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Credit union call report ยท New Castle, DE

Edu Federal Credit Union Call Report

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Edu Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 256 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Edu Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number8609
Federal Reserve RSSD ID352389

The official copy: search charter number 8609 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Edu Federal Credit Union call report, Q2 2026

Statement of Financial Condition (30 items)
Edu Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $350K
1c. Total Cash on Hand 730A $350K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $3.3M
2c. Cash on Deposit in Other Financial Institutions 730B2 $69K
2. Cash on Deposit (total) 730B $3.3M
3. Time Deposits in Banks and Credit Unions AS0007 $15.0M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $18.7M
8. Available-for-Sale Debt Securities AS0067 $3.3M
11. TOTAL INVESTMENT SECURITIES AS0013 $3.3M
12b. Perpetual Contributed Capital 769B $175K
13. TOTAL OTHER INVESTMENTS AS0017 $175K
15a. Number of Total Loans and Leases 025A 2,116
15b. Total Loans and Leases 025B $21.0M
17. ACL on Loans and Leases AS0048 $160K
19. Land and Building 007 $509K
20. Other Fixed Assets 008 $34K
21. NCUA Share Insurance Capitalization Deposit 794 $405K
22d. Accrued Interest on Loans 009A $33K
22e. Accrued Interest on Investments 009B $98K
22f. All Other Assets 009C $107K
22g. Total Other Assets AS0036 $238K
23. TOTAL ASSETS 010 $44.2M
Accounts Payable and Other Liabilities 825 $48K
Accrued Dividends and Interest Payable 820A $22K
Member Shares of All Types 013 $41.2M
Total Shares and Deposits 018 $41.2M
Undivided Earnings 940 $3.0M
Total Net Worth 997 $3.0M
Net Worth Ratio 998 6.81%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $44.2M
Statement of Income and Expense (22 items)
Edu Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $553K
3. Income from Investments 120 $302K
5. TOTAL INTEREST INCOME 115 $855K
6. Dividends on Shares 380 $12K
9. TOTAL INTEREST EXPENSE 350 $12K
10. NET INTEREST INCOME IS0010 $843K
12a. Credit Loss Expense - Loans and Leases IS0011 $77K
12e. Total Credit Loss Expense IS0017 $77K
13. Fee Income 131 $61K
14. Other Operating Income IS0020 $46K
23. TOTAL NON-INTEREST INCOME 117 $107K
24. Employee Compensation and Benefits 210 $392K
25. Travel and Conference 230 $3K
26. Office Occupancy 250 $52K
27. Office Operations 260 $313K
28. Educational and Promotional 270 $21K
29. Loan Servicing 280 $49K
30. Professional and Outside Services 290 $29K
32. Operating Fees 320 $4K
33. Miscellaneous Operating Expense 360 $21K
34. TOTAL NON-INTEREST EXPENSE 671 $883K
35. NET INCOME 661A -$10K
Statement pages - all other filed accounts (23 items)

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

Edu Federal Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $93K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $306K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $127K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $22K
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 $156
Amount of Loans Granted Year-to-Date 031B $3.6M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $540K
Number of current members (not number of accounts) 083 8,026
Number of potential members 084 30,000
Interest Rate of Unsecured Credit Card Loans 521 999.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 990.00%
Interest Rate of New Vehicle Loans 523 350.00%
Interest Rate of Used Vehicle Loans 524 450.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $78K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $4K
Amount of Regular Shares 657 $32.1M
Amount of Share Drafts 902 $7.8M
IRA/KEOGH Accounts - < 1 Year 906A $464K
Share Certificates - < 1 Year 908A $203K
Total Amount of Share Certificates 908C $795K
Total Amount of Money Market Shares 911 $3K
Number of Used Vehicle Loans 968 154
NCUA data file FS220A (18 items)

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

Edu Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $40.6M
Total Shares - 1-3 Years 013B1 $592K
Total Shares and Deposits - < 1 Year 018A $40.6M
Total Shares and Deposits - 1-3 Years 018B1 $592K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 42
Effective date of last audit 063 $122K
Amount of Used Vehicle Loans 370 $1.9M
Amount of New Vehicle Loans 385 $10.5M
Amount of Unsecured Credit Card Loans 396 $1.8M
Amount of All Other Unsecured Loans/Lines of Credit 397 $2.9M
Share Certificates 451 $79
Number of Accounts for Share Drafts 452 2,766
IRA/KEOGH Accounts 453 $72
Number of Accounts for Regular Shares 454 8,465
Money Market Shares 458 $1
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 11,383
Number of credit union employees who are Full-Time (26 hours or more) 564A 9
Total credit lines 881 $1.3M
NCUA data file FS220B (23 items)

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

Edu Federal Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $43K
Amount of Delinquent Unsecured Credit Card Loans as of - 6 to less than 12 months delinquent 027B $37K
Amount of Delinquent Unsecured Credit Card Loans as of - 12 months and over delinquent 028B $2K
Number - Total Delinquent Credit Card Loans 045A 13
Total Amount of Delinquent Unsecured Credit Card Loans 045B $91K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $203K
Total Uninsured Shares and Deposits > $250K (F+J) 068A $203K
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $41.0M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $122K
Amount of Regular Shares - < 1 Year 657A $32.1M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $15K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $1K
Amount of Share Drafts - < 1 Year 902A $7.8M
Total Amount of IRA/KEOGH Accounts 906C $464K
Share Certificates - 1-3 Years 908B1 $592K
Money Market Shares - < 1 Year 911A $3K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $192K
Number of New Vehicle Loans 958 509
Total Shares 966 $11K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $32K
Number of Unsecured Credit Card Loans 993 836
Number of All Other Unsecured Loans/Lines of Credit 994 454
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 11
NCUA data file FS220C (4 items)

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

Edu Federal Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $1
Number of credit union branches (include the main office if member services are conducted at that location) 566 2
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $115K
Outstanding balance of brokered certificates of deposit and share certificates 788 $14.9M
NCUA data file FS220D (19 items)

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

Edu Federal 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
Student Scholarships 879C4 $1
Deposits and Shares Meeting 703.10(a) 879M $1
Brokered Certificates of Deposits 879N $1
Low-cost wire transfers 879W $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $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 Non-Custodial Accounts PP0033 $1
CU offer Shared service network PP0058 $1
NCUA data file FS220G (1 item)

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

Edu Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Credit Lines at Corporate Credit Unions 884 $1.3M
NCUA data file FS220H (7 items)

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

Edu Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Amount of Non-Federally Guaranteed Student Loans - 2 to <6 months 021T $3K
Total Amount of Reportable Delinquency Non-Federally Guaranteed Student Loans 041T $3K
Total number of reportable Non-Federally Guaranteed Student Loans delinquent 053E $1
Interest Rate on Non-Federally Guaranteed Student Loans 595A 700.00%
Amount of Non-Federally Guaranteed Student Loans 698A $35K
Total Unfunded Commitments for all loan types 816A $2.0M
Number of Non-Federally Guaranteed Student Loans 963A 28
NCUA data file FS220I (13 items)

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

Edu Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $65K
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $144K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $76K
Amount of New Vehicle Loans Delinquent 180 to 359 days 022C1 $4K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $52K
Amount of New Vehicle Loans Delinquent >=360 days 023C1 $3K
Number of Reportable Delinquent New Vehicle Loans 035E1 7
Number of Reportable Delinquent Used Vehicle Loans 035E2 7
Amount of Reportable Delinquent New Vehicle Loans 041C1 $204K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $128K
Amount of New Vehicle Loans YTD Charge Offs 550C1 $47K
Amount of New Vehicle Loans YTD Recoveries 551C1 $814
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $6K
NCUA data file FS220L (8 items)

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

Edu Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $2K
Total Amount of Loans & Leases on Loan Schedule 025B1 $21.0M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $3.2M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 550.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 750.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 500.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $449K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $231K
NCUA data file FS220M (8 items)

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

Edu Federal Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $375K
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $1.5M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $4K
Total Other Unfunded Commitments (Non-Commercial) 816B5 $124K
Total Unfunded Commitments for Non-Commercial Loans 816T $2.0M
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 11
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 87
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 37
NCUA data file FS220N (6 items)

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

Edu Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Available-for-sale Debt Securities <=1 Year AS0062 $1.5M
Available-for-sale Debt Securities >1 and <=3 Years AS0063 $698K
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $1.1M
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$51K
Total Liabilities LI0069 $41.3M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $44.2M
NCUA data file FS220P (15 items)

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

Edu Federal Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $16K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $2K
Unsecured Credit Card Loans DL0002 $10K
All Other Unsecured Loans/Lines of Credit DL0022 $23K
All Other Unsecured Loans/Lines of Credit DL0023 $20K
All Other Unsecured Loans/Lines of Credit DL0024 $40K
All Other Unsecured Loans/Lines of Credit DL0025 $35K
All Other Unsecured Loans/Lines of Credit DL0027 $95K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $13
New Vehicle Loans DL0030 $54K
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0068 $18K
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 $18K
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 $1
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $84K
Amount of Consumer Loans in Non-Accrual Status DL0145 $455K
NCUA data file FS220Q (27 items)

investment portfolio detail (69%)

Edu Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Available-for-sale Amortized Cost - US Government Obligations NV0003 $500K
Available-for-sale Fair Value - US Government Obligations NV0004 $502K
Available-for-sale Amortized Cost - Federal Agency Securities - Non-Guaranteed - Agency/GSE Debt Instruments - Non-Guaranteed NV0027 $1.5M
Available-for-sale Fair Value - Federal Agency Securities - Non-Guaranteed - Agency/GSE Debt Instruments - Non-Guaranteed NV0028 $1.5M
Available-for-sale Amortized Cost - Federal Agency Securities - Non-Guaranteed - Total Federal Agency Securities - Non-Guaranteed NV0035 $1.5M
Available-for-sale Fair Value - Federal Agency Securities - Non-Guaranteed - Total Federal Agency Securities - Non-Guaranteed NV0036 $1.5M
Available-for-sale Amortized Cost - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0079 $1.4M
Available-for-sale Fair Value - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0080 $1.3M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $3.4M
Total Fair Value Available-for-Sale Debt Securities NV0084 $3.3M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $3.0M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $7.4M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $4.7M
Investment Maturity Distribution - Time Deposits - Total NV0116 $15.0M
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $3.3M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $175K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $175K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $4.5M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $8.2M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $5.8M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $18.5M
RBC Total Equity RB0001 $3.0M
RBC Allowance for Credit Losses RB0002 $160K
RBC Total Additions RB0005 $160K
RBC Total Deductions RB0009 $405K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $2.8M
RBC Risk-Based Capital Numerator RB0012 $2.8M
NCUA data file FS220R (32 items)

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

Edu Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $3.5M
RBC Schedule Total Consumer Loans RB0060 $17.6M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $160K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $160K
RBC Schedule Total Loans RB0079 $20.9M
RBC Total for Risk Weighting Total Loans RB0081 -$160K
RBC Total Loans 0% Weight RB0082 -$160K
RBC Schedule Total Other Assets RB0088 $1.2M
RBC Total for Risk Weighting Other Assets RB0090 $405K
RBC Other Assets 0% Weight RB0091 $405K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $44.2M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $245K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $245K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $44.2M
RBC Allowance for Credit Losses (Loans) RB0177 $160K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 11.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 231,261.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $231K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 69.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 2,482,987.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 335,644.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 18.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 699,281.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 150,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $3.2M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $486K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $98
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $3.4M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $486K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $936K
Total Shares SH0013 $41.2M
Total Shares and Deposits SH0018 $41.2M

Edu Federal Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Edu Federal Credit Union call report?

The Edu Federal Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Edu Federal Credit Union file?

Edu Federal Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Edu Federal Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Edu Federal Credit Union is 8609.

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

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

Edu Federal Credit Union financials and ratios →

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