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Credit union call report ยท Port Huron, MI

Flagship Community Federal Credit Union Call Report

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Flagship Community Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 242 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Flagship Community Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number13391
Federal Reserve RSSD ID641382

The official copy: search charter number 13391 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Flagship Community Federal Credit Union call report, Q2 2026

Statement of Financial Condition (31 items)
Flagship Community Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $440K
1c. Total Cash on Hand 730A $440K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $2.0M
2. Cash on Deposit (total) 730B $2.0M
3. Time Deposits in Banks and Credit Unions AS0007 $14.2M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $16.7M
12a. Nonperpetual Capital Account 769A $97K
12c. All Other Investments AS0016 $200K
13. TOTAL OTHER INVESTMENTS AS0017 $297K
15a. Number of Total Loans and Leases 025A 1,022
15b. Total Loans and Leases 025B $16.8M
17. ACL on Loans and Leases AS0048 $52K
18c. Foreclosed/Repossessed - Vehicles AS0024 $27K
18e. Foreclosed/Repossessed Assets (total) 798A $27K
19. Land and Building 007 $292K
20. Other Fixed Assets 008 $150K
21. NCUA Share Insurance Capitalization Deposit 794 $302K
22d. Accrued Interest on Loans 009A $50K
22e. Accrued Interest on Investments 009B $37K
22f. All Other Assets 009C $89K
22g. Total Other Assets AS0036 $176K
23. TOTAL ASSETS 010 $34.8M
Accounts Payable and Other Liabilities 825 $68K
Accrued Dividends and Interest Payable 820A $46K
Member Shares of All Types 013 $30.7M
Total Shares and Deposits 018 $30.7M
Undivided Earnings 940 $3.4M
Net Income (equity) 602 $145K
Total Net Worth 997 $3.9M
Net Worth Ratio 998 11.22%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $34.8M
Statement of Income and Expense (21 items)
Flagship Community Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $501K
3. Income from Investments 120 $290K
5. TOTAL INTEREST INCOME 115 $791K
6. Dividends on Shares 380 $61K
9. TOTAL INTEREST EXPENSE 350 $61K
10. NET INTEREST INCOME IS0010 $730K
12a. Credit Loss Expense - Loans and Leases IS0011 $18K
12e. Total Credit Loss Expense IS0017 $18K
13. Fee Income 131 $50K
14. Other Operating Income IS0020 $66K
23. TOTAL NON-INTEREST INCOME 117 $116K
24. Employee Compensation and Benefits 210 $329K
26. Office Occupancy 250 $52K
27. Office Operations 260 $232K
28. Educational and Promotional 270 $15K
29. Loan Servicing 280 $44K
30. Professional and Outside Services 290 $15K
32. Operating Fees 320 $2K
33. Miscellaneous Operating Expense 360 $11K
34. TOTAL NON-INTEREST EXPENSE 671 $701K
35. NET INCOME 661A $127K
Statement pages - all other filed accounts (24 items)

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

Flagship Community 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 $67K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $18K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $12K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $20K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $8K
Loans Granted Year-to-Date 031A $74
Amount of Loans Granted Year-to-Date 031B $2.6M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $51K
Number of current members (not number of accounts) 083 3,015
Number of potential members 084 235,000
Net Member Business Loan Balance 400A $2.2M
Interest Rate of Unsecured Credit Card Loans 521 1,200.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,250.00%
Interest Rate of New Vehicle Loans 523 595.00%
Interest Rate of Used Vehicle Loans 524 625.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $20K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $19K
Amount of Regular Shares 657 $15.0M
Amount of Share Drafts 902 $6.5M
IRA/KEOGH Accounts - < 1 Year 906A $406K
Share Certificates - < 1 Year 908A $2.2M
Total Amount of Share Certificates 908C $2.2M
Total Amount of Money Market Shares 911 $6.7M
Number of Used Vehicle Loans 968 292
NCUA data file FS220A (19 items)

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

Flagship Community Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $30.7M
Total Shares and Deposits - < 1 Year 018A $30.7M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 20
Effective date of last audit 063 $122K
Amount of Used Vehicle Loans 370 $3.7M
Amount of New Vehicle Loans 385 $592K
Amount of Unsecured Credit Card Loans 396 $315K
Amount of All Other Unsecured Loans/Lines of Credit 397 $187K
Share Certificates 451 $50
Number of Accounts for Share Drafts 452 1,280
IRA/KEOGH Accounts 453 $12
Number of Accounts for Regular Shares 454 325
Money Market Shares 458 $203
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 1,870
Number of credit union employees who are Full-Time (26 hours or more) 564A 8
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 4
Number of Outstanding Indirect Loans 617A 97
Total Amount of Outstanding Indirect Loans 618A $1.5M
Total credit lines 881 $4.2M
NCUA data file FS220B (19 items)

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

Flagship Community 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 $3K
Amount of Delinquent Unsecured Credit Card Loans as of - 6 to less than 12 months delinquent 027B $4K
Amount of Delinquent Unsecured Credit Card Loans as of - 12 months and over delinquent 028B $836
Number - Total Delinquent Credit Card Loans 045A 9
Total Amount of Delinquent Unsecured Credit Card Loans 045B $9K
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $30.7M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $32K
Amount of Regular Shares - < 1 Year 657A $15.0M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $2K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $2K
Amount of Share Drafts - < 1 Year 902A $6.5M
Total Amount of IRA/KEOGH Accounts 906C $406K
Money Market Shares - < 1 Year 911A $6.7M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $174K
Number of New Vehicle Loans 958 30
Total Shares 966 $2K
Number of Unsecured Credit Card Loans 993 400
Number of All Other Unsecured Loans/Lines of Credit 994 60
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 7
NCUA data file FS220C (3 items)

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

Flagship Community 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 $1
Number of credit union branches (include the main office if member services are conducted at that location) 566 2
Outstanding balance of brokered certificates of deposit and share certificates 788 $14.2M
NCUA data file FS220D (14 items)

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

Flagship Community Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
Online Financial Literacy 879B7 $1
No Cost Bill Payer 879C2 $1
Deposits and Shares Meeting 703.10(a) 879M $1
Brokered Certificates of Deposits 879N $1
Member Application 887A $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $1
e-Statements 887R $1
Informational Website PI0007 $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
NCUA data file FS220G (4 items)

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

Flagship Community Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $355K
Total Credit Lines at Corporate Credit Unions 884 $4.2M
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $355K
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $355K
NCUA data file FS220H (1 item)

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

Flagship Community Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $3.1M
NCUA data file FS220I (8 items)

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

Flagship Community 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 $59K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $15K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $8K
Amount of Used Vehicle Loans Delinquent >=360 days 023C2 $19K
Number of Reportable Delinquent Used Vehicle Loans 035E2 11
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $42K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $17K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $17K
NCUA data file FS220L (25 items)

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

Flagship Community Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $1K
Total Amount of Loans & Leases on Loan Schedule 025B1 $16.8M
Total number of commercial loans to members granted or purchased YTD 090A1 $2
Number of member commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090H2 1
Total Number of member commercial real estate secured loans granted or purchased YTD 090K2 $1
Number of Member Commercial and industrial loans granted or purchased YTD 090L2 1
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $2.4M
Total outstanding balance of commercial loans to members 400A1 $2.3M
Outstanding balance of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 400H2 $2.2M
Outstanding balance of Member Commercial and Industrial loans 400L2 $105K
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $105K
Outstanding balance of all member and non-member commercial loans 400T1 $2.3M
Total Dollar amount of member commercial loans granted or purchased YTD 475A1 $169K
Dollar Amount of Member Commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 475H2 $70K
Total Dollar amount of real estate secured member commercial loans granted or purchased YTD 475K2 $70K
Dollar Amount of Member Commercial and Industrial loans granted or purchased YTD 475L2 $99K
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 650.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 675.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 700.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 625.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 700.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $931K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $6.4M
Total Outstanding Balance of real estate secured member commercial loans 718A3 $2.2M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $2.2M
NCUA data file FS220M (13 items)

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

Flagship Community 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 $2.2M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $991K
Total Unfunded Commitments for Non-Commercial Loans 816T $3.1M
Total number of member commercial loans 900A1 $21
Number of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 900H2 18
Total number of real estate secured member commercial loans 900K2 $18
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 18
Number of Member Commercial and Industrial loans 900L2 3
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 3
Total Number of Member and Nonmember commercial loans 900T1 $21
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 97
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 44
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 78
NCUA data file FS220N (2 items)

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

Flagship Community Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Total Liabilities LI0069 $30.9M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $34.8M
NCUA data file FS220P (4 items)

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

Flagship Community Federal Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Unsecured Credit Card Loans DL0002 $1K
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $1K
Number of Indirect Loans - New and Used Vehicle Loans IN0001 97
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $1.5M
NCUA data file FS220Q (17 items)

investment portfolio detail (69%)

Flagship Community Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $5.4M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $7.1M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $1.7M
Investment Maturity Distribution - Time Deposits - Total NV0116 $14.2M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - <=1 Year NV0141 $200K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $97K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $297K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $5.6M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $7.2M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $1.7M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $14.5M
RBC Total Equity RB0001 $3.9M
RBC Allowance for Credit Losses RB0002 $52K
RBC Total Additions RB0005 $52K
RBC Total Deductions RB0009 $302K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $3.6M
RBC Risk-Based Capital Numerator RB0012 $3.6M
NCUA data file FS220R (37 items)

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

Flagship Community Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $297K
RBC Schedule Total Consumer Loans RB0060 $5.7M
RBC Schedule Total Commercial Loans RB0068 $2.3M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $52K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $52K
RBC Schedule Total Loans RB0079 $16.8M
RBC Total for Risk Weighting Total Loans RB0081 -$52K
RBC Total Loans 0% Weight RB0082 -$52K
RBC Schedule Total Other Assets RB0088 $946K
RBC Total for Risk Weighting Other Assets RB0090 $302K
RBC Other Assets 0% Weight RB0091 $302K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $34.8M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $250K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $250K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $34.8M
RBC Allowance for Credit Losses (Loans) RB0177 $52K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 37.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 1,503,432.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 235,445.00%
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 60.00%
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 4,940,484.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 330,105.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $6.4M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $566K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 32.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 1,897,890.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 90,500.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Adjustable Rate RL0021 12.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Adjustable Rate RL0022 535,261.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Adjustable Rate RL0023 167,354.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $2.4M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $258K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $141
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $8.9M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $823K
Total Shares SH0013 $30.7M
Total Shares and Deposits SH0018 $30.7M

Flagship Community 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 Flagship Community Federal Credit Union call report?

The Flagship Community 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 Flagship Community Federal Credit Union file?

Flagship Community 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 Flagship Community 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 Flagship Community Federal Credit Union is 13391.

How often does Flagship Community Federal Credit Union file a call report?

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

Flagship Community Federal Credit Union financials and ratios →

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