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Credit union call report ยท Salamanca, NY

C C S E Federal Credit Union Call Report

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C C S E Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 245 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

C C S E Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number22754
Federal Reserve RSSD ID461982

The official copy: search charter number 22754 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

C C S E Federal Credit Union call report, Q2 2026

Statement of Financial Condition (29 items)
C C S E Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $740K
1c. Total Cash on Hand 730A $740K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $2.8M
2c. Cash on Deposit in Other Financial Institutions 730B2 $128K
2. Cash on Deposit (total) 730B $2.9M
3. Time Deposits in Banks and Credit Unions AS0007 $25.6M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $29.3M
9. Held-to-Maturity Debt Securities AS0073 $1.5M
11. TOTAL INVESTMENT SECURITIES AS0013 $1.5M
12b. Perpetual Contributed Capital 769B $180K
13. TOTAL OTHER INVESTMENTS AS0017 $180K
15a. Number of Total Loans and Leases 025A 2,048
15b. Total Loans and Leases 025B $29.1M
17. ACL on Loans and Leases AS0048 $151K
19. Land and Building 007 $451K
20. Other Fixed Assets 008 $101K
21. NCUA Share Insurance Capitalization Deposit 794 $543K
22d. Accrued Interest on Loans 009A $29K
22e. Accrued Interest on Investments 009B $3K
22f. All Other Assets 009C $46K
22g. Total Other Assets AS0036 $78K
23. TOTAL ASSETS 010 $61.1M
Accounts Payable and Other Liabilities 825 $11K
Member Shares of All Types 013 $54.4M
Total Shares and Deposits 018 $54.4M
Undivided Earnings 940 $6.7M
Total Net Worth 997 $6.7M
Net Worth Ratio 998 10.94%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $61.1M
Statement of Income and Expense (22 items)
C C S E Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $857K
3. Income from Investments 120 $460K
5. TOTAL INTEREST INCOME 115 $1.3M
6. Dividends on Shares 380 $215K
9. TOTAL INTEREST EXPENSE 350 $215K
10. NET INTEREST INCOME IS0010 $1.1M
12a. Credit Loss Expense - Loans and Leases IS0011 $132K
12e. Total Credit Loss Expense IS0017 $132K
13. Fee Income 131 $130K
14. Other Operating Income IS0020 $218K
23. TOTAL NON-INTEREST INCOME 117 $348K
24. Employee Compensation and Benefits 210 $328K
25. Travel and Conference 230 $17K
26. Office Occupancy 250 $94K
27. Office Operations 260 $386K
28. Educational and Promotional 270 $11K
29. Loan Servicing 280 $76K
30. Professional and Outside Services 290 $32K
32. Operating Fees 320 $20K
33. Miscellaneous Operating Expense 360 $2K
34. TOTAL NON-INTEREST EXPENSE 671 $966K
35. NET INCOME 661A $352K
Statement pages - all other filed accounts (18 items)

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

C C S E 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 $150K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $79K
Loans Granted Year-to-Date 031A $323
Amount of Loans Granted Year-to-Date 031B $6.7M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $108K
Number of current members (not number of accounts) 083 5,863
Number of potential members 084 6,600
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,226.00%
Interest Rate of New Vehicle Loans 523 461.00%
Interest Rate of Used Vehicle Loans 524 572.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $97K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $4K
Amount of Regular Shares 657 $25.3M
Amount of Share Drafts 902 $14.6M
Share Certificates - < 1 Year 908A $4.7M
Total Amount of Share Certificates 908C $7.2M
Total Amount of Money Market Shares 911 $7.3M
Number of Used Vehicle Loans 968 629
NCUA data file FS220A (18 items)

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

C C S E Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $51.9M
Total Shares - 1-3 Years 013B1 $2.5M
Total Shares and Deposits - < 1 Year 018A $51.9M
Total Shares and Deposits - 1-3 Years 018B1 $2.5M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 13
Effective date of last audit 063 $112K
Amount of Used Vehicle Loans 370 $10.8M
Amount of New Vehicle Loans 385 $4.3M
Amount of All Other Unsecured Loans/Lines of Credit 397 $3.4M
Share Certificates 451 $457
Number of Accounts for Share Drafts 452 4,126
Number of Accounts for Regular Shares 454 5,635
Money Market Shares 458 $104
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 10,322
Number of credit union employees who are Full-Time (26 hours or more) 564A 10
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $255K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,800.00%
Total credit lines 881 $9.0M
NCUA data file FS220B (14 items)

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

C C S E 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 $53.7M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $62K
Amount of Regular Shares - < 1 Year 657A $25.3M
Fair value of Held to Maturity Securities 801 $1.5M
Amount of Share Drafts - < 1 Year 902A $14.6M
Share Certificates - 1-3 Years 908B1 $2.5M
Money Market Shares - < 1 Year 911A $7.3M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $528K
Number of New Vehicle Loans 958 172
Total Shares 966 $10K
Number of All Other Unsecured Loans/Lines of Credit 994 883
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 25
NCUA data file FS220C (4 items)

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

C C S E 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 1
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $2.4M
Outstanding balance of brokered certificates of deposit and share certificates 788 $3.0M
NCUA data file FS220D (26 items)

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

C C S E 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
Credit Management and Repair 879B6 $1
Online Financial Literacy 879B7 $1
No Cost Bill Payer 879C2 $1
Credit Builder 879D1 $1
Deposits and Shares Meeting 703.10(a) 879M $1
Brokered Certificates of Deposits 879N $1
International Remittances 879V $1
Low-cost wire transfers 879W $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
Offer Non-Custodial Accounts PP0033 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA data file FS220G (1 item)

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

C C S E Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Credit Lines at Corporate Credit Unions 884 $9.0M
NCUA data file FS220H (6 items)

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

C C S E Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Interest Rate on Non-Federally Guaranteed Student Loans 595A 778.00%
Amount of Non-Federally Guaranteed Student Loans 698A $651K
Total Unfunded Commitments for all loan types 816A $3.8M
Number of Non-Federally Guaranteed Student Loans 963A 23
Total number of TDR loans outstanding 1000F $7
Total amount of TDR loans outstanding 1001F $74K
NCUA data file FS220I (8 items)

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

C C S E Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $36K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $35K
Number of Reportable Delinquent Used Vehicle Loans 035E2 4
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $56K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $66K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $3K
Commercial Share Accounts 643 $978K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $9K
NCUA data file FS220L (8 items)

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

C C S E Federal Credit Union, NCUA data file 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 $29.1M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $952K
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 556.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 506.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 565.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $1.7M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $7.3M
NCUA data file FS220M (8 items)

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

C C S E Federal Credit Union, NCUA data file 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 $1.3M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $1.6M
Total Other Unfunded Commitments (Non-Commercial) 816B5 $844K
Total Unfunded Commitments for Non-Commercial Loans 816T $3.8M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $134K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 154
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 27
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 160
NCUA data file FS220N (5 items)

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

C C S E Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Held-to-Maturity Debt Securities <=1 Year AS0068 $750K
Held-to-Maturity Debt Securities >5 and <= 10 Years AS0071 $740K
Total Liabilities LI0069 $54.4M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $7K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $61.1M
NCUA data file FS220P (14 items)

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

C C S E 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 $31K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $790
All Other Unsecured Loans/Lines of Credit DL0022 $39K
All Other Unsecured Loans/Lines of Credit DL0023 $8K
All Other Unsecured Loans/Lines of Credit DL0024 $32K
All Other Unsecured Loans/Lines of Credit DL0027 $40K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $8
Used Vehicle Loans DL0037 $21K
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $75K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $12K
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 $12K
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 $1
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $29K
Amount of Consumer Loans in Non-Accrual Status DL0145 $79K
NCUA data file FS220Q (25 items)

investment portfolio detail (69%)

C C S E Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Held-to-maturity Amortized Cost - US Government Obligations NV0001 $750K
Held-to-maturity Fair Value - US Government Obligations NV0002 $738K
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0017 $740K
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0018 $738K
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0021 $740K
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0022 $738K
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $1.5M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $9.2M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $11.2M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $5.2M
Investment Maturity Distribution - Time Deposits - Total NV0116 $25.6M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $1.5M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - <=1 Year NV0141 $180K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $180K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $10.1M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $11.2M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $5.2M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $740K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $27.2M
RBC Total Equity RB0001 $6.7M
RBC Allowance for Credit Losses RB0002 $151K
RBC Total Additions RB0005 $151K
RBC Total Deductions RB0009 $543K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $6.3M
RBC Risk-Based Capital Numerator RB0012 $6.3M
NCUA data file FS220R (39 items)

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

C C S E Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $1.7M
RBC Schedule Total Consumer Loans RB0060 $20.9M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $151K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $151K
RBC Schedule Total Loans RB0079 $29.0M
RBC Total for Risk Weighting Total Loans RB0081 -$151K
RBC Total Loans 0% Weight RB0082 -$151K
RBC Schedule Total Other Assets RB0088 $1.2M
RBC Total for Risk Weighting Other Assets RB0090 $543K
RBC Other Assets 0% Weight RB0091 $543K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $61.1M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $392K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $392K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $61.1M
RBC Allowance for Credit Losses (Loans) RB0177 $151K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 20.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 1,645,120.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 58.00%
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 123.00%
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 4,978,379.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 16,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 11.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 694,078.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Adjustable Rate RL0015 544,500.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $7.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $561K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 22.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 870,831.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 320,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 5.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 80,949.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $952K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $320K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $181
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $8.3M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $881K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $3.7M
Total Shares SH0013 $54.4M
Total Shares and Deposits SH0018 $54.4M

C C S E 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 C C S E Federal Credit Union call report?

The C C S E 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 C C S E Federal Credit Union file?

C C S E 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 C C S E 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 C C S E Federal Credit Union is 22754.

How often does C C S E Federal Credit Union file a call report?

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

C C S E Federal Credit Union financials and ratios →

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