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Credit union call report ยท Lanham, MD

Fedchoice Federal Credit Union Call Report

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Fedchoice Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 470 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Fedchoice Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number150
Federal Reserve RSSD ID75473

The official copy: search charter number 150 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Fedchoice Federal Credit Union call report, Q2 2026

Statement of Financial Condition (37 items)
Fedchoice Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $5.0M
1b. Cash Items in Process of Collection AS0005 $270K
1c. Total Cash on Hand 730A $5.3M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $293K
2b. Cash on Deposit in Federal Reserve Bank AS0003 $25.3M
2c. Cash on Deposit in Other Financial Institutions 730B2 $272K
2. Cash on Deposit (total) 730B $25.8M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $31.1M
8. Available-for-Sale Debt Securities AS0067 $69.6M
9. Held-to-Maturity Debt Securities AS0073 $1.7M
10b. ACL on Available-for-Sale Debt Securities AS0042 -$782K
11. TOTAL INVESTMENT SECURITIES AS0013 $71.3M
12c. All Other Investments AS0016 $4.3M
13. TOTAL OTHER INVESTMENTS AS0017 $4.3M
14. Loans Held for Sale 003 $274K
15a. Number of Total Loans and Leases 025A 15,731
15b. Total Loans and Leases 025B $321.5M
17. ACL on Loans and Leases AS0048 $2.7M
18c. Foreclosed/Repossessed - Vehicles AS0024 $237K
18e. Foreclosed/Repossessed Assets (total) 798A $237K
19. Land and Building 007 $4.0M
20. Other Fixed Assets 008 $360K
21. NCUA Share Insurance Capitalization Deposit 794 $3.7M
22d. Accrued Interest on Loans 009A $1.4M
22e. Accrued Interest on Investments 009B $951K
22f. All Other Assets 009C $32.2M
22g. Total Other Assets AS0036 $34.5M
23. TOTAL ASSETS 010 $468.7M
Accounts Payable and Other Liabilities 825 $5.1M
ACL on Off-Balance-Sheet Exposures LI0003 $14K
Member Shares of All Types 013 $412.8M
Nonmember Deposits 880 $10.5M
Total Shares and Deposits 018 $423.2M
Undivided Earnings 940 $44.1M
Total Net Worth 997 $44.1M
Net Worth Ratio 998 9.42%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $468.7M
Statement of Income and Expense (27 items)
Fedchoice Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $9.5M
3. Income from Investments 120 $2.0M
5. TOTAL INTEREST INCOME 115 $11.5M
6. Dividends on Shares 380 $2.2M
8. Interest on Borrowed Money 340 $377K
9. TOTAL INTEREST EXPENSE 350 $2.6M
10. NET INTEREST INCOME IS0010 $8.8M
12a. Credit Loss Expense - Loans and Leases IS0011 $575K
12b. Credit Loss Expense - AFS Debt Securities IS0012 $2K
12d. Credit Loss Expense - Off-Balance-Sheet IS0016 -$950
12e. Total Credit Loss Expense IS0017 $576K
13. Fee Income 131 $853K
14. Other Operating Income IS0020 $869K
16. Gain (Loss) on Other Investments IS0047 $169K
23. TOTAL NON-INTEREST INCOME 117 $1.9M
24. Employee Compensation and Benefits 210 $4.8M
25. Travel and Conference 230 $88K
26. Office Occupancy 250 $280K
27. Office Operations 260 $2.0M
28. Educational and Promotional 270 $371K
29. Loan Servicing 280 $821K
30. Professional and Outside Services 290 $411K
31. Member Insurance 310 $19K
32. Operating Fees 320 $37K
33. Miscellaneous Operating Expense 360 $217K
34. TOTAL NON-INTEREST EXPENSE 671 $9.0M
35. NET INCOME 661A $1.2M
Statement pages - all other filed accounts (25 items)

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

Fedchoice 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 $2.0M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $472K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $409K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $224K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $227K
Loans Granted Year-to-Date 031A $583
Amount of Loans Granted Year-to-Date 031B $15.1M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $2.1M
Number of current members (not number of accounts) 083 25,827
Number of potential members 084 1,000,000
Net Member Business Loan Balance 400A $9.2M
Non-Member Deposits 457 $44
Interest Rate of Unsecured Credit Card Loans 521 1,211.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,126.00%
Interest Rate of New Vehicle Loans 523 414.00%
Interest Rate of Used Vehicle Loans 524 565.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $2.6M
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $372K
Amount of Regular Shares 657 $142.4M
Amount of Share Drafts 902 $97.7M
IRA/KEOGH Accounts - < 1 Year 906A $9.3M
Share Certificates - < 1 Year 908A $38.3M
Total Amount of Share Certificates 908C $65.8M
Total Amount of Money Market Shares 911 $91.7M
Number of Used Vehicle Loans 968 1,427
NCUA data file FS220A (25 items)

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

Fedchoice Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $379.5M
Total Shares - 1-3 Years 013B1 $30.0M
Total Shares - > 3 Years 013B2 $3.3M
Total Shares and Deposits - < 1 Year 018A $385.3M
Total Shares and Deposits - 1-3 Years 018B1 $34.6M
Total Shares and Deposits - > 3 Years 018B2 $3.3M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 144
Amount of Delinquent Indirect Loans 041E $270K
Effective date of last audit 063 $62K
Amount of Used Vehicle Loans 370 $24.1M
Amount of New Vehicle Loans 385 $24.6M
Amount of Unsecured Credit Card Loans 396 $16.6M
Amount of All Other Unsecured Loans/Lines of Credit 397 $12.4M
Share Certificates 451 $2K
Number of Accounts for Share Drafts 452 12,381
IRA/KEOGH Accounts 453 $562
Number of Accounts for Regular Shares 454 32,282
Money Market Shares 458 $2K
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 48,983
Number of credit union employees who are Full-Time (26 hours or more) 564A 84
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $6.8M
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,728.00%
Number of Outstanding Indirect Loans 617A 150
Total Amount of Outstanding Indirect Loans 618A $3.3M
Total credit lines 881 $151.0M
NCUA data file FS220B (32 items)

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

Fedchoice 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 $132K
Amount of Delinquent Unsecured Credit Card Loans as of - 6 to less than 12 months delinquent 027B $10K
Number - Total Delinquent Credit Card Loans 045A 36
Total Amount of Delinquent Unsecured Credit Card Loans 045B $176K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $48.7M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $48.7M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $374.5M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $32K
Amount of Regular Shares - < 1 Year 657A $142.4M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $299K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $71K
Total Amount of All First Mortgage Loans which have been sold in the secondary market year-to-date 736 $2.2M
Fair value of Held to Maturity Securities 801 $1.7M
Does you credit union maintain share/deposit insurance coverage other than the NCUSIF? 875 $1
Dollar amount of shares and/or deposits insured by the company named above 877 $30.9M
Non-Member Deposits - < 1 Year 880A $5.9M
Non-Member Deposits - 1-3 Years 880B1 $4.6M
Is your credit union a member of a Federal Home Loan Bank? 896 $1
Amount of Share Drafts - < 1 Year 902A $97.7M
IRA/KEOGH Accounts - 1-3 Years 906B1 $4.6M
IRA/KEOGH Accounts - > 3 Years 906B2 $1.2M
Total Amount of IRA/KEOGH Accounts 906C $15.1M
Share Certificates - 1-3 Years 908B1 $25.4M
Share Certificates - > 3 Years 908B2 $2.1M
Money Market Shares - < 1 Year 911A $91.7M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $76K
Number of New Vehicle Loans 958 959
Total Shares 966 $49K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $900K
Number of Unsecured Credit Card Loans 993 6,147
Number of All Other Unsecured Loans/Lines of Credit 994 4,614
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 6
NCUA data file FS220C (11 items)

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

Fedchoice 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 Indirect Loans Charged Off Year-to-Date 550E $61K
Total Amount of All Participation Loans Charged Off Year-to-Date 550F $1.6M
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $3K
Total Amount of All Year-to-Date Recoveries on Charged-Off Participation Loans 551F $33K
Number of credit union branches (include the main office if member services are conducted at that location) 566 5
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $30.6M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $7.1M
Amount of Participation Loans Purchased Year-to-Date 690 $6.9M
Amount of Participation Loans Sold Year-to-Date 691 $18.8M
Other Contingent Liabilities 818A $1.3M
NCUA data file FS220D (32 items)

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

Fedchoice Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union plan to add any new branches or expand existing facilities in the next 12 months? 566B $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
First Time Homebuyer Program 879B4 $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
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
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
Remote Deposit Capture 887U $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 (10 items)

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

Fedchoice Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $77K
Total Outstanding Amount of Participation Loans Purchased By Type 691L $81.9M
Outstanding Amount of Real Estate Participation Loans Purchased 691L2 $18.7M
Total Outstanding Amount of Participation Loans Sold By Type 691N $2.0M
Outstanding Amount of Real Estate Participation Loans Sold 691N2 $2.0M
Total Value of Investments in CUSOs 851 $870K
Total Aggregate Cash Outlay in CUSOs 853 $61K
Assets Pledged to Secure Borrowings 878 $62.0M
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $77K
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $77K
NCUA data file FS220H (23 items)

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

Fedchoice Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Amount of Non-Federally Guaranteed Student Loans - 1 to <2 months 020T $20K
Amount of Non-Federally Guaranteed Student Loans - 2 to <6 months 021T $7K
Number of Payday Alternative Loans (PAL loans) Granted Year-to-Date (FCU only) 031C 158
Amount of Payday Alternative Loans (PAL loans) Granted Year-to-Date (FCU only) 031D $268K
Total Amount of Reportable Delinquency Non-Federally Guaranteed Student Loans 041T $9K
Total number of reportable Non-Federally Guaranteed Student Loans delinquent 053E $4
Payday Alternative Loans (PAL loans) (FCU only) 30-59 days delinquent 089B $10K
Payday Alternative Loans (PAL loans) (FCU only) 60-179 days delinquent 127B $772
Total Number of Reportable Delinquent Loans for Payday Alternative Loans (PAL loans) (FCU only) 130A $2
Total Reportable Payday Alternative Loans (PAL loans) (FCU only) Delinquent Loans 130B $772
Amount of Payday Alternative Loans (PAL loans) 397A $238K
Interest Rate of Payday Alternative Loans (PAL loans) 522A 2,041.00%
Non-Federally Guaranteed Student Loans YTD Charge Offs 550T $17K
Non-Federally Guaranteed Student Loans YTD Recoveries 551T $825
Interest Rate on Non-Federally Guaranteed Student Loans 595A 605.00%
Outstanding Amount of Non-Federally Guaranteed Student Loans Participations Purchased 691L7 $2.3M
Outstanding Amount of Non-Federally Guaranteed Student Loans Participations Sold 691N7 $9K
Amount of Non-Federally Guaranteed Student Loans 698A $2.7M
Total Unfunded Commitments for all loan types 816A $115.4M
Number of Non-Federally Guaranteed Student Loans 963A 1,110
Number of Payday Alternative Loans (PAL loans) 994A 159
Total number of TDR loans outstanding 1000F $12
Total amount of TDR loans outstanding 1001F $561K
NCUA data file FS220I (18 items)

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

Fedchoice 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 $275K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $613K
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $516
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $158K
Amount of New Vehicle Loans Delinquent 180 to 359 days 022C1 $27K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $88K
Amount of Used Vehicle Loans Delinquent >=360 days 023C2 $40K
Number of Reportable Delinquent New Vehicle Loans 035E1 4
Number of Reportable Delinquent Used Vehicle Loans 035E2 27
Amount of Reportable Delinquent New Vehicle Loans 041C1 $104K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $510K
Amount of New Vehicle Loans YTD Charge Offs 550C1 $101K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $170K
Amount of New Vehicle Loans YTD Recoveries 551C1 $44K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $19K
Commercial Share Accounts 643 $5K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $98K
Number of International Remittances originated Year-to-Date 928 12
NCUA data file FS220J (3 items)

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

Fedchoice Federal Credit Union, NCUA data file FS220J, Q2 2026
Line item Account Q2 2026
Other Assets - Split Dollar Life Insurance Arrangements - Collateral Assignment 789E $8.0M
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $8.0M
Amounts reported in Asset section of the Statement of Financial Condition to fund Charitable Donation Accounts 789H $2.0M
NCUA data file FS220L (41 items)

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

Fedchoice Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $16K
Total Amount of Loans & Leases on Loan Schedule 025B1 $321.5M
Total number of purchased commercial loans or participation interests to nonmembers purchased YTD 090B1 $1
Number of purchased or participation interests in commercial loans secured by non-owner occupied non-farm, non-residential property to nonmembers purchased YTD 090J3 1
Total Number of purchased or participation interests in commercial loans secured by real estate to nonmembers YTD 090K3 $1
Number of purchased or participation interests in commercial loans secured by construction and development property to nonmembers 143A4 1
Outstanding balance of purchased or participation interests in commercial loans secured by construction and development property to nonmembers 143B4 $2.9M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $47.8M
Amount of All Other Real Estate Loans/Lines of Credit 386B $1.4M
Total outstanding balance of commercial loans to members 400A1 $9.2M
Total outstanding balance of nonmember commercial loans 400B1 $49.9M
Outstanding balance of purchased or participation interests in commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400H3 $2.6M
Outstanding balance of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 400J2 $3.8M
Outstanding balance of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400J3 $31.1M
Outstanding balance of purchased or participation interests in Commercial and Industrial loans to nonmembers 400L3 $2.4M
Outstanding balance of member commercial loans Secured Multifamily Property 400M $5.4M
Outstanding balance of purchased or participation interests in commercial loans to nonmembers Secured by Multifamily Property 400M1 $10.8M
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $2.4M
Outstanding balance of all member and non-member commercial loans 400T1 $59.1M
Total Dollar amount of nonmember commercial loans purchased YTD 475B1 $1.0M
Dollar Amount of Purchased or participation interests in commercial loans to nonmembers Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property purchased YTD 475J3 $1.0M
Total Dollar amount of real estate secured commercial loans to nonmembers purchased YTD 475K3 $1.0M
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 539.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 571.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 764.00%
Interest Rate of All Other Real Estate Loans/Lines of Credit 562B 614.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 444.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 476.00%
Number of Commercial Small Business Administration Loans Outstanding 691B1 4
Outstanding Balance of Commercial Small Business Administration Loans 691C1 $2.0M
Guaranteed Portion of Commercial Small Business Administration Loans 691C2 $2.0M
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Purchased 691L8 $44.5M
Outstanding Amount of Commercial Construction & Development Loans Purchased 691L9 $2.9M
Number of Commercial Other Government Guaranteed Loans Outstanding 691P 2
Outstanding Balance of Commercial Other Government Guaranteed Loans 691P1 $436K
Guaranteed Portion of Commercial Other Government Guaranteed Loans 691P2 $436K
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $753K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $131.8M
Total Outstanding Balance of real estate secured member commercial loans 718A3 $9.2M
Total Outstanding Balance of real estate secured nonmember commercial loans 718A4 $47.5M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $56.7M
NCUA data file FS220M (23 items)

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

Fedchoice 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 $22.2M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $64.6M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $13.7M
Total Other Unfunded Commitments (Non-Commercial) 816B5 $2.8M
Total Unfunded Commitments for Non-Commercial Loans 816T $115.4M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $12.0M
Total number of member commercial loans 900A1 $11
Total number of nonmember commercial loans 900B1 $41
Number of purchased or participation interests in commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900H3 1
Number of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 900J2 5
Number of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900J3 25
Total number of real estate secured member commercial loans 900K2 $11
Total number of real estate secured nonmember commercial loans 900K3 $35
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 46
Number of purchased or Participation Interest in Commercial and Industrial loans to nonmembers 900L3 6
Number of member commercial loans Secured by Multifamily Property 900M 6
Number of purchased or participation interests in commercial loans Secured by Multifamily Property to nonmembers 900M1 8
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 6
Total Number of Member and Nonmember commercial loans 900T1 $52
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 417
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 811
Number of All Other Real Estate Loans/Lines of Credit 960B 4
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 31
NCUA data file FS220N (11 items)

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

Fedchoice Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Available-for-sale Debt Securities <=1 Year AS0062 $23.0M
Available-for-sale Debt Securities >1 and <=3 Years AS0063 $38.7M
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $4.3M
Available-for-sale Debt Securities >5 and <= 10 Years AS0065 $3.6M
Held-to-Maturity Debt Securities <=1 Year AS0068 $1.6M
Held-to-Maturity Debt Securities >1 and <=3 Years AS0069 $39K
Held-to-Maturity Debt Securities >3 and <=5 Years AS0070 $60K
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$3.8M
Total Liabilities LI0069 $428.3M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $491K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $468.7M
NCUA data file FS220P (36 items)

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

Fedchoice 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 $420K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $164K
Loan Loss Information - YTD Charge Offs - All Other (Non-Commercial) Real Estate Loans/Lines of Credit CH0021 $12K
Loan Loss Information - YTD Recoveries - All Other (Non-Commercial) Real Estate Loans/Lines of Credit CH0022 $55K
Loan Loss Information - YTD Charge Offs - Commercial Loans/Lines of Credit Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property CH0031 $1.5M
Loan Loss Information - YTD Recoveries - Commercial Loans/Lines of Credit - Commercial and Industrial Loans CH0036 $18K
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $37.5M
Unsecured Credit Card Loans DL0002 $35K
Non-Federally Guaranteed Student Loans DL0016 $2K
All Other Unsecured Loans/Lines of Credit DL0022 $187K
All Other Unsecured Loans/Lines of Credit DL0023 $76K
All Other Unsecured Loans/Lines of Credit DL0024 $130K
All Other Unsecured Loans/Lines of Credit DL0025 $86K
All Other Unsecured Loans/Lines of Credit DL0027 $293K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $55
New Vehicle Loans DL0030 $76K
Used Vehicle Loans DL0037 $224K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $420K
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0060 $95K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0062 $515K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0063 $2
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $627K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0065 $168K
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 - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0067 $103K
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0068 $184K
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 $500K
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 $14
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $1.0M
Amount of Consumer Loans in Non-Accrual Status DL0145 $1.1M
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 $46K
Number of Indirect Loans - New and Used Vehicle Loans IN0001 130
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $3.2M
Number of Indirect Loans - All Other Loans IN0007 20
Amount of Indirect Loans - All Other Loans IN0008 $108K
NCUA data file FS220Q (55 items)

investment portfolio detail (69%)

Fedchoice Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Line of Credit Limit - Federal Home Loan Bank LQ0040 $151.0M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Federal Home Loan Bank LQ0043 $62.0M
Available-for-sale Amortized Cost - US Government Obligations NV0003 $10.0M
Available-for-sale Fair Value - US Government Obligations NV0004 $9.3M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0015 $2.9M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0016 $2.8M
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0017 $1.7M
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0018 $1.7M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0019 $45.5M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0020 $43.7M
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0021 $1.7M
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0022 $1.7M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0023 $48.4M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0024 $46.5M
Held-to-maturity Amortized Cost - Non-Federal Agency Asset-Backed Securities - Senior Tranches - Privately Issued Residential Mortgage Related Securities NV0037 $39K
Held-to-maturity Fair Value - Non-Federal Agency Asset-Backed Securities - Senior Tranches - Privately Issued Residential Mortgage Related Securities NV0038 $39K
Available-for-sale Amortized Cost - Non-Federal Agency Asset-Backed Securities - Senior Tranches - Privately Issued Residential Mortgage Related Securities NV0039 $5.4M
Available-for-sale Fair Value - Non-Federal Agency Asset-Backed Securities - Senior Tranches - Privately Issued Residential Mortgage Related Securities NV0040 $4.6M
Available-for-sale Amortized Cost - Non-Federal Agency Asset-Backed Securities - Senior Tranches - Other Asset-Backed Securities NV0047 $1.0M
Available-for-sale Fair Value - Non-Federal Agency Asset-Backed Securities - Senior Tranches - Other Asset-Backed Securities NV0048 $1.0M
Held-to-maturity Amortized Cost - Non-Federal Agency Asset-Backed Securities - Senior Tranches - Total NV0049 $39K
Held-to-maturity Fair Value - Non-Federal Agency Asset-Backed Securities - Senior Tranches - Total NV0050 $39K
Available-for-sale Amortized Cost - Non-Federal Agency Asset-Backed Securities - Senior Tranches - Total NV0051 $6.5M
Available-for-sale Fair Value - Non-Federal Agency Asset-Backed Securities - Senior Tranches - Total NV0052 $5.6M
Available-for-sale Amortized Cost - Securities Issued by States and Political Subdivisions in the U.S. NV0071 $8.0M
Available-for-sale Fair Value - Securities Issued by States and Political Subdivisions in the U.S. NV0072 $7.6M
Available-for-sale Amortized Cost - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0075 $496K
Available-for-sale Fair Value - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0076 $458K
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $1.7M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $73.4M
Total Fair Value Available-for-Sale Debt Securities NV0084 $69.6M
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $69.6M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $1.7M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $4.3M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $4.3M
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $24.6M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $43.0M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $4.4M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $3.6M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $75.6M
Investment - Memoranda - Realized Gains (Losses) - Realized Gains (Losses) on all other investments NV0161 $169K
Total Gain (Loss) on Investments NV0162 $169K
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Collateral Assignment - Cash Surrender Value NV0170 $8.0M
RBC Total Equity RB0001 $44.1M
RBC Allowance for Credit Losses RB0002 $2.7M
RBC Total Additions RB0005 $2.7M
RBC Total Deductions RB0009 $3.7M
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $43.2M
RBC Risk-Based Capital Numerator RB0012 $43.2M
Participation Loans: Participations Purchased - Outstanding Balance - Amount - Vehicle - Non-commercial SL0036 $13.5M
Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - Vehicle - Non-commercial SL0037 $5.6M
Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - Non-Federally Guaranteed Student Loans SL0041 $220K
Participation Loans: Participations Sold - Sold Year-To-Date - Amount - Non-Federally Guaranteed Student Loans SL0043 $83K
Participation Loans: Participations Sold - Sold Year-To-Date - Amount - 1- to 4-Family Residential Property SL0047 $18.7M
Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - Commercial Loans excluding Construction & Development SL0049 $1.0M
NCUA data file FS220R (55 items)

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

Fedchoice Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $75.6M
RBC Schedule Total Consumer Loans RB0060 $82.8M
RBC Schedule Total Commercial Loans RB0068 $59.1M
RBC Adjustments to Loans Held for Sale RB0075 -$274K
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $2.7M
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $2.7M
RBC Schedule Total Loans RB0079 $319.1M
RBC Adjustments to Total Loans RB0080 -$274K
RBC Total for Risk Weighting Total Loans RB0081 -$2.7M
RBC Total Loans 0% Weight RB0082 -$2.7M
RBC Schedule Total Other Assets RB0088 $42.9M
RBC Total for Risk Weighting Other Assets RB0090 $3.7M
RBC Other Assets 0% Weight RB0091 $3.7M
RBC Total from Schedule On-Balance Sheet Assets RB0099 $468.7M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $985K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $985K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $468.7M
RBC Allowance for Credit Losses (Loans) RB0177 $2.7M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 205.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 50,500,877.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 1,781,500.00%
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 4.00%
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 384,718.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid >5 Years RL0007 $65
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0008 $14.2M
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 $12
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 $4.2M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 131.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 62,526,742.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Adjustable Rate RL0015 532,500.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $131.8M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $2.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 353.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 22,752,768.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 1,687,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 458.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 25,036,730.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 3,648,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $47.8M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $5.3M
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Number of Loans Outstanding RL0032 4.00%
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Amount of Loans Outstanding RL0033 1,370,358.00%
All Other (Non-commercial) Real Estate - Amount of Loans Outstanding - Total RL0044 $1.4M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $1K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $181.0M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $7.6M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $104.7M
Total Shares SH0013 $412.8M
Total Shares and Deposits SH0018 $423.2M
Total Non-Member Deposits SH0880 $10.5M
Number of Outstanding Loans Purchased from Other Sources SL0020 20
Amount of Outstanding Loans Purchased from Other Sources SL0021 $108K
Number of Loans Sold, Year-to-date SL0022 5
Amount of Loans Sold, Year-to-date SL0023 $2.2M
Number of First Mortgage loans sold on the secondary market, Year-to-date SL0024 5
NCUA data file FS220S (6 items)

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

Fedchoice 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
Acquire participation loans PP0044 $1
Investment security exchange services PP0046 $1
Located in Metropolitan Statistical Area (MSA) PR0001 $1
home purchase loan or refinanced a home purchase loan PR0002 $1
Originated closed-end mortgages in each of the two preceding calendar years or originated open-end lines of credit in each of the two preceding calendar years in excess of the HMDA Loan-Volume Threshold? PR0003 $1

Fedchoice 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 Fedchoice Federal Credit Union call report?

The Fedchoice 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 Fedchoice Federal Credit Union file?

Fedchoice 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 Fedchoice 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 Fedchoice Federal Credit Union is 150.

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

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

Fedchoice Federal Credit Union financials and ratios →

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