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Credit union call report ยท Black River Falls, WI

Co-Op Credit Union Call Report

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Co-Op Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 474 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Co-Op Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number66983
Federal Reserve RSSD ID808998

The official copy: search charter number 66983 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Co-Op Credit Union call report, Q2 2026

Statement of Financial Condition (40 items)
Co-Op Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $3.4M
1b. Cash Items in Process of Collection AS0005 $4.4M
1c. Total Cash on Hand 730A $7.7M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $3.2M
2b. Cash on Deposit in Federal Reserve Bank AS0003 $24.1M
2c. Cash on Deposit in Other Financial Institutions 730B2 $524K
2. Cash on Deposit (total) 730B $27.8M
3. Time Deposits in Banks and Credit Unions AS0007 $15.4M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $50.9M
8. Available-for-Sale Debt Securities AS0067 $16.2M
11. TOTAL INVESTMENT SECURITIES AS0013 $16.2M
12a. Nonperpetual Capital Account 769A $1.4M
12b. Perpetual Contributed Capital 769B $724K
12c. All Other Investments AS0016 $1.4M
13. TOTAL OTHER INVESTMENTS AS0017 $3.5M
15a. Number of Total Loans and Leases 025A 14,939
15b. Total Loans and Leases 025B $521.5M
17. ACL on Loans and Leases AS0048 $3.3M
18c. Foreclosed/Repossessed - Vehicles AS0024 $900
18e. Foreclosed/Repossessed Assets (total) 798A $900
19. Land and Building 007 $7.8M
20. Other Fixed Assets 008 $1.7M
21. NCUA Share Insurance Capitalization Deposit 794 $4.6M
22b. Mortgage Servicing Rights 779 $148K
22d. Accrued Interest on Loans 009A $1.5M
22e. Accrued Interest on Investments 009B $179K
22f. All Other Assets 009C $21.9M
22g. Total Other Assets AS0036 $23.7M
23. TOTAL ASSETS 010 $626.8M
Accounts Payable and Other Liabilities 825 $6.2M
Accrued Dividends and Interest Payable 820A $4K
ACL on Off-Balance-Sheet Exposures LI0003 $322
Member Shares of All Types 013 $548.2M
Total Shares and Deposits 018 $548.2M
Undivided Earnings 940 $65.6M
Other Reserves 658 $1.8M
Net Income (equity) 602 $3.5M
Total Net Worth 997 $72.4M
Net Worth Ratio 998 11.55%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $626.8M
Statement of Income and Expense (27 items)
Co-Op Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $14.5M
3. Income from Investments 120 $1.1M
5. TOTAL INTEREST INCOME 115 $15.6M
6. Dividends on Shares 380 $5.9M
9. TOTAL INTEREST EXPENSE 350 $5.9M
10. NET INTEREST INCOME IS0010 $9.7M
12a. Credit Loss Expense - Loans and Leases IS0011 $418K
12d. Credit Loss Expense - Off-Balance-Sheet IS0016 -$1K
12e. Total Credit Loss Expense IS0017 $417K
13. Fee Income 131 $445K
14. Other Operating Income IS0020 $494K
18. Gain (Loss) on Disposition of Fixed Assets 430 $33K
19. Gain (Loss) on Sale of Loans IS0029 $11K
22. Other Non-Operating Income 440 $43K
23. TOTAL NON-INTEREST INCOME 117 $1.0M
24. Employee Compensation and Benefits 210 $4.0M
25. Travel and Conference 230 $99K
26. Office Occupancy 250 $393K
27. Office Operations 260 $885K
28. Educational and Promotional 270 $260K
29. Loan Servicing 280 $204K
30. Professional and Outside Services 290 $832K
31. Member Insurance 310 $8K
32. Operating Fees 320 $38K
33. Miscellaneous Operating Expense 360 $116K
34. TOTAL NON-INTEREST EXPENSE 671 $6.8M
35. NET INCOME 661A $3.5M
Statement pages - all other filed accounts (26 items)

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

Co-Op 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 $4.6M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $2.4M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $568K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $64K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $35K
Loans Granted Year-to-Date 031A $2K
Amount of Loans Granted Year-to-Date 031B $85.3M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $4.2M
Number of current members (not number of accounts) 083 23,862
Number of potential members 084 498,834
Net Member Business Loan Balance 400A $86.8M
Interest Rate of Unsecured Credit Card Loans 521 1,188.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,488.00%
Interest Rate of New Vehicle Loans 523 504.00%
Interest Rate of Used Vehicle Loans 524 529.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $181K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $46K
Total Amount of All Other Shares 630 $13.8M
Amount of Regular Shares 657 $168.6M
Balance Outstanding of All Interest Only & Payment Option 1st Mortgage Loans. 704C1 $12.8M
Amount of Share Drafts 902 $97.7M
IRA/KEOGH Accounts - < 1 Year 906A $35.1M
Share Certificates - < 1 Year 908A $158.2M
Total Amount of Share Certificates 908C $191.0M
Total Amount of Money Market Shares 911 $35.9M
Number of Used Vehicle Loans 968 3,656
NCUA form-section FS220A (27 items)

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

Co-Op Credit Union, NCUA form-section FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $508.8M
Total Shares - 1-3 Years 013B1 $38.4M
Total Shares - > 3 Years 013B2 $1.1M
Total Shares and Deposits - < 1 Year 018A $508.8M
Total Shares and Deposits - 1-3 Years 018B1 $38.4M
Total Shares and Deposits - > 3 Years 018B2 $1.1M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 184
Amount of Delinquent Indirect Loans 041E $167K
Effective date of last audit 063 $32K
Amount of Used Vehicle Loans 370 $50.2M
Amount of New Vehicle Loans 385 $13.7M
Amount of Unsecured Credit Card Loans 396 $2.2M
Amount of All Other Unsecured Loans/Lines of Credit 397 $3.5M
Share Certificates 451 $6K
Number of Accounts for Share Drafts 452 17,114
IRA/KEOGH Accounts 453 $2K
Number of Accounts for Regular Shares 454 33,583
All other shares 455 $767
Money Market Shares 458 $482
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 60,873
Number of credit union employees who are Full-Time (26 hours or more) 564A 91
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 19
Number of Outstanding Indirect Loans 617A 1,181
Total Amount of Outstanding Indirect Loans 618A $21.6M
Amount of real estate loans sold but serviced by the credit union 779A $24.5M
Total credit lines 881 $128.3M
High School Number of Branches PP0031 $1
NCUA form-section FS220B (30 items)

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

Co-Op Credit Union, NCUA form-section FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $31K
Amount of Delinquent Unsecured Credit Card Loans as of - 6 to less than 12 months delinquent 027B $5K
Number - Total Delinquent Credit Card Loans 045A 32
Total Amount of Delinquent Unsecured Credit Card Loans 045B $50K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $68.9M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $68.9M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $479.3M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $122K
All other shares - < 1 Year 630A $13.4M
All other shares - 1-3 Years 630B1 $424K
All other shares - > 3 Years 630B2 $17K
Amount of Regular Shares - < 1 Year 657A $168.6M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $12K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $2K
Total Amount of All First Mortgage Loans which have been sold in the secondary market year-to-date 736 $485K
Is your credit union a member of a Federal Home Loan Bank? 896 $1
Amount of Share Drafts - < 1 Year 902A $97.7M
IRA/KEOGH Accounts - 1-3 Years 906B1 $5.8M
IRA/KEOGH Accounts - > 3 Years 906B2 $390K
Total Amount of IRA/KEOGH Accounts 906C $41.2M
Share Certificates - 1-3 Years 908B1 $32.2M
Share Certificates - > 3 Years 908B2 $645K
Money Market Shares - < 1 Year 911A $35.9M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $2.1M
Number of New Vehicle Loans 958 538
Total Shares 966 $61K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $117K
Number of Unsecured Credit Card Loans 993 3,479
Number of All Other Unsecured Loans/Lines of Credit 994 1,758
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 49
NCUA form-section FS220C (8 items)

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

Co-Op Credit Union, NCUA form-section FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $1
Total Amount of Indirect Loans Charged Off Year-to-Date 550E $29K
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $16K
Number of credit union branches (include the main office if member services are conducted at that location) 566 10
Supplemental Share Information - Accts Held by Member Government Depositors 631 $10.5M
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $96.6M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $12.6M
Outstanding balance of brokered certificates of deposit and share certificates 788 $20.6M
NCUA form-section FS220D (30 items)

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

Co-Op Credit Union, NCUA form-section 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
Financial Literacy Workshops 879B3 $1
First Time Homebuyer Program 879B4 $1
Online Financial Literacy 879B7 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Mortgage Processing 879G $1
Approved Mortgage Seller 879H $1
Brokered Certificates of Deposits 879N $1
Brokered Deposits (All deposits acquired through a third party) 879T $1
International Remittances 879V $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
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
High School PP0030 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA form-section FS220G (11 items)

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

Co-Op Credit Union, NCUA form-section FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $1.4M
Total Outstanding Amount of Participation Loans Purchased By Type 691L $926K
Number of Outstanding Int Only & Payment Option 1st Mtg Loans 704C2 56
Amount of Outstanding Int Only & Payment Option 1st Mtg Loans Granted YTD 704C3 $8.8M
Total Value of Investments in CUSOs 851 $63K
Total Amount Loaned to CUSOs 852 $42K
Total Aggregate Cash Outlay in CUSOs 853 $105K
Assets Pledged to Secure Borrowings 878 $42.0M
Total Credit Lines at Corporate Credit Unions 884 $99.8M
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $1.4M
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $1.4M
NCUA form-section FS220H (3 items)

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

Co-Op Credit Union, NCUA form-section FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $55.3M
Total number of TDR loans outstanding 1000F $17
Total amount of TDR loans outstanding 1001F $1.0M
NCUA form-section FS220I (15 items)

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

Co-Op Credit Union, NCUA form-section FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $116K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $331K
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $59K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $416K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $197K
Amount of Used Vehicle Loans Delinquent >=360 days 023C2 $48K
Number of Reportable Delinquent New Vehicle Loans 035E1 2
Number of Reportable Delinquent Used Vehicle Loans 035E2 79
Amount of Reportable Delinquent New Vehicle Loans 041C1 $59K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $965K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $103K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $33K
Commercial Share Accounts 643 $61.4M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $31K
Number of International Remittances originated Year-to-Date 928 13
NCUA form-section FS220J (3 items)

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

Co-Op Credit Union, NCUA form-section FS220J, Q2 2026
Line item Account Q2 2026
Other Assets - Split Dollar Life Insurance Arrangements - Collateral Assignment 789E $3.9M
Other Assets - Other Insurance 789E2 $16.1M
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $19.9M
NCUA form-section FS220L (49 items)

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

Co-Op Credit Union, NCUA form-section FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $15K
Total Amount of Loans & Leases on Loan Schedule 025B1 $521.5M
Outstanding Balance of Member Commercial Loans Secured by Farmland 042A5 $13.4M
Outstanding Balance of Member Commercial Loans to finance agricultural production and other loans to farmers 042A6 $5.2M
Amount of Agricultural Commercial Loans 042A9 $18.6M
Total number of commercial loans to members granted or purchased YTD 090A1 $90
Number of Member Unsecured Commercial Loans granted or purchased YTD 090C5 2
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 $28
Number of Member Commercial and industrial loans granted or purchased YTD 090L2 33
Number of member commercial loans Secured by Multifamily Property granted or purchased YTD 090M 15
Number of Member Commercial loans Secured by Farmland granted or purchased YTD 099A5 10
Number of Member commercial Loans to finance agricultural production and other loans to farmers granted or purchased YTD 099A6 27
Number of member construction and development commercial loans 143A3 2
Outstanding balance of member construction and development commercial loans 143B3 $239K
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $27.2M
Amount of All Other Real Estate Loans/Lines of Credit 386B $23.0M
Total outstanding balance of commercial loans to members 400A1 $80.3M
Total outstanding balance of nonmember commercial loans 400B1 $926K
Outstanding balance of Unsecured Member Commercial Loans 400C5 $1.4M
Outstanding balance of Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 400C6 $128K
Outstanding balance of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 400H2 $18.2M
Outstanding balance of purchased or participation interests in commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400H3 $926K
Outstanding balance of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 400J2 $6.1M
Outstanding balance of Member Commercial and Industrial loans 400L2 $6.9M
Outstanding balance of member commercial loans Secured Multifamily Property 400M $28.7M
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $13.6M
Outstanding balance of all member and non-member commercial loans 400T1 $81.3M
Dollar Amount of Member Commercial loans Secured by Farmland granted or purchased YTD 463A5 $3.0M
Dollar Amount of Member Commercial loans to finance agricultural production and other loans to farmers granted or purchased YTD 463A6 $1.4M
Total Dollar amount of member commercial loans granted or purchased YTD 475A1 $15.0M
Dollar Amount of Member Unsecured Commercial Loans granted or purchased YTD 475C5 $56K
Dollar Amount of Member Commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 475H2 $384K
Total Dollar amount of real estate secured member commercial loans granted or purchased YTD 475K2 $9.8M
Dollar Amount of Member Commercial and Industrial loans granted or purchased YTD 475L2 $3.7M
Dollar Amount of Member Commercial loans Secured by Multifamily Property granted or purchased YTD 475M $6.5M
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 650.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 675.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 655.00%
Interest Rate of All Other Real Estate Loans/Lines of Credit 562B 599.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 630.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 559.00%
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Purchased 691L8 $926K
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $21.9M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $298.6M
Balance Outstanding of 1st Mtg Residential construction Loans - Excluding Commercial Purpose 704A2 $10.9M
Total Outstanding Balance of real estate secured member commercial loans 718A3 $66.7M
Total Outstanding Balance of real estate secured nonmember commercial loans 718A4 $926K
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $67.6M
NCUA form-section FS220M (28 items)

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

Co-Op Credit Union, NCUA form-section FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $31.0M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $8.3M
Total Unfunded Commitments for Commercial Loans 814K $6.5M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $1.4M
Total Other Unfunded Commitments (Non-Commercial) 816B5 $8.1M
Total Unfunded Commitments for Non-Commercial Loans 816T $48.8M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $36K
Total number of member commercial loans 900A1 $598
Total number of nonmember commercial loans 900B1 $1
Number of Member Unsecured Commercial Loans 900C5 16
Number of Member Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 900C6 40
Number of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 900H2 91
Number of purchased or participation interests in commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900H3 1
Number of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 900J2 29
Total number of real estate secured member commercial loans 900K2 $282
Total number of real estate secured nonmember commercial loans 900K3 $1
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 283
Number of Member Commercial and Industrial loans 900L2 152
Number of member commercial loans Secured by Multifamily Property 900M 104
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 316
Total Number of Member and Nonmember commercial loans 900T1 $599
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 2,442
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 929
Number of All Other Real Estate Loans/Lines of Credit 960B 250
Number of member commercial loans Secured by Farmland 961A5 56
Number of member commercial loans to finance agricultural production and other loans to farmers 961A6 108
Number of Agricultural Commercial Loans 961A9 164
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 1,288
NCUA form-section FS220N (7 items)

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

Co-Op Credit Union, NCUA form-section FS220N, Q2 2026
Line item Account Q2 2026
Available-for-sale Debt Securities <=1 Year AS0062 $8.2M
Available-for-sale Debt Securities >1 and <=3 Years AS0063 $7.6M
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $363K
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$51K
Total Liabilities LI0069 $554.4M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 -$183K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $626.8M
NCUA form-section FS220P (55 items)

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

Co-Op Credit Union, NCUA form-section FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $37K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $7K
Loan Loss Information - YTD Charge Offs - All Other Secured Non-Real Estate Loans/Lines of Credit CH0015 $29K
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $5K
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $67.1M
Unsecured Credit Card Loans DL0002 $14K
All Other Unsecured Loans/Lines of Credit DL0022 $30K
All Other Unsecured Loans/Lines of Credit DL0023 $9K
All Other Unsecured Loans/Lines of Credit DL0024 $38K
All Other Unsecured Loans/Lines of Credit DL0025 $36K
All Other Unsecured Loans/Lines of Credit DL0027 $83K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $29
Used Vehicle Loans DL0037 $303K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $153K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $67K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $74K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0053 $30K
Delinquent Loans by Collateral Type - >=360 days - All Other Secured Non-Real Estate Loans/Lines of Credit DL0054 $16K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $187K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $16
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $3.1M
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $757K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $1.4M
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0060 $244K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0062 $2.4M
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 $20
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $232K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0065 $20K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0066 $20K
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 $40K
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 $2
Dollar Amount of Reportable Delinquency - 30 - 59 Days Delinquent - Commercial Loans/Lines of Credit Secured by Farmland DL0085 $342K
Dollar Amount of Reportable Delinquency - 90 - 179 Days Delinquent - Commercial Loans/Lines of Credit Secured by Owner Occupied, Non-Farm, Non-Residential Property DL0101 $96K
Total Dollar Amount of Reportable Delinquency - Commercial Loans/Lines of Credit Secured by Owner Occupied, Non-Farm, Non-Residential Property DL0104 $96K
Total Number of Reportable Delinquent Loans - Commercial Loans/Lines of Credit Secured by Owner Occupied, Non-Farm, Non-Residential Property DL0105 $1
Dollar Amount of Reportable Delinquency - 30 - 59 Days Delinquent - Commercial Loans/Lines of Credit - Loans to finance agricultural production and other loans to farmers DL0113 $8K
Dollar Amount of Reportable Delinquency - 30 - 59 Days Delinquent - Commercial Loans/Lines of Credit - Commercial and Industrial Loans DL0120 $254K
Dollar Amount of Reportable Delinquency - 90 - 179 Days Delinquent - Commercial Loans/Lines of Credit - Commercial and Industrial Loans DL0122 $210K
Dollar Amount of Reportable Delinquency - 180 - 359 Days Delinquent - Commercial Loans/Lines of Credit - Commercial and Industrial Loans DL0123 $56K
Total Dollar Amount of Reportable Delinquency - Commercial Loans/Lines of Credit - Commercial and Industrial Loans DL0125 $277K
Total Number of Reportable Delinquent Loans - Commercial Loans/Lines of Credit - Commercial and Industrial Loans DL0126 $3
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $1.2M
Amount of Consumer Loans in Non-Accrual Status DL0145 $3.8M
Amount of Commercial Loans in Non-Accrual Status DL0146 $373K
Dollar Amount of Reportable Delinquency - 60 - 89 Days Delinquent - Commercial Loans/Lines of Credit - Commercial and Industrial Loans DL0147 $11K
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Number of Modified Loans DL0148 $6
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Amount of Modified Loans DL0149 $356K
Number of Indirect Loans - New and Used Vehicle Loans IN0001 1,049
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $19.4M
Number of Indirect Loans - All Other Loans IN0007 132
Amount of Indirect Loans - All Other Loans IN0008 $2.2M
Off-Balance Sheet Exposures - Totally Unconditionally Cancelable Unfunded Commitments for All Loan Types LQ0013 $14.2M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Commercial Loans LQ0014 $2.5M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Secured and Real Estate LQ0015 $38.6M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments -Total LQ0017 $41.1M
NCUA form-section FS220Q (36 items)

investment portfolio detail (69%)

Co-Op Credit Union, NCUA form-section FS220Q, Q2 2026
Line item Account Q2 2026
Off-Balance Sheet Exposures - Loans Transferred under the FHLB MPF program LQ0021 $24.5M
Borrowing Arrangements - Line of Credit Limit - Federal Home Loan Bank LQ0040 $23.6M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Federal Home Loan Bank LQ0043 $35.0M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - FRB LQ0047 $7.0M
Available-for-sale Amortized Cost - US Government Obligations NV0003 $7.0M
Available-for-sale Fair Value - US Government Obligations NV0004 $7.0M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0019 $789K
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0020 $764K
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0023 $789K
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0024 $764K
Available-for-sale Amortized Cost - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0075 $8.5M
Available-for-sale Fair Value - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0076 $8.5M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $16.2M
Total Fair Value Available-for-Sale Debt Securities NV0084 $16.2M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $11.4M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $4.0M
Investment Maturity Distribution - Time Deposits - Total NV0116 $15.4M
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $16.2M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >3-5 Years NV0143 $1.4M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >5-10 Years NV0144 $1.4M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $724K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $3.5M
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $19.7M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $11.6M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $1.7M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $1.4M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $724K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $35.1M
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Collateral Assignment - Remaining Premiums NV0169 $328K
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Collateral Assignment - Cash Surrender Value NV0170 $2.9M
RBC Total Equity RB0001 $72.4M
RBC Allowance for Credit Losses RB0002 $3.3M
RBC Total Additions RB0005 $3.3M
RBC Total Deductions RB0009 $4.6M
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $71.0M
RBC Risk-Based Capital Numerator RB0012 $71.0M
NCUA form-section FS220R (72 items)

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

Co-Op Credit Union, NCUA form-section FS220R, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Total Borrowing Capacity at Federal Reserve Bank LQ0061 $5.0M
CCULR Election to opt into the Complex Credit Union Leverage Ratio LR0001 1.00%
CCULR Off-Balance sheet exposures LR0002 $65.6M
CCULR Off-Balance sheet exposures ratio LR0003 1,046.00%
RBC Schedule Total Investments RB0039 $19.7M
RBC Schedule Total Consumer Loans RB0060 $114.4M
RBC Schedule Total Commercial Loans RB0068 $81.3M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $3.3M
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $3.3M
RBC Schedule Total Loans RB0079 $518.2M
RBC Total for Risk Weighting Total Loans RB0081 -$3.3M
RBC Total Loans 0% Weight RB0082 -$3.3M
RBC Schedule Total Other Assets RB0088 $37.9M
RBC Total for Risk Weighting Other Assets RB0090 $4.6M
RBC Other Assets 0% Weight RB0091 $4.6M
RBC Total from Schedule On-Balance Sheet Assets RB0099 $626.8M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $1.4M
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $1.4M
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $626.8M
RBC Allowance for Credit Losses (Loans) RB0177 $3.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 1.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 125,411.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 485,000.00%
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 483.00%
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 31,855,284.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 3,164,027.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid >5 Years RL0007 $1K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0008 $194.4M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0009 $15.3M
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 $638
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 $71.1M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Balloon/Hybrid 5 Years or Less RL0012 $16.0M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 51.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 1,136,753.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $298.6M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $34.9M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 14.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 398,708.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 172,971.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Adjustable Rate RL0021 204.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Adjustable Rate RL0022 10,905,261.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Adjustable Rate RL0023 1,551,400.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Fixed Rate RL0024 1.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Fixed Rate RL0025 100,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 710.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 15,801,323.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 2,933,500.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $27.2M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $4.7M
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Number of Loans Outstanding RL0032 11.00%
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Amount of Loans Outstanding RL0033 313,760.00%
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Amount of Loans Granted YTD RL0034 40,000.00%
All Other (Non-commercial) Real Estate - Closed-End - Adjustable Rate - Number of Loans Outstanding RL0035 236.00%
All Other (Non-commercial) Real Estate - Closed-End - Adjustable Rate - Amount of Loans Outstanding RL0036 22,479,299.00%
All Other (Non-commercial) Real Estate - Closed-End - Adjustable Rate - Amount of Loans Granted YTD RL0037 1,249,200.00%
All Other (Non-commercial) Real Estate - Open-End - Adjustable Rate - Number of Loans Outstanding RL0041 10.00%
All Other (Non-commercial) Real Estate - Open-End - Adjustable Rate - Amount of Loans Outstanding RL0042 189,008.00%
All Other (Non-commercial) Real Estate - Open-End - Adjustable Rate - Amount of Loans Granted YTD RL0043 68,500.00%
All Other (Non-commercial) Real Estate - Amount of Loans Outstanding - Total RL0044 $23.0M
All Other (Non-commercial) Real Estate - Amount of Loans Granted YTD - Total RL0045 $1.4M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $4K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $348.8M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $40.9M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $204.7M
Total Shares SH0013 $548.2M
Total Shares and Deposits SH0018 $548.2M
Number of Loans Sold, Year-to-date SL0022 2
Amount of Loans Sold, Year-to-date SL0023 $485K
Number of First Mortgage loans sold on the secondary market, Year-to-date SL0024 2
Number of Real Estate Loans Sold with Servicing Retained, Year-to-date SL0028 2
Amount of Real Estate Loans Sold with Servicing Retained, Year-to-date SL0029 $485K
Number of Outstanding Real Estate Loans Sold with Servicing Retained SL0030 155
NCUA form-section FS220S (7 items)

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

Co-Op Credit Union, NCUA form-section FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Auto Lending PP0038 $1
Communication PP0047 $1
FinTech-Other PP0048 $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

Co-Op 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 Co-Op Credit Union call report?

The Co-Op 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 Co-Op Credit Union file?

Co-Op 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 Co-Op 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 Co-Op Credit Union is 66983.

How often does Co-Op Credit Union file a call report?

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

Co-Op Credit Union financials and ratios →

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