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Credit union call report ยท Hackensack, NJ

1st Bergen Federal Credit Union Call Report

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1st Bergen Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 276 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

1st Bergen Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number24810
Federal Reserve RSSD ID3945737

The official copy: search charter number 24810 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

1st Bergen Federal Credit Union call report, Q2 2026

Statement of Financial Condition (32 items)
1st Bergen Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $105K
1c. Total Cash on Hand 730A $105K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $2.1M
2c. Cash on Deposit in Other Financial Institutions 730B2 $1.3M
2. Cash on Deposit (total) 730B $3.5M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $3.6M
8. Available-for-Sale Debt Securities AS0067 $1.5M
11. TOTAL INVESTMENT SECURITIES AS0013 $1.5M
12b. Perpetual Contributed Capital 769B $1K
13. TOTAL OTHER INVESTMENTS AS0017 $1K
15a. Number of Total Loans and Leases 025A 313
15b. Total Loans and Leases 025B $5.8M
17. ACL on Loans and Leases AS0048 $185K
19. Land and Building 007 $225K
20. Other Fixed Assets 008 $32K
21. NCUA Share Insurance Capitalization Deposit 794 $63K
22d. Accrued Interest on Loans 009A $21K
22e. Accrued Interest on Investments 009B $4K
22f. All Other Assets 009C $85K
22g. Total Other Assets AS0036 $110K
23. TOTAL ASSETS 010 $11.2M
Accounts Payable and Other Liabilities 825 $732K
Accrued Dividends and Interest Payable 820A $1K
Borrowings (total) 860C $1.3M
Member Shares of All Types 013 $6.6M
Nonmember Deposits 880 $754K
Total Shares and Deposits 018 $7.4M
Undivided Earnings 940 $1.7M
Net Income (equity) 602 $54K
Total Net Worth 997 $3.1M
Net Worth Ratio 998 27.67%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $11.2M
Statement of Income and Expense (24 items)
1st Bergen Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $194K
3. Income from Investments 120 $75K
5. TOTAL INTEREST INCOME 115 $269K
6. Dividends on Shares 380 $47K
8. Interest on Borrowed Money 340 $13K
9. TOTAL INTEREST EXPENSE 350 $60K
10. NET INTEREST INCOME IS0010 $209K
12a. Credit Loss Expense - Loans and Leases IS0011 $57K
12e. Total Credit Loss Expense IS0017 $57K
13. Fee Income 131 $48K
16. Gain (Loss) on Other Investments IS0047 -$6K
22. Other Non-Operating Income 440 $282K
23. TOTAL NON-INTEREST INCOME 117 $324K
24. Employee Compensation and Benefits 210 $169K
25. Travel and Conference 230 $8K
26. Office Occupancy 250 $26K
27. Office Operations 260 $164K
28. Educational and Promotional 270 $22K
29. Loan Servicing 280 $8K
30. Professional and Outside Services 290 $14K
32. Operating Fees 320 $514
33. Miscellaneous Operating Expense 360 $9K
34. TOTAL NON-INTEREST EXPENSE 671 $421K
35. NET INCOME 661A $54K
Statement pages - all other filed accounts (23 items)

delinquency (21%), credit cards (21%)

1st Bergen Federal Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $945
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $61K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $5K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $89K
Loans Granted Year-to-Date 031A $56
Amount of Loans Granted Year-to-Date 031B $1.1M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $175K
Number of current members (not number of accounts) 083 1,706
Number of potential members 084 904,000
Net Member Business Loan Balance 400A $1.4M
Non-Member Deposits 457 $4
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,091.00%
Interest Rate of New Vehicle Loans 523 581.00%
Interest Rate of Used Vehicle Loans 524 833.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $76K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $36K
Total Amount of All Other Shares 630 $659K
Amount of Regular Shares 657 $2.0M
Amount of Share Drafts 902 $2.4M
IRA/KEOGH Accounts - < 1 Year 906A $48K
Share Certificates - < 1 Year 908A $1.2M
Total Amount of Share Certificates 908C $1.5M
Number of Used Vehicle Loans 968 99
NCUA data file FS220A (25 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

1st Bergen Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Amount of Leases Receivable 002 $6K
Total Shares - < 1 Year 013A $6.3M
Total Shares - 1-3 Years 013B1 $279K
Total Shares - > 3 Years 013B2 $4K
Total Shares and Deposits - < 1 Year 018A $7.1M
Total Shares and Deposits - 1-3 Years 018B1 $279K
Total Shares and Deposits - > 3 Years 018B2 $4K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 13
Effective date of last audit 063 $92K
Amount of Used Vehicle Loans 370 $1.4M
Amount of New Vehicle Loans 385 $969K
Amount of All Other Unsecured Loans/Lines of Credit 397 $882K
Share Certificates 451 $82
Number of Accounts for Share Drafts 452 992
IRA/KEOGH Accounts 453 $4
Number of Accounts for Regular Shares 454 1,706
All other shares 455 $428
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 3,216
Number of credit union employees who are Full-Time (26 hours or more) 564A 4
Interest Rate of Leases Receivable 565 1,000.00%
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $47K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,706.00%
Total credit lines 881 $1.4M
Total Subordinated Debt included in Net Worth 925A $1.3M
Number of Leases Receivable 954 1
NCUA data file FS220B (20 items)

maturity and repricing buckets (40%), credit cards (17%)

1st Bergen Federal Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $639K
Total Uninsured Shares and Deposits > $250K (F+J) 068A $639K
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $6.7M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $32K
All other shares - < 1 Year 630A $659K
Amount of Regular Shares - < 1 Year 657A $2.0M
Total Borrowings - > 3 Years 860B2 $1.3M
Subordinated Debt - > 3 Years 867B2 $1.3M
Total Amount of Subordinated Debt 867C $1.3M
Non-Member Deposits - < 1 Year 880A $754K
Amount of Share Drafts - < 1 Year 902A $2.4M
IRA/KEOGH Accounts - 1-3 Years 906B1 $3K
Total Amount of IRA/KEOGH Accounts 906C $51K
Share Certificates - 1-3 Years 908B1 $276K
Share Certificates - > 3 Years 908B2 $4K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $159K
Number of New Vehicle Loans 958 47
Total Shares 966 $3K
Number of All Other Unsecured Loans/Lines of Credit 994 143
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 4
NCUA data file FS220C (4 items)

charge-offs and recoveries (27%), participation loans (18%)

1st Bergen Federal Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $5
Number of credit union branches (include the main office if member services are conducted at that location) 566 3
Supplemental Share Information - Accts Held by Member Government Depositors 631 $453K
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $1.1M
NCUA data file FS220D (28 items)

member services and products offered (69%), CUSO relationships (27%)

1st Bergen Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Financial Education 879B2 $1
Financial Literacy Workshops 879B3 $1
Online Financial Literacy 879B7 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Credit Builder 879D1 $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $1
External or Third-Party Account Aggregation 887M $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
Remote Deposit Capture 887U $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Offer Custodial Accounts PP0032 $1
Offer Non-Custodial Accounts PP0033 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA data file FS220G (4 items)

loans and leases (32%), participation loans (18%)

1st Bergen Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Outstanding Amount of Participation Loans Purchased By Type 691L $1.2M
Total Outstanding Amount of Participation Loans Sold By Type 691N $680K
Assets Pledged to Secure Borrowings 878 $44K
Total Credit Lines at Corporate Credit Unions 884 $44K
NCUA data file FS220H (1 item)

student loans (43%), delinquency (27%)

1st Bergen Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $28K
NCUA data file FS220I (12 items)

vehicle lending (59%), delinquency (44%)

1st Bergen Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $42K
Number of Reportable Delinquent Used Vehicle Loans 035E2 3
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $60K
Amount of New Vehicle Loans YTD Charge Offs 550C1 $40K
Amount of New Vehicle Loans YTD Recoveries 551C1 $26K
Commercial Share Accounts 643 $1.7M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $1K
Total Other Credit Lines 884D $1.3M
Draws Against LOCs from Other Sources 885A2 $1.3M
Total Draws Againts LOCs 885A4 $1.3M
Amount of Grants Awarded Year-to-Date 926 $50K
Number of International Remittances originated Year-to-Date 928 2
NCUA data file FS220L (21 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

1st Bergen Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $313
Total Amount of Loans & Leases on Loan Schedule 025B1 $5.8M
Number of purchased or participation interests in commercial loans secured by construction and development property to nonmembers 143A4 3
Outstanding balance of purchased or participation interests in commercial loans secured by construction and development property to nonmembers 143B4 $1.2M
Total outstanding balance of commercial loans to members 400A1 $941K
Total outstanding balance of nonmember commercial loans 400B1 $1.2M
Outstanding balance of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 400J2 $819K
Outstanding balance of Member Commercial and Industrial loans 400L2 $122K
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $122K
Outstanding balance of all member and non-member commercial loans 400T1 $2.2M
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 475.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 679.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 692.00%
Outstanding Amount of Commercial Construction & Development Loans Purchased 691L9 $1.2M
Outstanding Amount of Commercial Construction & Development Loans Sold 691N9 $680K
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $413K
Total Outstanding Balance of real estate secured member commercial loans 718A3 $819K
Total Outstanding Balance of real estate secured nonmember commercial loans 718A4 $1.2M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $2.1M
Amount of Outstanding commercial participations sold but retained servicing (including unfunded commitments) 1061 $680K
Number of Outstanding commercial participations sold but retained servicing (including unfunded commitments) 1061A 1
NCUA data file FS220M (12 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

1st Bergen Federal Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Other Unfunded Commitments (Non-Commercial) 816B5 $28K
Total Unfunded Commitments for Non-Commercial Loans 816T $28K
Total number of member commercial loans 900A1 $6
Total number of nonmember commercial loans 900B1 $3
Number of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 900J2 2
Total number of real estate secured member commercial loans 900K2 $2
Total number of real estate secured nonmember commercial loans 900K3 $3
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 5
Number of Member Commercial and Industrial loans 900L2 4
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 2
Total Number of Member and Nonmember commercial loans 900T1 $9
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 16
NCUA data file FS220N (9 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

1st Bergen Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Available-for-sale Debt Securities <=1 Year AS0062 $1.4M
Available-for-sale Debt Securities >1 and <=3 Years AS0063 $139K
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 $4K
Total Liabilities LI0069 $9.4M
Number of Non-Commercial Other Government Guaranteed Loans LN0053 3
Outstanding Balance of Non-Commercial Other Government Guaranteed Loans LN0054 $89K
Guaranteed Portion of Non-Commercial Other Government Guaranteed Loans LN0055 $44K
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $55K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $11.2M
NCUA data file FS220P (16 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

1st Bergen Federal Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $36K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $10K
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $2.1M
All Other Unsecured Loans/Lines of Credit DL0022 $945
All Other Unsecured Loans/Lines of Credit DL0023 $4K
All Other Unsecured Loans/Lines of Credit DL0024 $18K
All Other Unsecured Loans/Lines of Credit DL0025 $5K
All Other Unsecured Loans/Lines of Credit DL0026 $36K
All Other Unsecured Loans/Lines of Credit DL0027 $63K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $8
Used Vehicle Loans DL0037 $17K
Delinquent Loans by Collateral Type - >=360 days - All Other Secured Non-Real Estate Loans/Lines of Credit DL0054 $53K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $53K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $2
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $21K
Amount of Consumer Loans in Non-Accrual Status DL0145 $154K
NCUA data file FS220Q (24 items)

investment portfolio detail (69%)

1st Bergen Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Corporate Credit Unions LQ0035 $44K
Total Borrowings LQ0860 $1.3M
Available-for-sale Amortized Cost - US Government Obligations NV0003 $276K
Available-for-sale Fair Value - US Government Obligations NV0004 $282K
Available-for-sale Amortized Cost - Securities Issued by States and Political Subdivisions in the U.S. NV0071 $1.3M
Available-for-sale Fair Value - Securities Issued by States and Political Subdivisions in the U.S. NV0072 $1.3M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $1.5M
Total Fair Value Available-for-Sale Debt Securities NV0084 $1.5M
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $1.5M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $1K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $1K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $1.4M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $139K
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $1K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $1.5M
Investment - Memoranda - Realized Gains (Losses) - Realized Gains (Losses) on Available for Sale Securities NV0160 -$6K
Total Gain (Loss) on Investments NV0162 -$6K
RBC Total Equity RB0001 $1.8M
RBC Allowance for Credit Losses RB0002 $185K
RBC Subordinated Debt in accordance with ?702.407 RB0003 $1.3M
RBC Total Additions RB0005 $1.5M
RBC Total Deductions RB0009 $63K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $3.2M
RBC Risk-Based Capital Numerator RB0012 $3.2M
NCUA data file FS220R (19 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

1st Bergen Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $1.5M
RBC Schedule Total Consumer Loans RB0060 $3.7M
RBC Schedule Total Commercial Loans RB0068 $2.2M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $185K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $185K
RBC Schedule Total Loans RB0079 $5.7M
RBC Total for Risk Weighting Total Loans RB0081 -$185K
RBC Total Loans 0% Weight RB0082 -$185K
RBC Schedule Total Other Assets RB0088 $430K
RBC Total for Risk Weighting Other Assets RB0090 $63K
RBC Other Assets 0% Weight RB0091 $63K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $11.2M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 -$122K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 -$122K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $11.2M
RBC Allowance for Credit Losses (Loans) RB0177 $185K
Total Shares SH0013 $6.6M
Total Shares and Deposits SH0018 $7.4M
Total Non-Member Deposits SH0880 $754K
NCUA data file FS220S (2 items)

member services and products offered (29%), HMDA and entity identifiers (24%)

1st Bergen Federal Credit Union, NCUA data file FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Person-to-Person payments PP0045 $1

1st Bergen Federal Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the 1st Bergen Federal Credit Union call report?

The 1st Bergen Federal Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does 1st Bergen Federal Credit Union file?

1st Bergen Federal Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the 1st Bergen Federal Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for 1st Bergen Federal Credit Union is 24810.

How often does 1st Bergen Federal Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

1st Bergen Federal Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.