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Credit union call report ยท Kalamazoo, MI

Arbor Financial Credit Union Call Report

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Arbor Financial Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 468 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Arbor Financial Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number61708
Federal Reserve RSSD ID962096

The official copy: search charter number 61708 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Arbor Financial Credit Union call report, Q2 2026

Statement of Financial Condition (34 items)
Arbor Financial Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $4.0M
1c. Total Cash on Hand 730A $4.0M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $16.5M
2b. Cash on Deposit in Federal Reserve Bank AS0003 $22.1M
2c. Cash on Deposit in Other Financial Institutions 730B2 $1.2M
2. Cash on Deposit (total) 730B $39.8M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $43.7M
8. Available-for-Sale Debt Securities AS0067 $113.9M
11. TOTAL INVESTMENT SECURITIES AS0013 $113.9M
12b. Perpetual Contributed Capital 769B $1.1M
12c. All Other Investments AS0016 $8.0M
13. TOTAL OTHER INVESTMENTS AS0017 $9.1M
14. Loans Held for Sale 003 $1.2M
15a. Number of Total Loans and Leases 025A 24,327
15b. Total Loans and Leases 025B $685.2M
17. ACL on Loans and Leases AS0048 $7.2M
19. Land and Building 007 $19.0M
20. Other Fixed Assets 008 $3.3M
21. NCUA Share Insurance Capitalization Deposit 794 $6.9M
22b. Mortgage Servicing Rights 779 $2.1M
22d. Accrued Interest on Loans 009A $2.0M
22e. Accrued Interest on Investments 009B $374K
22f. All Other Assets 009C $19.4M
22g. Total Other Assets AS0036 $23.8M
23. TOTAL ASSETS 010 $899.0M
Accounts Payable and Other Liabilities 825 $12.5M
Borrowings (total) 860C $36.0M
Member Shares of All Types 013 $770.6M
Total Shares and Deposits 018 $770.6M
Undivided Earnings 940 $91.7M
Net Income (equity) 602 $3.7M
Total Net Worth 997 $95.4M
Net Worth Ratio 998 10.62%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $899.0M
Statement of Income and Expense (29 items)
Arbor Financial Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $18.1M
3. Income from Investments 120 $2.5M
5. TOTAL INTEREST INCOME 115 $20.6M
6. Dividends on Shares 380 $104K
7. Interest on Deposits 381 $4.4M
8. Interest on Borrowed Money 340 $1.1M
9. TOTAL INTEREST EXPENSE 350 $5.6M
10. NET INTEREST INCOME IS0010 $15.0M
12a. Credit Loss Expense - Loans and Leases IS0011 $694K
12e. Total Credit Loss Expense IS0017 $694K
13. Fee Income 131 $3.5M
14. Other Operating Income IS0020 $3.1M
17. Gain (Loss) on Derivatives 421 $52K
18. Gain (Loss) on Disposition of Fixed Assets 430 -$3K
19. Gain (Loss) on Sale of Loans IS0029 $246K
22. Other Non-Operating Income 440 $269K
23. TOTAL NON-INTEREST INCOME 117 $7.1M
24. Employee Compensation and Benefits 210 $9.1M
25. Travel and Conference 230 $105K
26. Office Occupancy 250 $1.1M
27. Office Operations 260 $3.8M
28. Educational and Promotional 270 $355K
29. Loan Servicing 280 $2.1M
30. Professional and Outside Services 290 $992K
31. Member Insurance 310 $3K
32. Operating Fees 320 $72K
33. Miscellaneous Operating Expense 360 $65K
34. TOTAL NON-INTEREST EXPENSE 671 $17.7M
35. NET INCOME 661A $3.7M
Statement pages - all other filed accounts (26 items)

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

Arbor Financial 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 $2.5M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $3.0M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $317K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $6.8M
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $352K
Loans Granted Year-to-Date 031A $2K
Amount of Loans Granted Year-to-Date 031B $94.1M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $12.4M
Number of current members (not number of accounts) 083 47,138
Number of potential members 084 10,127,884
Net Member Business Loan Balance 400A $75.2M
Interest Rate of Unsecured Credit Card Loans 521 1,275.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 950.00%
Interest Rate of New Vehicle Loans 523 499.00%
Interest Rate of Used Vehicle Loans 524 599.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $846K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $207K
Total Amount of All Other Shares 630 $12.8M
Amount of Regular Shares 657 $392.0M
Balance Outstanding of All Interest Only & Payment Option 1st Mortgage Loans. 704C1 $4.6M
Amount of Share Drafts 902 $189.5M
IRA/KEOGH Accounts - < 1 Year 906A $16.3M
Share Certificates - < 1 Year 908A $85.1M
Total Amount of Share Certificates 908C $91.0M
Total Amount of Money Market Shares 911 $67.6M
Number of Used Vehicle Loans 968 2,958
NCUA form-section FS220A (30 items)

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

Arbor Financial Credit Union, NCUA form-section FS220A, Q2 2026
Line item Account Q2 2026
Average of the three month-end balances over the calendar quarter 010B $897.9M
Total Shares - < 1 Year 013A $763.3M
Total Shares - 1-3 Years 013B1 $6.1M
Total Shares - > 3 Years 013B2 $1.1M
Total Shares and Deposits - < 1 Year 018A $763.3M
Total Shares and Deposits - 1-3 Years 018B1 $6.1M
Total Shares and Deposits - > 3 Years 018B2 $1.1M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 120
Amount of Delinquent Indirect Loans 041E $20K
Effective date of last audit 063 $122K
Amount of Used Vehicle Loans 370 $37.9M
Amount of New Vehicle Loans 385 $9.2M
Amount of Unsecured Credit Card Loans 396 $29.5M
Amount of All Other Unsecured Loans/Lines of Credit 397 $27.0M
Share Certificates 451 $2K
Number of Accounts for Share Drafts 452 40,218
IRA/KEOGH Accounts 453 $1K
Number of Accounts for Regular Shares 454 61,687
All other shares 455 $4K
Money Market Shares 458 $4K
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 111,938
Number of credit union employees who are Full-Time (26 hours or more) 564A 188
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 7
Number of Outstanding Indirect Loans 617A 896
Total Amount of Outstanding Indirect Loans 618A $13.2M
Amount of real estate loans sold but serviced by the credit union 779A $306.9M
Total credit lines 881 $345.0M
Draws against lines of credit, more than 3 years 883B2 $36.0M
Draws against lines of credit, total amount 883C $36.0M
Other Comprehensive Income (unless already included in item 33 or 34) 945B $119K
NCUA form-section FS220B (30 items)

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

Arbor Financial 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 $4K
Amount of Delinquent Unsecured Credit Card Loans as of - 6 to less than 12 months delinquent 027B $64K
Amount of Delinquent Unsecured Credit Card Loans as of - 12 months and over delinquent 028B $27K
Number - Total Delinquent Credit Card Loans 045A 41
Total Amount of Delinquent Unsecured Credit Card Loans 045B $267K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $58.0M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $58.0M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $712.5M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $92K
All other shares - < 1 Year 630A $12.8M
Amount of Regular Shares - < 1 Year 657A $392.0M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $323K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $89K
Total Amount of All First Mortgage Loans which have been sold in the secondary market year-to-date 736 $14.7M
Total Borrowings - > 3 Years 860B2 $36.0M
Is your credit union a member of a Federal Home Loan Bank? 896 $1
Amount of Share Drafts - < 1 Year 902A $189.5M
IRA/KEOGH Accounts - 1-3 Years 906B1 $1.1M
IRA/KEOGH Accounts - > 3 Years 906B2 $267K
Total Amount of IRA/KEOGH Accounts 906C $17.6M
Share Certificates - 1-3 Years 908B1 $5.0M
Share Certificates - > 3 Years 908B2 $872K
Money Market Shares - < 1 Year 911A $67.6M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $7.8M
Number of New Vehicle Loans 958 408
Total Shares 966 $112K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $6.4M
Number of Unsecured Credit Card Loans 993 10,102
Number of All Other Unsecured Loans/Lines of Credit 994 5,034
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 34
NCUA form-section FS220C (8 items)

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

Arbor Financial 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
Total Amount of Indirect Loans Charged Off Year-to-Date 550E $127K
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $9K
Total Amount of All Year-to-Date Recoveries on Charged-Off Participation Loans 551F $8K
Number of credit union branches (include the main office if member services are conducted at that location) 566 13
Supplemental Share Information - Accts Held by Member Government Depositors 631 $40.3M
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $61.1M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $8.1M
NCUA form-section FS220D (25 items)

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

Arbor Financial Credit Union, NCUA form-section FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union plan to add any new branches or expand existing facilities in the next 12 months? 566B $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
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Mortgage Processing 879G $1
Approved Mortgage Seller 879H $1
Member Application 887A $1
Loan Application 887B $1
New Share Account 887E $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
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA form-section FS220G (9 items)

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

Arbor Financial Credit Union, NCUA form-section FS220G, Q2 2026
Line item Account Q2 2026
Total Outstanding Amount of Participation Loans Purchased By Type 691L $16.9M
Total Outstanding Amount of Participation Loans Sold By Type 691N $6.3M
Outstanding Amount of Real Estate Participation Loans Sold 691N2 $4.1M
Number of Outstanding Int Only & Payment Option 1st Mtg Loans 704C2 16
Amount of Outstanding Int Only & Payment Option 1st Mtg Loans Granted YTD 704C3 $4.8M
Total Value of Investments in CUSOs 851 $69K
Total Aggregate Cash Outlay in CUSOs 853 $45K
Assets Pledged to Secure Borrowings 878 $330.6M
Total Credit Lines at Corporate Credit Unions 884 $55.0M
NCUA form-section FS220H (3 items)

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

Arbor Financial Credit Union, NCUA form-section FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $235.6M
Total number of TDR loans outstanding 1000F $38
Total amount of TDR loans outstanding 1001F $6.1M
NCUA form-section FS220I (17 items)

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

Arbor Financial Credit Union, NCUA form-section FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $169K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $431K
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $95K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $88K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $11K
Number of Reportable Delinquent New Vehicle Loans 035E1 2
Number of Reportable Delinquent Used Vehicle Loans 035E2 15
Amount of Reportable Delinquent New Vehicle Loans 041C1 $95K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $240K
Amount of New Vehicle Loans YTD Charge Offs 550C1 $22K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $121K
Amount of New Vehicle Loans YTD Recoveries 551C1 $19K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $24K
Commercial Share Accounts 643 $31.9M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $144K
Draws Against LOCs from FHLB 885A3 $36.0M
Total Draws Againts LOCs 885A4 $36.0M
NCUA form-section FS220J (5 items)

investment portfolio detail (33%), insured and uninsured shares (33%), derivatives (25%)

Arbor Financial Credit Union, NCUA form-section FS220J, Q2 2026
Line item Account Q2 2026
Other Assets - Split Dollar Life Insurance Arrangements - Collateral Assignment 789E $4.7M
Other Assets - Split Dollar Life Insurance Arrangements Endorsement - Endorsement 789E1 $14.3M
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $19.0M
Total Derivative Transactions Outstanding - Total Derivatives - Total Notional Amount 1030 $5.1M
Total Derivative Transactions Outstanding - Total Derivatives - Net Fair Value Gain (Loss) 1030C $5.2M
NCUA form-section FS220L (53 items)

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

Arbor Financial Credit Union, NCUA form-section FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $24K
Total Amount of Loans & Leases on Loan Schedule 025B1 $685.2M
Outstanding Balance of purchased or participation interests in commercial loans Secured by Farmland to nonmembers 042A7 $6.6M
Amount of Agricultural Commercial Loans 042A9 $6.6M
Total number of commercial loans to members granted or purchased YTD 090A1 $14
Number of Member Unsecured Commercial Loans granted or purchased YTD 090C5 1
Number of member commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090H2 7
Number of member commercial loans Secured by Non-Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090J2 1
Total Number of member commercial real estate secured loans granted or purchased YTD 090K2 $11
Number of Member Commercial and industrial loans granted or purchased YTD 090L2 2
Number of member commercial loans Secured by Multifamily Property granted or purchased YTD 090M 3
Number of member construction and development commercial loans 143A3 3
Outstanding balance of member construction and development commercial loans 143B3 $1.1M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $83.1M
Amount of All Other Real Estate Loans/Lines of Credit 386B $8.3M
Total outstanding balance of commercial loans to members 400A1 $74.2M
Total outstanding balance of nonmember commercial loans 400B1 $16.9M
Outstanding balance of Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 400C6 $55K
Outstanding balance of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 400H2 $33.0M
Outstanding balance of purchased or participation interests in commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400H3 $8.5M
Outstanding balance of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 400J2 $19.6M
Outstanding balance of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400J3 $1.9M
Outstanding balance of Member Commercial and Industrial loans 400L2 $4.6M
Outstanding balance of member commercial loans Secured Multifamily Property 400M $15.9M
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $4.6M
Outstanding balance of all member and non-member commercial loans 400T1 $91.1M
Total Dollar amount of member commercial loans granted or purchased YTD 475A1 $4.4M
Dollar Amount of Member Unsecured Commercial Loans granted or purchased YTD 475C5 $10K
Dollar Amount of Member Commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 475H2 $2.9M
Dollar Amount of Member Commercial loans Secured by Non-Owner Occupied Non-Farm, Non-Residential Property granted or purchased YTD 475J2 $842K
Total Dollar amount of real estate secured member commercial loans granted or purchased YTD 475K2 $4.3M
Dollar Amount of Member Commercial and Industrial loans granted or purchased YTD 475L2 $120K
Dollar Amount of Member Commercial loans Secured by Multifamily Property granted or purchased YTD 475M $504K
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 650.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 825.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 675.00%
Interest Rate of All Other Real Estate Loans/Lines of Credit 562B 600.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 688.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 899.00%
Number of Commercial Small Business Administration Loans Outstanding 691B1 13
Outstanding Balance of Commercial Small Business Administration Loans 691C1 $3.5M
Guaranteed Portion of Commercial Small Business Administration Loans 691C2 $2.8M
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Purchased 691L8 $16.9M
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Sold 691N8 $2.2M
Number of Commercial Other Government Guaranteed Loans Outstanding 691P 18
Outstanding Balance of Commercial Other Government Guaranteed Loans 691P1 $7.5M
Guaranteed Portion of Commercial Other Government Guaranteed Loans 691P2 $7.5M
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $20.7M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $378.5M
Balance Outstanding of 1st Mtg Residential construction Loans - Excluding Commercial Purpose 704A2 $4.1M
Total Outstanding Balance of real estate secured member commercial loans 718A3 $69.6M
Total Outstanding Balance of real estate secured nonmember commercial loans 718A4 $16.9M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $86.5M
NCUA form-section FS220M (26 items)

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

Arbor Financial Credit Union, NCUA form-section FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $48.4M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $126.0M
Total Unfunded Commitments for Commercial Loans 814K $3.2M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $19.3M
Total Unfunded Commitments for Non-Commercial Loans 816T $232.4M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $38.7M
Total number of member commercial loans 900A1 $185
Total number of nonmember commercial loans 900B1 $28
Number of Member Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 900C6 1
Number of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 900H2 49
Number of purchased or participation interests in commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900H3 8
Number of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 900J2 27
Number of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900J3 3
Total number of real estate secured member commercial loans 900K2 $128
Total number of real estate secured nonmember commercial loans 900K3 $28
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 156
Number of Member Commercial and Industrial loans 900L2 56
Number of member commercial loans Secured by Multifamily Property 900M 49
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 58
Total Number of Member and Nonmember commercial loans 900T1 $213
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 2,868
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 1,936
Number of All Other Real Estate Loans/Lines of Credit 960B 60
Number of purchased or participation interests in commercial loans secured by Farmland to nonmembers 961A7 17
Number of Agricultural Commercial Loans 961A9 17
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 747
NCUA form-section FS220N (12 items)

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

Arbor Financial Credit Union, NCUA form-section FS220N, Q2 2026
Line item Account Q2 2026
Available-for-sale Debt Securities <=1 Year AS0062 $7.6M
Available-for-sale Debt Securities >1 and <=3 Years AS0063 $8.2M
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $11.8M
Available-for-sale Debt Securities >5 and <= 10 Years AS0065 $67.6M
Available-for-sale Debt Securities > 10 Years AS0066 $18.7M
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$15.6M
Total Liabilities LI0069 $819.1M
Number of Non-Commercial Other Government Guaranteed Loans LN0053 2
Outstanding Balance of Non-Commercial Other Government Guaranteed Loans LN0054 $73K
Guaranteed Portion of Non-Commercial Other Government Guaranteed Loans LN0055 $73K
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $1.8M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $899.0M
NCUA form-section FS220P (57 items)

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

Arbor Financial 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 $314K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $39K
Loan Loss Information - YTD Charge Offs - All Other Secured Non-Real Estate Loans/Lines of Credit CH0015 $27K
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $28K
Loan Loss Information - YTD Recoveries - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien CH0018 $1K
Loan Loss Information - YTD Charge Offs - Commercial Loans/Lines of Credit Secured by Owner Occupied, Non-Farm, Non-Residential Property CH0029 $38K
Loan Loss Information - YTD Recoveries - Commercial Loans/Lines of Credit Secured by Owner Occupied, Non-Farm, Non-Residential Property CH0030 $8K
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $71.5M
Unsecured Credit Card Loans DL0002 $172K
All Other Unsecured Loans/Lines of Credit DL0022 $118K
All Other Unsecured Loans/Lines of Credit DL0023 $62K
All Other Unsecured Loans/Lines of Credit DL0024 $24K
All Other Unsecured Loans/Lines of Credit DL0027 $86K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $20
Used Vehicle Loans DL0037 $141K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $197K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $7K
Delinquent Loans by Collateral Type - >=360 days - All Other Secured Non-Real Estate Loans/Lines of Credit DL0054 $24K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $31K
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 - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $1.1M
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $740K
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0060 $228K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0062 $2.0M
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0063 $14
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $748K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0065 $808K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0066 $258K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0069 $1.1M
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0070 $17
Dollar Amount of Reportable Delinquency - 60 - 89 Days Delinquent - All Other (Non-Commercial) Real Estate Loans/Lines of Credit DL0072 $72K
Dollar Amount of Reportable Delinquency - 180 - 359 Days Delinquent - All Other (Non-Commercial) Real Estate Loans/Lines of Credit DL0074 $14K
Total Dollar Amount of Reportable Delinquency - All Other (Non-Commercial) Real Estate Loans/Lines of Credit DL0076 $86K
Total Number of Reportable Delinquent Loans - All Other (Non-Commercial) Real Estate Loans/Lines of Credit DL0077 $2
Dollar Amount of Reportable Delinquency - 30 - 59 Days Delinquent - Commercial Loans/Lines of Credit Secured by Multifamily DL0092 $207K
Dollar Amount of Reportable Delinquency - 90 - 179 Days Delinquent - Commercial Loans/Lines of Credit Secured by Multifamily DL0094 $1.8M
Total Dollar Amount of Reportable Delinquency - Commercial Loans/Lines of Credit Secured by Multifamily DL0097 $1.8M
Total Number of Reportable Delinquent Loans - Commercial Loans/Lines of Credit Secured by Multifamily DL0098 $2
Dollar Amount of Reportable Delinquency - >=360 Days Delinquent - Commercial Loans/Lines of Credit Secured by Owner Occupied, Non-Farm, Non-Residential Property DL0103 $6.7M
Total Dollar Amount of Reportable Delinquency - Commercial Loans/Lines of Credit Secured by Owner Occupied, Non-Farm, Non-Residential Property DL0104 $6.7M
Total Number of Reportable Delinquent Loans - Commercial Loans/Lines of Credit Secured by Owner Occupied, Non-Farm, Non-Residential Property DL0105 $5
Dollar Amount of Reportable Delinquency - 30 - 59 Days Delinquent - Commercial Loans/Lines of Credit Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property DL0106 $132K
Dollar Amount of Reportable Delinquency - 30 - 59 Days Delinquent - Commercial Loans/Lines of Credit - Commercial and Industrial Loans DL0120 $117K
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $2.3M
Amount of reportable delinquency included in Total Delinquent Loans and Leases (Account 041B), that relates to: Participation Loans Purchased under 701.22 DL0142 $6.7M
Amount of Consumer Loans in Non-Accrual Status DL0145 $1.6M
Amount of Commercial Loans in Non-Accrual Status DL0146 $8.5M
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Number of Modified Loans DL0148 $2
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Amount of Modified Loans DL0149 $1.2M
Loan Pipeline Management Derivatives Total Notional Amount DT0011 $5.1M
Loan Pipeline Management Derivatives Net Fair Value Gain (Loss) DT0012 $5.2M
Number of Indirect Loans - All Other Loans IN0007 896
Amount of Indirect Loans - All Other Loans IN0008 $13.2M
Off-Balance Sheet Exposures - Totally Unconditionally Cancelable Unfunded Commitments for All Loan Types LQ0013 $184.0M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Commercial Loans LQ0014 $3.2M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Secured and Real Estate LQ0015 $48.4M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments -Total LQ0017 $51.7M
NCUA form-section FS220Q (32 items)

investment portfolio detail (69%)

Arbor Financial Credit Union, NCUA form-section FS220Q, Q2 2026
Line item Account Q2 2026
Off-Balance Sheet Exposures - Financial Standby Letters of Credit LQ0022 $74K
Borrowing Arrangements - Line of Credit Limit - Federal Home Loan Bank LQ0040 $181.1M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Federal Home Loan Bank LQ0043 $221.7M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - FRB LQ0047 $108.9M
Total Borrowings LQ0860 $36.0M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0015 $22.9M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0016 $20.7M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0019 $106.1M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0020 $92.6M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0023 $128.9M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0024 $113.4M
Available-for-sale Amortized Cost - Securities Issued by States and Political Subdivisions in the U.S. NV0071 $500K
Available-for-sale Fair Value - Securities Issued by States and Political Subdivisions in the U.S. NV0072 $493K
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $129.4M
Total Fair Value Available-for-Sale Debt Securities NV0084 $113.9M
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $113.9M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $9.1M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $9.1M
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $7.6M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $17.3M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $11.8M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $67.6M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $18.7M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $122.9M
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Collateral Assignment - Cash Surrender Value NV0170 $4.7M
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Endorsement - Cash Surrender Value NV0173 $14.3M
RBC Total Equity RB0001 $95.4M
RBC Allowance for Credit Losses RB0002 $7.2M
RBC Total Additions RB0005 $7.2M
RBC Total Deductions RB0009 $6.9M
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $95.7M
RBC Risk-Based Capital Numerator RB0012 $95.7M
NCUA form-section FS220R (66 items)

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

Arbor Financial Credit Union, NCUA form-section FS220R, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Total Borrowing Capacity at Federal Reserve Bank LQ0061 $108.9M
CCULR Election to opt into the Complex Credit Union Leverage Ratio LR0001 1.00%
CCULR Off-Balance sheet exposures LR0002 $51.7M
CCULR Off-Balance sheet exposures ratio LR0003 575.00%
RBC Schedule Total Investments RB0039 $122.9M
RBC Schedule Total Consumer Loans RB0060 $132.5M
RBC Schedule Total Commercial Loans RB0068 $91.1M
RBC Adjustments to Loans Held for Sale RB0075 -$1.2M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $7.2M
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $7.2M
RBC Schedule Total Loans RB0079 $679.3M
RBC Adjustments to Total Loans RB0080 -$1.2M
RBC Total for Risk Weighting Total Loans RB0081 -$7.2M
RBC Total Loans 0% Weight RB0082 -$7.2M
RBC Schedule Total Other Assets RB0088 $53.0M
RBC Total for Risk Weighting Other Assets RB0090 $6.9M
RBC Other Assets 0% Weight RB0091 $6.9M
RBC Total from Schedule On-Balance Sheet Assets RB0099 $899.0M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 -$299K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 -$299K
RBC All other off-balance sheet exposures RB0133 $74K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $899.0M
RBC Allowance for Credit Losses (Loans) RB0177 $7.2M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 1,237.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 223,262,367.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 34,871,963.00%
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 1,385.00%
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 95,627,063.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 2,293,735.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid >5 Years RL0007 $201
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0008 $50.9M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0009 $7.5M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0010 $34
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0011 $8.6M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Balloon/Hybrid 5 Years or Less RL0012 $1.0M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $378.5M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $45.7M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 518.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 25,009,651.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 3,196,210.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 985.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 58,131,020.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 11,034,770.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $83.1M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $14.2M
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Number of Loans Outstanding RL0032 60.00%
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Amount of Loans Outstanding RL0033 8,284,753.00%
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Amount of Loans Granted YTD RL0034 166,000.00%
All Other (Non-commercial) Real Estate - Amount of Loans Outstanding - Total RL0044 $8.3M
All Other (Non-commercial) Real Estate - Amount of Loans Granted YTD - Total RL0045 $166K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $4K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $469.9M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $60.1M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $127.8M
Total Shares SH0013 $770.6M
Total Shares and Deposits SH0018 $770.6M
Number of Outstanding Loans Purchased from Other Financial Institutions SL0018 22
Amount of Outstanding Loans Purchased from Other Financial Institutions SL0019 $8.3M
Number of Loans Sold, Year-to-date SL0022 52
Amount of Loans Sold, Year-to-date SL0023 $14.7M
Number of First Mortgage loans sold on the secondary market, Year-to-date SL0024 52
Number of Real Estate Loans Sold with Servicing Retained, Year-to-date SL0028 52
Amount of Real Estate Loans Sold with Servicing Retained, Year-to-date SL0029 $14.7M
Number of Outstanding Real Estate Loans Sold with Servicing Retained SL0030 2,123
Number of Outstanding All Other Loans Sold with Servicing Retained SL0034 4
Amount of Outstanding All Other Loans Sold with Servicing Retained SL0035 $1.1M
NCUA form-section FS220S (6 items)

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

Arbor Financial 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
Unsecured personal loans PP0041 $1
Person-to-Person payments PP0045 $1
Located in Metropolitan Statistical Area (MSA) PR0001 $1
home purchase loan or refinanced a home purchase loan PR0002 $1
Originated closed-end mortgages in each of the two preceding calendar years or originated open-end lines of credit in each of the two preceding calendar years in excess of the HMDA Loan-Volume Threshold? PR0003 $1

Arbor Financial 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 Arbor Financial Credit Union call report?

The Arbor Financial 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 Arbor Financial Credit Union file?

Arbor Financial 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 Arbor Financial 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 Arbor Financial Credit Union is 61708.

How often does Arbor Financial Credit Union file a call report?

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

Arbor Financial Credit Union financials and ratios →

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