets by Risk Totals for Risk-Weighting | 3,720,686,360 |
| Total On-Balance Sheet Assets by Risk 0% Risk Weight (%) Category and Asset Allocations | 607,835,831 |
| Total On-Balance Sheet Assets by Risk 20% Risk Weight (%) Category and Asset Allocations | 288,427,978 |
| Total On-Balance Sheet Assets by Risk 50% Risk Weight (%) Category and Asset Allocations | 834,938,642 |
| Total On-Balance Sheet Assets by Risk 75% Risk Weight (%) Category and Asset Allocations | 1,427,367,219 |
| Total On-Balance Sheet Assets by Risk 100% Risk Weight (%) Category and Asset Allocations | 556,382,862 |
| Total On-Balance Sheet Assets by Risk 150% Risk Weight (%) Category and Asset Allocations | 5,343,231 |
| Total On-Balance Sheet Assets by Risk 250% Risk Weight (%) Category and Asset Allocations | 390,597 |
| Total On-Balance Sheet Assets by Risk 300% Risk Weight (%) Category and Asset Allocations | 0 |
| Total On-Balance Sheet Assets by Risk 400% Risk Weight (%) Category and Asset Allocations | 0 |
| Total On-Balance Sheet Assets by Risk 1250% Risk Weight (%) Category and Asset Allocations | 0 |
| Total On-Balance Sheet Assets by Risk Alternative Risk Weights - Asset Amount | 0 |
| Total Risk-Weighted Assets - On Balance Sheet Totals from Schedules | 2,111,054,532 |
| Total Risk-Weighted Assets - On Balance Sheet 20% Risk Weight (%) Category and Asset Allocations | 57,685,596 |
| Total Risk-Weighted Assets - On Balance Sheet 50% Risk Weight (%) Category and Asset Allocations | 417,469,321 |
| Total Risk-Weighted Assets - On Balance Sheet 75% Risk Weight (%) Category and Asset Allocations | 1,070,525,414 |
| Total Risk-Weighted Assets - On Balance Sheet 100% Risk Weight (%) Category and Asset Allocations | 556,382,862 |
| Total Risk-Weighted Assets - On Balance Sheet 150% Risk Weight (%) Category and Asset Allocations | 8,014,847 |
| Total Risk-Weighted Assets - On Balance Sheet 250% Risk Weight (%) Category and Asset Allocations | 976,493 |
| Total Risk-Weighted Assets - On Balance Sheet 300% Risk Weight (%) Category and Asset Allocations | 0 |
| Total Risk-Weighted Assets - On Balance Sheet 400% Risk Weight (%) Category and Asset Allocations | 0 |
| Total Risk-Weighted Assets - On Balance Sheet 1250% Risk Weight (%) Category and Asset Allocations | 0 |
| Total Risk-Weighted Assets - On Balance Sheet Alternative Risk Weights - Asset Amount | 0 |
| PART III - DENOMINATOR |
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| Off-Balance Sheet and Derivative Exposures |
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| Total Conditionally Cancelable Unfunded Commitments: |
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| Unfunded Commitment - Commercial loans (Totals for Risk-Weighting) | 1,755,277 |
| Credit Conversion Factor 50% |
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| Unfunded Commitment - Commercial loans (Credit Equivalent Amount) | 877,639 |
| Unfunded Commitment - Commercial loans (100% Credit Equivalent Risk Weight Allocations) | 877,639 |
| Unfunded Commitment - Consumer Loans - Secured and RE (Totals for Risk-Weighting) | 65,332,697 |
| Credit Conversion Factor 10% |
|
| Unfunded Commitment - Consumer Loans - Secured and RE (Credit Equivalent Amount) | 6,533,270 |
| Unfunded Commitment - Consumer Loans - Secured and RE (50% Credit Equivalent Risk Weight Allocations) | 0 |
| Unfunded Commitment - Consumer Loans - Secured and RE (75% Credit Equivalent Risk Weight Allocations) | 0 |
| Unfunded Commitment - Consumer Loans - Secured and RE (100% Credit Equivalent Risk Weight Allocations) | 6,533,270 |
| Unfunded Commitment - Consumer Loans - Unsecured (Totals for Risk-Weighting) | 0 |
| Credit Conversion Factor 10% |
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| Unfunded Commitment - Consumer Loans - Unsecured (Credit Equivalent Amount) | 0 |
| Unfunded Commitment - Consumer Loans - Unsecured (100% Credit Equivalent Risk Weight Allocations) | 0 |
| Federal Home Loan Bank under the MPF program (Totals for Risk-Weighting) | 0 |
| Credit Conversion Factor 20% |
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| Federal Home Loan Bank under the MPF program (Credit Equivalent Amount) | 0 |
| Federal Home Loan Bank under the MPF program (50% Credit Equivalent Risk Weight Allocations) | 0 |
| All other off-balance sheet exposures (Totals for Risk-Weighting) | 0 |
| Credit Conversion Factor 100% |
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| All other off-balance sheet exposures (Credit Equivalent Amount) | 0 |
| All other off-balance sheet exposures (50% Credit Equivalent Risk Weight Allocations) | 0 |
| All other off-balance sheet exposures (75% Credit Equivalent Risk Weight Allocations) | 0 |
| All other off-balance sheet exposures (100% Credit Equivalent Risk Weight Allocations) | 0 |
| All other off-balance sheet exposures (Alternative Risk Weights (Risk Weight)) | 0 |
| All other off-balance sheet exposures (Alternative Risk Weights (Exposure Amount)) | 0 |
| Over-the-counter derivatives (Credit Equivalent Amount) | 0 |
| Over-the-counter derivatives (0% Credit Equivalent Risk Weight Allocations) | 0 |
| Over-the-counter derivatives (2% Credit Equivalent Risk Weight Allocations) | 0 |
| Over-the-counter derivatives (4% Credit Equivalent Risk Weight Allocations) | 0 |
| Over-the-counter derivatives (20% Credit Equivalent Risk Weight Allocations) | 0 |
| Over-the-counter derivatives (50% Credit Equivalent Risk Weight Allocations) | 0 |
| Over-the-counter derivatives (75% Credit Equivalent Risk Weight Allocations) | 0 |
| Over-the-counter derivatives (100% Credit Equivalent Risk Weight Allocations) | 0 |
| Centrally cleared derivatives (Credit Equivalent Amount) | 0 |
| Centrally cleared derivatives (0% Credit Equivalent Risk Weight Allocations) | 0 |
| Centrally cleared derivatives (2% Credit Equivalent Risk Weight Allocations) | 0 |
| Centrally cleared derivatives (4% Credit Equivalent Risk Weight Allocations) | 0 |
| Centrally cleared derivatives (20% Credit Equivalent Risk Weight Allocations) | 0 |
| TOTAL OFF-BALANCE SHEET AND DERIVATIVE CREDIT EQUIVALENT (Credit Equivalent Amount) | 7,410,909 |
| TOTAL OFF-BALANCE SHEET AND DERIVATIVE CREDIT EQUIVALENT (0% Credit Equivalent Risk Weight Allocations) | 0 |
| TOTAL OFF-BALANCE SHEET AND DERIVATIVE CREDIT EQUIVALENT (2% Credit Equivalent Risk Weight Allocations) | 0 |
| TOTAL OFF-BALANCE SHEET AND DERIVATIVE CREDIT EQUIVALENT (4% Credit Equivalent Risk Weight Allocations) | 0 |
| TOTAL OFF-BALANCE SHEET AND DERIVATIVE CREDIT EQUIVALENT (20% Credit Equivalent Risk Weight Allocations) | 0 |
| TOTAL OFF-BALANCE SHEET AND DERIVATIVE CREDIT EQUIVALENT (50% Credit Equivalent Risk Weight Allocations) | 0 |
| TOTAL OFF-BALANCE SHEET AND DERIVATIVE CREDIT EQUIVALENT (75% Credit Equivalent Risk Weight Allocations) | 0 |
| TOTAL OFF-BALANCE SHEET AND DERIVATIVE CREDIT EQUIVALENT (100% Credit Equivalent Risk Weight Allocations) | 7,410,909 |
| TOTAL OFF-BALANCE SHEET AND DERIVATIVE CREDIT EQUIVALENT (Alternative Risk Weights (Exposure Amount)) | 0 |
| TOTAL RISK-WEIGHTED ASSETS - OFF BALANCE SHEET AND DERIVATIVE (Totals for Risk-Weighting) | 7,410,909 |
| TOTAL RISK-WEIGHTED ASSETS - OFF BALANCE SHEET AND DERIVATIVE (2% Credit Equivalent Risk Weight Allocations) | 0 |
| TOTAL RISK-WEIGHTED ASSETS - OFF BALANCE SHEET AND DERIVATIVE (4% Credit Equivalent Risk Weight Allocations) | 0 |
| TOTAL RISK-WEIGHTED ASSETS - OFF BALANCE SHEET AND DERIVATIVE (20% Credit Equivalent Risk Weight Allocations) | 0 |
| TOTAL RISK-WEIGHTED ASSETS - OFF BALANCE SHEET AND DERIVATIVE (50% Credit Equivalent Risk Weight Allocations) | 0 |
| TOTAL RISK-WEIGHTED ASSETS - OFF BALANCE SHEET AND DERIVATIVE (75% Credit Equivalent Risk Weight Allocations) | 0 |
| TOTAL RISK-WEIGHTED ASSETS - OFF BALANCE SHEET AND DERIVATIVE (100% Credit Equivalent Risk Weight Allocations) | 7,410,909 |
| TOTAL RISK-WEIGHTED ASSETS - OFF BALANCE SHEET AND DERIVATIVE (Alternative Risk Weights (Exposure Amount)) | 0 |
| Risk-Based Capital Ratio Totals |
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| TOTAL ON-BALANCE SHEET ASSETS AND OFF-BALANCE SHEET CREDIT EQUIVALENT AMOUNTS (Sum of RB0099 and RB0153) | 3,728,097,269 |
| TOTAL RISK-WEIGHTED ASSETS (Sum of RB0112 and RB0162) | 2,118,465,441 |
| TOTAL RISK-BASED CAPITAL RATIO (RB0012 divided by RB0171) | 18.01 |
:·GROW FINANCIAL FEDERAL CREDIT UNION:·reportlist:·20240331-i
