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Credit union call report ยท Canandaigua, NY

Canandaigua Federal Credit Union Call Report

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Canandaigua 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.

Canandaigua Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number16176
Federal Reserve RSSD ID761187

The official copy: search charter number 16176 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Canandaigua Federal Credit Union call report, Q2 2026

Statement of Financial Condition (31 items)
Canandaigua Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $120K
1c. Total Cash on Hand 730A $120K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $1.8M
2b. Cash on Deposit in Federal Reserve Bank AS0003 $286K
2. Cash on Deposit (total) 730B $2.1M
3. Time Deposits in Banks and Credit Unions AS0007 $13.0M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $15.2M
9. Held-to-Maturity Debt Securities AS0073 $400K
11. TOTAL INVESTMENT SECURITIES AS0013 $400K
12b. Perpetual Contributed Capital 769B $22K
13. TOTAL OTHER INVESTMENTS AS0017 $22K
15a. Number of Total Loans and Leases 025A 1,363
15b. Total Loans and Leases 025B $9.8M
17. ACL on Loans and Leases AS0048 $170K
19. Land and Building 007 $1.5M
20. Other Fixed Assets 008 $5K
21. NCUA Share Insurance Capitalization Deposit 794 $234K
22d. Accrued Interest on Loans 009A $63K
22e. Accrued Interest on Investments 009B $45K
22f. All Other Assets 009C $2.4M
22g. Total Other Assets AS0036 $2.5M
23. TOTAL ASSETS 010 $29.5M
Accounts Payable and Other Liabilities 825 $1.4M
Accrued Dividends and Interest Payable 820A $19K
Member Shares of All Types 013 $24.8M
Total Shares and Deposits 018 $24.8M
Undivided Earnings 940 $2.7M
Other Reserves 658 $559K
Total Net Worth 997 $3.3M
Net Worth Ratio 998 11.10%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $29.5M
Statement of Income and Expense (23 items)
Canandaigua Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $284K
3. Income from Investments 120 $183K
5. TOTAL INTEREST INCOME 115 $467K
6. Dividends on Shares 380 $28K
8. Interest on Borrowed Money 340 $108
9. TOTAL INTEREST EXPENSE 350 $28K
10. NET INTEREST INCOME IS0010 $439K
12a. Credit Loss Expense - Loans and Leases IS0011 $8K
12e. Total Credit Loss Expense IS0017 $8K
13. Fee Income 131 $60K
14. Other Operating Income IS0020 $7K
23. TOTAL NON-INTEREST INCOME 117 $67K
24. Employee Compensation and Benefits 210 $168K
25. Travel and Conference 230 $15K
26. Office Occupancy 250 $16K
27. Office Operations 260 $42K
28. Educational and Promotional 270 $6K
29. Loan Servicing 280 $39K
30. Professional and Outside Services 290 $135K
32. Operating Fees 320 $3K
33. Miscellaneous Operating Expense 360 $3K
34. TOTAL NON-INTEREST EXPENSE 671 $428K
35. NET INCOME 661A $69K
Statement pages - all other filed accounts (23 items)

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

Canandaigua 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 $59K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $82K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $178K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $9K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $16K
Loans Granted Year-to-Date 031A $72
Amount of Loans Granted Year-to-Date 031B $1.5M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $338K
Number of current members (not number of accounts) 083 1,947
Number of potential members 084 10,000
Interest Rate of Unsecured Credit Card Loans 521 999.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,099.00%
Interest Rate of New Vehicle Loans 523 699.00%
Interest Rate of Used Vehicle Loans 524 899.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $16K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $2K
Total Amount of All Other Shares 630 $1.4M
Amount of Regular Shares 657 $14.1M
Amount of Share Drafts 902 $6.1M
IRA/KEOGH Accounts - < 1 Year 906A $458K
Share Certificates - < 1 Year 908A $597K
Total Amount of Share Certificates 908C $2.2M
Number of Used Vehicle Loans 968 213
NCUA data file FS220A (22 items)

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

Canandaigua Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $22.7M
Total Shares - 1-3 Years 013B1 $1.4M
Total Shares - > 3 Years 013B2 $743K
Total Shares and Deposits - < 1 Year 018A $22.7M
Total Shares and Deposits - 1-3 Years 018B1 $1.4M
Total Shares and Deposits - > 3 Years 018B2 $743K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 26
Effective date of last audit 063 $32K
Amount of Used Vehicle Loans 370 $3.2M
Amount of New Vehicle Loans 385 $981K
Amount of Unsecured Credit Card Loans 396 $695K
Amount of All Other Unsecured Loans/Lines of Credit 397 $1.7M
Share Certificates 451 $139
Number of Accounts for Share Drafts 452 1,026
IRA/KEOGH Accounts 453 $171
Number of Accounts for Regular Shares 454 1,947
All other shares 455 $321
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 3,604
Number of credit union employees who are Full-Time (26 hours or more) 564A 5
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $109K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,681.00%
Total credit lines 881 $2.0M
NCUA data file FS220B (22 items)

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

Canandaigua Federal Credit Union, NCUA data file 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 $9K
Amount of Delinquent Unsecured Credit Card Loans as of - 6 to less than 12 months delinquent 027B $8K
Number - Total Delinquent Credit Card Loans 045A 8
Total Amount of Delinquent Unsecured Credit Card Loans 045B $19K
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $24.8M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $122K
All other shares - < 1 Year 630A $1.4M
Amount of Regular Shares - < 1 Year 657A $14.1M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $10K
Fair value of Held to Maturity Securities 801 $400K
Amount of Share Drafts - < 1 Year 902A $6.1M
IRA/KEOGH Accounts - 1-3 Years 906B1 $356K
IRA/KEOGH Accounts - > 3 Years 906B2 $175K
Total Amount of IRA/KEOGH Accounts 906C $988K
Share Certificates - 1-3 Years 908B1 $1.0M
Share Certificates - > 3 Years 908B2 $569K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $434K
Number of New Vehicle Loans 958 41
Total Shares 966 $4K
Number of Unsecured Credit Card Loans 993 801
Number of All Other Unsecured Loans/Lines of Credit 994 231
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 10
NCUA data file FS220C (3 items)

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

Canandaigua 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 $4
Number of credit union branches (include the main office if member services are conducted at that location) 566 1
Outstanding balance of brokered certificates of deposit and share certificates 788 $13.0M
NCUA data file FS220D (21 items)

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

Canandaigua Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Financial Education 879B2 $1
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
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
NCUA data file FS220G (1 item)

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

Canandaigua Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Credit Lines at Corporate Credit Unions 884 $2.0M
NCUA data file FS220H (4 items)

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

Canandaigua Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Interest Rate on Non-Federally Guaranteed Student Loans 595A 600.00%
Amount of Non-Federally Guaranteed Student Loans 698A $177K
Total Unfunded Commitments for all loan types 816A $1.4M
Number of Non-Federally Guaranteed Student Loans 963A 10
NCUA data file FS220I (9 items)

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

Canandaigua 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 $18K
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $25K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $60K
Number of Reportable Delinquent New Vehicle Loans 035E1 2
Number of Reportable Delinquent Used Vehicle Loans 035E2 7
Amount of Reportable Delinquent New Vehicle Loans 041C1 $44K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $107K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $2K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $350
NCUA data file FS220J (2 items)

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

Canandaigua Federal Credit Union, NCUA data file FS220J, Q2 2026
Line item Account Q2 2026
Other Assets - Split Dollar Life Insurance Arrangements - Collateral Assignment 789E $850K
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $850K
NCUA data file FS220L (6 items)

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

Canandaigua Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $1K
Total Amount of Loans & Leases on Loan Schedule 025B1 $9.8M
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 400.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 600.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $552K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $2.6M
NCUA data file FS220M (5 items)

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

Canandaigua Federal Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $1.3M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $25K
Total Unfunded Commitments for Non-Commercial Loans 816T $1.4M
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 33
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 34
NCUA data file FS220N (4 items)

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

Canandaigua Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Held-to-Maturity Debt Securities >1 and <=3 Years AS0069 $400K
Total Liabilities LI0069 $26.2M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $70K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $29.5M
NCUA data file FS220P (20 items)

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

Canandaigua 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 $4K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $1K
Unsecured Credit Card Loans DL0002 $2K
All Other Unsecured Loans/Lines of Credit DL0022 $25K
All Other Unsecured Loans/Lines of Credit DL0024 $3K
All Other Unsecured Loans/Lines of Credit DL0025 $35K
All Other Unsecured Loans/Lines of Credit DL0026 $9K
All Other Unsecured Loans/Lines of Credit DL0027 $49K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $6
New Vehicle Loans DL0030 $19K
Used Vehicle Loans DL0037 $47K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0053 $5K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $5K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $1
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $45K
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0060 $70K
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 $115K
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 $2
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $68K
Amount of Consumer Loans in Non-Accrual Status DL0145 $338K
NCUA data file FS220Q (24 items)

investment portfolio detail (69%)

Canandaigua Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0013 $400K
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0014 $400K
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0021 $400K
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0022 $400K
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $400K
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $3.2M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $6.2M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $2.2M
Investment Maturity Distribution - Time Deposits - >5-10 Years NV0114 $1.2M
Investment Maturity Distribution - Time Deposits - Total NV0116 $13.0M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $400K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - <=1 Year NV0141 $22K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $22K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $3.3M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $6.7M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $2.2M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $1.2M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $13.4M
RBC Total Equity RB0001 $3.3M
RBC Allowance for Credit Losses RB0002 $170K
RBC Total Additions RB0005 $170K
RBC Total Deductions RB0009 $234K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $3.2M
RBC Risk-Based Capital Numerator RB0012 $3.2M
NCUA data file FS220R (25 items)

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

Canandaigua Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $422K
RBC Schedule Total Consumer Loans RB0060 $7.2M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $170K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $170K
RBC Schedule Total Loans RB0079 $9.7M
RBC Total for Risk Weighting Total Loans RB0081 -$170K
RBC Total Loans 0% Weight RB0082 -$170K
RBC Schedule Total Other Assets RB0088 $4.2M
RBC Total for Risk Weighting Other Assets RB0090 $234K
RBC Other Assets 0% Weight RB0091 $234K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $29.5M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $64K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $64K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $29.5M
RBC Allowance for Credit Losses (Loans) RB0177 $170K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 33.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 2,591,881.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 119,090.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $2.6M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $119K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $33
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $2.6M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $119K
Total Shares SH0013 $24.8M
Total Shares and Deposits SH0018 $24.8M

Canandaigua 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 Canandaigua Federal Credit Union call report?

The Canandaigua 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 Canandaigua Federal Credit Union file?

Canandaigua 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 Canandaigua 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 Canandaigua Federal Credit Union is 16176.

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

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

Canandaigua Federal Credit Union financials and ratios →

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