Sincerity may not help us make friends, but it will help us keep them.

John Wooden (Basketball Coach)

 



Connecticut Offices:
Trumbull: 203-381-3800
trumbull@pcafcu.com

Fairfield: 203-254-4161
fairfield@pcafcu.com

Jefferson City, MO
573-893-3040 x2393
jeffcity@pcafcu.com

See PCAFCU's Current Specials

LOST OR STOLEN DEBIT CARD?

Call 800-554-8969

to report it lost or stolen

 
2009 Financials

BALANCE SHEET
Assets 12/31/09 12/31/08
Total Loans 8,174,507 8,003,916
   Less: Allowance for Loan Loss (42,712) (34,658)
Net Loans 8,131,795 7,969,257
Cash  260,091 211,610
Accounts Receivable 69,338 92,625
CSCCU Investments 2,306,489 2,214,737
Bank Investments 6,509,033 5,601,502
NCUSIF 145,094 116,735
Prepaid / Deferred Expenses 6,494 7,629
Fixed Assets (net valuation) 0 26,328
Total Assets 17,428,334 16,240,423
Liabilities
Accounts Payable 42,734 63,131
Dividends Payable 0 0
Other Liabilities 0 0
Total Liabilities 42,734 63,131
Equity
Regular Shares 6,273,730 5,123,482
Share Drafts (Checking) 1,778,906 1,627,930
Certificates of Deposit 3,591,375 3,825,231
Money Market Accounts 2,620,976 2,623,359
IRA Accounts & Certificates 1,593,340 1,309,371
Total Shares & Deposits 15,858,328 14,509,372
Unimpared Capital
Regular Reserves 380,700              380,700
Undivided Earnings 1,146,572 1,287,221
Total Unimpared Capital 1,527,272 1,667,921
Total Liabilities and Equity 17,428,334 16,240,423

 

STATEMENT OF INCOME
Operating Income 12/31/09 12/31/08
Interest on Loans 588,081 594,321
Income from Investments 224,712 276,646
Other Operating Income 173,126 161,270
Total Operating Income 985,919 1,032,237
Non Operating Income 96,105 0
Total Income 1,082,025 1,032,237
Expenses
Compensation & Benefits                379,777 383,684
Travel & Conference                  10,454 31,333
Trade Association Dues                  12,540 11,808
Office Operations                123,309 121,087
Marketing                  13,991 11,784
Loan Servicing                    4,964 7,125
Data Processing Fees                  72,269 61,790
Professional & Outside Services                  14,924 7,300
Provision for Loan Losses                  63,000 0
Member's Insurance                118,948 0
Operating Fee - NCUA                    3,866 3,004
Miscellaneous                    2,582 3,662
Total Operating Expenses 820,625 642,577
Income From Operations 165,294 389,659
Dividends Paid to Members 267,312 373,658
Gain (Loss) on Investments (134,737) 0
Net Income (Transferred to Capital) (140,649) 16,002



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