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Credit union call report ยท Warren, MI

A B D Federal Credit Union Call Report

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A B D Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 254 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

A B D Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number5885
Federal Reserve RSSD ID478672

The official copy: search charter number 5885 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

A B D Federal Credit Union call report, Q2 2026

Statement of Financial Condition (33 items)
A B D Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $1.6M
1c. Total Cash on Hand 730A $1.6M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $8.2M
2c. Cash on Deposit in Other Financial Institutions 730B2 $96K
2. Cash on Deposit (total) 730B $8.3M
3. Time Deposits in Banks and Credit Unions AS0007 $31.9M
4. All Other Deposits AS0008 $42K
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $41.8M
8. Available-for-Sale Debt Securities AS0067 $4.5M
11. TOTAL INVESTMENT SECURITIES AS0013 $4.5M
12b. Perpetual Contributed Capital 769B $364K
12c. All Other Investments AS0016 $178K
13. TOTAL OTHER INVESTMENTS AS0017 $542K
15a. Number of Total Loans and Leases 025A 2,567
15b. Total Loans and Leases 025B $17.2M
17. ACL on Loans and Leases AS0048 $244K
19. Land and Building 007 $419K
20. Other Fixed Assets 008 $172K
21. NCUA Share Insurance Capitalization Deposit 794 $534K
22d. Accrued Interest on Loans 009A $39K
22e. Accrued Interest on Investments 009B $309K
22f. All Other Assets 009C $1.3M
22g. Total Other Assets AS0036 $1.7M
23. TOTAL ASSETS 010 $66.5M
Accounts Payable and Other Liabilities 825 $952K
Accrued Dividends and Interest Payable 820A $14K
Member Shares of All Types 013 $55.5M
Total Shares and Deposits 018 $55.5M
Undivided Earnings 940 $10.2M
Net Income (equity) 602 -$189K
Total Net Worth 997 $10.1M
Net Worth Ratio 998 15.12%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $66.5M
Statement of Income and Expense (22 items)
A B D Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $524K
3. Income from Investments 120 $892K
5. TOTAL INTEREST INCOME 115 $1.4M
6. Dividends on Shares 380 $195K
9. TOTAL INTEREST EXPENSE 350 $195K
10. NET INTEREST INCOME IS0010 $1.2M
12a. Credit Loss Expense - Loans and Leases IS0011 $87K
12e. Total Credit Loss Expense IS0017 $87K
13. Fee Income 131 $554K
14. Other Operating Income IS0020 $234K
23. TOTAL NON-INTEREST INCOME 117 $789K
24. Employee Compensation and Benefits 210 $999K
25. Travel and Conference 230 $53K
26. Office Occupancy 250 $174K
27. Office Operations 260 $531K
28. Educational and Promotional 270 $5K
29. Loan Servicing 280 $97K
30. Professional and Outside Services 290 $226K
32. Operating Fees 320 $5K
33. Miscellaneous Operating Expense 360 $22K
34. TOTAL NON-INTEREST EXPENSE 671 $2.1M
35. NET INCOME 661A -$189K
Statement pages - all other filed accounts (24 items)

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

A B D 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 $134K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $111K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $48K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $20K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $4K
Loans Granted Year-to-Date 031A $198
Amount of Loans Granted Year-to-Date 031B $2.1M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $234K
Number of current members (not number of accounts) 083 6,130
Number of potential members 084 17,100
Interest Rate of Unsecured Credit Card Loans 521 1,490.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,270.00%
Interest Rate of New Vehicle Loans 523 514.00%
Interest Rate of Used Vehicle Loans 524 560.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $65K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $10K
Total Amount of All Other Shares 630 $183K
Amount of Regular Shares 657 $28.6M
Amount of Share Drafts 902 $7.3M
IRA/KEOGH Accounts - < 1 Year 906A $752K
Share Certificates - < 1 Year 908A $7.1M
Total Amount of Share Certificates 908C $7.7M
Total Amount of Money Market Shares 911 $11.0M
Number of Used Vehicle Loans 968 280
NCUA form-section FS220A (24 items)

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

A B D Federal Credit Union, NCUA form-section FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $54.9M
Total Shares - 1-3 Years 013B1 $627K
Total Shares and Deposits - < 1 Year 018A $54.9M
Total Shares and Deposits - 1-3 Years 018B1 $627K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 32
Effective date of last audit 063 $122K
Amount of Used Vehicle Loans 370 $4.8M
Amount of New Vehicle Loans 385 $2.0M
Amount of Unsecured Credit Card Loans 396 $1.3M
Amount of All Other Unsecured Loans/Lines of Credit 397 $1.8M
Share Certificates 451 $188
Number of Accounts for Share Drafts 452 3,042
IRA/KEOGH Accounts 453 $41
Number of Accounts for Regular Shares 454 7,367
All other shares 455 $175
Money Market Shares 458 $330
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 11,143
Number of credit union employees who are Full-Time (26 hours or more) 564A 24
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 5
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $648K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,699.20%
Number of Outstanding Indirect Loans 617A 20
Total Amount of Outstanding Indirect Loans 618A $1.5M
Total credit lines 881 $3.5M
NCUA form-section FS220B (22 items)

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

A B D 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 $5K
Number - Total Delinquent Credit Card Loans 045A 3
Total Amount of Delinquent Unsecured Credit Card Loans 045B $8K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $3.4M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $3.4M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $52.1M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $92K
All other shares - < 1 Year 630A $183K
Amount of Regular Shares - < 1 Year 657A $28.6M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $23K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $4K
Amount of Share Drafts - < 1 Year 902A $7.3M
Total Amount of IRA/KEOGH Accounts 906C $752K
Share Certificates - 1-3 Years 908B1 $627K
Money Market Shares - < 1 Year 911A $11.0M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $187K
Number of New Vehicle Loans 958 68
Total Shares 966 $11K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $7K
Number of Unsecured Credit Card Loans 993 893
Number of All Other Unsecured Loans/Lines of Credit 994 1,083
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 10
NCUA form-section FS220C (4 items)

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

A B D 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 $1
Number of credit union branches (include the main office if member services are conducted at that location) 566 3
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $3.4M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $149K
NCUA form-section FS220D (13 items)

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

A B D Federal Credit Union, NCUA form-section FS220D, Q2 2026
Line item Account Q2 2026
Online Financial Literacy 879B7 $1
International Remittances 879V $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
CU offer Shared service network PP0058 $1
NCUA form-section FS220G (3 items)

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

A B D Federal Credit Union, NCUA form-section FS220G, Q2 2026
Line item Account Q2 2026
Total Outstanding Amount of Participation Loans Purchased By Type 691L $4.6M
Outstanding Amount of Real Estate Participation Loans Purchased 691L2 $3.9M
Total Credit Lines at Corporate Credit Unions 884 $3.5M
NCUA form-section FS220H (1 item)

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

A B D Federal Credit Union, NCUA form-section FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $2.4M
NCUA form-section FS220I (12 items)

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

A B D Federal Credit Union, NCUA form-section FS220I, Q2 2026
Line item Account Q2 2026
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $86K
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $20K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $75K
Amount of New Vehicle Loans Delinquent 180 to 359 days 022C1 $33K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $5K
Amount of Used Vehicle Loans Delinquent >=360 days 023C2 $20K
Number of Reportable Delinquent New Vehicle Loans 035E1 2
Number of Reportable Delinquent Used Vehicle Loans 035E2 11
Amount of Reportable Delinquent New Vehicle Loans 041C1 $53K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $141K
Commercial Share Accounts 643 $2.9M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $96K
NCUA form-section FS220L (8 items)

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

A B D Federal Credit Union, NCUA form-section FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $3K
Total Amount of Loans & Leases on Loan Schedule 025B1 $17.2M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $1.5M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 550.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 700.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 540.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $1.5M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $4.4M
NCUA form-section FS220M (6 items)

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

A B D Federal Credit Union, NCUA form-section FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $1.7M
Total Unfunded Commitments for Non-Commercial Loans 816T $2.4M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $705K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 33
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 47
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 163
NCUA form-section FS220N (4 items)

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

A B D Federal Credit Union, NCUA form-section FS220N, Q2 2026
Line item Account Q2 2026
Available-for-sale Debt Securities <=1 Year AS0062 $4.5M
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$24K
Total Liabilities LI0069 $56.5M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $66.5M
NCUA form-section FS220P (21 items)

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

A B D 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 $43K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $6K
Unsecured Credit Card Loans DL0002 $3K
All Other Unsecured Loans/Lines of Credit DL0022 $9K
All Other Unsecured Loans/Lines of Credit DL0023 $7K
All Other Unsecured Loans/Lines of Credit DL0024 $7K
All Other Unsecured Loans/Lines of Credit DL0025 $3K
All Other Unsecured Loans/Lines of Credit DL0027 $17K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $12
Used Vehicle Loans DL0037 $42K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $35K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $4K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $4K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0053 $7K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $15K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $4
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $56K
Amount of reportable delinquency included in Total Delinquent Loans and Leases (Account 041B), that relates to: Participation Loans Purchased under 701.22 DL0142 $11K
Amount of Consumer Loans in Non-Accrual Status DL0145 $50K
Number of Indirect Loans - First Lien and Junio Lien Residential Loans IN0003 20
Amount of Indirect Loans - First Lien and Junio Lien Residential Loans IN0004 $1.5M
NCUA form-section FS220Q (26 items)

investment portfolio detail (69%)

A B D Federal Credit Union, NCUA form-section FS220Q, Q2 2026
Line item Account Q2 2026
Available-for-sale Amortized Cost - US Government Obligations NV0003 $3.0M
Available-for-sale Fair Value - US Government Obligations NV0004 $3.0M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0019 $1.5M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0020 $1.5M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0023 $1.5M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0024 $1.5M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $4.5M
Total Fair Value Available-for-Sale Debt Securities NV0084 $4.5M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $25.6M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $6.2M
Investment Maturity Distribution - Time Deposits - Total NV0116 $31.9M
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $4.5M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $178K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $364K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $542K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $30.1M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $6.4M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $364K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $36.9M
RBC Total Equity RB0001 $10.1M
RBC Allowance for Credit Losses RB0002 $244K
RBC Total Additions RB0005 $244K
RBC Total Deductions RB0009 $534K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $9.8M
RBC Risk-Based Capital Numerator RB0012 $9.8M
Participation Loans: Participations Purchased - Outstanding Balance - Amount - Vehicle - Non-commercial SL0036 $743K
NCUA form-section FS220R (28 items)

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

A B D Federal Credit Union, NCUA form-section FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $5.0M
RBC Schedule Total Consumer Loans RB0060 $11.3M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $244K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $244K
RBC Schedule Total Loans RB0079 $16.9M
RBC Total for Risk Weighting Total Loans RB0081 -$244K
RBC Total Loans 0% Weight RB0082 -$244K
RBC Schedule Total Other Assets RB0088 $2.8M
RBC Total for Risk Weighting Other Assets RB0090 $534K
RBC Other Assets 0% Weight RB0091 $534K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $66.5M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $290K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $290K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $66.5M
RBC Allowance for Credit Losses (Loans) RB0177 $244K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 18.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 3,746,329.00%
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 15.00%
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 611,595.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $4.4M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 47.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 1,512,256.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $1.5M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $80
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $5.9M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $165K
Total Shares SH0013 $55.5M
Total Shares and Deposits SH0018 $55.5M
NCUA form-section FS220S (3 items)

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

A B D 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
Located in Metropolitan Statistical Area (MSA) PR0001 $1

A B D 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 A B D Federal Credit Union call report?

The A B D 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 A B D Federal Credit Union file?

A B D 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 A B D 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 A B D Federal Credit Union is 5885.

How often does A B D Federal Credit Union file a call report?

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

A B D Federal Credit Union financials and ratios →

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