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Credit union call report ยท Abilene, TX

First Watch Federal Credit Union Call Report

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First Watch Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 240 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

First Watch Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number13290
Federal Reserve RSSD ID958884

The official copy: search charter number 13290 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

First Watch Federal Credit Union call report, Q2 2026

Statement of Financial Condition (29 items)
First Watch Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $579K
1c. Total Cash on Hand 730A $579K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $17.7M
2c. Cash on Deposit in Other Financial Institutions 730B2 $1.1M
2. Cash on Deposit (total) 730B $18.7M
3. Time Deposits in Banks and Credit Unions AS0007 $8.9M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $28.3M
12b. Perpetual Contributed Capital 769B $104K
13. TOTAL OTHER INVESTMENTS AS0017 $104K
15a. Number of Total Loans and Leases 025A 3,069
15b. Total Loans and Leases 025B $69.1M
17. ACL on Loans and Leases AS0048 $138K
18c. Foreclosed/Repossessed - Vehicles AS0024 $54K
18e. Foreclosed/Repossessed Assets (total) 798A $54K
19. Land and Building 007 $3.3M
20. Other Fixed Assets 008 $271K
21. NCUA Share Insurance Capitalization Deposit 794 $856K
22d. Accrued Interest on Loans 009A $165K
22e. Accrued Interest on Investments 009B $43K
22f. All Other Assets 009C $2.8M
22g. Total Other Assets AS0036 $3.0M
23. TOTAL ASSETS 010 $104.7M
Accounts Payable and Other Liabilities 825 $285K
Member Shares of All Types 013 $94.7M
Total Shares and Deposits 018 $94.7M
Undivided Earnings 940 $9.8M
Total Net Worth 997 $9.8M
Net Worth Ratio 998 9.33%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $104.7M
Statement of Income and Expense (23 items)
First Watch Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $1.8M
3. Income from Investments 120 $507K
5. TOTAL INTEREST INCOME 115 $2.3M
6. Dividends on Shares 380 $512K
9. TOTAL INTEREST EXPENSE 350 $512K
10. NET INTEREST INCOME IS0010 $1.8M
12a. Credit Loss Expense - Loans and Leases IS0011 $49K
12e. Total Credit Loss Expense IS0017 $49K
13. Fee Income 131 $380K
14. Other Operating Income IS0020 $399K
18. Gain (Loss) on Disposition of Fixed Assets 430 $3K
23. TOTAL NON-INTEREST INCOME 117 $782K
24. Employee Compensation and Benefits 210 $1.3M
25. Travel and Conference 230 $5K
26. Office Occupancy 250 $162K
27. Office Operations 260 $626K
28. Educational and Promotional 270 $38K
29. Loan Servicing 280 $192K
30. Professional and Outside Services 290 $110K
32. Operating Fees 320 $6K
33. Miscellaneous Operating Expense 360 $22K
34. TOTAL NON-INTEREST EXPENSE 671 $2.4M
35. NET INCOME 661A $98K
Statement pages - all other filed accounts (20 items)

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

First Watch 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 $54K
Loans Granted Year-to-Date 031A $436
Amount of Loans Granted Year-to-Date 031B $14.4M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $18K
Number of current members (not number of accounts) 083 9,088
Number of potential members 084 336,059
Interest Rate of Unsecured Credit Card Loans 521 999.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 575.00%
Interest Rate of New Vehicle Loans 523 499.00%
Interest Rate of Used Vehicle Loans 524 521.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $56K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $8K
Total Amount of All Other Shares 630 $1.9M
Amount of Regular Shares 657 $33.2M
Amount of Share Drafts 902 $20.7M
IRA/KEOGH Accounts - < 1 Year 906A $2.4M
Share Certificates - < 1 Year 908A $14.3M
Total Amount of Share Certificates 908C $15.3M
Total Amount of Money Market Shares 911 $21.2M
Number of Used Vehicle Loans 968 1,066
NCUA data file FS220A (24 items)

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

First Watch Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $93.7M
Total Shares - 1-3 Years 013B1 $978K
Total Shares and Deposits - < 1 Year 018A $93.7M
Total Shares and Deposits - 1-3 Years 018B1 $978K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 1
Amount of Delinquent Indirect Loans 041E $18K
Effective date of last audit 063 $92K
Amount of Used Vehicle Loans 370 $25.1M
Amount of New Vehicle Loans 385 $28.1M
Amount of Unsecured Credit Card Loans 396 $751K
Amount of All Other Unsecured Loans/Lines of Credit 397 $1.2M
Share Certificates 451 $420
Number of Accounts for Share Drafts 452 5,657
IRA/KEOGH Accounts 453 $153
Number of Accounts for Regular Shares 454 9,838
All other shares 455 $554
Money Market Shares 458 $404
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 17,026
Number of credit union employees who are Full-Time (26 hours or more) 564A 31
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $246K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,674.00%
Number of Outstanding Indirect Loans 617A 927
Total Amount of Outstanding Indirect Loans 618A $28.8M
Total credit lines 881 $10.0M
NCUA data file FS220B (17 items)

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

First Watch Federal Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $6.1M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $6.1M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $88.6M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $92K
All other shares - < 1 Year 630A $1.9M
Amount of Regular Shares - < 1 Year 657A $33.2M
Amount of Share Drafts - < 1 Year 902A $20.7M
Total Amount of IRA/KEOGH Accounts 906C $2.4M
Share Certificates - 1-3 Years 908B1 $978K
Money Market Shares - < 1 Year 911A $21.2M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $477K
Number of New Vehicle Loans 958 771
Total Shares 966 $17K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $39K
Number of Unsecured Credit Card Loans 993 575
Number of All Other Unsecured Loans/Lines of Credit 994 349
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 23
NCUA data file FS220C (7 items)

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

First Watch 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 $18K
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $3K
Number of credit union branches (include the main office if member services are conducted at that location) 566 3
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $7.7M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $588K
Outstanding balance of brokered certificates of deposit and share certificates 788 $8.9M
NCUA data file FS220D (24 items)

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

First Watch 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 Education 879B2 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Mortgage Processing 879G $1
Brokered Certificates of Deposits 879N $1
Low-cost wire transfers 879W $1
Member Application 887A $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
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
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA data file FS220G (3 items)

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

First Watch Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Value of Investments in CUSOs 851 $20K
Total Aggregate Cash Outlay in CUSOs 853 $20K
Total Credit Lines at Corporate Credit Unions 884 $10.0M
NCUA data file FS220H (3 items)

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

First Watch Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $4.9M
Total number of TDR loans outstanding 1000F $4
Total amount of TDR loans outstanding 1001F $15K
NCUA data file FS220I (8 items)

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

First Watch 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 $28K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $25K
Number of Reportable Delinquent New Vehicle Loans 035E1 1
Amount of Reportable Delinquent New Vehicle Loans 041C1 $18K
Amount of New Vehicle Loans YTD Charge Offs 550C1 $15K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $31K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $5K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $64K
NCUA data file FS220J (2 items)

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

First Watch Federal Credit Union, NCUA data file FS220J, Q2 2026
Line item Account Q2 2026
Other Assets - Other Insurance 789E2 $1.5M
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $1.5M
NCUA data file FS220L (9 items)

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

First Watch Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $3K
Total Amount of Loans & Leases on Loan Schedule 025B1 $69.1M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $291K
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 752.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 572.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 589.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $2.5M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $11.2M
Balance Outstanding of 1st Mtg Residential construction Loans - Excluding Commercial Purpose 704A2 $1.9M
NCUA data file FS220M (8 items)

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

First Watch 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 $102K
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $3.5M
Total Other Unfunded Commitments (Non-Commercial) 816B5 $34K
Total Unfunded Commitments for Non-Commercial Loans 816T $4.9M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $1.3M
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 100
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 6
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 202
NCUA data file FS220N (3 items)

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

First Watch Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Total Liabilities LI0069 $95.0M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $440K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $104.7M
NCUA data file FS220P (7 items)

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

First Watch 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 $9K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $3K
All Other Unsecured Loans/Lines of Credit DL0022 $568
New Vehicle Loans DL0030 $18K
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $18K
Number of Indirect Loans - New and Used Vehicle Loans IN0001 927
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $28.8M
NCUA data file FS220Q (15 items)

investment portfolio detail (69%)

First Watch Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $3.5M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $5.5M
Investment Maturity Distribution - Time Deposits - Total NV0116 $8.9M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $104K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $104K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $3.5M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $5.5M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $104K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $9.0M
RBC Total Equity RB0001 $9.8M
RBC Allowance for Credit Losses RB0002 $138K
RBC Total Additions RB0005 $138K
RBC Total Deductions RB0009 $856K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $9.0M
RBC Risk-Based Capital Numerator RB0012 $9.0M
NCUA data file FS220R (35 items)

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

First Watch Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $104K
RBC Schedule Total Consumer Loans RB0060 $57.5M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $138K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $138K
RBC Schedule Total Loans RB0079 $68.9M
RBC Total for Risk Weighting Total Loans RB0081 -$138K
RBC Total Loans 0% Weight RB0082 -$138K
RBC Schedule Total Other Assets RB0088 $7.4M
RBC Total for Risk Weighting Other Assets RB0090 $856K
RBC Other Assets 0% Weight RB0091 $856K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $104.7M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $717K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $717K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $104.7M
RBC Allowance for Credit Losses (Loans) RB0177 $138K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 34.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 4,475,689.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 535,300.00%
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 61.00%
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 5,299,239.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 110,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 5.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 1,473,138.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Adjustable Rate RL0015 180,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $11.2M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $825K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 6.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 291,253.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $291K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $106
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $11.5M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $825K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $2.1M
Total Shares SH0013 $94.7M
Total Shares and Deposits SH0018 $94.7M
NCUA data file FS220S (3 items)

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

First Watch Federal Credit Union, NCUA data file 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

First Watch 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 First Watch Federal Credit Union call report?

The First Watch 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 First Watch Federal Credit Union file?

First Watch 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 First Watch 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 First Watch Federal Credit Union is 13290.

How often does First Watch Federal Credit Union file a call report?

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

First Watch Federal Credit Union financials and ratios →

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