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Credit union call report ยท Daytona Beach, FL

Financial Educators Federal Credit Union Call Report

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Financial Educators Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 243 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Financial Educators Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number19605
Federal Reserve RSSD ID363282

The official copy: search charter number 19605 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Financial Educators Federal Credit Union call report, Q2 2026

Statement of Financial Condition (30 items)
Financial Educators Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $125K
1b. Cash Items in Process of Collection AS0005 $12K
1c. Total Cash on Hand 730A $136K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $1.1M
2c. Cash on Deposit in Other Financial Institutions 730B2 $5K
2. Cash on Deposit (total) 730B $1.1M
3. Time Deposits in Banks and Credit Unions AS0007 $1.6M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $2.8M
8. Available-for-Sale Debt Securities AS0067 $8.3M
11. TOTAL INVESTMENT SECURITIES AS0013 $8.3M
12b. Perpetual Contributed Capital 769B $241K
13. TOTAL OTHER INVESTMENTS AS0017 $241K
15a. Number of Total Loans and Leases 025A 712
15b. Total Loans and Leases 025B $12.0M
17. ACL on Loans and Leases AS0048 $269K
19. Land and Building 007 $20K
20. Other Fixed Assets 008 $9K
21. NCUA Share Insurance Capitalization Deposit 794 $172K
22d. Accrued Interest on Loans 009A $18K
22e. Accrued Interest on Investments 009B $29K
22f. All Other Assets 009C $108K
22g. Total Other Assets AS0036 $154K
23. TOTAL ASSETS 010 $23.5M
Accounts Payable and Other Liabilities 825 $173K
Member Shares of All Types 013 $19.7M
Total Shares and Deposits 018 $19.7M
Undivided Earnings 940 $3.7M
Total Net Worth 997 $3.7M
Net Worth Ratio 998 15.68%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $23.5M
Statement of Income and Expense (24 items)
Financial Educators Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $348K
3. Income from Investments 120 $161K
5. TOTAL INTEREST INCOME 115 $510K
6. Dividends on Shares 380 $106K
8. Interest on Borrowed Money 340 $34
9. TOTAL INTEREST EXPENSE 350 $106K
10. NET INTEREST INCOME IS0010 $404K
12a. Credit Loss Expense - Loans and Leases IS0011 $42K
12e. Total Credit Loss Expense IS0017 $42K
13. Fee Income 131 $30K
14. Other Operating Income IS0020 $32K
18. Gain (Loss) on Disposition of Fixed Assets 430 -$193
23. TOTAL NON-INTEREST INCOME 117 $61K
24. Employee Compensation and Benefits 210 $164K
25. Travel and Conference 230 $36
26. Office Occupancy 250 $6K
27. Office Operations 260 $58K
28. Educational and Promotional 270 $12K
29. Loan Servicing 280 $34K
30. Professional and Outside Services 290 $55K
32. Operating Fees 320 $2K
33. Miscellaneous Operating Expense 360 $6K
34. TOTAL NON-INTEREST EXPENSE 671 $337K
35. NET INCOME 661A $86K
Statement pages - all other filed accounts (20 items)

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

Financial Educators 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 $56K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $473
Loans Granted Year-to-Date 031A $82
Amount of Loans Granted Year-to-Date 031B $1.2M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $530
Number of current members (not number of accounts) 083 1,378
Number of potential members 084 75,000
Interest Rate of Unsecured Credit Card Loans 521 1,190.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,223.20%
Interest Rate of New Vehicle Loans 523 528.90%
Interest Rate of Used Vehicle Loans 524 684.10%
Total Amount of All Loans Charged Off Year-to-Date 550 $48K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $2K
Amount of Regular Shares 657 $6.1M
Amount of Share Drafts 902 $3.8M
IRA/KEOGH Accounts - < 1 Year 906A $342K
Share Certificates - < 1 Year 908A $2.4M
Total Amount of Share Certificates 908C $5.2M
Total Amount of Money Market Shares 911 $4.2M
Number of Used Vehicle Loans 968 129
NCUA data file FS220A (20 items)

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

Financial Educators Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $16.9M
Total Shares - 1-3 Years 013B1 $2.8M
Total Shares and Deposits - < 1 Year 018A $16.9M
Total Shares and Deposits - 1-3 Years 018B1 $2.8M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 2
Effective date of last audit 063 $122K
Amount of Used Vehicle Loans 370 $2.1M
Amount of New Vehicle Loans 385 $472K
Amount of Unsecured Credit Card Loans 396 $503K
Amount of All Other Unsecured Loans/Lines of Credit 397 $723K
Share Certificates 451 $207
Number of Accounts for Share Drafts 452 1,040
IRA/KEOGH Accounts 453 $24
Number of Accounts for Regular Shares 454 2,026
Money Market Shares 458 $193
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 3,490
Number of credit union employees who are Full-Time (26 hours or more) 564A 5
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $180K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,823.00%
Total credit lines 881 $1.4M
NCUA data file FS220B (19 items)

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

Financial Educators Federal Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Number - Total Delinquent Credit Card Loans 045A 1
Total Amount of Delinquent Unsecured Credit Card Loans 045B $324
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $1.8M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $1.8M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $17.9M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $92K
Amount of Regular Shares - < 1 Year 657A $6.1M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $9K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $1K
Amount of Share Drafts - < 1 Year 902A $3.8M
Total Amount of IRA/KEOGH Accounts 906C $342K
Share Certificates - 1-3 Years 908B1 $2.8M
Money Market Shares - < 1 Year 911A $4.2M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $240K
Number of New Vehicle Loans 958 16
Total Shares 966 $3K
Number of Unsecured Credit Card Loans 993 362
Number of All Other Unsecured Loans/Lines of Credit 994 119
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 14
NCUA data file FS220C (5 items)

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

Financial Educators Federal Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $5
Number of credit union branches (include the main office if member services are conducted at that location) 566 2
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $3.2M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $113K
Outstanding balance of brokered certificates of deposit and share certificates 788 $8.4M
NCUA data file FS220D (25 items)

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

Financial Educators Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
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
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Payday Alternative Loans (PAL loans) (FCU Only) 879D9 $1
Deposits and Shares Meeting 703.10(a) 879M $1
Brokered Certificates of Deposits 879N $1
International Remittances 879V $1
Low-cost wire transfers 879W $1
Loan Application 887B $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
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
NCUA data file FS220G (1 item)

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

Financial Educators Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Credit Lines at Corporate Credit Unions 884 $1.4M
NCUA data file FS220H (11 items)

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

Financial Educators 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 25
Amount of Payday Alternative Loans (PAL loans) Granted Year-to-Date (FCU only) 031D $21K
Payday Alternative Loans (PAL loans) (FCU only) 30-59 days delinquent 089B $600
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 $206
Amount of Payday Alternative Loans (PAL loans) 397A $7K
Interest Rate of Payday Alternative Loans (PAL loans) 522A 2,800.00%
Total Unfunded Commitments for all loan types 816A $1.8M
Number of Payday Alternative Loans (PAL loans) 994A 16
Total number of TDR loans outstanding 1000F $4
Total amount of TDR loans outstanding 1001F $556K
NCUA data file FS220I (4 items)

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

Financial Educators 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 $41K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $28K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $629
Number of International Remittances originated Year-to-Date 928 1
NCUA data file FS220L (8 items)

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

Financial Educators Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $712
Total Amount of Loans & Leases on Loan Schedule 025B1 $12.0M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $347K
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 649.20%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 477.30%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 766.40%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $105K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $7.8M
NCUA data file FS220M (7 items)

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

Financial Educators Federal Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $1.5M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $310K
Total Unfunded Commitments for Non-Commercial Loans 816T $1.8M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $692
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 59
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 4
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 7
NCUA data file FS220N (7 items)

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

Financial Educators Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Available-for-sale Debt Securities <=1 Year AS0062 $3.0M
Available-for-sale Debt Securities >1 and <=3 Years AS0063 $3.9M
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $1.3M
Available-for-sale Debt Securities >5 and <= 10 Years AS0065 $131K
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$64K
Total Liabilities LI0069 $19.9M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $23.5M
NCUA data file FS220P (8 items)

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

Financial Educators Federal Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $11K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $587
Unsecured Credit Card Loans DL0002 $324
Payday Alternative Loans DL0009 $206
All Other Unsecured Loans/Lines of Credit DL0022 $2K
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $12K
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $530
Amount of Consumer Loans in Non-Accrual Status DL0145 $206
NCUA data file FS220Q (21 items)

investment portfolio detail (69%)

Financial Educators Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Available-for-sale Amortized Cost - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0075 $8.3M
Available-for-sale Fair Value - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0076 $8.3M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $8.3M
Total Fair Value Available-for-Sale Debt Securities NV0084 $8.3M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $1.6M
Investment Maturity Distribution - Time Deposits - Total NV0116 $1.6M
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $8.3M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $241K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $241K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $4.6M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $3.9M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $1.3M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $131K
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $241K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $10.2M
RBC Total Equity RB0001 $3.7M
RBC Allowance for Credit Losses RB0002 $269K
RBC Total Additions RB0005 $269K
RBC Total Deductions RB0009 $172K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $3.8M
RBC Risk-Based Capital Numerator RB0012 $3.8M
NCUA data file FS220R (33 items)

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

Financial Educators Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $8.6M
RBC Schedule Total Consumer Loans RB0060 $3.9M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $269K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $269K
RBC Schedule Total Loans RB0079 $11.7M
RBC Total for Risk Weighting Total Loans RB0081 -$269K
RBC Total Loans 0% Weight RB0082 -$269K
RBC Schedule Total Other Assets RB0088 $356K
RBC Total for Risk Weighting Other Assets RB0090 $172K
RBC Other Assets 0% Weight RB0091 $172K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $23.5M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 -$97K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 -$97K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $23.5M
RBC Allowance for Credit Losses (Loans) RB0177 $269K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 50.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 6,746,528.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 245,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 20.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 1,025,907.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $7.8M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $245K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 4.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 347,021.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 89,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $347K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $89K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $74
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $8.1M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $334K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $178K
Total Shares SH0013 $19.7M
Total Shares and Deposits SH0018 $19.7M

Financial Educators 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 Financial Educators Federal Credit Union call report?

The Financial Educators 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 Financial Educators Federal Credit Union file?

Financial Educators 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 Financial Educators 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 Financial Educators Federal Credit Union is 19605.

How often does Financial Educators Federal Credit Union file a call report?

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

Financial Educators Federal Credit Union financials and ratios →

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