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Credit union call report ยท Raleigh, NC

Civic Federal Credit Union Call Report

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Civic Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 484 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Civic Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number24003
Federal Reserve RSSD ID815398

The official copy: search charter number 24003 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Civic Federal Credit Union call report, Q2 2026

Statement of Financial Condition (38 items)
Civic Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $7.7M
1c. Total Cash on Hand 730A $7.7M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $2.2M
2b. Cash on Deposit in Federal Reserve Bank AS0003 $56.7M
2c. Cash on Deposit in Other Financial Institutions 730B2 $3.1M
2. Cash on Deposit (total) 730B $62.0M
3. Time Deposits in Banks and Credit Unions AS0007 $250K
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $69.9M
8. Available-for-Sale Debt Securities AS0067 $75.5M
11. TOTAL INVESTMENT SECURITIES AS0013 $75.5M
12b. Perpetual Contributed Capital 769B $4.1M
12c. All Other Investments AS0016 $25.5M
13. TOTAL OTHER INVESTMENTS AS0017 $29.6M
15a. Number of Total Loans and Leases 025A 132,224
15b. Total Loans and Leases 025B $2.73B
17. ACL on Loans and Leases AS0048 $48.3M
18b. Foreclosed/Repossessed - Consumer RE AS0023 $2.1M
18c. Foreclosed/Repossessed - Vehicles AS0024 $1.2M
18e. Foreclosed/Repossessed Assets (total) 798A $3.3M
19. Land and Building 007 $77.1M
20. Other Fixed Assets 008 $15.9M
21. NCUA Share Insurance Capitalization Deposit 794 $25.0M
22d. Accrued Interest on Loans 009A $10.9M
22e. Accrued Interest on Investments 009B $448K
22f. All Other Assets 009C $76.7M
22g. Total Other Assets AS0036 $88.0M
23. TOTAL ASSETS 010 $3.07B
Accounts Payable and Other Liabilities 825 $34.4M
Accrued Dividends and Interest Payable 820A $272K
Borrowings (total) 860C $359.5M
Member Shares of All Types 013 $2.35B
Nonmember Deposits 880 $205.4M
Total Shares and Deposits 018 $2.56B
Undivided Earnings 940 $163.2M
Net Income (equity) 602 -$47.2M
Total Net Worth 997 $180.3M
Net Worth Ratio 998 5.87%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $3.07B
Statement of Income and Expense (27 items)
Civic Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $79.6M
3. Income from Investments 120 $2.4M
5. TOTAL INTEREST INCOME 115 $82.0M
6. Dividends on Shares 380 $32.4M
8. Interest on Borrowed Money 340 $11.0M
9. TOTAL INTEREST EXPENSE 350 $43.4M
10. NET INTEREST INCOME IS0010 $38.6M
12a. Credit Loss Expense - Loans and Leases IS0011 $34.9M
12e. Total Credit Loss Expense IS0017 $34.9M
13. Fee Income 131 $6.7M
14. Other Operating Income IS0020 $14.5M
18. Gain (Loss) on Disposition of Fixed Assets 430 $41K
19. Gain (Loss) on Sale of Loans IS0029 $52K
20. Gain (Loss) on Sales of Other Real Estate Owned IS0030 -$71K
23. TOTAL NON-INTEREST INCOME 117 $21.2M
24. Employee Compensation and Benefits 210 $33.4M
25. Travel and Conference 230 $247K
26. Office Occupancy 250 $3.6M
27. Office Operations 260 $14.2M
28. Educational and Promotional 270 $2.0M
29. Loan Servicing 280 $2.2M
30. Professional and Outside Services 290 $14.1M
31. Member Insurance 310 $19K
32. Operating Fees 320 $207K
33. Miscellaneous Operating Expense 360 $2.1M
34. TOTAL NON-INTEREST EXPENSE 671 $72.0M
35. NET INCOME 661A -$47.2M
Statement pages - all other filed accounts (27 items)

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

Civic 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 $134.6M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $62.5M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $31.1M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $20.1M
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $3.7M
Loans Granted Year-to-Date 031A $5K
Amount of Loans Granted Year-to-Date 031B $106.5M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $171.4M
Number of current members (not number of accounts) 083 336,107
Number of potential members 084 500,000
Net Member Business Loan Balance 400A $200.7M
Non-Member Deposits 457 $16
Interest Rate of Unsecured Credit Card Loans 521 1,375.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,075.00%
Interest Rate of New Vehicle Loans 523 525.00%
Interest Rate of Used Vehicle Loans 524 395.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $41.9M
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $6.1M
Total Amount of All Other Shares 630 $17.2M
Amount of Regular Shares 657 $384.8M
Balance Outstanding of All Interest Only & Payment Option 1st Mortgage Loans. 704C1 $7.2M
Amount of Share Drafts 902 $348.2M
IRA/KEOGH Accounts - < 1 Year 906A $89.1M
Share Certificates - < 1 Year 908A $717.6M
Total Amount of Share Certificates 908C $1.01B
Total Amount of Money Market Shares 911 $501.6M
Number of Used Vehicle Loans 968 16,494
NCUA data file FS220A (28 items)

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

Civic Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $2.06B
Total Shares - 1-3 Years 013B1 $282.3M
Total Shares - > 3 Years 013B2 $12.6M
Total Shares and Deposits - < 1 Year 018A $2.14B
Total Shares and Deposits - 1-3 Years 018B1 $406.5M
Total Shares and Deposits - > 3 Years 018B2 $12.6M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 9,781
Effective date of last audit 063 $62K
Amount of Used Vehicle Loans 370 $218.3M
Amount of New Vehicle Loans 385 $80.9M
Amount of Unsecured Credit Card Loans 396 $109.7M
Amount of All Other Unsecured Loans/Lines of Credit 397 $249.2M
Share Certificates 451 $26K
Number of Accounts for Share Drafts 452 173,243
IRA/KEOGH Accounts 453 $6K
Number of Accounts for Regular Shares 454 297,325
All other shares 455 $13K
Money Market Shares 458 $21K
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 536,589
Number of credit union employees who are Full-Time (26 hours or more) 564A 487
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $5.7M
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,582.00%
Total credit lines 881 $1.01B
Draws against lines of credit, less than 1 year 883A $97.0M
Draws against lines of credit, 1 to 3 years 883B1 $190.0M
Draws against lines of credit, more than 3 years 883B2 $20.0M
Draws against lines of credit, total amount 883C $307.0M
Total Subordinated Debt included in Net Worth 925A $52.5M
NCUA data file FS220B (36 items)

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

Civic 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 $3.1M
Amount of Delinquent Unsecured Credit Card Loans as of - 6 to less than 12 months delinquent 027B $3.4M
Amount of Delinquent Unsecured Credit Card Loans as of - 12 months and over delinquent 028B $13K
Number - Total Delinquent Credit Card Loans 045A 1,870
Total Amount of Delinquent Unsecured Credit Card Loans 045B $8.7M
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $230.4M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $230.4M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $2.33B
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $32K
All other shares - < 1 Year 630A $17.2M
Amount of Regular Shares - < 1 Year 657A $384.8M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $5.3M
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $462K
Total Amount of All First Mortgage Loans which have been sold in the secondary market year-to-date 736 $6.3M
Total Borrowings - < 1 Year 860A $97.0M
Total Borrowings - 1-3 Years 860B1 $190.0M
Total Borrowings - > 3 Years 860B2 $72.5M
Subordinated Debt - > 3 Years 867B2 $52.5M
Total Amount of Subordinated Debt 867C $52.5M
Non-Member Deposits - < 1 Year 880A $81.2M
Non-Member Deposits - 1-3 Years 880B1 $124.2M
Is your credit union a member of a Federal Home Loan Bank? 896 $1
Amount of Share Drafts - < 1 Year 902A $348.2M
IRA/KEOGH Accounts - 1-3 Years 906B1 $2.6M
IRA/KEOGH Accounts - > 3 Years 906B2 $506
Total Amount of IRA/KEOGH Accounts 906C $91.6M
Share Certificates - 1-3 Years 908B1 $279.7M
Share Certificates - > 3 Years 908B2 $12.6M
Money Market Shares - < 1 Year 911A $501.6M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $1.9M
Number of New Vehicle Loans 958 3,644
Total Shares 966 $537K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $23.4M
Number of Unsecured Credit Card Loans 993 30,476
Number of All Other Unsecured Loans/Lines of Credit 994 63,791
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 39
NCUA data file FS220C (5 items)

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

Civic 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 $1
Number of credit union branches (include the main office if member services are conducted at that location) 566 12
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $619.6M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $34.2M
Amount of Participation Loans Sold Year-to-Date 691 $6.0M
NCUA data file FS220D (32 items)

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

Civic Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Financial Education 879B2 $1
First Time Homebuyer Program 879B4 $1
Online Financial Literacy 879B7 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Credit Builder 879D1 $1
Mortgage Processing 879G $1
Approved Mortgage Seller 879H $1
Deposits and Shares Meeting 703.10(a) 879M $1
Brokered Deposits (All deposits acquired through a third party) 879T $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
External or Third-Party Account Aggregation 887M $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 Custodial Accounts PP0032 $1
Offer Non-Custodial Accounts PP0033 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
CU offer Shared service network PP0058 $1
NCUA data file FS220G (11 items)

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

Civic Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $11.7M
Total Outstanding Amount of Participation Loans Purchased By Type 691L $6.8M
Total Outstanding Amount of Participation Loans Sold By Type 691N $7.0M
Number of Outstanding Int Only & Payment Option 1st Mtg Loans 704C2 92
Amount of Outstanding Int Only & Payment Option 1st Mtg Loans Granted YTD 704C3 $3.5M
Total Value of Investments in CUSOs 851 $7.8M
Total Aggregate Cash Outlay in CUSOs 853 $3.9M
Assets Pledged to Secure Borrowings 878 $1.20B
Total Credit Lines at Corporate Credit Unions 884 $125.0M
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $11.7M
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $11.7M
NCUA data file FS220H (3 items)

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

Civic Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $428.1M
Total number of TDR loans outstanding 1000F $3K
Total amount of TDR loans outstanding 1001F $135.6M
NCUA data file FS220I (22 items)

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

Civic Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $3.9M
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $10.5M
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $1.4M
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $6.5M
Amount of New Vehicle Loans Delinquent 180 to 359 days 022C1 $601K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $2.0M
Amount of New Vehicle Loans Delinquent >=360 days 023C1 $85K
Amount of Used Vehicle Loans Delinquent >=360 days 023C2 $202K
Number of Reportable Delinquent New Vehicle Loans 035E1 169
Number of Reportable Delinquent Used Vehicle Loans 035E2 1,201
Amount of Reportable Delinquent New Vehicle Loans 041C1 $3.7M
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $14.6M
Amount of New Vehicle Loans YTD Charge Offs 550C1 $2.1M
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $11.6M
Amount of New Vehicle Loans YTD Recoveries 551C1 $1.2M
Amount of Used Vehicle Loans YTD Recoveries 551C2 $3.5M
Commercial Share Accounts 643 $98.5M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $659K
Total Other Credit Lines 884D $52.5M
Draws Against LOCs from Other Sources 885A2 $52.5M
Draws Against LOCs from FHLB 885A3 $307.0M
Total Draws Againts LOCs 885A4 $359.5M
NCUA data file FS220J (4 items)

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

Civic Federal Credit Union, NCUA data file FS220J, Q2 2026
Line item Account Q2 2026
Other Assets - Split Dollar Life Insurance Arrangements - Collateral Assignment 789E $22.5M
Other Assets - Other Insurance 789E2 $28.6M
Other Assets - Other Non-insurance 789F $45
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $51.2M
NCUA data file FS220L (37 items)

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

Civic Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $132K
Total Amount of Loans & Leases on Loan Schedule 025B1 $2.73B
Total number of commercial loans to members granted or purchased YTD 090A1 $26
Number of Member Unsecured Revolving Lines of Credit granted for Commercial Purposes granted or purchased YTD 090C6 10
Number of member commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090H2 3
Total Number of member commercial real estate secured loans granted or purchased YTD 090K2 $3
Number of Member Commercial and industrial loans granted or purchased YTD 090L2 13
Number of member construction and development commercial loans 143A3 4
Outstanding balance of member construction and development commercial loans 143B3 $4.4M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $295.8M
Amount of All Other Real Estate Loans/Lines of Credit 386B $26K
Total outstanding balance of commercial loans to members 400A1 $200.9M
Total outstanding balance of nonmember commercial loans 400B1 $6.8M
Outstanding balance of Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 400C6 $215K
Outstanding balance of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 400H2 $99.8M
Outstanding balance of purchased or participation interests in commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400H3 $6.8M
Outstanding balance of Member Commercial and Industrial loans 400L2 $96.5M
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $96.7M
Outstanding balance of all member and non-member commercial loans 400T1 $207.7M
Total Dollar amount of member commercial loans granted or purchased YTD 475A1 $4.5M
Dollar Amount of Member Commercial Unsecured Revolving Lines of Credit Granted or purchased YTD 475C6 $80K
Dollar Amount of Member Commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 475H2 $1.3M
Total Dollar amount of real estate secured member commercial loans granted or purchased YTD 475K2 $1.3M
Dollar Amount of Member Commercial and Industrial loans granted or purchased YTD 475L2 $3.1M
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 295.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 325.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 600.00%
Interest Rate of All Other Real Estate Loans/Lines of Credit 562B 325.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 325.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 425.00%
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Purchased 691L8 $6.8M
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Sold 691N8 $6.2M
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $2.0M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $1.57B
Total Outstanding Balance of real estate secured member commercial loans 718A3 $104.2M
Total Outstanding Balance of real estate secured nonmember commercial loans 718A4 $6.8M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $111.0M
NCUA data file FS220M (20 items)

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

Civic 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 $161.6M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $193.3M
Total Unfunded Commitments for Commercial Loans 814K $6.5M
Total Other Unfunded Commitments (Non-Commercial) 816B5 $66.7M
Total Unfunded Commitments for Non-Commercial Loans 816T $421.5M
Total number of member commercial loans 900A1 $514
Total number of nonmember commercial loans 900B1 $10
Number of Member Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 900C6 57
Number of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 900H2 105
Number of purchased or participation interests in commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900H3 10
Total number of real estate secured member commercial loans 900K2 $109
Total number of real estate secured nonmember commercial loans 900K3 $10
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 119
Number of Member Commercial and Industrial loans 900L2 348
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 405
Total Number of Member and Nonmember commercial loans 900T1 $524
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 10,500
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 6,389
Number of All Other Real Estate Loans/Lines of Credit 960B 1
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 405
NCUA data file FS220N (6 items)

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

Civic Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $31.4M
Available-for-sale Debt Securities >5 and <= 10 Years AS0065 $44.1M
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$9.7M
Total Liabilities LI0069 $2.95B
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $24.5M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $3.07B
NCUA data file FS220P (47 items)

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

Civic 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 $22.3M
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $878K
Loan Loss Information - YTD Charge Offs - All Other Secured Non-Real Estate Loans/Lines of Credit CH0015 $101K
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $36K
Loan Loss Information - YTD Charge Offs - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien CH0017 $177K
Loan Loss Information - YTD Charge Offs - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien CH0019 $228K
Loan Loss Information - YTD Recoveries - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien CH0020 $7K
Loan Loss Information - YTD Charge Offs - Commercial Loans/Lines of Credit Construction and Development Loans CH0023 $50K
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $28.4M
Unsecured Credit Card Loans DL0002 $2.2M
All Other Unsecured Loans/Lines of Credit DL0022 $7.6M
All Other Unsecured Loans/Lines of Credit DL0023 $4.6M
All Other Unsecured Loans/Lines of Credit DL0024 $9.3M
All Other Unsecured Loans/Lines of Credit DL0025 $7.4M
All Other Unsecured Loans/Lines of Credit DL0026 $149K
All Other Unsecured Loans/Lines of Credit DL0027 $21.5M
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $6K
New Vehicle Loans DL0030 $1.6M
Used Vehicle Loans DL0037 $5.9M
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $13K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $9K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $5K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0053 $1K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $15K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $13
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $104.5M
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $40.9M
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $38.6M
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0060 $14.0M
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0061 $17.5M
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 $111.1M
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 $735
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $4.4M
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0065 $2.5M
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0066 $3.6M
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0067 $3.7M
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0068 $2.1M
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 $11.8M
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 $230
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $57.7M
Amount of Consumer Loans in Non-Accrual Status DL0145 $113.7M
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Number of Modified Loans DL0148 $850
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Amount of Modified Loans DL0149 $37.4M
Off-Balance Sheet Exposures - Totally Unconditionally Cancelable Unfunded Commitments for All Loan Types LQ0013 $260.0M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Commercial Loans LQ0014 $6.5M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Secured and Real Estate LQ0015 $161.6M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments -Total LQ0017 $168.1M
NCUA data file FS220Q (37 items)

investment portfolio detail (69%)

Civic Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Line of Credit Limit - Federal Home Loan Bank LQ0040 $638.1M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Federal Home Loan Bank LQ0043 $1.20B
Total Borrowings LQ0860 $359.5M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0019 $85.2M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0020 $75.5M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0023 $85.2M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0024 $75.5M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $85.2M
Total Fair Value Available-for-Sale Debt Securities NV0084 $75.5M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $250K
Investment Maturity Distribution - Time Deposits - Total NV0116 $250K
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $75.5M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $25.5M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $4.1M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $29.6M
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $250K
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $25.5M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $31.4M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $44.1M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $4.1M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $105.4M
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Collateral Assignment - Cash Surrender Value NV0170 $22.9M
RBC Total Equity RB0001 $127.8M
RBC Allowance for Credit Losses RB0002 $48.3M
RBC Subordinated Debt in accordance with ?702.407 RB0003 $52.5M
RBC Total Additions RB0005 $100.8M
RBC Total Deductions RB0009 $25.0M
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $203.5M
RBC Risk-Based Capital Numerator RB0012 $203.5M
RBC Total for Risk Weighting Cash and Deposits in Financial Institutions or Reserve Banks RB0014 $69.9M
RBC Cash and Deposits in Financial Institutions or Reserve Banks 0% Weight RB0015 $65.7M
RBC Cash, Cash Equivalents, Deposits in Financial Institutions or Reserve Banks 20% Weight RB0016 $3.9M
RBC Cash and Deposits in Financial Institutions or Reserve Banks 100% Weight RB0017 $379K
RBC Total for Risk Weighting Securities RB0019 $75.5M
RBC Securities 20% Weight RB0021 $75.5M
Participation Loans: Participations Sold - Retained Balance Outstanding - Vehicle-Non-commercial SL0038 $774K
Participation Loans: Participations Sold - Sold Year-To-Date - Amount - Vehicle - Non-commercial SL0039 $6.0M
NCUA data file FS220R (97 items)

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

Civic Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Total Borrowing Capacity at Federal Reserve Bank LQ0061 $198.3M
CCULR Off-Balance sheet exposures LR0002 $168.1M
CCULR Off-Balance sheet exposures ratio LR0003 547.00%
RBC Total for Risk Weighting Other Investments RB0029 $29.6M
RBC Other Investments 0% Weight RB0030 $8.6M
RBC Other Investments 20% Weight RB0031 $16.9M
RBC Other Investments 100% Weight RB0032 $4.1M
RBC Schedule Total Investments RB0039 $105.1M
RBC Total for Risk Weighting Total Investments RB0041 $105.1M
RBC Total Investments 0% Weight RB0042 $8.6M
RBC Total Investments 20% Weight RB0043 $92.4M
RBC Total Investments 100% Weight RB0045 $4.1M
RBC Total for Risk Weighting First Lien Residential Real Estate Loans RB0052 $1.57B
RBC First Lien Residential Real Estate Loans 50% Weight RB0053 $997.2M
RBC First Lien Residential Real Estate Loans 75% Weight RB0054 $496.4M
RBC First Lien Residential Real Estate Loans 100% Weight RB0055 $77.6M
RBC Total for Risk Weighting Junior Lien Residential Real Estate Loans RB0057 $295.8M
RBC Junior Lien Residential Real Estate Loans 100% Weight RB0058 $286.5M
RBC Junior Lien Residential Real Estate Loans 150% Weight RB0059 $9.3M
RBC Schedule Total Consumer Loans RB0060 $660.1M
RBC Total for Risk Weighting Consumer Loans RB0062 $660.1M
RBC Consumer Loans 0% Weight RB0063 $1.1M
RBC Consumer Loans 75% Weight RB0065 $294.9M
RBC Consumer Loans 100% Weight RB0066 $329.8M
RBC Consumer Loans 150% Weight RB0067 $34.3M
RBC Schedule Total Commercial Loans RB0068 $207.7M
RBC Total for Risk Weighting Commercial Loans RB0070 $207.7M
RBC Commercial Loans 100% Weight RB0073 $207.7M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $48.3M
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $48.3M
RBC Schedule Total Loans RB0079 $2.69B
RBC Total for Risk Weighting Total Loans RB0081 $2.69B
RBC Total Loans 0% Weight RB0082 -$47.3M
RBC Total Loans 50% Weight RB0084 $997.2M
RBC Total Loans 75% Weight RB0085 $791.3M
RBC Total Loans 100% Weight RB0086 $901.7M
RBC Total Loans 150% Weight RB0087 $43.6M
RBC Schedule Total Other Assets RB0088 $209.3M
RBC Total for Risk Weighting Other Assets RB0090 $209.3M
RBC Other Assets 0% Weight RB0091 $25.0M
RBC Other Assets 100% Weight RB0092 $184.3M
RBC Total from Schedule On-Balance Sheet Assets RB0099 $3.07B
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $3.07B
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $52.0M
RBC Total Risk Weighted On-Balance Sheet Assets 20% Weight RB0102 $96.3M
RBC Total Risk Weighted On-Balance Sheet Assets 50% Weight RB0103 $997.2M
RBC Total Risk Weighted On-Balance Sheet Assets 75% Weight RB0104 $791.3M
RBC Total Risk Weighted On-Balance Sheet Assets 100% Weight RB0105 $1.09B
RBC Total Risk Weighted On-Balance Sheet Assets 150% Weight RB0106 $43.6M
RBC Schedule Total Risk Weighted Assets - On-Balance Sheet RB0112 $2.27B
RBC Total Risk Weighted Assets - On-Balance Sheet 20% Weight RB0113 $19.3M
RBC Total Risk Weighted Assets On-Balance Sheet 50% Weight RB0114 $498.6M
RBC Total Risk Weighted Assets On-Balance Sheet 75% Weight RB0115 $593.5M
RBC Total Risk Weighted Assets On-Balance Sheet 100% Weight RB0116 $1.09B
RBC Total Risk Weighted Assets On-Balance Sheet 150% Weight RB0117 $65.4M
RBC Unfunded Commitment Commercial Loans Credit Equivalent Amount RB0123 $3.3M
RBC Unfunded Commitment Commercial Loans 100% Weight RB0124 $3.3M
RBC Unfunded Commitment Secured Consumer Loans Credit Equivalent Amount RB0125 $16.2M
RBC Unfunded Commitment Secured Consumer Loans 100% Weight RB0128 $16.2M
RBC Total Off-Balance Sheet and Derivative Credit Equivalent Amount RB0153 $19.4M
RBC Total Off-Balance Sheet and Derivative 100% Weight RB0160 $19.4M
RBC Total Risk-Weighted Assets Off-Balance-Sheet and Derivative RB0162 $19.4M
RBC Total Risk-Weighted Assets Off-Balance-Sheet and Derivative 100% Weight RB0168 $19.4M
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $3.09B
RBC Total Risk-Weighted Assets RB0171 $2.29B
RBC Total Risk Based Capital Ratio RB0172 890.00%
RBC Allowance for Credit Losses (Loans) RB0177 $48.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 3,358.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 571,565,318.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 22,108,506.00%
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 1,645.00%
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 123,641,781.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 929,000.00%
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 $5K
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 $876.0M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $1.57B
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $23.0M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 18.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 946,945.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 6,371.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 294,868,015.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 16,524,823.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $295.8M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $16.5M
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Number of Loans Outstanding RL0032 1.00%
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Amount of Loans Outstanding RL0033 26,300.00%
All Other (Non-commercial) Real Estate - Amount of Loans Outstanding - Total RL0044 $26K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $17K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $1.87B
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $39.6M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $1.18B
Total Shares SH0013 $2.35B
Total Shares and Deposits SH0018 $2.56B
Total Non-Member Deposits SH0880 $205.4M
Number of Loans Sold, Year-to-date SL0022 28
Amount of Loans Sold, Year-to-date SL0023 $6.3M
Number of First Mortgage loans sold on the secondary market, Year-to-date SL0024 28
NCUA data file FS220S (7 items)

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

Civic Federal Credit Union, NCUA data file FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Mortgage Lending PP0039 $1
Person-to-Person payments PP0045 $1
Communication PP0047 $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

Civic 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 Civic Federal Credit Union call report?

The Civic 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 Civic Federal Credit Union file?

Civic 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 Civic 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 Civic Federal Credit Union is 24003.

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

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

Civic Federal Credit Union financials and ratios →

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