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Credit union call report ยท Chicago, IL

Elca Federal Credit Union Call Report

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Elca Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 255 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Elca Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number24866
Federal Reserve RSSD ID4878878

The official copy: search charter number 24866 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Elca Federal Credit Union call report, Q2 2026

Statement of Financial Condition (27 items)
Elca Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1b. Cash Items in Process of Collection AS0005 $27K
1c. Total Cash on Hand 730A $27K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $4.4M
2b. Cash on Deposit in Federal Reserve Bank AS0003 $10.4M
2. Cash on Deposit (total) 730B $14.8M
3. Time Deposits in Banks and Credit Unions AS0007 $2.9M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $17.8M
12b. Perpetual Contributed Capital 769B $80K
13. TOTAL OTHER INVESTMENTS AS0017 $80K
15a. Number of Total Loans and Leases 025A 1,400
15b. Total Loans and Leases 025B $12.1M
17. ACL on Loans and Leases AS0048 $99K
20. Other Fixed Assets 008 $20K
21. NCUA Share Insurance Capitalization Deposit 794 $126K
22d. Accrued Interest on Loans 009A $23K
22e. Accrued Interest on Investments 009B $8K
22f. All Other Assets 009C $99K
22g. Total Other Assets AS0036 $130K
23. TOTAL ASSETS 010 $30.1M
Accounts Payable and Other Liabilities 825 $234K
Member Shares of All Types 013 $26.6M
Total Shares and Deposits 018 $26.6M
Undivided Earnings 940 $3.2M
Net Income (equity) 602 $45K
Total Net Worth 997 $3.3M
Net Worth Ratio 998 10.92%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $30.1M
Statement of Income and Expense (22 items)
Elca Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $381K
3. Income from Investments 120 $328K
5. TOTAL INTEREST INCOME 115 $709K
6. Dividends on Shares 380 $259K
9. TOTAL INTEREST EXPENSE 350 $259K
10. NET INTEREST INCOME IS0010 $450K
12a. Credit Loss Expense - Loans and Leases IS0011 $15K
12e. Total Credit Loss Expense IS0017 $15K
13. Fee Income 131 $90K
18. Gain (Loss) on Disposition of Fixed Assets 430 $4K
22. Other Non-Operating Income 440 $60K
23. TOTAL NON-INTEREST INCOME 117 $153K
24. Employee Compensation and Benefits 210 $233K
25. Travel and Conference 230 $4K
26. Office Occupancy 250 $20K
27. Office Operations 260 $187K
28. Educational and Promotional 270 $77K
29. Loan Servicing 280 $13K
30. Professional and Outside Services 290 $7K
32. Operating Fees 320 $2K
34. TOTAL NON-INTEREST EXPENSE 671 $543K
35. NET INCOME 661A $45K
Statement pages - all other filed accounts (19 items)

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

Elca 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 $23K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $18K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $11K
Loans Granted Year-to-Date 031A $127
Amount of Loans Granted Year-to-Date 031B $1.8M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $22K
Number of current members (not number of accounts) 083 2,389
Number of potential members 084 2,793,899
Net Member Business Loan Balance 400A $1.3M
Interest Rate of Unsecured Credit Card Loans 521 1,499.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 799.00%
Interest Rate of New Vehicle Loans 523 399.00%
Interest Rate of Used Vehicle Loans 524 489.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $12K
Amount of Regular Shares 657 $9.6M
Amount of Share Drafts 902 $15.2M
Share Certificates - < 1 Year 908A $1.5M
Total Amount of Share Certificates 908C $1.7M
Number of Used Vehicle Loans 968 106
NCUA data file FS220A (17 items)

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

Elca Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $26.3M
Total Shares - 1-3 Years 013B1 $260K
Total Shares and Deposits - < 1 Year 018A $26.3M
Total Shares and Deposits - 1-3 Years 018B1 $260K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 4
Effective date of last audit 063 $122K
Amount of Used Vehicle Loans 370 $1.2M
Amount of New Vehicle Loans 385 $995K
Amount of Unsecured Credit Card Loans 396 $763K
Amount of All Other Unsecured Loans/Lines of Credit 397 $1.7M
Share Certificates 451 $82
Number of Accounts for Share Drafts 452 1,117
Number of Accounts for Regular Shares 454 3,569
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 4,768
Number of credit union employees who are Full-Time (26 hours or more) 564A 5
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 2
Total credit lines 881 $4.0M
NCUA data file FS220B (17 items)

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

Elca 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 $15K
Number - Total Delinquent Credit Card Loans 045A 3
Total Amount of Delinquent Unsecured Credit Card Loans 045B $19K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $13.3M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $13.3M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $13.3M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $122K
Amount of Regular Shares - < 1 Year 657A $9.6M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $7K
Amount of Share Drafts - < 1 Year 902A $15.2M
Share Certificates - 1-3 Years 908B1 $260K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $138K
Number of New Vehicle Loans 958 61
Total Shares 966 $5K
Number of Unsecured Credit Card Loans 993 870
Number of All Other Unsecured Loans/Lines of Credit 994 221
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 11
NCUA data file FS220C (3 items)

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

Elca 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 1
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $931K
NCUA data file FS220D (30 items)

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

Elca 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
Financial Education 879B2 $1
Financial Literacy Workshops 879B3 $1
Credit Management and Repair 879B6 $1
Online Financial Literacy 879B7 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Credit Builder 879D1 $1
Mortgage Processing 879G $1
Approved Mortgage Seller 879H $1
Deposits and Shares Meeting 703.10(a) 879M $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 Non-Custodial Accounts PP0033 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA data file FS220G (5 items)

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

Elca Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Outstanding Amount of Participation Loans Purchased By Type 691L $3.6M
Outstanding Amount of Real Estate Participation Loans Purchased 691L2 $3.6M
Total Outstanding Amount of Participation Loans Sold By Type 691N $333K
Outstanding Amount of Real Estate Participation Loans Sold 691N2 $333K
Total Credit Lines at Corporate Credit Unions 884 $4.0M
NCUA data file FS220H (3 items)

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

Elca Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $5.5M
Total number of TDR loans outstanding 1000F $1
Total amount of TDR loans outstanding 1001F $6K
NCUA data file FS220I (3 items)

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

Elca Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Commercial Share Accounts 643 $18.5M
Amount of Grants Awarded Year-to-Date 926 $25K
Amount of Grants Received Year-to-Date 927 $10K
NCUA data file FS220L (20 items)

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

Elca Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $1K
Total Amount of Loans & Leases on Loan Schedule 025B1 $12.1M
Total number of commercial loans to members granted or purchased YTD 090A1 $2
Number of Member Unsecured Commercial Loans granted or purchased YTD 090C5 1
Number of Member Unsecured Revolving Lines of Credit granted for Commercial Purposes granted or purchased YTD 090C6 1
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $810K
Total outstanding balance of commercial loans to members 400A1 $1.2M
Outstanding balance of Unsecured Member Commercial Loans 400C5 $1.2M
Outstanding balance of Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 400C6 $68K
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $1.2M
Outstanding balance of all member and non-member commercial loans 400T1 $1.2M
Total Dollar amount of member commercial loans granted or purchased YTD 475A1 $171K
Dollar Amount of Member Unsecured Commercial Loans granted or purchased YTD 475C5 $71K
Dollar Amount of Member Commercial Unsecured Revolving Lines of Credit Granted or purchased YTD 475C6 $100K
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 813.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 674.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 598.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 489.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $123K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $5.3M
NCUA data file FS220M (13 items)

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

Elca 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 $731K
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $3.4M
Total Unfunded Commitments for Commercial Loans 814K $65K
Total Other Unfunded Commitments (Non-Commercial) 816B5 $1.3M
Total Unfunded Commitments for Non-Commercial Loans 816T $5.4M
Total number of member commercial loans 900A1 $19
Number of Member Unsecured Commercial Loans 900C5 16
Number of Member Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 900C6 3
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 19
Total Number of Member and Nonmember commercial loans 900T1 $19
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 94
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 22
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 7
NCUA data file FS220N (3 items)

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

Elca Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Total Liabilities LI0069 $26.8M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $7K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $30.1M
NCUA data file FS220P (8 items)

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

Elca 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 $4K
Unsecured Credit Card Loans DL0002 $4K
All Other Unsecured Loans/Lines of Credit DL0024 $3K
All Other Unsecured Loans/Lines of Credit DL0027 $3K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $1
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $12K
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $4K
Amount of Consumer Loans in Non-Accrual Status DL0145 $22K
NCUA data file FS220Q (16 items)

investment portfolio detail (69%)

Elca Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $2.1M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $800K
Investment Maturity Distribution - Time Deposits - Total NV0116 $2.9M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $80K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $80K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $2.1M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $800K
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $80K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $3.0M
RBC Total Equity RB0001 $3.3M
RBC Allowance for Credit Losses RB0002 $99K
RBC Total Additions RB0005 $99K
RBC Total Deductions RB0009 $126K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $3.3M
RBC Risk-Based Capital Numerator RB0012 $3.3M
Participation Loans: Participations Purchased - Outstanding Balance - Amount - Vehicle - Non-commercial SL0036 $43K
NCUA data file FS220R (40 items)

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

Elca Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $80K
RBC Schedule Total Consumer Loans RB0060 $4.8M
RBC Schedule Total Commercial Loans RB0068 $1.2M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $99K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $99K
RBC Schedule Total Loans RB0079 $12.0M
RBC Total for Risk Weighting Total Loans RB0081 -$99K
RBC Total Loans 0% Weight RB0082 -$99K
RBC Schedule Total Other Assets RB0088 $276K
RBC Total for Risk Weighting Other Assets RB0090 $126K
RBC Other Assets 0% Weight RB0091 $126K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $30.1M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $26K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $26K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $30.1M
RBC Allowance for Credit Losses (Loans) RB0177 $99K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 44.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 2,692,048.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 380,000.00%
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 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 26,190.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid >5 Years RL0007 $5
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0008 $150K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 44.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 2,398,393.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $5.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $380K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 4.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 210,127.00%
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 600,199.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 280,650.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $810K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $281K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $116
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $6.1M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $661K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $3.0M
Total Shares SH0013 $26.6M
Total Shares and Deposits SH0018 $26.6M
NCUA data file FS220S (9 items)

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

Elca Federal Credit Union, NCUA data file FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Auto Lending PP0038 $1
Mortgage Lending PP0039 $1
Secured personal loans PP0040 $1
Unsecured personal loans PP0041 $1
Lead generation for new members PP0042 $1
Acquire participation loans PP0044 $1
Person-to-Person payments PP0045 $1
Communication PP0047 $1

Elca 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 Elca Federal Credit Union call report?

The Elca 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 Elca Federal Credit Union file?

Elca 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 Elca 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 Elca Federal Credit Union is 24866.

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

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

Elca Federal Credit Union financials and ratios →

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