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Credit union call report ยท Lawrenceburg, IN

Community Spirit Credit Union Call Report

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Community Spirit Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 252 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Community Spirit Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number65493
Federal Reserve RSSD ID352491

The official copy: search charter number 65493 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Community Spirit Credit Union call report, Q2 2026

Statement of Financial Condition (30 items)
Community Spirit Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $121K
1c. Total Cash on Hand 730A $121K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $860K
2c. Cash on Deposit in Other Financial Institutions 730B2 $107K
2. Cash on Deposit (total) 730B $967K
3. Time Deposits in Banks and Credit Unions AS0007 $600K
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $1.7M
9. Held-to-Maturity Debt Securities AS0073 $9.0M
11. TOTAL INVESTMENT SECURITIES AS0013 $9.0M
12b. Perpetual Contributed Capital 769B $33K
13. TOTAL OTHER INVESTMENTS AS0017 $33K
15a. Number of Total Loans and Leases 025A 777
15b. Total Loans and Leases 025B $10.0M
17. ACL on Loans and Leases AS0048 $66K
19. Land and Building 007 $374K
20. Other Fixed Assets 008 $44K
21. NCUA Share Insurance Capitalization Deposit 794 $184K
22d. Accrued Interest on Loans 009A $29K
22e. Accrued Interest on Investments 009B $30K
22f. All Other Assets 009C $169K
22g. Total Other Assets AS0036 $228K
23. TOTAL ASSETS 010 $21.5M
Accounts Payable and Other Liabilities 825 $106K
Member Shares of All Types 013 $19.1M
Total Shares and Deposits 018 $19.1M
Undivided Earnings 940 $2.2M
Net Income (equity) 602 $44K
Total Net Worth 997 $2.2M
Net Worth Ratio 998 10.40%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $21.5M
Statement of Income and Expense (23 items)
Community Spirit Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $338K
3. Income from Investments 120 $175K
5. TOTAL INTEREST INCOME 115 $513K
6. Dividends on Shares 380 $164K
8. Interest on Borrowed Money 340 $358
9. TOTAL INTEREST EXPENSE 350 $164K
10. NET INTEREST INCOME IS0010 $349K
12a. Credit Loss Expense - Loans and Leases IS0011 $5K
12e. Total Credit Loss Expense IS0017 $5K
13. Fee Income 131 $71K
14. Other Operating Income IS0020 $44K
23. TOTAL NON-INTEREST INCOME 117 $114K
24. Employee Compensation and Benefits 210 $183K
25. Travel and Conference 230 $963
26. Office Occupancy 250 $18K
27. Office Operations 260 $126K
28. Educational and Promotional 270 $17K
29. Loan Servicing 280 $16K
30. Professional and Outside Services 290 $38K
32. Operating Fees 320 $3K
33. Miscellaneous Operating Expense 360 $11K
34. TOTAL NON-INTEREST EXPENSE 671 $414K
35. NET INCOME 661A $44K
Statement pages - all other filed accounts (23 items)

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

Community Spirit 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 $72K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $48K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $66K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $47K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $5K
Loans Granted Year-to-Date 031A $126
Amount of Loans Granted Year-to-Date 031B $2.0M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $203K
Number of current members (not number of accounts) 083 2,038
Number of potential members 084 10,000
Interest Rate of Unsecured Credit Card Loans 521 1,290.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 939.00%
Interest Rate of New Vehicle Loans 523 484.00%
Interest Rate of Used Vehicle Loans 524 714.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $27K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $5K
Total Amount of All Other Shares 630 $292K
Amount of Regular Shares 657 $8.0M
Amount of Share Drafts 902 $3.1M
IRA/KEOGH Accounts - < 1 Year 906A $951K
Share Certificates - < 1 Year 908A $6.7M
Total Amount of Share Certificates 908C $6.8M
Number of Used Vehicle Loans 968 346
NCUA data file FS220A (18 items)

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

Community Spirit Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $19.0M
Total Shares - 1-3 Years 013B1 $138K
Total Shares and Deposits - < 1 Year 018A $19.0M
Total Shares and Deposits - 1-3 Years 018B1 $138K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 26
Effective date of last audit 063 $62K
Amount of Used Vehicle Loans 370 $5.0M
Amount of New Vehicle Loans 385 $2.1M
Amount of Unsecured Credit Card Loans 396 $191K
Amount of All Other Unsecured Loans/Lines of Credit 397 $449K
Share Certificates 451 $173
Number of Accounts for Share Drafts 452 890
IRA/KEOGH Accounts 453 $57
Number of Accounts for Regular Shares 454 1,706
All other shares 455 $135
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 2,961
Number of credit union employees who are Full-Time (26 hours or more) 564A 5
Total credit lines 881 $2.2M
NCUA data file FS220B (21 items)

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

Community Spirit 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 $2K
Amount of Delinquent Unsecured Credit Card Loans as of - 6 to less than 12 months delinquent 027B $3K
Number - Total Delinquent Credit Card Loans 045A 4
Total Amount of Delinquent Unsecured Credit Card Loans 045B $9K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $1.2M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $1.2M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $17.9M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $122K
All other shares - < 1 Year 630A $292K
Amount of Regular Shares - < 1 Year 657A $8.0M
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $5
Fair value of Held to Maturity Securities 801 $8.8M
Amount of Share Drafts - < 1 Year 902A $3.1M
Total Amount of IRA/KEOGH Accounts 906C $951K
Share Certificates - 1-3 Years 908B1 $138K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $61K
Number of New Vehicle Loans 958 76
Total Shares 966 $3K
Number of Unsecured Credit Card Loans 993 91
Number of All Other Unsecured Loans/Lines of Credit 994 145
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 9
NCUA data file FS220C (4 items)

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

Community Spirit Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $4
Number of credit union branches (include the main office if member services are conducted at that location) 566 1
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $1.7M
Outstanding balance of brokered certificates of deposit and share certificates 788 $9.2M
NCUA data file FS220D (21 items)

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

Community Spirit 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
No Cost Bill Payer 879C2 $1
Credit Builder 879D1 $1
Brokered Certificates of Deposits 879N $1
Brokered Deposits (All deposits acquired through a third party) 879T $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
Offer Custodial Accounts PP0032 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA data file FS220G (1 item)

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

Community Spirit Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Credit Lines at Corporate Credit Unions 884 $2.2M
NCUA data file FS220H (1 item)

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

Community Spirit Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $1.7M
NCUA data file FS220I (9 items)

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

Community Spirit Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $55K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $20K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $58K
Amount of Used Vehicle Loans Delinquent >=360 days 023C2 $31K
Number of Reportable Delinquent Used Vehicle Loans 035E2 15
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $124K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $15K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $700
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $25K
NCUA data file FS220L (8 items)

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

Community Spirit Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $777
Total Amount of Loans & Leases on Loan Schedule 025B1 $10.0M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $375K
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 675.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 675.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 785.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $1.4M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $447K
NCUA data file FS220M (7 items)

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

Community Spirit 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 $211K
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 $87K
Total Unfunded Commitments for Non-Commercial Loans 816T $1.7M
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 15
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 10
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 94
NCUA data file FS220N (8 items)

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

Community Spirit Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Held-to-Maturity Debt Securities <=1 Year AS0068 $2.0M
Held-to-Maturity Debt Securities >1 and <=3 Years AS0069 $2.7M
Held-to-Maturity Debt Securities >3 and <=5 Years AS0070 $2.7M
Held-to-Maturity Debt Securities >5 and <= 10 Years AS0071 $1.2M
Held-to-Maturity Debt Securities > 10 Years AS0072 $419K
Total Liabilities LI0069 $19.2M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $49K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $21.5M
NCUA data file FS220P (21 items)

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

Community Spirit 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 $949
Loan Loss Information - YTD Charge Offs - All Other Secured Non-Real Estate Loans/Lines of Credit CH0015 $11K
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $4K
Unsecured Credit Card Loans DL0002 $4K
All Other Unsecured Loans/Lines of Credit DL0022 $2K
All Other Unsecured Loans/Lines of Credit DL0024 $1K
All Other Unsecured Loans/Lines of Credit DL0025 $4K
All Other Unsecured Loans/Lines of Credit DL0027 $6K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $3
Used Vehicle Loans DL0037 $15K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $10K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $7K
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 $23K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $2
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $23K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $18K
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 $41K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0063 $2
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $42K
Amount of Consumer Loans in Non-Accrual Status DL0145 $113K
NCUA data file FS220Q (27 items)

investment portfolio detail (69%)

Community Spirit Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0013 $440K
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0014 $392K
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0017 $419K
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0018 $411K
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0021 $859K
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0022 $804K
Held-to-maturity Amortized Cost - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0073 $8.1M
Held-to-maturity Fair Value - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0074 $8.0M
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $9.0M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $400K
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $200K
Investment Maturity Distribution - Time Deposits - Total NV0116 $600K
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $9.0M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $33K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $33K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $2.4M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $2.9M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $2.7M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $1.2M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $453K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $9.6M
RBC Total Equity RB0001 $2.2M
RBC Allowance for Credit Losses RB0002 $66K
RBC Total Additions RB0005 $66K
RBC Total Deductions RB0009 $184K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $2.1M
RBC Risk-Based Capital Numerator RB0012 $2.1M
NCUA data file FS220R (30 items)

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

Community Spirit Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $9.0M
RBC Schedule Total Consumer Loans RB0060 $9.2M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $66K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $66K
RBC Schedule Total Loans RB0079 $9.9M
RBC Total for Risk Weighting Total Loans RB0081 -$66K
RBC Total Loans 0% Weight RB0082 -$66K
RBC Schedule Total Other Assets RB0088 $830K
RBC Total for Risk Weighting Other Assets RB0090 $184K
RBC Other Assets 0% Weight RB0091 $184K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $21.5M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $118K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $118K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $21.5M
RBC Allowance for Credit Losses (Loans) RB0177 $66K
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 1.00%
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 5,761.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 14.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 441,471.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $447K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Adjustable Rate RL0021 10.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Adjustable Rate RL0022 374,546.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Adjustable Rate RL0023 42,763.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $375K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $43K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $25
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $822K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $43K
Total Shares SH0013 $19.1M
Total Shares and Deposits SH0018 $19.1M

Community Spirit 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 Community Spirit Credit Union call report?

The Community Spirit 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 Community Spirit Credit Union file?

Community Spirit 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 Community Spirit 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 Community Spirit Credit Union is 65493.

How often does Community Spirit Credit Union file a call report?

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

Community Spirit Credit Union financials and ratios →

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