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Credit union call report ยท Indianapolis, IN

Financial Center First Credit Union Call Report

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Financial Center First Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 482 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Financial Center First Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number68658
Federal Reserve RSSD ID321282

The official copy: search charter number 68658 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Financial Center First Credit Union call report, Q2 2026

Statement of Financial Condition (40 items)
Financial Center First Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $3.2M
1b. Cash Items in Process of Collection AS0005 $1.0M
1c. Total Cash on Hand 730A $4.3M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $2.8M
2b. Cash on Deposit in Federal Reserve Bank AS0003 $8.6M
2c. Cash on Deposit in Other Financial Institutions 730B2 $209K
2. Cash on Deposit (total) 730B $11.6M
3. Time Deposits in Banks and Credit Unions AS0007 $1.2M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $17.1M
8. Available-for-Sale Debt Securities AS0067 $203.2M
11. TOTAL INVESTMENT SECURITIES AS0013 $203.2M
12b. Perpetual Contributed Capital 769B $746K
12c. All Other Investments AS0016 $2.9M
13. TOTAL OTHER INVESTMENTS AS0017 $3.7M
15a. Number of Total Loans and Leases 025A 25,245
15b. Total Loans and Leases 025B $675.0M
17. ACL on Loans and Leases AS0048 $7.8M
18b. Foreclosed/Repossessed - Consumer RE AS0023 $226K
18c. Foreclosed/Repossessed - Vehicles AS0024 $31K
18e. Foreclosed/Repossessed Assets (total) 798A $257K
19. Land and Building 007 $8.1M
20. Other Fixed Assets 008 $3.7M
21. NCUA Share Insurance Capitalization Deposit 794 $7.1M
22a. Goodwill 009D2 $786K
22c. Other Intangible Assets AS0032 $927K
22d. Accrued Interest on Loans 009A $2.3M
22e. Accrued Interest on Investments 009B $1.0M
22f. All Other Assets 009C $46.4M
22g. Total Other Assets AS0036 $51.5M
23. TOTAL ASSETS 010 $961.8M
Accounts Payable and Other Liabilities 825 $7.1M
ACL on Off-Balance-Sheet Exposures LI0003 $9K
Borrowings (total) 860C $32.5M
Member Shares of All Types 013 $806.7M
Nonmember Deposits 880 $10.3M
Total Shares and Deposits 018 $817.0M
Undivided Earnings 940 $88.1M
Total Net Worth 997 $107.0M
Net Worth Ratio 998 11.13%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $961.8M
Statement of Income and Expense (28 items)
Financial Center First Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $19.1M
3. Income from Investments 120 $5.3M
5. TOTAL INTEREST INCOME 115 $24.4M
6. Dividends on Shares 380 $6.2M
8. Interest on Borrowed Money 340 $504K
9. TOTAL INTEREST EXPENSE 350 $6.7M
10. NET INTEREST INCOME IS0010 $17.7M
12a. Credit Loss Expense - Loans and Leases IS0011 $1.4M
12d. Credit Loss Expense - Off-Balance-Sheet IS0016 -$103K
12e. Total Credit Loss Expense IS0017 $1.3M
13. Fee Income 131 $2.2M
14. Other Operating Income IS0020 $2.4M
16. Gain (Loss) on Other Investments IS0047 $7K
19. Gain (Loss) on Sale of Loans IS0029 -$26K
22. Other Non-Operating Income 440 $814
23. TOTAL NON-INTEREST INCOME 117 $4.5M
24. Employee Compensation and Benefits 210 $10.3M
25. Travel and Conference 230 $124K
26. Office Occupancy 250 $989K
27. Office Operations 260 $2.7M
28. Educational and Promotional 270 $577K
29. Loan Servicing 280 $925K
30. Professional and Outside Services 290 $3.3M
31. Member Insurance 310 $29K
32. Operating Fees 320 $33K
33. Miscellaneous Operating Expense 360 $356K
34. TOTAL NON-INTEREST EXPENSE 671 $19.3M
35. NET INCOME 661A $1.6M
Statement pages - all other filed accounts (27 items)

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

Financial Center First 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 $5.1M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $1.7M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $127K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $521K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $44K
Loans Granted Year-to-Date 031A $3K
Amount of Loans Granted Year-to-Date 031B $132.2M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $5.2M
Number of current members (not number of accounts) 083 56,404
Number of potential members 084 2,470,812
Net Member Business Loan Balance 400A $40.7M
Non-Member Deposits 457 $5
Interest Rate of Unsecured Credit Card Loans 521 1,162.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,146.00%
Interest Rate of New Vehicle Loans 523 700.00%
Interest Rate of Used Vehicle Loans 524 682.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $3.0M
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $1.8M
Total Amount of All Other Shares 630 $27.9M
Amount of Regular Shares 657 $174.5M
Balance Outstanding of All Interest Only & Payment Option 1st Mortgage Loans. 704C1 $1.8M
Amount of Share Drafts 902 $242.9M
IRA/KEOGH Accounts - < 1 Year 906A $14.9M
Share Certificates - < 1 Year 908A $182.2M
Total Amount of Share Certificates 908C $213.2M
Total Amount of Money Market Shares 911 $129.9M
Number of Used Vehicle Loans 968 7,738
NCUA form-section FS220A (28 items)

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

Financial Center First Credit Union, NCUA form-section FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $771.9M
Total Shares - 1-3 Years 013B1 $31.0M
Total Shares - > 3 Years 013B2 $3.8M
Total Shares and Deposits - < 1 Year 018A $776.4M
Total Shares and Deposits - 1-3 Years 018B1 $36.8M
Total Shares and Deposits - > 3 Years 018B2 $3.8M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 146
Amount of Delinquent Indirect Loans 041E $79
Effective date of last audit 063 $122K
Amount of Used Vehicle Loans 370 $170.4M
Amount of New Vehicle Loans 385 $80.8M
Amount of Unsecured Credit Card Loans 396 $10.7M
Amount of All Other Unsecured Loans/Lines of Credit 397 $8.7M
Share Certificates 451 $6K
Number of Accounts for Share Drafts 452 30,465
IRA/KEOGH Accounts 453 $1K
Number of Accounts for Regular Shares 454 61,130
All other shares 455 $10K
Money Market Shares 458 $2K
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 111,510
Number of credit union employees who are Full-Time (26 hours or more) 564A 183
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 2
Number of Outstanding Indirect Loans 617A 7,633
Total Amount of Outstanding Indirect Loans 618A $214.9M
Amount of real estate loans sold but serviced by the credit union 779A $73K
Total credit lines 881 $133.8M
Draws against lines of credit, less than 1 year 883A $32.5M
Draws against lines of credit, total amount 883C $32.5M
NCUA form-section FS220B (32 items)

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

Financial Center First Credit Union, NCUA form-section FS220B, Q2 2026
Line item Account Q2 2026
Number - Total Delinquent Credit Card Loans 045A 9
Total Amount of Delinquent Unsecured Credit Card Loans 045B $29K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $106.0M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $106.0M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $711.0M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $62K
All other shares - < 1 Year 630A $27.5M
All other shares - 1-3 Years 630B1 $389K
All other shares - > 3 Years 630B2 $34K
Amount of Regular Shares - < 1 Year 657A $174.5M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $142K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $7K
Total Borrowings - < 1 Year 860A $32.5M
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 $47.8M
Non-Member Deposits - < 1 Year 880A $4.5M
Non-Member Deposits - 1-3 Years 880B1 $5.8M
Is your credit union a member of a Federal Home Loan Bank? 896 $1
Amount of Share Drafts - < 1 Year 902A $242.9M
IRA/KEOGH Accounts - 1-3 Years 906B1 $2.9M
IRA/KEOGH Accounts - > 3 Years 906B2 $485K
Total Amount of IRA/KEOGH Accounts 906C $18.4M
Share Certificates - 1-3 Years 908B1 $27.7M
Share Certificates - > 3 Years 908B2 $3.3M
Money Market Shares - < 1 Year 911A $129.9M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $1.8M
Number of New Vehicle Loans 958 2,381
Total Shares 966 $112K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $5.7M
Number of Unsecured Credit Card Loans 993 3,879
Number of All Other Unsecured Loans/Lines of Credit 994 6,357
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 43
NCUA form-section FS220C (9 items)

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

Financial Center First Credit Union, NCUA form-section FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $1
Total Amount of Indirect Loans Charged Off Year-to-Date 550E $1.3M
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $1.3M
Number of credit union branches (include the main office if member services are conducted at that location) 566 11
Supplemental Share Information - Accts Held by Member Government Depositors 631 $31.2M
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $110.7M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $5.1M
Amount of Participation Loans Purchased Year-to-Date 690 $18.4M
Outstanding balance of brokered certificates of deposit and share certificates 788 $8.7M
NCUA form-section FS220D (36 items)

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

Financial Center First Credit Union, NCUA form-section 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
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Credit Builder 879D1 $1
Mortgage Processing 879G $1
Approved Mortgage Seller 879H $1
Brokered Certificates of Deposits 879N $1
Brokered Deposits (All deposits acquired through a third party) 879T $1
International Remittances 879V $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
Point-of-sale-Processing PI0012 $1
Offer Custodial Accounts PP0032 $1
Offer Non-Custodial Accounts PP0033 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
CU offer Shared service network PP0058 $1
NCUA form-section FS220G (11 items)

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

Financial Center First Credit Union, NCUA form-section FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $18.9M
Total Outstanding Amount of Participation Loans Purchased By Type 691L $99.9M
Outstanding Amount of Real Estate Participation Loans Purchased 691L2 $88.0M
Total Outstanding Amount of Participation Loans Sold By Type 691N $6K
Number of Outstanding Int Only & Payment Option 1st Mtg Loans 704C2 46
Total Value of Investments in CUSOs 851 $16.1M
Total Aggregate Cash Outlay in CUSOs 853 $14.4M
Assets Pledged to Secure Borrowings 878 $183.4M
Total Credit Lines at Corporate Credit Unions 884 $987K
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $18.9M
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $18.9M
NCUA form-section FS220H (8 items)

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

Financial Center First Credit Union, NCUA form-section FS220H, Q2 2026
Line item Account Q2 2026
Interest Rate on Non-Federally Guaranteed Student Loans 595A 775.00%
Outstanding Amount of Non-Federally Guaranteed Student Loans Participations Purchased 691L7 $6K
Outstanding Amount of Non-Federally Guaranteed Student Loans Participations Sold 691N7 $6K
Amount of Non-Federally Guaranteed Student Loans 698A $44K
Total Unfunded Commitments for all loan types 816A $113.4M
Number of Non-Federally Guaranteed Student Loans 963A 38
Total number of TDR loans outstanding 1000F $1
Total amount of TDR loans outstanding 1001F $133K
NCUA form-section FS220I (20 items)

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

Financial Center First Credit Union, NCUA form-section FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $601K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $3.1M
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $87K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $542K
Amount of New Vehicle Loans Delinquent 180 to 359 days 022C1 $35K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $58K
Amount of Used Vehicle Loans Delinquent >=360 days 023C2 $50K
Number of Reportable Delinquent New Vehicle Loans 035E1 14
Number of Reportable Delinquent Used Vehicle Loans 035E2 71
Amount of Reportable Delinquent New Vehicle Loans 041C1 $377K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $1.5M
Amount of New Vehicle Loans YTD Charge Offs 550C1 $134K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $2.0M
Amount of New Vehicle Loans YTD Recoveries 551C1 $161K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $1.2M
Commercial Share Accounts 643 $37.2M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $343K
Draws Against LOCs from FHLB 885A3 $32.5M
Total Draws Againts LOCs 885A4 $32.5M
Number of International Remittances originated Year-to-Date 928 61
NCUA form-section FS220J (3 items)

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

Financial Center First Credit Union, NCUA form-section FS220J, Q2 2026
Line item Account Q2 2026
Other Assets - Split Dollar Life Insurance Arrangements - Collateral Assignment 789E $15.4M
Other Assets - Other Non-insurance 789F $1.7M
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $17.1M
NCUA form-section FS220L (45 items)

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

Financial Center First Credit Union, NCUA form-section FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $25K
Total Amount of Loans & Leases on Loan Schedule 025B1 $675.0M
Total number of commercial loans to members granted or purchased YTD 090A1 $22
Number of member commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090H2 7
Number of member commercial loans Secured by Non-Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090J2 5
Total Number of member commercial real estate secured loans granted or purchased YTD 090K2 $12
Number of Member Commercial and industrial loans granted or purchased YTD 090L2 10
Number of member construction and development commercial loans 143A3 4
Number of purchased or participation interests in commercial loans secured by construction and development property to nonmembers 143A4 4
Outstanding balance of member construction and development commercial loans 143B3 $4.0M
Outstanding balance of purchased or participation interests in commercial loans secured by construction and development property to nonmembers 143B4 $6.7M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $60.3M
Amount of All Other Real Estate Loans/Lines of Credit 386B $28K
Total outstanding balance of commercial loans to members 400A1 $38.0M
Total outstanding balance of nonmember commercial loans 400B1 $11.9M
Outstanding balance of Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 400C6 $153K
Outstanding balance of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 400H2 $15.5M
Outstanding balance of purchased or participation interests in commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400H3 $954K
Outstanding balance of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 400J2 $15.6M
Outstanding balance of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400J3 $4.2M
Outstanding balance of Member Commercial and Industrial loans 400L2 $1.4M
Outstanding balance of member commercial loans Secured Multifamily Property 400M $1.3M
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $1.5M
Outstanding balance of all member and non-member commercial loans 400T1 $49.9M
Total Dollar amount of member commercial loans granted or purchased YTD 475A1 $5.0M
Dollar Amount of Member Commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 475H2 $3.2M
Dollar Amount of Member Commercial loans Secured by Non-Owner Occupied Non-Farm, Non-Residential Property granted or purchased YTD 475J2 $478K
Total Dollar amount of real estate secured member commercial loans granted or purchased YTD 475K2 $3.7M
Dollar Amount of Member Commercial and Industrial loans granted or purchased YTD 475L2 $1.3M
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 659.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 659.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 545.00%
Interest Rate of All Other Real Estate Loans/Lines of Credit 562B 549.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 540.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 690.00%
Number of Commercial Small Business Administration Loans Outstanding 691B1 15
Outstanding Balance of Commercial Small Business Administration Loans 691C1 $799K
Guaranteed Portion of Commercial Small Business Administration Loans 691C2 $569K
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Purchased 691L8 $5.2M
Outstanding Amount of Commercial Construction & Development Loans Purchased 691L9 $6.7M
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $16.0M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $278.1M
Total Outstanding Balance of real estate secured member commercial loans 718A3 $36.4M
Total Outstanding Balance of real estate secured nonmember commercial loans 718A4 $11.9M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $48.3M
NCUA form-section FS220M (25 items)

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

Financial Center First Credit Union, NCUA form-section 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 $43.6M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $35.8M
Total Unfunded Commitments for Commercial Loans 814K $2.4M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $9.8M
Total Other Unfunded Commitments (Non-Commercial) 816B5 $2.4M
Total Unfunded Commitments for Non-Commercial Loans 816T $111.1M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $19.6M
Total number of member commercial loans 900A1 $105
Total number of nonmember commercial loans 900B1 $25
Number of Member Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 900C6 23
Number of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 900H2 27
Number of purchased or participation interests in commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900H3 12
Number of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 900J2 27
Number of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900J3 9
Total number of real estate secured member commercial loans 900K2 $62
Total number of real estate secured nonmember commercial loans 900K3 $25
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 80
Number of Member Commercial and Industrial loans 900L2 20
Number of member commercial loans Secured by Multifamily Property 900M 4
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 43
Total Number of Member and Nonmember commercial loans 900T1 $130
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 2,194
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 1,540
Number of All Other Real Estate Loans/Lines of Credit 960B 1
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 994
NCUA form-section FS220N (13 items)

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

Financial Center First Credit Union, NCUA form-section FS220N, Q2 2026
Line item Account Q2 2026
Available-for-sale Debt Securities <=1 Year AS0062 $46.3M
Available-for-sale Debt Securities >1 and <=3 Years AS0063 $77.0M
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $44.5M
Available-for-sale Debt Securities >5 and <= 10 Years AS0065 $35.4M
Available-for-sale Debt Securities > 10 Years AS0066 $35K
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$1.9M
Total Liabilities LI0069 $856.6M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $6.1M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $961.8M
Number of Loans Purchased from Other Sources YTD (Whole or partial loans) SL0012 2
Amount of Loans Purchased from Other Sources YTD (Whole or partial loans) SL0013 $2.0M
Number of Loans Purchased from Other Financial Institutions YTD (Whole or partial loans) SL0014 39
Amount of Loans Purchased from Other Financial Institutions YTD (Whole or partial loans) SL0015 $5.6M
NCUA form-section FS220P (50 items)

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

Financial Center First Credit Union, NCUA form-section FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $224K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $124K
Loan Loss Information - YTD Charge Offs - All Other Secured Non-Real Estate Loans/Lines of Credit CH0015 $113K
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $61K
Loan Loss Information - YTD Charge Offs - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien CH0017 $4K
Loan Loss Information - YTD Recoveries - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien CH0018 $70K
Loan Loss Information - YTD Charge Offs - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien CH0019 $332K
Loan Loss Information - YTD Recoveries - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien CH0020 $97K
Loan Loss Information - YTD Recoveries - Commercial Loans/Lines of Credit Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property CH0032 $60K
Loan Loss Information - YTD Charge Offs - Commercial Loans/Lines of Credit - Unsecured Commercial Loans CH0037 $6K
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $34.0M
Unsecured Credit Card Loans DL0002 $29K
All Other Unsecured Loans/Lines of Credit DL0022 $97K
All Other Unsecured Loans/Lines of Credit DL0023 $42K
All Other Unsecured Loans/Lines of Credit DL0024 $8K
All Other Unsecured Loans/Lines of Credit DL0027 $50K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $24
New Vehicle Loans DL0030 $254K
Used Vehicle Loans DL0037 $814K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $129K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $38K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $32K
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 1st Lien DL0057 $492K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $1.3M
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $1.0M
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0060 $23K
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0061 $419K
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 $2.8M
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 $15
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $617K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0065 $330K
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0067 $9K
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0068 $52K
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 $392K
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 $8
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $2.8M
Amount of Consumer Loans in Non-Accrual Status DL0145 $2.4M
Amount of Commercial Loans in Non-Accrual Status DL0146 $310
Number of Indirect Loans - New and Used Vehicle Loans IN0001 7,237
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $199.4M
Number of Indirect Loans - First Lien and Junio Lien Residential Loans IN0003 40
Amount of Indirect Loans - First Lien and Junio Lien Residential Loans IN0004 $4.1M
Number of Indirect Loans - All Other Loans IN0007 356
Amount of Indirect Loans - All Other Loans IN0008 $11.5M
Off-Balance Sheet Exposures - Totally Unconditionally Cancelable Unfunded Commitments for All Loan Types LQ0013 $67.5M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Commercial Loans LQ0014 $2.4M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Secured and Real Estate LQ0015 $43.6M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments -Total LQ0017 $45.9M
NCUA form-section FS220Q (44 items)

investment portfolio detail (69%)

Financial Center First Credit Union, NCUA form-section FS220Q, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Corporate Credit Unions LQ0035 $1.0M
Borrowing Arrangements - Line of Credit Limit - Federal Home Loan Bank LQ0040 $68.2M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Federal Home Loan Bank LQ0043 $95.7M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - FRB LQ0047 $86.7M
Total Borrowings LQ0860 $32.5M
Available-for-sale Amortized Cost - US Government Obligations NV0003 $8.0M
Available-for-sale Fair Value - US Government Obligations NV0004 $7.9M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0015 $13.9M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0016 $13.8M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0019 $166.4M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0020 $164.7M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0023 $180.3M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0024 $178.5M
Available-for-sale Amortized Cost - Securities Issued by States and Political Subdivisions in the U.S. NV0071 $8.1M
Available-for-sale Fair Value - Securities Issued by States and Political Subdivisions in the U.S. NV0072 $8.1M
Available-for-sale Amortized Cost - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0075 $8.7M
Available-for-sale Fair Value - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0076 $8.7M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $205.1M
Total Fair Value Available-for-Sale Debt Securities NV0084 $203.2M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $239K
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $968K
Investment Maturity Distribution - Time Deposits - Total NV0116 $1.2M
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $203.2M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $2.9M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $746K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $3.7M
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $46.6M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $80.9M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $44.5M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $35.4M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $781K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $208.1M
Investment - Memoranda - Realized Gains (Losses) - Realized Gains (Losses) on Available for Sale Securities NV0160 $7K
Total Gain (Loss) on Investments NV0162 $7K
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Collateral Assignment - Cash Surrender Value NV0170 $15.4M
RBC Total Equity RB0001 $107.0M
RBC Allowance for Credit Losses RB0002 $7.8M
RBC Total Additions RB0005 $7.8M
RBC Total Deductions RB0009 $8.8M
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $106.1M
RBC Risk-Based Capital Numerator RB0012 $106.1M
Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - 1- to 4-Family Residential Property SL0045 $15.9M
Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - Commercial Construction & Development SL0053 $2.5M
Participation Loans: Participations Purchased - Outstanding Balance - Amount - All Other SL0056 $28K
NCUA form-section FS220R (60 items)

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

Financial Center First Credit Union, NCUA form-section FS220R, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Total Borrowing Capacity at Federal Reserve Bank LQ0061 $64.6M
CCULR Election to opt into the Complex Credit Union Leverage Ratio LR0001 1.00%
CCULR Off-Balance sheet exposures LR0002 $45.9M
CCULR Off-Balance sheet exposures ratio LR0003 477.00%
CCULR Goodwill and Other Intangible Assets LR0006 $1.7M
CCULR Goodwill and Other Intangible Assets Ratio LR0007 17.00%
RBC Schedule Total Investments RB0039 $206.9M
RBC Schedule Total Consumer Loans RB0060 $286.7M
RBC Schedule Total Commercial Loans RB0068 $49.9M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $7.8M
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $7.8M
RBC Schedule Total Loans RB0079 $667.2M
RBC Total for Risk Weighting Total Loans RB0081 -$7.8M
RBC Total Loans 0% Weight RB0082 -$7.8M
RBC Schedule Total Other Assets RB0088 $70.6M
RBC Total for Risk Weighting Other Assets RB0090 $8.8M
RBC Other Assets 0% Weight RB0091 $8.8M
RBC Total from Schedule On-Balance Sheet Assets RB0099 $961.8M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $982K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $982K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $961.8M
RBC Allowance for Credit Losses (Loans) RB0177 $7.8M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 415.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 121,820,199.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 6,191,216.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 1,022.00%
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 65,365,221.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 2,595,745.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid >5 Years RL0007 $296
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0008 $82.4M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 230.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 8,499,558.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Adjustable Rate RL0015 4,854,900.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $278.1M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $13.6M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 620.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 28,926,503.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 4,397,385.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Fixed Rate RL0024 55.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Fixed Rate RL0025 2,821,231.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 853.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 28,506,945.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 12,573,215.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $60.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $17.0M
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Number of Loans Outstanding RL0032 1.00%
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Amount of Loans Outstanding RL0033 28,015.00%
All Other (Non-commercial) Real Estate - Amount of Loans Outstanding - Total RL0044 $28K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $3K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $338.4M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $30.6M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $31.5M
Total Shares SH0013 $806.7M
Total Shares and Deposits SH0018 $817.0M
Total Non-Member Deposits SH0880 $10.3M
Number of Outstanding Loans Purchased from Other Financial Institutions SL0018 296
Amount of Outstanding Loans Purchased from Other Financial Institutions SL0019 $96.0M
Number of Outstanding Loans Purchased from Other Sources SL0020 39
Amount of Outstanding Loans Purchased from Other Sources SL0021 $3.9M
Number of Outstanding Real Estate Loans Sold with Servicing Retained SL0030 1
NCUA form-section FS220S (3 items)

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

Financial Center First Credit Union, NCUA form-section FS220S, Q2 2026
Line item Account Q2 2026
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

Financial Center First 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 Financial Center First Credit Union call report?

The Financial Center First 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 Financial Center First Credit Union file?

Financial Center First 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 Financial Center First 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 Financial Center First Credit Union is 68658.

How often does Financial Center First Credit Union file a call report?

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

Financial Center First Credit Union financials and ratios →

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