Skip to main content

Credit union call report ยท Arvada, CO

Electrical Federal Credit Union Call Report

BankRegReports is independent of Electrical Federal Credit Union and never asks for online banking logins or passwords.

Electrical Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 260 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Electrical Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number8701
Federal Reserve RSSD ID383486

The official copy: search charter number 8701 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Electrical Federal Credit Union call report, Q2 2026

Statement of Financial Condition (27 items)
Electrical Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $395K
1b. Cash Items in Process of Collection AS0005 $57K
1c. Total Cash on Hand 730A $452K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $2.7M
2. Cash on Deposit (total) 730B $2.7M
3. Time Deposits in Banks and Credit Unions AS0007 $22.1M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $25.2M
12b. Perpetual Contributed Capital 769B $145K
13. TOTAL OTHER INVESTMENTS AS0017 $145K
15a. Number of Total Loans and Leases 025A 1,904
15b. Total Loans and Leases 025B $24.7M
17. ACL on Loans and Leases AS0048 $100K
19. Land and Building 007 $2.5M
20. Other Fixed Assets 008 $33K
21. NCUA Share Insurance Capitalization Deposit 794 $428K
22d. Accrued Interest on Loans 009A $74K
22e. Accrued Interest on Investments 009B $38K
22f. All Other Assets 009C $1.2M
22g. Total Other Assets AS0036 $1.4M
23. TOTAL ASSETS 010 $54.3M
Accounts Payable and Other Liabilities 825 $167K
Member Shares of All Types 013 $47.1M
Total Shares and Deposits 018 $47.1M
Undivided Earnings 940 $7.0M
Total Net Worth 997 $7.1M
Net Worth Ratio 998 12.99%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $54.3M
Statement of Income and Expense (22 items)
Electrical Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $711K
3. Income from Investments 120 $470K
5. TOTAL INTEREST INCOME 115 $1.2M
6. Dividends on Shares 380 $269K
9. TOTAL INTEREST EXPENSE 350 $269K
10. NET INTEREST INCOME IS0010 $912K
12a. Credit Loss Expense - Loans and Leases IS0011 $111K
12e. Total Credit Loss Expense IS0017 $111K
13. Fee Income 131 $113K
14. Other Operating Income IS0020 $103K
23. TOTAL NON-INTEREST INCOME 117 $216K
24. Employee Compensation and Benefits 210 $290K
25. Travel and Conference 230 $2K
26. Office Occupancy 250 $87K
27. Office Operations 260 $74K
28. Educational and Promotional 270 $11K
29. Loan Servicing 280 $82K
30. Professional and Outside Services 290 $233K
32. Operating Fees 320 $2K
33. Miscellaneous Operating Expense 360 $37K
34. TOTAL NON-INTEREST EXPENSE 671 $818K
35. NET INCOME 661A $198K
Statement pages - all other filed accounts (22 items)

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

Electrical 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 $171K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $117K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $16K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $15K
Loans Granted Year-to-Date 031A $653
Amount of Loans Granted Year-to-Date 031B $5.2M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $186K
Number of current members (not number of accounts) 083 4,065
Number of potential members 084 10,163
Interest Rate of Unsecured Credit Card Loans 521 943.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,129.00%
Interest Rate of New Vehicle Loans 523 559.00%
Interest Rate of Used Vehicle Loans 524 683.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $122K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $3K
Amount of Regular Shares 657 $19.9M
Amount of Share Drafts 902 $8.5M
IRA/KEOGH Accounts - < 1 Year 906A $2.7M
Share Certificates - < 1 Year 908A $6.8M
Total Amount of Share Certificates 908C $8.3M
Total Amount of Money Market Shares 911 $7.2M
Number of Used Vehicle Loans 968 465
NCUA data file FS220A (22 items)

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

Electrical Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $45.1M
Total Shares - 1-3 Years 013B1 $1.8M
Total Shares - > 3 Years 013B2 $144K
Total Shares and Deposits - < 1 Year 018A $45.1M
Total Shares and Deposits - 1-3 Years 018B1 $1.8M
Total Shares and Deposits - > 3 Years 018B2 $144K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 24
Effective date of last audit 063 $122K
Amount of Used Vehicle Loans 370 $7.4M
Amount of New Vehicle Loans 385 $1.2M
Amount of Unsecured Credit Card Loans 396 $1.0M
Amount of All Other Unsecured Loans/Lines of Credit 397 $699K
Share Certificates 451 $341
Number of Accounts for Share Drafts 452 1,769
IRA/KEOGH Accounts 453 $171
Number of Accounts for Regular Shares 454 4,349
Money Market Shares 458 $145
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 6,775
Number of credit union employees who are Full-Time (26 hours or more) 564A 6
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $647K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,648.00%
Total credit lines 881 $6.0M
NCUA data file FS220B (24 items)

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

Electrical 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 $30K
Number - Total Delinquent Credit Card Loans 045A 9
Total Amount of Delinquent Unsecured Credit Card Loans 045B $31K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $2.3M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $2.3M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $44.8M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $62K
Amount of Regular Shares - < 1 Year 657A $19.9M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $43K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $808
Amount of Share Drafts - < 1 Year 902A $8.5M
IRA/KEOGH Accounts - 1-3 Years 906B1 $474K
IRA/KEOGH Accounts - > 3 Years 906B2 $32K
Total Amount of IRA/KEOGH Accounts 906C $3.2M
Share Certificates - 1-3 Years 908B1 $1.3M
Share Certificates - > 3 Years 908B2 $112K
Money Market Shares - < 1 Year 911A $7.2M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $379K
Number of New Vehicle Loans 958 45
Total Shares 966 $7K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $80K
Number of Unsecured Credit Card Loans 993 600
Number of All Other Unsecured Loans/Lines of Credit 994 584
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 30
NCUA data file FS220C (5 items)

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

Electrical 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 $5
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 $2.9M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $1.1M
Outstanding balance of brokered certificates of deposit and share certificates 788 $11.4M
NCUA data file FS220D (29 items)

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

Electrical Federal 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
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Financial Education 879B2 $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
Brokered Certificates of Deposits 879N $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
Offer Custodial Accounts PP0032 $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 (5 items)

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

Electrical Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $33K
Total Outstanding Amount of Participation Loans Purchased By Type 691L $27K
Total Credit Lines at Corporate Credit Unions 884 $6.0M
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $33K
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $33K
NCUA data file FS220H (3 items)

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

Electrical Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $5.0M
Total number of TDR loans outstanding 1000F $11
Total amount of TDR loans outstanding 1001F $284K
NCUA data file FS220I (11 items)

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

Electrical Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $149K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $2K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $16K
Number of Reportable Delinquent New Vehicle Loans 035E1 1
Number of Reportable Delinquent Used Vehicle Loans 035E2 8
Amount of Reportable Delinquent New Vehicle Loans 041C1 $14K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $57K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $67K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $2K
Commercial Share Accounts 643 $1.0M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $5K
NCUA data file FS220J (2 items)

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

Electrical Federal Credit Union, NCUA data file FS220J, Q2 2026
Line item Account Q2 2026
Other Assets - Other Insurance 789E2 $831K
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $831K
NCUA data file FS220L (8 items)

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

Electrical 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 $24.7M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $4.4M
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 364.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 440.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $226K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $9.8M
NCUA data file FS220M (9 items)

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

Electrical 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 $2.0M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $2.1M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $353K
Total Other Unfunded Commitments (Non-Commercial) 816B5 $69K
Total Unfunded Commitments for Non-Commercial Loans 816T $5.0M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $373K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 55
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 108
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 47
NCUA data file FS220N (2 items)

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

Electrical Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Total Liabilities LI0069 $47.3M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $54.3M
NCUA data file FS220P (17 items)

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

Electrical 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 $11K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $936
Unsecured Credit Card Loans DL0002 $558
All Other Unsecured Loans/Lines of Credit DL0022 $7K
All Other Unsecured Loans/Lines of Credit DL0023 $830
All Other Unsecured Loans/Lines of Credit DL0024 $8K
All Other Unsecured Loans/Lines of Credit DL0027 $9K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $5
New Vehicle Loans DL0030 $14K
Used Vehicle Loans DL0037 $38K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0066 $76K
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 $76K
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 $53K
Amount of Consumer Loans in Non-Accrual Status DL0145 $102K
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Number of Modified Loans DL0148 $1
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Amount of Modified Loans DL0149 $20K
NCUA data file FS220Q (17 items)

investment portfolio detail (69%)

Electrical Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $6.5M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $10.9M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $4.7M
Investment Maturity Distribution - Time Deposits - Total NV0116 $22.1M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - <=1 Year NV0141 $145K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $145K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $6.6M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $10.9M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $4.7M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $22.3M
RBC Total Equity RB0001 $7.1M
RBC Allowance for Credit Losses RB0002 $100K
RBC Total Additions RB0005 $100K
RBC Total Deductions RB0009 $428K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $6.7M
RBC Risk-Based Capital Numerator RB0012 $6.7M
Participation Loans: Participations Purchased - Outstanding Balance - Amount - All Other SL0056 $27K
NCUA data file FS220R (35 items)

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

Electrical Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $145K
RBC Schedule Total Consumer Loans RB0060 $10.6M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $100K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $100K
RBC Schedule Total Loans RB0079 $24.6M
RBC Total for Risk Weighting Total Loans RB0081 -$100K
RBC Total Loans 0% Weight RB0082 -$100K
RBC Schedule Total Other Assets RB0088 $4.3M
RBC Total for Risk Weighting Other Assets RB0090 $428K
RBC Other Assets 0% Weight RB0091 $428K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $54.3M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $328K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $328K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $54.3M
RBC Allowance for Credit Losses (Loans) RB0177 $100K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 41.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 8,007,607.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 387,000.00%
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 12.00%
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 1,478,630.00%
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 $2
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 $267K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $9.8M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $387K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 108.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 4,385,286.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 500,885.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $4.4M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $501K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $163
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $14.1M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $888K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $4.7M
Total Shares SH0013 $47.1M
Total Shares and Deposits SH0018 $47.1M

Electrical 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 Electrical Federal Credit Union call report?

The Electrical 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 Electrical Federal Credit Union file?

Electrical 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 Electrical 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 Electrical Federal Credit Union is 8701.

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

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

Electrical Federal Credit Union financials and ratios →

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