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Credit union call report ยท Gainesville, FL

Florida Credit Union Call Report

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Florida Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 485 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Florida Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number60497
Federal Reserve RSSD ID577799

The official copy: search charter number 60497 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Florida Credit Union call report, Q2 2026

Statement of Financial Condition (40 items)
Florida Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $7.7M
1c. Total Cash on Hand 730A $7.7M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $6K
2b. Cash on Deposit in Federal Reserve Bank AS0003 $380.4M
2c. Cash on Deposit in Other Financial Institutions 730B2 $553K
2. Cash on Deposit (total) 730B $380.9M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $388.6M
6. Equity Securities AS0055 $341K
11. TOTAL INVESTMENT SECURITIES AS0013 $341K
12c. All Other Investments AS0016 $3.7M
13. TOTAL OTHER INVESTMENTS AS0017 $3.7M
14. Loans Held for Sale 003 $529K
15a. Number of Total Loans and Leases 025A 168,033
15b. Total Loans and Leases 025B $2.29B
17. ACL on Loans and Leases AS0048 $25.7M
18b. Foreclosed/Repossessed - Consumer RE AS0023 $54K
18c. Foreclosed/Repossessed - Vehicles AS0024 $3.5M
18e. Foreclosed/Repossessed Assets (total) 798A $3.6M
19. Land and Building 007 $66.9M
20. Other Fixed Assets 008 $9.6M
21. NCUA Share Insurance Capitalization Deposit 794 $19.8M
22b. Mortgage Servicing Rights 779 $2.0M
22d. Accrued Interest on Loans 009A $9.0M
22e. Accrued Interest on Investments 009B $228K
22f. All Other Assets 009C $42.9M
22g. Total Other Assets AS0036 $54.1M
23. TOTAL ASSETS 010 $2.81B
Accounts Payable and Other Liabilities 825 $36.4M
Accrued Dividends and Interest Payable 820A $874K
ACL on Off-Balance-Sheet Exposures LI0003 $24K
Borrowings (total) 860C $40.0M
Member Shares of All Types 013 $2.32B
Nonmember Deposits 880 $58.4M
Total Shares and Deposits 018 $2.38B
Undivided Earnings 940 $334.4M
Other Reserves 658 $2.5M
Net Income (equity) 602 $19.9M
Total Net Worth 997 $356.9M
Net Worth Ratio 998 12.70%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $2.81B
Statement of Income and Expense (28 items)
Florida Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $75.3M
3. Income from Investments 120 $7.4M
5. TOTAL INTEREST INCOME 115 $82.7M
6. Dividends on Shares 380 $3.3M
7. Interest on Deposits 381 $26.7M
8. Interest on Borrowed Money 340 $825K
9. TOTAL INTEREST EXPENSE 350 $30.9M
10. NET INTEREST INCOME IS0010 $51.8M
12a. Credit Loss Expense - Loans and Leases IS0011 $12.1M
12d. Credit Loss Expense - Off-Balance-Sheet IS0016 $3K
12e. Total Credit Loss Expense IS0017 $12.1M
13. Fee Income 131 $10.4M
14. Other Operating Income IS0020 $11.2M
15. Gain (Loss) on Equity/Trading Securities IS0046 $97K
18. Gain (Loss) on Disposition of Fixed Assets 430 -$2K
19. Gain (Loss) on Sale of Loans IS0029 -$2.1M
23. TOTAL NON-INTEREST INCOME 117 $19.6M
24. Employee Compensation and Benefits 210 $18.2M
25. Travel and Conference 230 $406K
26. Office Occupancy 250 $2.1M
27. Office Operations 260 $7.1M
28. Educational and Promotional 270 $2.6M
29. Loan Servicing 280 $3.7M
30. Professional and Outside Services 290 $4.8M
32. Operating Fees 320 $149K
33. Miscellaneous Operating Expense 360 $259K
34. TOTAL NON-INTEREST EXPENSE 671 $39.4M
35. NET INCOME 661A $19.9M
Statement pages - all other filed accounts (25 items)

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

Florida 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 $20.9M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $6.8M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $2.2M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $961K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $1.3M
Loans Granted Year-to-Date 031A $32K
Amount of Loans Granted Year-to-Date 031B $527.1M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $18.2M
Number of current members (not number of accounts) 083 185,862
Number of potential members 084 6,065,402
Net Member Business Loan Balance 400A $282.6M
Non-Member Deposits 457 $8
Interest Rate of Unsecured Credit Card Loans 521 1,483.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,406.00%
Interest Rate of New Vehicle Loans 523 612.00%
Interest Rate of Used Vehicle Loans 524 783.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $14.2M
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $3.0M
Amount of Regular Shares 657 $363.1M
Amount of Share Drafts 902 $532.6M
IRA/KEOGH Accounts - < 1 Year 906A $79.7M
Share Certificates - < 1 Year 908A $1.21B
Total Amount of Share Certificates 908C $1.28B
Total Amount of Money Market Shares 911 $55.0M
Number of Used Vehicle Loans 968 33,176
NCUA form-section FS220A (29 items)

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

Florida Credit Union, NCUA form-section FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $2.24B
Total Shares - 1-3 Years 013B1 $79.3M
Total Shares - > 3 Years 013B2 $1.5M
Total Shares and Deposits - < 1 Year 018A $2.28B
Total Shares and Deposits - 1-3 Years 018B1 $97.4M
Total Shares and Deposits - > 3 Years 018B2 $1.5M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 2,284
Amount of Delinquent Indirect Loans 041E $4.5M
Effective date of last audit 063 $92K
Amount of Used Vehicle Loans 370 $694.8M
Amount of New Vehicle Loans 385 $693.3M
Amount of Unsecured Credit Card Loans 396 $103.9M
Amount of All Other Unsecured Loans/Lines of Credit 397 $92.4M
Share Certificates 451 $27K
Number of Accounts for Share Drafts 452 134,498
IRA/KEOGH Accounts 453 $4K
Number of Accounts for Regular Shares 454 197,667
Money Market Shares 458 $2K
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 364,714
Number of credit union employees who are Full-Time (26 hours or more) 564A 320
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 16
Number of Outstanding Indirect Loans 617A 39,082
Total Amount of Outstanding Indirect Loans 618A $1.02B
Amount of real estate loans sold but serviced by the credit union 779A $186.3M
Total credit lines 881 $1.16B
Draws against lines of credit, less than 1 year 883A $30.0M
Draws against lines of credit, 1 to 3 years 883B1 $10.0M
Draws against lines of credit, total amount 883C $40.0M
High School Number of Branches PP0031 $1
NCUA form-section FS220B (30 items)

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

Florida Credit Union, NCUA form-section 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 $1.7M
Number - Total Delinquent Credit Card Loans 045A 611
Total Amount of Delinquent Unsecured Credit Card Loans 045B $2.4M
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $287.7M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $287.7M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $2.09B
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $92K
Amount of Regular Shares - < 1 Year 657A $363.1M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $2.4M
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $374K
Total Amount of All First Mortgage Loans which have been sold in the secondary market year-to-date 736 $12.8M
Total Borrowings - < 1 Year 860A $30.0M
Total Borrowings - 1-3 Years 860B1 $10.0M
Non-Member Deposits - < 1 Year 880A $40.3M
Non-Member Deposits - 1-3 Years 880B1 $18.1M
Is your credit union a member of a Federal Home Loan Bank? 896 $1
Amount of Share Drafts - < 1 Year 902A $532.6M
IRA/KEOGH Accounts - 1-3 Years 906B1 $4.2M
IRA/KEOGH Accounts - > 3 Years 906B2 $32K
Total Amount of IRA/KEOGH Accounts 906C $83.9M
Share Certificates - 1-3 Years 908B1 $75.1M
Share Certificates - > 3 Years 908B2 $1.4M
Money Market Shares - < 1 Year 911A $55.0M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $389K
Number of New Vehicle Loans 958 22,891
Total Shares 966 $365K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $2.8M
Number of Unsecured Credit Card Loans 993 43,939
Number of All Other Unsecured Loans/Lines of Credit 994 58,662
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 21
NCUA form-section FS220C (6 items)

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

Florida 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 $4.5M
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $966K
Number of credit union branches (include the main office if member services are conducted at that location) 566 16
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $823.4M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $36.0M
NCUA form-section FS220D (33 items)

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

Florida Credit Union, NCUA form-section FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union plan to add any new branches or expand existing facilities in the next 12 months? 566B $1
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Financial Education 879B2 $1
First Time Homebuyer Program 879B4 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Mortgage Processing 879G $1
Approved Mortgage Seller 879H $1
Brokered Deposits (All deposits acquired through a third party) 879T $1
International Remittances 879V $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
New Share Account 887E $1
Loan Payments 887F $1
Bill Payment 887J $1
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
High School PP0030 $1
Offer Non-Custodial Accounts PP0033 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA form-section FS220G (4 items)

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

Florida Credit Union, NCUA form-section FS220G, Q2 2026
Line item Account Q2 2026
Total Outstanding Amount of Participation Loans Sold By Type 691N $73.9M
Total Value of Investments in CUSOs 851 $1.1M
Total Aggregate Cash Outlay in CUSOs 853 $1.1M
Assets Pledged to Secure Borrowings 878 $1.72B
NCUA form-section FS220H (3 items)

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

Florida Credit Union, NCUA form-section FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $405.4M
Total number of TDR loans outstanding 1000F $266
Total amount of TDR loans outstanding 1001F $2.1M
NCUA form-section FS220I (19 items)

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

Florida Credit Union, NCUA form-section FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $4.9M
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $10.9M
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $605K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $2.0M
Amount of New Vehicle Loans Delinquent 180 to 359 days 022C1 $260K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $804K
Number of Reportable Delinquent New Vehicle Loans 035E1 94
Number of Reportable Delinquent Used Vehicle Loans 035E2 368
Amount of Reportable Delinquent New Vehicle Loans 041C1 $2.1M
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $5.8M
Amount of New Vehicle Loans YTD Charge Offs 550C1 $2.0M
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $5.7M
Amount of New Vehicle Loans YTD Recoveries 551C1 $543K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $1.5M
Commercial Share Accounts 643 $199.1M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $386K
Draws Against LOCs from FHLB 885A3 $40.0M
Total Draws Againts LOCs 885A4 $40.0M
Number of International Remittances originated Year-to-Date 928 24
NCUA form-section FS220J (2 items)

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

Florida Credit Union, NCUA form-section FS220J, Q2 2026
Line item Account Q2 2026
Other Assets - Split Dollar Life Insurance Arrangements Endorsement - Endorsement 789E1 $526K
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $526K
NCUA form-section FS220L (40 items)

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

Florida Credit Union, NCUA form-section FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $168K
Total Amount of Loans & Leases on Loan Schedule 025B1 $2.29B
Total number of commercial loans to members granted or purchased YTD 090A1 $14
Number of Member Unsecured Revolving Lines of Credit granted for Commercial Purposes granted or purchased YTD 090C6 9
Number of member commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090H2 2
Number of member commercial loans Secured by Non-Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090J2 1
Total Number of member commercial real estate secured loans granted or purchased YTD 090K2 $3
Number of Member Commercial and industrial loans granted or purchased YTD 090L2 2
Number of member construction and development commercial loans 143A3 3
Outstanding balance of member construction and development commercial loans 143B3 $9.4M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $110.5M
Amount of All Other Real Estate Loans/Lines of Credit 386B $2.3M
Total outstanding balance of commercial loans to members 400A1 $288.8M
Outstanding balance of Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 400C6 $447K
Outstanding balance of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 400H2 $62.2M
Outstanding balance of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 400J2 $199.2M
Outstanding balance of Member Commercial and Industrial loans 400L2 $628K
Outstanding balance of member commercial loans Secured Multifamily Property 400M $17.0M
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $1.1M
Outstanding balance of all member and non-member commercial loans 400T1 $288.8M
Total Dollar amount of member commercial loans granted or purchased YTD 475A1 $2.0M
Dollar Amount of Member Commercial Unsecured Revolving Lines of Credit Granted or purchased YTD 475C6 $109K
Dollar Amount of Member Commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 475H2 $972K
Dollar Amount of Member Commercial loans Secured by Non-Owner Occupied Non-Farm, Non-Residential Property granted or purchased YTD 475J2 $900K
Total Dollar amount of real estate secured member commercial loans granted or purchased YTD 475K2 $1.9M
Dollar Amount of Member Commercial and Industrial loans granted or purchased YTD 475L2 $62K
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 600.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 986.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 764.00%
Interest Rate of All Other Real Estate Loans/Lines of Credit 562B 879.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 689.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 809.00%
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Sold 691N8 $73.9M
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $89.0M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $214.5M
Balance Outstanding of 1st Mtg Residential construction Loans - Excluding Commercial Purpose 704A2 $4.2M
Total Outstanding Balance of real estate secured member commercial loans 718A3 $287.7M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $287.7M
Amount of Outstanding commercial participations sold but retained servicing (including unfunded commitments) 1061 $73.5M
Number of Outstanding commercial participations sold but retained servicing (including unfunded commitments) 1061A 13
NCUA form-section FS220M (21 items)

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

Florida 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 $74.3M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $221.9M
Total Unfunded Commitments for Commercial Loans 814K $7.0M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $58.8M
Total Other Unfunded Commitments (Non-Commercial) 816B5 $219K
Total Unfunded Commitments for Non-Commercial Loans 816T $398.4M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $43.2M
Total number of member commercial loans 900A1 $276
Number of Member Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 900C6 75
Number of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 900H2 82
Number of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 900J2 87
Total number of real estate secured member commercial loans 900K2 $191
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 191
Number of Member Commercial and Industrial loans 900L2 10
Number of member commercial loans Secured by Multifamily Property 900M 19
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 85
Total Number of Member and Nonmember commercial loans 900T1 $276
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 2,135
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 2,732
Number of All Other Real Estate Loans/Lines of Credit 960B 49
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 4,173
NCUA form-section FS220N (4 items)

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

Florida Credit Union, NCUA form-section FS220N, Q2 2026
Line item Account Q2 2026
Equity Securities > 10 Years AS0054 $341K
Total Liabilities LI0069 $2.45B
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $43K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $2.81B
NCUA form-section FS220P (50 items)

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

Florida 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 $3.3M
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $476K
Loan Loss Information - YTD Charge Offs - All Other Secured Non-Real Estate Loans/Lines of Credit CH0015 $634K
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $172K
Loan Loss Information - YTD Recoveries - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien CH0018 $2K
Loan Loss Information - YTD Charge Offs - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien CH0019 $185K
Loan Loss Information - YTD Recoveries - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien CH0020 $5K
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $269.9M
Unsecured Credit Card Loans DL0002 $741K
All Other Unsecured Loans/Lines of Credit DL0022 $1.6M
All Other Unsecured Loans/Lines of Credit DL0023 $828K
All Other Unsecured Loans/Lines of Credit DL0024 $1.5M
All Other Unsecured Loans/Lines of Credit DL0026 $5K
All Other Unsecured Loans/Lines of Credit DL0027 $2.4M
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $1K
New Vehicle Loans DL0030 $1.3M
Used Vehicle Loans DL0037 $3.1M
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $754K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $312K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $228K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0053 $203K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $744K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $39
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $277K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $1.9M
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $721K
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0060 $353K
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0061 $641K
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 $3.6M
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 $43
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $1.2M
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0065 $94K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0066 $115K
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0067 $577K
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0068 $316K
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 $1.1M
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 $17
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $8.2M
Amount of Consumer Loans in Non-Accrual Status DL0145 $9.9M
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Number of Modified Loans DL0148 $48
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Amount of Modified Loans DL0149 $302K
Number of Indirect Loans - New and Used Vehicle Loans IN0001 36,901
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $978.3M
Number of Indirect Loans - All Other Loans IN0007 2,181
Amount of Indirect Loans - All Other Loans IN0008 $44.1M
Off-Balance Sheet Exposures - Totally Unconditionally Cancelable Unfunded Commitments for All Loan Types LQ0013 $400.0M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Commercial Loans LQ0014 $1.2M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Secured and Real Estate LQ0015 $4.2M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Unsecured LQ0016 $6K
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments -Total LQ0017 $5.4M
NCUA form-section FS220Q (24 items)

investment portfolio detail (69%)

Florida Credit Union, NCUA form-section FS220Q, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Line of Credit Limit - Federal Home Loan Bank LQ0040 $281.9M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Federal Home Loan Bank LQ0043 $449.9M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - FRB LQ0047 $1.27B
Total Borrowings LQ0860 $40.0M
Trading Investments - Equity Securities - Common Stock NV0106 $341K
Trading Investments - Equity Securities - Total Equity Securities NV0109 $341K
Total Trading Debt and Equity Securities NV0110 $341K
Investment Maturity Distribution - Equity Securities - Total NV0122 $341K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $3.7M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $3.7M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $3.7M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $341K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $4.1M
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Endorsement - Cash Surrender Value NV0173 $526K
RBC Total Equity RB0001 $356.9M
RBC Allowance for Credit Losses RB0002 $25.7M
RBC Total Additions RB0005 $25.7M
RBC Total Deductions RB0009 $19.8M
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $362.9M
RBC Risk-Based Capital Numerator RB0012 $362.9M
RBC Total for Risk Weighting Cash and Deposits in Financial Institutions or Reserve Banks RB0014 $388.6M
RBC Cash and Deposits in Financial Institutions or Reserve Banks 0% Weight RB0015 $388.6M
RBC Total for Risk Weighting Securities RB0019 $341K
RBC Securities 20% Weight RB0021 $341K
NCUA form-section FS220R (117 items)

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

Florida Credit Union, NCUA form-section FS220R, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Total Borrowing Capacity at Federal Reserve Bank LQ0061 $876.0M
CCULR Off-Balance sheet exposures LR0002 $5.4M
CCULR Off-Balance sheet exposures ratio LR0003 19.00%
CECL Transition Provision (as determined under 702.703(c)) NW0004 $14K
RBC Total for Risk Weighting Other Investments RB0029 $3.7M
RBC Other Investments 0% Weight RB0030 $3.7M
RBC Schedule Total Investments RB0039 $4.1M
RBC Total for Risk Weighting Total Investments RB0041 $4.1M
RBC Total Investments 0% Weight RB0042 $3.7M
RBC Total Investments 20% Weight RB0043 $341K
RBC Adjustments to First Lien Residential Real Estate Loans RB0051 $529K
RBC Total for Risk Weighting First Lien Residential Real Estate Loans RB0052 $215.1M
RBC First Lien Residential Real Estate Loans 50% Weight RB0053 $213.4M
RBC First Lien Residential Real Estate Loans 100% Weight RB0055 $1.7M
RBC Total for Risk Weighting Junior Lien Residential Real Estate Loans RB0057 $110.5M
RBC Junior Lien Residential Real Estate Loans 100% Weight RB0058 $109.5M
RBC Junior Lien Residential Real Estate Loans 150% Weight RB0059 $1.0M
RBC Schedule Total Consumer Loans RB0060 $1.68B
RBC Total for Risk Weighting Consumer Loans RB0062 $1.68B
RBC Consumer Loans 0% Weight RB0063 $1.3M
RBC Consumer Loans 75% Weight RB0065 $1.47B
RBC Consumer Loans 100% Weight RB0066 $193.1M
RBC Consumer Loans 150% Weight RB0067 $7.3M
RBC Schedule Total Commercial Loans RB0068 $288.8M
RBC Total for Risk Weighting Commercial Loans RB0070 $288.8M
RBC Commercial Loans 100% Weight RB0073 $288.8M
RBC Adjustments to Loans Held for Sale RB0075 -$529K
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $25.7M
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $25.7M
RBC Schedule Total Loans RB0079 $2.26B
RBC Total for Risk Weighting Total Loans RB0081 $2.26B
RBC Total Loans 0% Weight RB0082 -$24.4M
RBC Total Loans 50% Weight RB0084 $213.4M
RBC Total Loans 75% Weight RB0085 $1.47B
RBC Total Loans 100% Weight RB0086 $593.1M
RBC Total Loans 150% Weight RB0087 $8.3M
RBC Schedule Total Other Assets RB0088 $154.0M
RBC Total for Risk Weighting Other Assets RB0090 $154.0M
RBC Other Assets 0% Weight RB0091 $19.8M
RBC Other Assets 100% Weight RB0092 $132.2M
RBC Other Assets 250% Weight RB0094 $2.0M
RBC Total from Schedule On-Balance Sheet Assets RB0099 $2.81B
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $2.81B
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $387.7M
RBC Total Risk Weighted On-Balance Sheet Assets 20% Weight RB0102 $341K
RBC Total Risk Weighted On-Balance Sheet Assets 50% Weight RB0103 $213.4M
RBC Total Risk Weighted On-Balance Sheet Assets 75% Weight RB0104 $1.47B
RBC Total Risk Weighted On-Balance Sheet Assets 100% Weight RB0105 $725.4M
RBC Total Risk Weighted On-Balance Sheet Assets 150% Weight RB0106 $8.3M
RBC Total Risk Weighted On-Balance Sheet Assets 250% Weight RB0107 $2.0M
RBC Schedule Total Risk Weighted Assets - On-Balance Sheet RB0112 $1.96B
RBC Total Risk Weighted Assets - On-Balance Sheet 20% Weight RB0113 $68K
RBC Total Risk Weighted Assets On-Balance Sheet 50% Weight RB0114 $106.7M
RBC Total Risk Weighted Assets On-Balance Sheet 75% Weight RB0115 $1.11B
RBC Total Risk Weighted Assets On-Balance Sheet 100% Weight RB0116 $725.4M
RBC Total Risk Weighted Assets On-Balance Sheet 150% Weight RB0117 $12.4M
RBC Total Risk Weighted Assets On-Balance Sheet 250% Weight RB0118 $5.0M
RBC Unfunded Commitment Commercial Loans Credit Equivalent Amount RB0123 $622K
RBC Unfunded Commitment Commercial Loans 100% Weight RB0124 $622K
RBC Unfunded Commitment Secured Consumer Loans Credit Equivalent Amount RB0125 $416K
RBC Unfunded Commitment Secured Consumer Loans 75% Weight RB0127 $416K
RBC Unfunded Commitment Unsecured Consumer Loans Credit Equivalent Amount RB0129 $632
RBC Unfunded Commitment Unsecured Consumer Loans 100% Weight RB0130 $632
RBC Total Off-Balance Sheet and Derivative Credit Equivalent Amount RB0153 $1.0M
RBC Total Off-Balance Sheet and Derivative 75% Weight RB0159 $416K
RBC Total Off-Balance Sheet and Derivative 100% Weight RB0160 $622K
RBC Total Risk-Weighted Assets Off-Balance-Sheet and Derivative RB0162 $934K
RBC Total Risk-Weighted Assets Off-Balance-Sheet and Derivative 75% Weight RB0167 $312K
RBC Total Risk-Weighted Assets Off-Balance-Sheet and Derivative 100% Weight RB0168 $622K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $2.81B
RBC Total Risk-Weighted Assets RB0171 $1.96B
RBC Total Risk Based Capital Ratio RB0172 1,855.00%
RBC Allowance for Credit Losses (Loans) RB0177 $25.7M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 284.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 18,542,058.00%
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 407.00%
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 14,740,648.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 2,740,003.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid >5 Years RL0007 $101
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0008 $7.0M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0010 $844
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0011 $147.2M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Balloon/Hybrid 5 Years or Less RL0012 $24.1M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 499.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 27,134,916.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Adjustable Rate RL0015 9,905,274.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $214.5M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $36.8M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 247.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 12,022,103.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 2,340,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Fixed Rate RL0024 938.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Fixed Rate RL0025 29,088,235.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Fixed Rate RL0026 3,157,950.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 1,547.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 69,386,899.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 14,239,824.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $110.5M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $19.7M
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Number of Loans Outstanding RL0032 49.00%
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Amount of Loans Outstanding RL0033 2,323,293.00%
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Amount of Loans Granted YTD RL0034 359,600.00%
All Other (Non-commercial) Real Estate - Amount of Loans Outstanding - Total RL0044 $2.3M
All Other (Non-commercial) Real Estate - Amount of Loans Granted YTD - Total RL0045 $360K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $5K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $327.4M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $56.9M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $248.3M
Total Shares SH0013 $2.32B
Total Shares and Deposits SH0018 $2.38B
Total Non-Member Deposits SH0880 $58.4M
Number of Loans Sold, Year-to-date SL0022 60
Amount of Loans Sold, Year-to-date SL0023 $12.8M
Number of First Mortgage loans sold on the secondary market, Year-to-date SL0024 60
Number of Real Estate Loans Sold with Servicing Retained, Year-to-date SL0028 28
Amount of Real Estate Loans Sold with Servicing Retained, Year-to-date SL0029 $6.4M
Number of Outstanding Real Estate Loans Sold with Servicing Retained SL0030 1,489
NCUA form-section FS220S (10 items)

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

Florida Credit Union, NCUA form-section FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Auto Lending PP0038 $1
Mortgage Lending PP0039 $1
Secured personal loans PP0040 $1
Unsecured personal loans PP0041 $1
Person-to-Person payments PP0045 $1
Communication PP0047 $1
Located in Metropolitan Statistical Area (MSA) PR0001 $1
home purchase loan or refinanced a home purchase loan PR0002 $1
Originated closed-end mortgages in each of the two preceding calendar years or originated open-end lines of credit in each of the two preceding calendar years in excess of the HMDA Loan-Volume Threshold? PR0003 $1

Florida 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 Florida Credit Union call report?

The Florida 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 Florida Credit Union file?

Florida 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 Florida 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 Florida Credit Union is 60497.

How often does Florida Credit Union file a call report?

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

Florida Credit Union financials and ratios →

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