Skip to main content

Credit union call report ยท Wauwatosa, WI

Focus Credit Union Call Report

BankRegReports is independent of Focus Credit Union and never asks for online banking logins or passwords.

Focus Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 264 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Focus Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number66451
Federal Reserve RSSD ID33192

The official copy: search charter number 66451 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Focus Credit Union call report, Q2 2026

Statement of Financial Condition (32 items)
Focus Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $560K
1c. Total Cash on Hand 730A $560K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $3.0M
2c. Cash on Deposit in Other Financial Institutions 730B2 $49K
2. Cash on Deposit (total) 730B $3.1M
3. Time Deposits in Banks and Credit Unions AS0007 $6.8M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $10.4M
12b. Perpetual Contributed Capital 769B $299K
13. TOTAL OTHER INVESTMENTS AS0017 $299K
14. Loans Held for Sale 003 $342K
15a. Number of Total Loans and Leases 025A 3,967
15b. Total Loans and Leases 025B $45.9M
17. ACL on Loans and Leases AS0048 $289K
18b. Foreclosed/Repossessed - Consumer RE AS0023 $43K
18e. Foreclosed/Repossessed Assets (total) 798A $43K
19. Land and Building 007 $990K
20. Other Fixed Assets 008 $437K
21. NCUA Share Insurance Capitalization Deposit 794 $492K
22d. Accrued Interest on Loans 009A $144K
22e. Accrued Interest on Investments 009B $30K
22f. All Other Assets 009C $2.9M
22g. Total Other Assets AS0036 $3.1M
23. TOTAL ASSETS 010 $61.7M
Accounts Payable and Other Liabilities 825 $541K
Accrued Dividends and Interest Payable 820A $32K
Member Shares of All Types 013 $52.5M
Total Shares and Deposits 018 $52.5M
Undivided Earnings 940 $8.2M
Net Income (equity) 602 $414K
Total Net Worth 997 $8.6M
Net Worth Ratio 998 14.01%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $61.7M
Statement of Income and Expense (23 items)
Focus Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $1.4M
3. Income from Investments 120 $191K
5. TOTAL INTEREST INCOME 115 $1.6M
6. Dividends on Shares 380 $173K
9. TOTAL INTEREST EXPENSE 350 $173K
10. NET INTEREST INCOME IS0010 $1.4M
12a. Credit Loss Expense - Loans and Leases IS0011 $82K
12e. Total Credit Loss Expense IS0017 $82K
13. Fee Income 131 $118K
14. Other Operating Income IS0020 $200K
22. Other Non-Operating Income 440 $25K
23. TOTAL NON-INTEREST INCOME 117 $342K
24. Employee Compensation and Benefits 210 $587K
25. Travel and Conference 230 $14K
26. Office Occupancy 250 $104K
27. Office Operations 260 $140K
28. Educational and Promotional 270 $60K
29. Loan Servicing 280 $108K
30. Professional and Outside Services 290 $247K
32. Operating Fees 320 $4K
33. Miscellaneous Operating Expense 360 $27K
34. TOTAL NON-INTEREST EXPENSE 671 $1.3M
35. NET INCOME 661A $414K
Statement pages - all other filed accounts (23 items)

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

Focus 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 $403K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $38K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $86K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $33K
Loans Granted Year-to-Date 031A $365
Amount of Loans Granted Year-to-Date 031B $8.8M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $226K
Number of current members (not number of accounts) 083 6,437
Number of potential members 084 500,000
Interest Rate of Unsecured Credit Card Loans 521 1,195.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,325.00%
Interest Rate of New Vehicle Loans 523 505.00%
Interest Rate of Used Vehicle Loans 524 722.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $104K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $29K
Total Amount of All Other Shares 630 $4K
Amount of Regular Shares 657 $24.7M
Amount of Share Drafts 902 $13.9M
IRA/KEOGH Accounts - < 1 Year 906A $443K
Share Certificates - < 1 Year 908A $2.6M
Total Amount of Share Certificates 908C $6.9M
Total Amount of Money Market Shares 911 $6.4M
Number of Used Vehicle Loans 968 1,538
NCUA data file FS220A (23 items)

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

Focus Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $48.0M
Total Shares - 1-3 Years 013B1 $4.5M
Total Shares and Deposits - < 1 Year 018A $48.0M
Total Shares and Deposits - 1-3 Years 018B1 $4.5M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 24
Amount of Delinquent Indirect Loans 041E $70K
Effective date of last audit 063 $92K
Amount of Used Vehicle Loans 370 $25.5M
Amount of New Vehicle Loans 385 $9.5M
Amount of Unsecured Credit Card Loans 396 $2.5M
Amount of All Other Unsecured Loans/Lines of Credit 397 $1.5M
Share Certificates 451 $238
Number of Accounts for Share Drafts 452 2,483
IRA/KEOGH Accounts 453 $100
Number of Accounts for Regular Shares 454 9,352
All other shares 455 $36
Money Market Shares 458 $188
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 12,397
Number of credit union employees who are Full-Time (26 hours or more) 564A 11
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 3
Number of Outstanding Indirect Loans 617A 1,114
Total Amount of Outstanding Indirect Loans 618A $20.0M
Total credit lines 881 $10.0M
NCUA data file FS220B (24 items)

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

Focus 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 $22K
Number - Total Delinquent Credit Card Loans 045A 7
Total Amount of Delinquent Unsecured Credit Card Loans 045B $50K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $2.9M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $2.9M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $49.6M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $122K
All other shares - < 1 Year 630A $4K
Amount of Regular Shares - < 1 Year 657A $24.7M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $27K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $15K
Amount of Share Drafts - < 1 Year 902A $13.9M
IRA/KEOGH Accounts - 1-3 Years 906B1 $193K
Total Amount of IRA/KEOGH Accounts 906C $636K
Share Certificates - 1-3 Years 908B1 $4.3M
Money Market Shares - < 1 Year 911A $6.4M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $191K
Number of New Vehicle Loans 958 373
Total Shares 966 $12K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $71K
Number of Unsecured Credit Card Loans 993 1,162
Number of All Other Unsecured Loans/Lines of Credit 994 590
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 14
NCUA data file FS220C (6 items)

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

Focus 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 $4
Total Amount of Indirect Loans Charged Off Year-to-Date 550E $14K
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $6K
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 $3.3M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $104K
NCUA data file FS220D (25 items)

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

Focus Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union provide member services through a credit union shared branch services center? 566A $1
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Online Financial Literacy 879B7 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $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
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
CU offer Shared service network PP0058 $1
NCUA data file FS220G (6 items)

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

Focus Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Outstanding Amount of Participation Loans Purchased By Type 691L $2.3M
Outstanding Amount of Real Estate Participation Loans Purchased 691L2 $2.3M
Total Value of Investments in CUSOs 851 $371K
Total Amount Loaned to CUSOs 852 $60K
Total Aggregate Cash Outlay in CUSOs 853 $431K
Total Credit Lines at Corporate Credit Unions 884 $10.0M
NCUA data file FS220H (3 items)

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

Focus Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $8.2M
Total number of TDR loans outstanding 1000F $6
Total amount of TDR loans outstanding 1001F $112K
NCUA data file FS220I (12 items)

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

Focus Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $13K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $283K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $20K
Amount of New Vehicle Loans Delinquent 180 to 359 days 022C1 $18K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $37K
Number of Reportable Delinquent New Vehicle Loans 035E1 1
Number of Reportable Delinquent Used Vehicle Loans 035E2 9
Amount of Reportable Delinquent New Vehicle Loans 041C1 $18K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $118K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $23K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $9K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $4K
NCUA data file FS220J (2 items)

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

Focus Credit Union, NCUA data file FS220J, Q2 2026
Line item Account Q2 2026
Other Assets - Other Insurance 789E2 $1.1M
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $1.1M
NCUA data file FS220L (8 items)

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

Focus Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $4K
Total Amount of Loans & Leases on Loan Schedule 025B1 $45.9M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $4.5M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 686.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 599.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 400.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $24K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $2.5M
NCUA data file FS220M (8 items)

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

Focus 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 $3.0M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $2.0M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $2.1M
Total Unfunded Commitments for Non-Commercial Loans 816T $8.2M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $1.1M
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 105
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 154
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 45
NCUA data file FS220N (2 items)

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

Focus Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Total Liabilities LI0069 $53.1M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $61.7M
NCUA data file FS220P (17 items)

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

Focus 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 $31K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $4K
Loan Loss Information - YTD Charge Offs - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien CH0019 $23K
Loan Loss Information - YTD Recoveries - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien CH0020 $429
Unsecured Credit Card Loans DL0002 $25K
All Other Unsecured Loans/Lines of Credit DL0022 $30K
All Other Unsecured Loans/Lines of Credit DL0023 $16K
All Other Unsecured Loans/Lines of Credit DL0024 $15K
All Other Unsecured Loans/Lines of Credit DL0025 $9K
All Other Unsecured Loans/Lines of Credit DL0027 $41K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $7
Used Vehicle Loans DL0037 $61K
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $44K
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $102K
Amount of Consumer Loans in Non-Accrual Status DL0145 $99K
Number of Indirect Loans - New and Used Vehicle Loans IN0001 1,114
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $20.0M
NCUA data file FS220Q (15 items)

investment portfolio detail (69%)

Focus Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $2.2M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $4.5M
Investment Maturity Distribution - Time Deposits - Total NV0116 $6.8M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $299K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $299K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $2.2M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $4.5M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $299K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $7.0M
RBC Total Equity RB0001 $8.6M
RBC Allowance for Credit Losses RB0002 $289K
RBC Total Additions RB0005 $289K
RBC Total Deductions RB0009 $492K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $8.4M
RBC Risk-Based Capital Numerator RB0012 $8.4M
NCUA data file FS220R (34 items)

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

Focus Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $299K
RBC Schedule Total Consumer Loans RB0060 $39.0M
RBC Adjustments to Loans Held for Sale RB0075 -$342K
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $289K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $289K
RBC Schedule Total Loans RB0079 $46.0M
RBC Adjustments to Total Loans RB0080 -$342K
RBC Total for Risk Weighting Total Loans RB0081 -$289K
RBC Total Loans 0% Weight RB0082 -$289K
RBC Schedule Total Other Assets RB0088 $5.1M
RBC Total for Risk Weighting Other Assets RB0090 $492K
RBC Other Assets 0% Weight RB0091 $492K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $61.7M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $203K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $203K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $61.7M
RBC Allowance for Credit Losses (Loans) RB0177 $289K
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 105.00%
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 2,485,222.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 222,267.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $2.5M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $222K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 154.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 4,457,214.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 286,166.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $4.5M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $286K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $259
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $6.9M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $508K
Total Shares SH0013 $52.5M
Total Shares and Deposits SH0018 $52.5M
Number of Outstanding Loans Purchased from Other Financial Institutions SL0018 106
Amount of Outstanding Loans Purchased from Other Financial Institutions SL0019 $2.3M
NCUA data file FS220S (1 item)

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

Focus Credit Union, NCUA data file FS220S, Q2 2026
Line item Account Q2 2026
Located in Metropolitan Statistical Area (MSA) PR0001 $1

Focus 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 Focus Credit Union call report?

The Focus 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 Focus Credit Union file?

Focus 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 Focus 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 Focus Credit Union is 66451.

How often does Focus Credit Union file a call report?

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

Focus Credit Union financials and ratios →

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