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Credit union call report ยท Charleston, WV

Element Federal Credit Union Call Report

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Element Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 268 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Element Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number23162
Federal Reserve RSSD ID783880

The official copy: search charter number 23162 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Element Federal Credit Union call report, Q2 2026

Statement of Financial Condition (32 items)
Element Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $1.3M
1c. Total Cash on Hand 730A $1.3M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $7.8M
2. Cash on Deposit (total) 730B $7.8M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $9.1M
9. Held-to-Maturity Debt Securities AS0073 $4.0M
11. TOTAL INVESTMENT SECURITIES AS0013 $4.0M
12b. Perpetual Contributed Capital 769B $1.4M
13. TOTAL OTHER INVESTMENTS AS0017 $1.4M
15a. Number of Total Loans and Leases 025A 3,123
15b. Total Loans and Leases 025B $28.6M
17. ACL on Loans and Leases AS0048 $371K
18b. Foreclosed/Repossessed - Consumer RE AS0023 $47K
18c. Foreclosed/Repossessed - Vehicles AS0024 $77K
18e. Foreclosed/Repossessed Assets (total) 798A $124K
19. Land and Building 007 $761K
20. Other Fixed Assets 008 $1.7M
21. NCUA Share Insurance Capitalization Deposit 794 $342K
22d. Accrued Interest on Loans 009A $77K
22e. Accrued Interest on Investments 009B $10K
22f. All Other Assets 009C $1.5M
22g. Total Other Assets AS0036 $1.6M
23. TOTAL ASSETS 010 $47.3M
Accounts Payable and Other Liabilities 825 $364K
Member Shares of All Types 013 $35.2M
Nonmember Deposits 880 $1.3M
Total Shares and Deposits 018 $36.6M
Undivided Earnings 940 $10.1M
Net Income (equity) 602 $213K
Total Net Worth 997 $10.3M
Net Worth Ratio 998 21.80%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $47.3M
Statement of Income and Expense (24 items)
Element Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $1.3M
3. Income from Investments 120 $343K
5. TOTAL INTEREST INCOME 115 $1.6M
6. Dividends on Shares 380 $295K
8. Interest on Borrowed Money 340 $4K
9. TOTAL INTEREST EXPENSE 350 $300K
10. NET INTEREST INCOME IS0010 $1.3M
12a. Credit Loss Expense - Loans and Leases IS0011 $25K
12e. Total Credit Loss Expense IS0017 $25K
13. Fee Income 131 $428K
16. Gain (Loss) on Other Investments IS0047 $58K
18. Gain (Loss) on Disposition of Fixed Assets 430 -$62K
23. TOTAL NON-INTEREST INCOME 117 $425K
24. Employee Compensation and Benefits 210 $698K
25. Travel and Conference 230 $24K
26. Office Occupancy 250 $65K
27. Office Operations 260 $389K
28. Educational and Promotional 270 $47K
29. Loan Servicing 280 $45K
30. Professional and Outside Services 290 $218K
32. Operating Fees 320 $11K
33. Miscellaneous Operating Expense 360 $372
34. TOTAL NON-INTEREST EXPENSE 671 $1.5M
35. NET INCOME 661A $213K
Statement pages - all other filed accounts (23 items)

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

Element 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 $198K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $250K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $21K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $16K
Loans Granted Year-to-Date 031A $277
Amount of Loans Granted Year-to-Date 031B $4.8M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $394K
Number of current members (not number of accounts) 083 4,375
Number of potential members 084 65,000
Non-Member Deposits 457 $4
Interest Rate of Unsecured Credit Card Loans 521 1,229.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,414.00%
Interest Rate of New Vehicle Loans 523 628.00%
Interest Rate of Used Vehicle Loans 524 807.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $164K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $104K
Amount of Regular Shares 657 $14.2M
Amount of Share Drafts 902 $7.3M
IRA/KEOGH Accounts - < 1 Year 906A $1.2M
Share Certificates - < 1 Year 908A $7.5M
Total Amount of Share Certificates 908C $8.8M
Total Amount of Money Market Shares 911 $3.6M
Number of Used Vehicle Loans 968 762
NCUA data file FS220A (24 items)

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

Element Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $33.8M
Total Shares - 1-3 Years 013B1 $1.4M
Total Shares - > 3 Years 013B2 $79K
Total Shares and Deposits - < 1 Year 018A $35.1M
Total Shares and Deposits - 1-3 Years 018B1 $1.4M
Total Shares and Deposits - > 3 Years 018B2 $79K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 28
Effective date of last audit 063 $122K
Amount of Used Vehicle Loans 370 $12.1M
Amount of New Vehicle Loans 385 $4.3M
Amount of Unsecured Credit Card Loans 396 $947K
Amount of All Other Unsecured Loans/Lines of Credit 397 $1.9M
Share Certificates 451 $322
Number of Accounts for Share Drafts 452 2,794
IRA/KEOGH Accounts 453 $74
Number of Accounts for Regular Shares 454 6,398
Money Market Shares 458 $89
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 9,681
Number of credit union employees who are Full-Time (26 hours or more) 564A 12
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 7
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $1.6M
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,690.00%
Amount of real estate loans sold but serviced by the credit union 779A $234K
Total credit lines 881 $3.2M
NCUA data file FS220B (24 items)

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

Element 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 $2K
Number - Total Delinquent Credit Card Loans 045A 2
Total Amount of Delinquent Unsecured Credit Card Loans 045B $3K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $1.5M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $1.5M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $35.1M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $32K
Amount of Regular Shares - < 1 Year 657A $14.2M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $37K
Fair value of Held to Maturity Securities 801 $4.0M
Non-Member Deposits - < 1 Year 880A $1.3M
Amount of Share Drafts - < 1 Year 902A $7.3M
IRA/KEOGH Accounts - 1-3 Years 906B1 $69K
IRA/KEOGH Accounts - > 3 Years 906B2 $45K
Total Amount of IRA/KEOGH Accounts 906C $1.3M
Share Certificates - 1-3 Years 908B1 $1.3M
Share Certificates - > 3 Years 908B2 $34K
Money Market Shares - < 1 Year 911A $3.6M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $229K
Number of New Vehicle Loans 958 169
Total Shares 966 $9K
Number of Unsecured Credit Card Loans 993 695
Number of All Other Unsecured Loans/Lines of Credit 994 993
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 9
NCUA data file FS220C (4 items)

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

Element 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 4
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $4.0M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $216K
NCUA data file FS220D (28 items)

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

Element 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
Financial Literacy Workshops 879B3 $1
Online Financial Literacy 879B7 $1
No Cost Bill Payer 879C2 $1
Credit Builder 879D1 $1
Mortgage Processing 879G $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
External or Third-Party Account Aggregation 887M $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
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
CU offer Shared service network PP0058 $1
NCUA data file FS220G (3 items)

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

Element Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Value of Investments in CUSOs 851 $195K
Total Aggregate Cash Outlay in CUSOs 853 $195K
Total Credit Lines at Corporate Credit Unions 884 $3.2M
NCUA data file FS220H (3 items)

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

Element Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $4.1M
Total number of TDR loans outstanding 1000F $5
Total amount of TDR loans outstanding 1001F $161K
NCUA data file FS220I (12 items)

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

Element 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 $25K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $92K
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $77K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $81K
Number of Reportable Delinquent New Vehicle Loans 035E1 3
Number of Reportable Delinquent Used Vehicle Loans 035E2 9
Amount of Reportable Delinquent New Vehicle Loans 041C1 $99K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $115K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $30K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $75K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $13K
Amount of Grants Awarded Year-to-Date 926 $25K
NCUA data file FS220L (6 items)

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

Element Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $3K
Total Amount of Loans & Leases on Loan Schedule 025B1 $28.6M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $6.2M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 851.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 210.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $3.1M
NCUA data file FS220M (8 items)

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

Element 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 $1.2M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $263K
Total Other Unfunded Commitments (Non-Commercial) 816B5 $99K
Total Unfunded Commitments for Non-Commercial Loans 816T $4.1M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $544K
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 236
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 268
NCUA data file FS220N (4 items)

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

Element Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Held-to-Maturity Debt Securities <=1 Year AS0068 $4.0M
Total Liabilities LI0069 $36.9M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $10K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $47.3M
NCUA data file FS220P (24 items)

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

Element 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 $84K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $29K
Loan Loss Information - YTD Charge Offs - All Other Secured Non-Real Estate Loans/Lines of Credit CH0015 $14K
Unsecured Credit Card Loans DL0002 $2K
All Other Unsecured Loans/Lines of Credit DL0022 $6K
All Other Unsecured Loans/Lines of Credit DL0023 $6K
All Other Unsecured Loans/Lines of Credit DL0024 $1K
All Other Unsecured Loans/Lines of Credit DL0027 $7K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $4
New Vehicle Loans DL0030 $23K
Used Vehicle Loans DL0037 $34K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $3K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $3K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $45K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0053 $21K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $70K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $5
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $56K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0065 $55K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0066 $44K
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 $99K
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 $5
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $123K
Amount of Consumer Loans in Non-Accrual Status DL0145 $272K
NCUA data file FS220Q (17 items)

investment portfolio detail (69%)

Element Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Held-to-maturity Amortized Cost - US Government Obligations NV0001 $4.0M
Held-to-maturity Fair Value - US Government Obligations NV0002 $4.0M
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $4.0M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $4.0M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $1.4M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $1.4M
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $4.0M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $1.4M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $5.4M
Investment - Memoranda - Realized Gains (Losses) - Realized Gains (Losses) on Held to Maturity Securities NV0159 $58K
Total Gain (Loss) on Investments NV0162 $58K
RBC Total Equity RB0001 $10.3M
RBC Allowance for Credit Losses RB0002 $371K
RBC Total Additions RB0005 $371K
RBC Total Deductions RB0009 $342K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $10.3M
RBC Risk-Based Capital Numerator RB0012 $10.3M
NCUA data file FS220R (28 items)

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

Element Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $5.4M
RBC Schedule Total Consumer Loans RB0060 $22.4M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $371K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $371K
RBC Schedule Total Loans RB0079 $28.2M
RBC Total for Risk Weighting Total Loans RB0081 -$371K
RBC Total Loans 0% Weight RB0082 -$371K
RBC Schedule Total Other Assets RB0088 $4.6M
RBC Total for Risk Weighting Other Assets RB0090 $342K
RBC Other Assets 0% Weight RB0091 $342K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $47.3M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 -$29K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 -$29K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $47.3M
RBC Allowance for Credit Losses (Loans) RB0177 $371K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Fixed Rate RL0024 236.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Fixed Rate RL0025 6,173,504.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Fixed Rate RL0026 840,868.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $6.2M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $841K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $236
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $6.2M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $841K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $528
Total Shares SH0013 $35.2M
Total Shares and Deposits SH0018 $36.6M
Total Non-Member Deposits SH0880 $1.3M
Number of Outstanding Real Estate Loans Sold with Servicing Retained SL0030 3
NCUA data file FS220S (4 items)

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

Element 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
Person-to-Person payments PP0045 $1
Communication PP0047 $1
Located in Metropolitan Statistical Area (MSA) PR0001 $1

Element 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 Element Federal Credit Union call report?

The Element 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 Element Federal Credit Union file?

Element 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 Element 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 Element Federal Credit Union is 23162.

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

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

Element Federal Credit Union financials and ratios →

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