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Credit union call report ยท Lafayette, LA

705 Federal Credit Union Call Report

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705 Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 267 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

705 Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number18749
Federal Reserve RSSD ID772183

The official copy: search charter number 18749 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

705 Federal Credit Union call report, Q2 2026

Statement of Financial Condition (35 items)
705 Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $496K
1c. Total Cash on Hand 730A $496K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $2.3M
2. Cash on Deposit (total) 730B $2.3M
3. Time Deposits in Banks and Credit Unions AS0007 $248K
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $3.0M
9. Held-to-Maturity Debt Securities AS0073 $4.1M
11. TOTAL INVESTMENT SECURITIES AS0013 $4.1M
12b. Perpetual Contributed Capital 769B $171K
12c. All Other Investments AS0016 $6K
13. TOTAL OTHER INVESTMENTS AS0017 $177K
15a. Number of Total Loans and Leases 025A 2,430
15b. Total Loans and Leases 025B $30.2M
17. ACL on Loans and Leases AS0048 $183K
18c. Foreclosed/Repossessed - Vehicles AS0024 $38K
18d. Foreclosed/Repossessed - Other AS0025 $15K
18e. Foreclosed/Repossessed Assets (total) 798A $53K
19. Land and Building 007 $4.8M
20. Other Fixed Assets 008 $232K
21. NCUA Share Insurance Capitalization Deposit 794 $376K
22d. Accrued Interest on Loans 009A $79K
22e. Accrued Interest on Investments 009B $12K
22f. All Other Assets 009C $216K
22g. Total Other Assets AS0036 $307K
23. TOTAL ASSETS 010 $43.0M
Accounts Payable and Other Liabilities 825 $504K
Accrued Dividends and Interest Payable 820A $22K
Member Shares of All Types 013 $38.1M
Nonmember Deposits 880 $1.0M
Total Shares and Deposits 018 $39.1M
Undivided Earnings 940 $3.4M
Net Income (equity) 602 $49K
Total Net Worth 997 $3.4M
Net Worth Ratio 998 7.91%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $43.0M
Statement of Income and Expense (24 items)
705 Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $940K
3. Income from Investments 120 $78K
5. TOTAL INTEREST INCOME 115 $1.0M
6. Dividends on Shares 380 $243K
8. Interest on Borrowed Money 340 $82
9. TOTAL INTEREST EXPENSE 350 $243K
10. NET INTEREST INCOME IS0010 $775K
12a. Credit Loss Expense - Loans and Leases IS0011 $43K
12e. Total Credit Loss Expense IS0017 $43K
13. Fee Income 131 $169K
14. Other Operating Income IS0020 $142K
22. Other Non-Operating Income 440 $69K
23. TOTAL NON-INTEREST INCOME 117 $380K
24. Employee Compensation and Benefits 210 $501K
25. Travel and Conference 230 $9K
26. Office Occupancy 250 $84K
27. Office Operations 260 $391K
28. Educational and Promotional 270 $6K
29. Loan Servicing 280 $12K
30. Professional and Outside Services 290 $44K
32. Operating Fees 320 $1K
33. Miscellaneous Operating Expense 360 $16K
34. TOTAL NON-INTEREST EXPENSE 671 $1.1M
35. NET INCOME 661A $49K
Statement pages - all other filed accounts (24 items)

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

705 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 $523K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $294K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $164K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $18K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $19K
Loans Granted Year-to-Date 031A $145
Amount of Loans Granted Year-to-Date 031B $3.3M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $614K
Number of current members (not number of accounts) 083 3,748
Number of potential members 084 5,500
Non-Member Deposits 457 $1
Interest Rate of Unsecured Credit Card Loans 521 790.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,265.00%
Interest Rate of New Vehicle Loans 523 604.00%
Interest Rate of Used Vehicle Loans 524 749.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $128K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $46K
Amount of Regular Shares 657 $14.4M
Amount of Share Drafts 902 $5.5M
IRA/KEOGH Accounts - < 1 Year 906A $1.1M
Share Certificates - < 1 Year 908A $6.8M
Total Amount of Share Certificates 908C $7.8M
Total Amount of Money Market Shares 911 $9.3M
Number of Used Vehicle Loans 968 288
NCUA form-section FS220A (22 items)

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

705 Federal Credit Union, NCUA form-section FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $37.1M
Total Shares - 1-3 Years 013B1 $975K
Total Shares - > 3 Years 013B2 $35K
Total Shares and Deposits - < 1 Year 018A $38.1M
Total Shares and Deposits - 1-3 Years 018B1 $975K
Total Shares and Deposits - > 3 Years 018B2 $35K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 33
Effective date of last audit 063 $82K
Amount of Used Vehicle Loans 370 $6.0M
Amount of New Vehicle Loans 385 $8.4M
Amount of Unsecured Credit Card Loans 396 $1.8M
Amount of All Other Unsecured Loans/Lines of Credit 397 $2.5M
Share Certificates 451 $182
Number of Accounts for Share Drafts 452 1,684
IRA/KEOGH Accounts 453 $54
Number of Accounts for Regular Shares 454 4,031
Money Market Shares 458 $127
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 6,079
Number of credit union employees who are Full-Time (26 hours or more) 564A 14
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $352K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,608.00%
Total credit lines 881 $3.0M
NCUA form-section FS220B (23 items)

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

705 Federal Credit Union, NCUA form-section FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $1K
Number - Total Delinquent Credit Card Loans 045A 2
Total Amount of Delinquent Unsecured Credit Card Loans 045B $6K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $4.1M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $4.1M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $35.0M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $72K
Amount of Regular Shares - < 1 Year 657A $14.4M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $7K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $1K
Fair value of Held to Maturity Securities 801 $3.9M
Non-Member Deposits - < 1 Year 880A $1.0M
Amount of Share Drafts - < 1 Year 902A $5.5M
Total Amount of IRA/KEOGH Accounts 906C $1.1M
Share Certificates - 1-3 Years 908B1 $975K
Share Certificates - > 3 Years 908B2 $35K
Money Market Shares - < 1 Year 911A $9.3M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $188K
Number of New Vehicle Loans 958 268
Total Shares 966 $6K
Number of Unsecured Credit Card Loans 993 1,189
Number of All Other Unsecured Loans/Lines of Credit 994 399
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 14
NCUA form-section FS220C (5 items)

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

705 Federal Credit Union, NCUA form-section 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 1
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $5.1M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $317K
Outstanding balance of brokered certificates of deposit and share certificates 788 $4.1M
NCUA form-section FS220D (27 items)

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

705 Federal Credit Union, NCUA form-section FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union provide member services through a credit union shared branch services center? 566A $1
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
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Deposits and Shares Meeting 703.10(a) 879M $1
Brokered Certificates of Deposits 879N $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
Remote Deposit Capture 887U $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Offer Custodial Accounts PP0032 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
CU offer Shared service network PP0058 $1
NCUA form-section FS220G (3 items)

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

705 Federal Credit Union, NCUA form-section FS220G, Q2 2026
Line item Account Q2 2026
Total Value of Investments in CUSOs 851 $57K
Total Aggregate Cash Outlay in CUSOs 853 $50K
Total Credit Lines at Corporate Credit Unions 884 $3.0M
NCUA form-section FS220H (3 items)

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

705 Federal Credit Union, NCUA form-section FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $3.1M
Total number of TDR loans outstanding 1000F $6
Total amount of TDR loans outstanding 1001F $86K
NCUA form-section FS220I (16 items)

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

705 Federal Credit Union, NCUA form-section FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $191K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $249K
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $167K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $119K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $138K
Number of Reportable Delinquent New Vehicle Loans 035E1 7
Number of Reportable Delinquent Used Vehicle Loans 035E2 16
Amount of Reportable Delinquent New Vehicle Loans 041C1 $223K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $325K
Amount of New Vehicle Loans YTD Charge Offs 550C1 $48K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $15K
Amount of New Vehicle Loans YTD Recoveries 551C1 $24K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $6K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $12K
Amount of Grants Awarded Year-to-Date 926 $300K
Amount of Grants Received Year-to-Date 927 $300K
NCUA form-section FS220L (6 items)

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

705 Federal Credit Union, NCUA form-section FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $2K
Total Amount of Loans & Leases on Loan Schedule 025B1 $30.2M
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 335.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 500.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $4.4M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $7.2M
NCUA form-section FS220M (6 items)

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

705 Federal Credit Union, NCUA form-section FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $2.4M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $23K
Total Unfunded Commitments for Non-Commercial Loans 816T $3.1M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $642K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 88
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 198
NCUA form-section FS220N (8 items)

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

705 Federal Credit Union, NCUA form-section FS220N, Q2 2026
Line item Account Q2 2026
Held-to-Maturity Debt Securities <=1 Year AS0068 $989K
Held-to-Maturity Debt Securities >1 and <=3 Years AS0069 $990K
Held-to-Maturity Debt Securities >3 and <=5 Years AS0070 $1.4M
Held-to-Maturity Debt Securities >5 and <= 10 Years AS0071 $497K
Held-to-Maturity Debt Securities > 10 Years AS0072 $250K
Total Liabilities LI0069 $39.6M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $125K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $43.0M
NCUA form-section FS220P (18 items)

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

705 Federal Credit Union, NCUA form-section FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $59K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $14K
Unsecured Credit Card Loans DL0002 $5K
All Other Unsecured Loans/Lines of Credit DL0022 $40K
All Other Unsecured Loans/Lines of Credit DL0023 $9K
All Other Unsecured Loans/Lines of Credit DL0024 $7K
All Other Unsecured Loans/Lines of Credit DL0025 $2K
All Other Unsecured Loans/Lines of Credit DL0026 $18K
All Other Unsecured Loans/Lines of Credit DL0027 $37K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $6
New Vehicle Loans DL0030 $56K
Used Vehicle Loans DL0037 $67K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $24K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0053 $24K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $24K
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 $138K
Amount of Consumer Loans in Non-Accrual Status DL0145 $329K
NCUA form-section FS220Q (20 items)

investment portfolio detail (69%)

705 Federal Credit Union, NCUA form-section FS220Q, Q2 2026
Line item Account Q2 2026
Held-to-maturity Amortized Cost - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0073 $4.1M
Held-to-maturity Fair Value - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0074 $3.9M
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $4.1M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $248K
Investment Maturity Distribution - Time Deposits - Total NV0116 $248K
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $4.1M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $177K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $177K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $989K
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $1.2M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $1.4M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $497K
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $427K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $4.5M
RBC Total Equity RB0001 $3.4M
RBC Allowance for Credit Losses RB0002 $183K
RBC Total Additions RB0005 $183K
RBC Total Deductions RB0009 $376K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $3.2M
RBC Risk-Based Capital Numerator RB0012 $3.2M
NCUA form-section FS220R (25 items)

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

705 Federal Credit Union, NCUA form-section FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $4.3M
RBC Schedule Total Consumer Loans RB0060 $23.0M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $183K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $183K
RBC Schedule Total Loans RB0079 $30.0M
RBC Total for Risk Weighting Total Loans RB0081 -$183K
RBC Total Loans 0% Weight RB0082 -$183K
RBC Schedule Total Other Assets RB0088 $5.7M
RBC Total for Risk Weighting Other Assets RB0090 $376K
RBC Other Assets 0% Weight RB0091 $376K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $43.0M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $192K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $192K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $43.0M
RBC Allowance for Credit Losses (Loans) RB0177 $183K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 44.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 5,226,045.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 44.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 1,972,453.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $7.2M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $88
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $7.2M
Total Shares SH0013 $38.1M
Total Shares and Deposits SH0018 $39.1M
Total Non-Member Deposits SH0880 $1.0M
NCUA form-section FS220S (2 items)

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

705 Federal Credit Union, NCUA form-section 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

705 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 705 Federal Credit Union call report?

The 705 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 705 Federal Credit Union file?

705 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 705 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 705 Federal Credit Union is 18749.

How often does 705 Federal Credit Union file a call report?

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

705 Federal Credit Union financials and ratios →

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