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Encentus Federal Credit Union Call Report

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Encentus Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 258 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Encentus Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number20015
Federal Reserve RSSD ID247980

The official copy: search charter number 20015 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Encentus Federal Credit Union call report, Q2 2026

Statement of Financial Condition (28 items)
Encentus Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $595K
1c. Total Cash on Hand 730A $595K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $4.6M
2. Cash on Deposit (total) 730B $4.6M
3. Time Deposits in Banks and Credit Unions AS0007 $6.2M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $11.4M
12b. Perpetual Contributed Capital 769B $20K
13. TOTAL OTHER INVESTMENTS AS0017 $20K
15a. Number of Total Loans and Leases 025A 910
15b. Total Loans and Leases 025B $7.1M
17. ACL on Loans and Leases AS0048 $135K
19. Land and Building 007 $1.9M
20. Other Fixed Assets 008 $151K
21. NCUA Share Insurance Capitalization Deposit 794 $242K
22d. Accrued Interest on Loans 009A $24K
22e. Accrued Interest on Investments 009B $14K
22f. All Other Assets 009C $726K
22g. Total Other Assets AS0036 $764K
23. TOTAL ASSETS 010 $21.4M
Accounts Payable and Other Liabilities 825 -$39K
Accrued Dividends and Interest Payable 820A $135
Member Shares of All Types 013 $17.8M
Total Shares and Deposits 018 $17.8M
Undivided Earnings 940 $3.0M
Other Reserves 658 $679K
Total Net Worth 997 $3.6M
Net Worth Ratio 998 17.05%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $21.4M
Statement of Income and Expense (22 items)
Encentus Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $258K
3. Income from Investments 120 $179K
5. TOTAL INTEREST INCOME 115 $438K
6. Dividends on Shares 380 $42K
8. Interest on Borrowed Money 340 $13
9. TOTAL INTEREST EXPENSE 350 $42K
10. NET INTEREST INCOME IS0010 $396K
12a. Credit Loss Expense - Loans and Leases IS0011 -$36K
12e. Total Credit Loss Expense IS0017 -$36K
13. Fee Income 131 $199K
22. Other Non-Operating Income 440 $92K
23. TOTAL NON-INTEREST INCOME 117 $291K
24. Employee Compensation and Benefits 210 $320K
25. Travel and Conference 230 $1K
26. Office Occupancy 250 $60K
27. Office Operations 260 $161K
28. Educational and Promotional 270 $4K
29. Loan Servicing 280 $20K
30. Professional and Outside Services 290 $130K
33. Miscellaneous Operating Expense 360 $9K
34. TOTAL NON-INTEREST EXPENSE 671 $704K
35. NET INCOME 661A $19K
Statement pages - all other filed accounts (24 items)

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

Encentus 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 $145K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $4K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $12K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $13K
Loans Granted Year-to-Date 031A $143
Amount of Loans Granted Year-to-Date 031B $1.5M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $43K
Number of current members (not number of accounts) 083 4,527
Number of potential members 084 161,500
Net Member Business Loan Balance 400A $45K
Interest Rate of Unsecured Credit Card Loans 521 1,090.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 641.00%
Interest Rate of New Vehicle Loans 523 610.00%
Interest Rate of Used Vehicle Loans 524 682.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $70K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $6K
Total Amount of All Other Shares 630 $33K
Amount of Regular Shares 657 $10.7M
Balance Outstanding of All Interest Only & Payment Option 1st Mortgage Loans. 704C1 $173K
Amount of Share Drafts 902 $4.0M
IRA/KEOGH Accounts - < 1 Year 906A $2.0M
Share Certificates - < 1 Year 908A $924K
Total Amount of Share Certificates 908C $1.0M
Number of Used Vehicle Loans 968 218
NCUA data file FS220A (22 items)

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

Encentus Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $17.7M
Total Shares - 1-3 Years 013B1 $125K
Total Shares and Deposits - < 1 Year 018A $17.7M
Total Shares and Deposits - 1-3 Years 018B1 $125K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 9
Effective date of last audit 063 $22K
Amount of Used Vehicle Loans 370 $3.6M
Amount of New Vehicle Loans 385 $766K
Amount of Unsecured Credit Card Loans 396 $193K
Amount of All Other Unsecured Loans/Lines of Credit 397 $387K
Share Certificates 451 $78
Number of Accounts for Share Drafts 452 1,471
IRA/KEOGH Accounts 453 $109
Number of Accounts for Regular Shares 454 3,741
All other shares 455 $12
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 5,411
Number of credit union employees who are Full-Time (26 hours or more) 564A 9
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $303K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,990.00%
Number of Outstanding Indirect Loans 617A 24
Total Amount of Outstanding Indirect Loans 618A $226K
Total credit lines 881 $2.0M
NCUA data file FS220B (19 items)

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

Encentus Federal Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 6 to less than 12 months delinquent 027B $12K
Number - Total Delinquent Credit Card Loans 045A 4
Total Amount of Delinquent Unsecured Credit Card Loans 045B $12K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $196K
Total Uninsured Shares and Deposits > $250K (F+J) 068A $196K
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $17.6M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $22K
All other shares - < 1 Year 630A $33K
Amount of Regular Shares - < 1 Year 657A $10.7M
Amount of Share Drafts - < 1 Year 902A $4.0M
Total Amount of IRA/KEOGH Accounts 906C $2.0M
Share Certificates - 1-3 Years 908B1 $125K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $106K
Number of New Vehicle Loans 958 39
Total Shares 966 $5K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $32K
Number of Unsecured Credit Card Loans 993 255
Number of All Other Unsecured Loans/Lines of Credit 994 146
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 2
NCUA data file FS220C (5 items)

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

Encentus 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
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $200
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 $102K
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $465K
NCUA data file FS220D (25 items)

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

Encentus 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
No Cost Bill Payer 879C2 $1
Payday Alternative Loans (PAL loans) (FCU Only) 879D9 $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
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 (2 items)

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

Encentus Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Number of Outstanding Int Only & Payment Option 1st Mtg Loans 704C2 3
Total Credit Lines at Corporate Credit Unions 884 $2.0M
NCUA data file FS220H (10 items)

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

Encentus Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Number of Payday Alternative Loans (PAL loans) Granted Year-to-Date (FCU only) 031C 41
Amount of Payday Alternative Loans (PAL loans) Granted Year-to-Date (FCU only) 031D $70K
Total Number of Reportable Delinquent Loans for Payday Alternative Loans (PAL loans) (FCU only) 130A $1
Total Reportable Payday Alternative Loans (PAL loans) (FCU only) Delinquent Loans 130B $1K
YTD Charge Offs of Payday Alternative Loans (PAL loans) (FCU only) 136 $5K
YTD Recoveries of Payday Alternative Loans (PAL loans) (FCU only) 137 $1K
Amount of Payday Alternative Loans (PAL loans) 397A $84K
Interest Rate of Payday Alternative Loans (PAL loans) 522A 2,742.00%
Total Unfunded Commitments for all loan types 816A $1.5M
Number of Payday Alternative Loans (PAL loans) 994A 78
NCUA data file FS220I (11 items)

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

Encentus 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 $3K
Amount of Used Vehicle Loans Delinquent >=360 days 023C2 $13K
Number of Reportable Delinquent Used Vehicle Loans 035E2 3
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $25K
Amount of New Vehicle Loans YTD Charge Offs 550C1 $16K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $25K
Amount of New Vehicle Loans YTD Recoveries 551C1 $200
Amount of Used Vehicle Loans YTD Recoveries 551C2 $150
Commercial Share Accounts 643 $180K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $37K
Number of International Remittances originated Year-to-Date 928 1
NCUA data file FS220L (14 items)

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

Encentus Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $910
Total Amount of Loans & Leases on Loan Schedule 025B1 $7.1M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $200K
Total outstanding balance of commercial loans to members 400A1 $45K
Outstanding balance of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 400J2 $45K
Outstanding balance of all member and non-member commercial loans 400T1 $45K
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 550.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 707.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 503.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 746.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $560K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $1.2M
Total Outstanding Balance of real estate secured member commercial loans 718A3 $45K
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $45K
NCUA data file FS220M (12 items)

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

Encentus 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 $176K
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $753K
Total Unfunded Commitments for Non-Commercial Loans 816T $1.5M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $582K
Total number of member commercial loans 900A1 $1
Number of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 900J2 1
Total number of real estate secured member commercial loans 900K2 $1
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 1
Total Number of Member and Nonmember commercial loans 900T1 $1
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 24
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 12
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 137
NCUA data file FS220N (2 items)

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

Encentus Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Total Liabilities LI0069 $17.8M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $21.4M
NCUA data file FS220P (14 items)

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

Encentus 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 $24K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $4K
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $45K
Payday Alternative Loans DL0009 $1K
All Other Unsecured Loans/Lines of Credit DL0022 $8K
All Other Unsecured Loans/Lines of Credit DL0024 $4K
All Other Unsecured Loans/Lines of Credit DL0027 $4K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $1
Used Vehicle Loans DL0037 $13K
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $134K
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $14K
Amount of Consumer Loans in Non-Accrual Status DL0145 $29K
Number of Indirect Loans - New and Used Vehicle Loans IN0001 24
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $226K
NCUA data file FS220Q (14 items)

investment portfolio detail (69%)

Encentus Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $4.0M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $2.2M
Investment Maturity Distribution - Time Deposits - Total NV0116 $6.2M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $20K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $20K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $4.0M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $2.3M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $6.2M
RBC Total Equity RB0001 $3.6M
RBC Allowance for Credit Losses RB0002 $135K
RBC Total Additions RB0005 $135K
RBC Total Deductions RB0009 $242K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $3.5M
RBC Risk-Based Capital Numerator RB0012 $3.5M
NCUA data file FS220R (34 items)

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

Encentus Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $20K
RBC Schedule Total Consumer Loans RB0060 $5.6M
RBC Schedule Total Commercial Loans RB0068 $45K
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $135K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $135K
RBC Schedule Total Loans RB0079 $6.9M
RBC Total for Risk Weighting Total Loans RB0081 -$135K
RBC Total Loans 0% Weight RB0082 -$135K
RBC Schedule Total Other Assets RB0088 $3.0M
RBC Total for Risk Weighting Other Assets RB0090 $242K
RBC Other Assets 0% Weight RB0091 $242K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $21.4M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $107K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $107K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $21.4M
RBC Allowance for Credit Losses (Loans) RB0177 $135K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 8.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 406,884.00%
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 14.00%
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 617,094.00%
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 $3
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 $173K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $1.2M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 9.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 133,780.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Fixed Rate RL0024 1.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Fixed Rate RL0025 22,557.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 2.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 43,297.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $200K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $37
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $1.4M
Total Shares SH0013 $17.8M
Total Shares and Deposits SH0018 $17.8M

Encentus 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 Encentus Federal Credit Union call report?

The Encentus 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 Encentus Federal Credit Union file?

Encentus 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 Encentus 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 Encentus Federal Credit Union is 20015.

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

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

Encentus Federal Credit Union financials and ratios →

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