Skip to main content

Credit union call report ยท Charlotte, NC

Charlotte Fire Department Credit Union Call Report

BankRegReports is independent of Charlotte Fire Department Credit Union and never asks for online banking logins or passwords.

Charlotte Fire Department Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 236 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Charlotte Fire Department Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number63566
Federal Reserve RSSD ID955892

The official copy: search charter number 63566 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Charlotte Fire Department Credit Union call report, Q2 2026

Statement of Financial Condition (29 items)
Charlotte Fire Department Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $520K
1c. Total Cash on Hand 730A $520K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $8.3M
2. Cash on Deposit (total) 730B $8.3M
4. All Other Deposits AS0008 $2.6M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $11.5M
8. Available-for-Sale Debt Securities AS0067 $24.4M
11. TOTAL INVESTMENT SECURITIES AS0013 $24.4M
12b. Perpetual Contributed Capital 769B $370K
13. TOTAL OTHER INVESTMENTS AS0017 $370K
15a. Number of Total Loans and Leases 025A 1,419
15b. Total Loans and Leases 025B $18.8M
17. ACL on Loans and Leases AS0048 $44K
19. Land and Building 007 $239K
20. Other Fixed Assets 008 $99K
21. NCUA Share Insurance Capitalization Deposit 794 $446K
22d. Accrued Interest on Loans 009A $30K
22e. Accrued Interest on Investments 009B $97K
22f. All Other Assets 009C $80K
22g. Total Other Assets AS0036 $206K
23. TOTAL ASSETS 010 $56.0M
Accounts Payable and Other Liabilities 825 $481K
Member Shares of All Types 013 $47.8M
Total Shares and Deposits 018 $47.8M
Undivided Earnings 940 $7.6M
Net Income (equity) 602 $243K
Total Net Worth 997 $7.8M
Net Worth Ratio 998 14.00%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $56.0M
Statement of Income and Expense (23 items)
Charlotte Fire Department Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $741K
3. Income from Investments 120 $534K
5. TOTAL INTEREST INCOME 115 $1.3M
6. Dividends on Shares 380 $263K
9. TOTAL INTEREST EXPENSE 350 $263K
10. NET INTEREST INCOME IS0010 $1.0M
12a. Credit Loss Expense - Loans and Leases IS0011 $1K
12d. Credit Loss Expense - Off-Balance-Sheet IS0016 $3K
12e. Total Credit Loss Expense IS0017 $5K
13. Fee Income 131 $112K
14. Other Operating Income IS0020 $15K
23. TOTAL NON-INTEREST INCOME 117 $127K
24. Employee Compensation and Benefits 210 $497K
25. Travel and Conference 230 $26K
26. Office Occupancy 250 $53K
27. Office Operations 260 $92K
28. Educational and Promotional 270 $11K
29. Loan Servicing 280 $77K
30. Professional and Outside Services 290 $103K
32. Operating Fees 320 $6K
33. Miscellaneous Operating Expense 360 $26K
34. TOTAL NON-INTEREST EXPENSE 671 $891K
35. NET INCOME 661A $243K
Statement pages - all other filed accounts (20 items)

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

Charlotte Fire Department 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 $16K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $197K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $32K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $512
Loans Granted Year-to-Date 031A $351
Amount of Loans Granted Year-to-Date 031B $2.8M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $299K
Number of current members (not number of accounts) 083 3,010
Number of potential members 084 5,500
Net Member Business Loan Balance 400A $32K
Interest Rate of Unsecured Credit Card Loans 521 1,400.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,518.00%
Interest Rate of New Vehicle Loans 523 613.00%
Interest Rate of Used Vehicle Loans 524 678.00%
Amount of Regular Shares 657 $26.7M
Amount of Share Drafts 902 $7.5M
IRA/KEOGH Accounts - < 1 Year 906A $922K
Share Certificates - < 1 Year 908A $12.1M
Total Amount of Share Certificates 908C $12.7M
Number of Used Vehicle Loans 968 426
NCUA data file FS220A (17 items)

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

Charlotte Fire Department Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $47.1M
Total Shares - 1-3 Years 013B1 $623K
Total Shares and Deposits - < 1 Year 018A $47.1M
Total Shares and Deposits - 1-3 Years 018B1 $623K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 6
Effective date of last audit 063 $92K
Amount of Used Vehicle Loans 370 $8.5M
Amount of New Vehicle Loans 385 $4.7M
Amount of Unsecured Credit Card Loans 396 $152K
Amount of All Other Unsecured Loans/Lines of Credit 397 $3.6M
Share Certificates 451 $282
Number of Accounts for Share Drafts 452 1,295
IRA/KEOGH Accounts 453 $62
Number of Accounts for Regular Shares 454 3,301
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 4,940
Number of credit union employees who are Full-Time (26 hours or more) 564A 8
Total credit lines 881 $6.0M
NCUA data file FS220B (15 items)

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

Charlotte Fire Department 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 $1.9M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $1.9M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $45.9M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $62K
Amount of Regular Shares - < 1 Year 657A $26.7M
Amount of Share Drafts - < 1 Year 902A $7.5M
Total Amount of IRA/KEOGH Accounts 906C $922K
Share Certificates - 1-3 Years 908B1 $623K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $250K
Number of New Vehicle Loans 958 158
Total Shares 966 $5K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $149K
Number of Unsecured Credit Card Loans 993 306
Number of All Other Unsecured Loans/Lines of Credit 994 477
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 14
NCUA data file FS220C (4 items)

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

Charlotte Fire Department 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 2
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $7.1M
Outstanding balance of brokered certificates of deposit and share certificates 788 $23.1M
NCUA data file FS220D (19 items)

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

Charlotte Fire Department 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
Credit Management and Repair 879B6 $1
No Cost Bill Payer 879C2 $1
Brokered Certificates of Deposits 879N $1
International Remittances 879V $1
Low-cost wire transfers 879W $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $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
NCUA data file FS220G (3 items)

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

Charlotte Fire Department Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Outstanding Amount of Participation Loans Purchased By Type 691L $229K
Outstanding Amount of Real Estate Participation Loans Purchased 691L2 $229K
Total Credit Lines at Corporate Credit Unions 884 $6.0M
NCUA data file FS220H (3 items)

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

Charlotte Fire Department Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $5.9M
Total number of TDR loans outstanding 1000F $1
Total amount of TDR loans outstanding 1001F $149K
NCUA data file FS220I (8 items)

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

Charlotte Fire Department Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $42K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $5K
Number of Reportable Delinquent New Vehicle Loans 035E1 1
Number of Reportable Delinquent Used Vehicle Loans 035E2 1
Amount of Reportable Delinquent New Vehicle Loans 041C1 $42K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $5K
Commercial Share Accounts 643 $710K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $294
NCUA data file FS220L (8 items)

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

Charlotte Fire Department 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 $18.8M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $929K
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 775.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 468.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 433.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $331K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $679K
NCUA data file FS220M (8 items)

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

Charlotte Fire Department 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 $584K
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $1.4M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $73K
Total Other Unfunded Commitments (Non-Commercial) 816B5 $3.9M
Total Unfunded Commitments for Non-Commercial Loans 816T $5.9M
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 10
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 19
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 23
NCUA data file FS220N (7 items)

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

Charlotte Fire Department Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Available-for-sale Debt Securities <=1 Year AS0062 $6.2M
Available-for-sale Debt Securities >1 and <=3 Years AS0063 $14.2M
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $3.7M
Available-for-sale Debt Securities >5 and <= 10 Years AS0065 $242K
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$118K
Total Liabilities LI0069 $48.2M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $56.0M
NCUA data file FS220P (13 items)

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

Charlotte Fire Department Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
All Other Unsecured Loans/Lines of Credit DL0022 $15K
All Other Unsecured Loans/Lines of Credit DL0023 $9K
All Other Unsecured Loans/Lines of Credit DL0027 $9K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $1
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $60K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $149K
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0060 $32K
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 $242K
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 $3
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $70K
Amount of Consumer Loans in Non-Accrual Status DL0145 $229K
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Number of Modified Loans DL0148 $1
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Amount of Modified Loans DL0149 $149K
NCUA data file FS220Q (24 items)

investment portfolio detail (69%)

Charlotte Fire Department Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Available-for-sale Amortized Cost - US Government Obligations NV0003 $499K
Available-for-sale Fair Value - US Government Obligations NV0004 $499K
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0015 $751K
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0016 $751K
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0023 $751K
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0024 $751K
Available-for-sale Amortized Cost - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0079 $23.1M
Available-for-sale Fair Value - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0080 $23.1M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $24.4M
Total Fair Value Available-for-Sale Debt Securities NV0084 $24.4M
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $24.4M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $370K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $370K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $6.2M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $14.6M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $3.7M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $242K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $24.7M
RBC Total Equity RB0001 $7.8M
RBC Allowance for Credit Losses RB0002 $44K
RBC Total Additions RB0005 $44K
RBC Total Deductions RB0009 $446K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $7.4M
RBC Risk-Based Capital Numerator RB0012 $7.4M
NCUA data file FS220R (35 items)

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

Charlotte Fire Department Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $24.7M
RBC Schedule Total Consumer Loans RB0060 $17.2M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $44K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $44K
RBC Schedule Total Loans RB0079 $18.8M
RBC Total for Risk Weighting Total Loans RB0081 -$44K
RBC Total Loans 0% Weight RB0082 -$44K
RBC Schedule Total Other Assets RB0088 $990K
RBC Total for Risk Weighting Other Assets RB0090 $446K
RBC Other Assets 0% Weight RB0091 $446K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $56.0M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $401K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $401K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $56.0M
RBC Allowance for Credit Losses (Loans) RB0177 $44K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 2.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 209,432.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 8.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 469,560.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Adjustable Rate RL0015 51,700.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $679K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $52K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 19.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 928,799.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 166,700.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $929K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $167K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $29
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $1.6M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $218K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $1.4M
Total Shares SH0013 $47.8M
Total Shares and Deposits SH0018 $47.8M
Number of Outstanding Loans Purchased from Other Financial Institutions SL0018 1
Amount of Outstanding Loans Purchased from Other Financial Institutions SL0019 $229K

Charlotte Fire Department 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 Charlotte Fire Department Credit Union call report?

The Charlotte Fire Department 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 Charlotte Fire Department Credit Union file?

Charlotte Fire Department 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 Charlotte Fire Department 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 Charlotte Fire Department Credit Union is 63566.

How often does Charlotte Fire Department Credit Union file a call report?

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

Charlotte Fire Department Credit Union financials and ratios →

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