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Credit union call report ยท Sylvania, OH

Directions Credit Union Call Report

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Directions Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 477 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Directions Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number60978
Federal Reserve RSSD ID142898

The official copy: search charter number 60978 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Directions Credit Union call report, Q2 2026

Statement of Financial Condition (39 items)
Directions Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $12.6M
1b. Cash Items in Process of Collection AS0005 $5.2M
1c. Total Cash on Hand 730A $17.8M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $142.1M
2c. Cash on Deposit in Other Financial Institutions 730B2 $7.2M
2. Cash on Deposit (total) 730B $149.2M
3. Time Deposits in Banks and Credit Unions AS0007 $3.7M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $170.8M
8. Available-for-Sale Debt Securities AS0067 $36.5M
9. Held-to-Maturity Debt Securities AS0073 $3.6M
11. TOTAL INVESTMENT SECURITIES AS0013 $40.0M
12b. Perpetual Contributed Capital 769B $2.0M
12c. All Other Investments AS0016 $5.6M
13. TOTAL OTHER INVESTMENTS AS0017 $7.5M
15a. Number of Total Loans and Leases 025A 46,887
15b. Total Loans and Leases 025B $1.13B
17. ACL on Loans and Leases AS0048 $4.7M
18c. Foreclosed/Repossessed - Vehicles AS0024 $298K
18e. Foreclosed/Repossessed Assets (total) 798A $298K
19. Land and Building 007 $6.9M
20. Other Fixed Assets 008 $10.7M
21. NCUA Share Insurance Capitalization Deposit 794 $11.2M
22a. Goodwill 009D2 $632K
22b. Mortgage Servicing Rights 779 $975K
22d. Accrued Interest on Loans 009A $3.5M
22e. Accrued Interest on Investments 009B $279K
22f. All Other Assets 009C $19.3M
22g. Total Other Assets AS0036 $24.7M
23. TOTAL ASSETS 010 $1.40B
Accounts Payable and Other Liabilities 825 $25.5M
Accrued Dividends and Interest Payable 820A $21K
Borrowings (total) 860C $24.2M
Member Shares of All Types 013 $1.21B
Nonmember Deposits 880 $6.5M
Total Shares and Deposits 018 $1.22B
Undivided Earnings 940 $112.9M
Total Net Worth 997 $132.4M
Net Worth Ratio 998 9.66%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $1.40B
Statement of Income and Expense (27 items)
Directions Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $30.9M
3. Income from Investments 120 $3.7M
5. TOTAL INTEREST INCOME 115 $34.6M
6. Dividends on Shares 380 $8.6M
7. Interest on Deposits 381 $127K
8. Interest on Borrowed Money 340 $617K
9. TOTAL INTEREST EXPENSE 350 $9.4M
10. NET INTEREST INCOME IS0010 $25.2M
12a. Credit Loss Expense - Loans and Leases IS0011 $2.4M
12d. Credit Loss Expense - Off-Balance-Sheet IS0016 $87K
12e. Total Credit Loss Expense IS0017 $2.5M
13. Fee Income 131 $2.4M
14. Other Operating Income IS0020 $4.8M
19. Gain (Loss) on Sale of Loans IS0029 $109K
22. Other Non-Operating Income 440 $56K
23. TOTAL NON-INTEREST INCOME 117 $7.3M
24. Employee Compensation and Benefits 210 $7.9M
25. Travel and Conference 230 $276K
26. Office Occupancy 250 $1.6M
27. Office Operations 260 $2.5M
28. Educational and Promotional 270 $1.3M
29. Loan Servicing 280 $960K
30. Professional and Outside Services 290 $6.9M
32. Operating Fees 320 $65K
33. Miscellaneous Operating Expense 360 $598K
34. TOTAL NON-INTEREST EXPENSE 671 $22.1M
35. NET INCOME 661A $7.9M
Statement pages - all other filed accounts (25 items)

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

Directions 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 $6.5M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $1.1M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $341K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $292K
Loans Granted Year-to-Date 031A $6K
Amount of Loans Granted Year-to-Date 031B $202.0M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $4.2M
Number of current members (not number of accounts) 083 97,609
Number of potential members 084 3,511,653
Net Member Business Loan Balance 400A $26.2M
Non-Member Deposits 457 $3
Interest Rate of Unsecured Credit Card Loans 521 999.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,180.00%
Interest Rate of New Vehicle Loans 523 549.00%
Interest Rate of Used Vehicle Loans 524 549.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $1.8M
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $652K
Total Amount of All Other Shares 630 $40.6M
Amount of Regular Shares 657 $304.3M
Amount of Share Drafts 902 $237.3M
IRA/KEOGH Accounts - < 1 Year 906A $34.1M
Share Certificates - < 1 Year 908A $128.5M
Total Amount of Share Certificates 908C $204.3M
Total Amount of Money Market Shares 911 $376.1M
Number of Used Vehicle Loans 968 16,511
NCUA data file FS220A (30 items)

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

Directions Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
The average of the current and three preceding quarter-end balances 010C $1.37B
Total Shares - < 1 Year 013A $1.12B
Total Shares - 1-3 Years 013B1 $68.3M
Total Shares - > 3 Years 013B2 $20.1M
Total Shares and Deposits - < 1 Year 018A $1.12B
Total Shares and Deposits - 1-3 Years 018B1 $70.4M
Total Shares and Deposits - > 3 Years 018B2 $24.6M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 267
Amount of Delinquent Indirect Loans 041E $1.2M
Effective date of last audit 063 $122K
Amount of Used Vehicle Loans 370 $274.9M
Amount of New Vehicle Loans 385 $154.0M
Amount of Unsecured Credit Card Loans 396 $42.1M
Amount of All Other Unsecured Loans/Lines of Credit 397 $23.0M
Share Certificates 451 $7K
Number of Accounts for Share Drafts 452 52,573
IRA/KEOGH Accounts 453 $2K
Number of Accounts for Regular Shares 454 101,048
All other shares 455 $15K
Money Market Shares 458 $7K
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 184,873
Number of credit union employees who are Full-Time (26 hours or more) 564A 272
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 6
Number of Outstanding Indirect Loans 617A 16,155
Total Amount of Outstanding Indirect Loans 618A $374.2M
Amount of real estate loans sold but serviced by the credit union 779A $166.9M
Total credit lines 881 $323.0M
Draws against lines of credit, 1 to 3 years 883B1 $19.9M
Draws against lines of credit, more than 3 years 883B2 $4.3M
Draws against lines of credit, total amount 883C $24.2M
NCUA data file FS220B (34 items)

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

Directions 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 $117K
Number - Total Delinquent Credit Card Loans 045A 78
Total Amount of Delinquent Unsecured Credit Card Loans 045B $325K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $60.8M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $60.8M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $1.16B
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $92K
All other shares - < 1 Year 630A $40.6M
Amount of Regular Shares - < 1 Year 657A $304.3M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $671K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $189K
Total Amount of All First Mortgage Loans which have been sold in the secondary market year-to-date 736 $8.2M
Fair value of Held to Maturity Securities 801 $3.6M
Total Borrowings - 1-3 Years 860B1 $19.9M
Total Borrowings - > 3 Years 860B2 $4.3M
Does you credit union maintain share/deposit insurance coverage other than the NCUSIF? 875 $1
Dollar amount of shares and/or deposits insured by the company named above 877 $40.2M
Non-Member Deposits - 1-3 Years 880B1 $2.1M
Non-Member Deposits - > 3 Years 880B2 $4.4M
Is your credit union a member of a Federal Home Loan Bank? 896 $1
Amount of Share Drafts - < 1 Year 902A $237.3M
IRA/KEOGH Accounts - 1-3 Years 906B1 $8.0M
IRA/KEOGH Accounts - > 3 Years 906B2 $4.7M
Total Amount of IRA/KEOGH Accounts 906C $46.7M
Share Certificates - 1-3 Years 908B1 $60.4M
Share Certificates - > 3 Years 908B2 $15.5M
Money Market Shares - < 1 Year 911A $376.1M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $1.5M
Number of New Vehicle Loans 958 4,805
Total Shares 966 $185K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $4.0M
Number of Unsecured Credit Card Loans 993 13,725
Number of All Other Unsecured Loans/Lines of Credit 994 4,241
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 25
NCUA data file FS220C (8 items)

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

Directions 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
Total Amount of Indirect Loans Charged Off Year-to-Date 550E $655K
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $230K
Number of credit union branches (include the main office if member services are conducted at that location) 566 21
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $97.5M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $13.0M
Amount of Participation Loans Purchased Year-to-Date 690 $165K
Outstanding balance of brokered certificates of deposit and share certificates 788 $7.0M
NCUA data file FS220D (33 items)

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

Directions Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union provide member services through a credit union shared branch services center? 566A $1
Does the credit union plan to add any new branches or expand existing facilities in the next 12 months? 566B $1
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Education 879B2 $1
First Time Homebuyer Program 879B4 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Credit Builder 879D1 $1
Mortgage Processing 879G $1
Approved Mortgage Seller 879H $1
Brokered Certificates of Deposits 879N $1
International Remittances 879V $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
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
Point-of-sale-Processing PI0012 $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 (9 items)

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

Directions Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $22.9M
Total Outstanding Amount of Participation Loans Purchased By Type 691L $24.4M
Total Value of Investments in CUSOs 851 $1.2M
Total Amount Loaned to CUSOs 852 $157K
Total Aggregate Cash Outlay in CUSOs 853 $1.3M
Assets Pledged to Secure Borrowings 878 $455.1M
Total Credit Lines at Corporate Credit Unions 884 $45.0M
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $19.5M
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $19.5M
NCUA data file FS220H (10 items)

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

Directions Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Amount of Non-Federally Guaranteed Student Loans - 1 to <2 months 020T $26K
Amount of Non-Federally Guaranteed Student Loans - 2 to <6 months 021T $17K
Total Amount of Reportable Delinquency Non-Federally Guaranteed Student Loans 041T $46K
Total number of reportable Non-Federally Guaranteed Student Loans delinquent 053E $2
Interest Rate on Non-Federally Guaranteed Student Loans 595A 754.00%
Amount of Non-Federally Guaranteed Student Loans 698A $12.2M
Total Unfunded Commitments for all loan types 816A $232.7M
Number of Non-Federally Guaranteed Student Loans 963A 457
Total number of TDR loans outstanding 1000F $26
Total amount of TDR loans outstanding 1001F $3.7M
NCUA data file FS220I (18 items)

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

Directions Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $1.0M
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $2.6M
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $109K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $400K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $65K
Number of Reportable Delinquent New Vehicle Loans 035E1 9
Number of Reportable Delinquent Used Vehicle Loans 035E2 81
Amount of Reportable Delinquent New Vehicle Loans 041C1 $247K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $1.3M
Amount of New Vehicle Loans YTD Charge Offs 550C1 $210K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $630K
Amount of New Vehicle Loans YTD Recoveries 551C1 $85K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $258K
Commercial Share Accounts 643 $44.8M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $489K
Draws Against LOCs from FHLB 885A3 $24.2M
Total Draws Againts LOCs 885A4 $24.2M
Number of International Remittances originated Year-to-Date 928 62
NCUA data file FS220J (2 items)

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

Directions Credit Union, NCUA data file FS220J, Q2 2026
Line item Account Q2 2026
Other Assets - Split Dollar Life Insurance Arrangements - Collateral Assignment 789E $10.2M
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $10.2M
NCUA data file FS220L (53 items)

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

Directions Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $47K
Total Amount of Loans & Leases on Loan Schedule 025B1 $1.13B
Total number of commercial loans to members granted or purchased YTD 090A1 $26
Total number of purchased commercial loans or participation interests to nonmembers purchased YTD 090B1 $2
Number of Member Unsecured Revolving Lines of Credit granted for Commercial Purposes granted or purchased YTD 090C6 1
Number of member commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090H2 7
Number of purchased or participation interests in commercial loans secured by owner occupied non-farm, non- residential property to nonmembers purchased YTD 090H3 1
Number of member commercial loans Secured by Non-Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090J2 5
Number of purchased or participation interests in commercial loans secured by non-owner occupied non-farm, non-residential property to nonmembers purchased YTD 090J3 1
Total Number of member commercial real estate secured loans granted or purchased YTD 090K2 $12
Total Number of purchased or participation interests in commercial loans secured by real estate to nonmembers YTD 090K3 $2
Number of Member Commercial and industrial loans granted or purchased YTD 090L2 13
Number of purchased or participation interests in commercial loans secured by construction and development property to nonmembers 143A4 1
Outstanding balance of purchased or participation interests in commercial loans secured by construction and development property to nonmembers 143B4 $1.3M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $77.9M
Amount of All Other Real Estate Loans/Lines of Credit 386B $1.5M
Total outstanding balance of commercial loans to members 400A1 $22.6M
Total outstanding balance of nonmember commercial loans 400B1 $16.1M
Outstanding balance of Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 400C6 $383K
Outstanding balance of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 400H2 $8.1M
Outstanding balance of purchased or participation interests in commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400H3 $195K
Outstanding balance of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 400J2 $11.2M
Outstanding balance of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400J3 $14.6M
Outstanding balance of Member Commercial and Industrial loans 400L2 $2.9M
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $3.3M
Outstanding balance of all member and non-member commercial loans 400T1 $38.6M
Total Dollar amount of member commercial loans granted or purchased YTD 475A1 $5.1M
Total Dollar amount of nonmember commercial loans purchased YTD 475B1 $243K
Dollar Amount of Member Commercial Unsecured Revolving Lines of Credit Granted or purchased YTD 475C6 $5K
Dollar Amount of Member Commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 475H2 $1.2M
Dollar Amount of Purchased or participation interests in commercial loans to nonmembers Secured by Owner Occupied, Non-Farm, Non-Residential Property purchased YTD 475H3 $200K
Dollar Amount of Member Commercial loans Secured by Non-Owner Occupied Non-Farm, Non-Residential Property granted or purchased YTD 475J2 $2.8M
Dollar Amount of Purchased or participation interests in commercial loans to nonmembers Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property purchased YTD 475J3 $43K
Total Dollar amount of real estate secured member commercial loans granted or purchased YTD 475K2 $3.9M
Total Dollar amount of real estate secured commercial loans to nonmembers purchased YTD 475K3 $243K
Dollar Amount of Member Commercial and Industrial loans granted or purchased YTD 475L2 $1.2M
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 840.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 930.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 625.00%
Interest Rate of All Other Real Estate Loans/Lines of Credit 562B 625.00%
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 549.00%
Number of Commercial Small Business Administration Loans Outstanding 691B1 1
Outstanding Balance of Commercial Small Business Administration Loans 691C1 $195K
Guaranteed Portion of Commercial Small Business Administration Loans 691C2 $97K
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Purchased 691L8 $22.7M
Outstanding Amount of Commercial Construction & Development Loans Purchased 691L9 $1.3M
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $25.9M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $482.4M
Balance Outstanding of 1st Mtg Residential construction Loans - Excluding Commercial Purpose 704A2 $16.5M
Total Outstanding Balance of real estate secured member commercial loans 718A3 $19.3M
Total Outstanding Balance of real estate secured nonmember commercial loans 718A4 $16.1M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $35.4M
NCUA data file FS220M (24 items)

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

Directions 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 $52.8M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $131.1M
Total Unfunded Commitments for Commercial Loans 814K $1.9M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $2.1M
Total Other Unfunded Commitments (Non-Commercial) 816B5 $10.1M
Total Unfunded Commitments for Non-Commercial Loans 816T $230.8M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $34.7M
Total number of member commercial loans 900A1 $134
Total number of nonmember commercial loans 900B1 $57
Number of Member Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 900C6 17
Number of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 900H2 41
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 35
Number of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900J3 55
Total number of real estate secured member commercial loans 900K2 $76
Total number of real estate secured nonmember commercial loans 900K3 $57
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 135
Number of Member Commercial and Industrial loans 900L2 41
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 57
Total Number of Member and Nonmember commercial loans 900T1 $191
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 2,851
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 2,144
Number of All Other Real Estate Loans/Lines of Credit 960B 29
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 1,932
NCUA data file FS220N (9 items)

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

Directions Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Available-for-sale Debt Securities <=1 Year AS0062 $9.1M
Available-for-sale Debt Securities >1 and <=3 Years AS0063 $16.0M
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $7.4M
Available-for-sale Debt Securities >5 and <= 10 Years AS0065 $4.0M
Held-to-Maturity Debt Securities <=1 Year AS0068 $3.6M
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$1.3M
Total Liabilities LI0069 $1.27B
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $1.0M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $1.40B
NCUA data file FS220P (48 items)

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

Directions 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 $226K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $68K
Loan Loss Information - YTD Charge Offs - All Other Secured Non-Real Estate Loans/Lines of Credit CH0015 $73K
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $45K
Loan Loss Information - YTD Recoveries - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien CH0018 $6K
Loan Loss Information - YTD Recoveries - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien CH0020 $11
Loan Loss Information - YTD Recoveries - Commercial Loans/Lines of Credit Secured by Owner Occupied, Non-Farm, Non-Residential Property CH0030 $380
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $10.5M
Unsecured Credit Card Loans DL0002 $209K
Non-Federally Guaranteed Student Loans DL0016 $29K
All Other Unsecured Loans/Lines of Credit DL0022 $294K
All Other Unsecured Loans/Lines of Credit DL0023 $83K
All Other Unsecured Loans/Lines of Credit DL0024 $138K
All Other Unsecured Loans/Lines of Credit DL0027 $221K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $65
New Vehicle Loans DL0030 $138K
Used Vehicle Loans DL0037 $853K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $235K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $80K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $18K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $99K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $11
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $1.7M
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $1.3M
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $84K
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0060 $88K
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 $1.5M
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 $10
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $391K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0065 $122K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0066 $192K
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0067 $187K
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 $501K
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 $11
Dollar Amount of Reportable Delinquency - 30 - 59 Days Delinquent - Commercial Loans/Lines of Credit - Commercial and Industrial Loans DL0120 $15K
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $2.8M
Amount of Consumer Loans in Non-Accrual Status DL0145 $1.2M
Number of Indirect Loans - New and Used Vehicle Loans IN0001 14,701
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $324.7M
Number of Indirect Loans - Commercial Loans IN0005 103
Amount of Indirect Loans - Commercial Loans IN0006 $24.6M
Number of Indirect Loans - All Other Loans IN0007 1,351
Amount of Indirect Loans - All Other Loans IN0008 $25.0M
Off-Balance Sheet Exposures - Totally Unconditionally Cancelable Unfunded Commitments for All Loan Types LQ0013 $34.7M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Commercial Loans LQ0014 $1.9M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Secured and Real Estate LQ0015 $52.8M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Unsecured LQ0016 $143.3M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments -Total LQ0017 $198.0M
NCUA data file FS220Q (39 items)

investment portfolio detail (69%)

Directions Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Line of Credit Limit - Federal Home Loan Bank LQ0040 $278.0M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Federal Home Loan Bank LQ0043 $455.1M
Total Borrowings LQ0860 $24.2M
Available-for-sale Amortized Cost - US Government Obligations NV0003 $11.6M
Available-for-sale Fair Value - US Government Obligations NV0004 $11.6M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0015 $26.1M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0016 $24.9M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0023 $26.1M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0024 $24.9M
Held-to-maturity Amortized Cost - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0077 $3.6M
Held-to-maturity Fair Value - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0078 $3.6M
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $3.6M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $37.7M
Total Fair Value Available-for-Sale Debt Securities NV0084 $36.5M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $950K
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $2.5M
Investment Maturity Distribution - Time Deposits - >5-10 Years NV0114 $248K
Investment Maturity Distribution - Time Deposits - Total NV0116 $3.7M
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $36.5M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $3.6M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $5.6M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $2.0M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $7.5M
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $13.6M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $24.0M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $7.4M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $4.2M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $2.0M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $51.3M
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Collateral Assignment - Cash Surrender Value NV0170 $10.2M
RBC Total Equity RB0001 $135.8M
RBC Allowance for Credit Losses RB0002 $4.7M
RBC Total Additions RB0005 $4.7M
RBC Total Deductions RB0009 $11.8M
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $128.7M
RBC Risk-Based Capital Numerator RB0012 $128.7M
Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - Commercial Loans excluding Construction & Development SL0049 $122K
Participation Loans: Participations Purchased - Outstanding Balance - Amount - All Other SL0056 $407K
Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - All Other SL0057 $43K
NCUA data file FS220R (59 items)

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

Directions Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
CCULR Election to opt into the Complex Credit Union Leverage Ratio LR0001 1.00%
CCULR Off-Balance sheet exposures LR0002 $198.0M
CCULR Off-Balance sheet exposures ratio LR0003 1,414.00%
CCULR Goodwill and Other Intangible Assets LR0006 $632K
CCULR Goodwill and Other Intangible Assets Ratio LR0007 4.00%
RBC Schedule Total Investments RB0039 $47.6M
RBC Schedule Total Consumer Loans RB0060 $533.6M
RBC Schedule Total Commercial Loans RB0068 $38.6M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $4.7M
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $4.7M
RBC Schedule Total Loans RB0079 $1.13B
RBC Total for Risk Weighting Total Loans RB0081 -$4.7M
RBC Total Loans 0% Weight RB0082 -$4.7M
RBC Schedule Total Other Assets RB0088 $53.9M
RBC Total for Risk Weighting Other Assets RB0090 $11.8M
RBC Other Assets 0% Weight RB0091 $11.8M
RBC Total from Schedule On-Balance Sheet Assets RB0099 $1.40B
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $7.1M
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $7.1M
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $1.40B
RBC Allowance for Credit Losses (Loans) RB0177 $4.7M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 2,317.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 403,960,045.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 48,501,795.00%
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 420.00%
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 48,409,521.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 20,546,655.00%
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 $1
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 $62K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 113.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 29,987,498.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Adjustable Rate RL0015 11,525,882.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $482.4M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $80.6M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 291.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 11,308,254.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 1,853.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 66,608,886.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 14,342,901.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $77.9M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $14.3M
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Number of Loans Outstanding RL0032 27.00%
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Amount of Loans Outstanding RL0033 1,517,103.00%
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Amount of Loans Granted YTD RL0034 42,750.00%
All Other (Non-commercial) Real Estate - Amount of Loans Outstanding - Total RL0044 $1.5M
All Other (Non-commercial) Real Estate - Amount of Loans Granted YTD - Total RL0045 $43K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $5K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $561.9M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $95.0M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $96.7M
Total Shares SH0013 $1.21B
Total Shares and Deposits SH0018 $1.22B
Total Non-Member Deposits SH0880 $6.5M
Number of Loans Sold, Year-to-date SL0022 39
Amount of Loans Sold, Year-to-date SL0023 $8.2M
Number of First Mortgage loans sold on the secondary market, Year-to-date SL0024 39
Number of Real Estate Loans Sold with Servicing Retained, Year-to-date SL0028 39
Amount of Real Estate Loans Sold with Servicing Retained, Year-to-date SL0029 $8.2M
Number of Outstanding Real Estate Loans Sold with Servicing Retained SL0030 1,591
NCUA data file FS220S (10 items)

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

Directions 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
Auto Lending PP0038 $1
Mortgage Lending PP0039 $1
Secured personal loans PP0040 $1
Unsecured personal loans PP0041 $1
Acquire participation loans PP0044 $1
Person-to-Person payments PP0045 $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

Directions 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 Directions Credit Union call report?

The Directions 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 Directions Credit Union file?

Directions 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 Directions 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 Directions Credit Union is 60978.

How often does Directions Credit Union file a call report?

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

Directions Credit Union financials and ratios →

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