Skip to main content

Credit union call report ยท Roslyn, NY

The Heart Center Federal Credit Union Call Report

BankRegReports is independent of The Heart Center Federal Credit Union and never asks for online banking logins or passwords.

The Heart Center Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 231 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

The Heart Center Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number22456
Federal Reserve RSSD ID602383

The official copy: search charter number 22456 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

The Heart Center Federal Credit Union call report, Q2 2026

Statement of Financial Condition (28 items)
The Heart Center Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
2a. Cash on Deposit in Corporate Credit Unions 730B1 $321K
2c. Cash on Deposit in Other Financial Institutions 730B2 $1.3M
2. Cash on Deposit (total) 730B $1.6M
3. Time Deposits in Banks and Credit Unions AS0007 $274K
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $1.9M
9. Held-to-Maturity Debt Securities AS0073 $7.7M
10a. ACL on Held-to-Maturity Debt Securities AS0041 $13K
11. TOTAL INVESTMENT SECURITIES AS0013 $7.7M
12b. Perpetual Contributed Capital 769B $13K
13. TOTAL OTHER INVESTMENTS AS0017 $13K
15a. Number of Total Loans and Leases 025A 797
15b. Total Loans and Leases 025B $10.6M
17. ACL on Loans and Leases AS0048 $56K
20. Other Fixed Assets 008 $12K
21. NCUA Share Insurance Capitalization Deposit 794 $170K
22d. Accrued Interest on Loans 009A $8K
22e. Accrued Interest on Investments 009B $40K
22f. All Other Assets 009C $44K
22g. Total Other Assets AS0036 $92K
23. TOTAL ASSETS 010 $20.4M
Accounts Payable and Other Liabilities 825 $7K
Accrued Dividends and Interest Payable 820A $35K
Member Shares of All Types 013 $17.2M
Total Shares and Deposits 018 $17.2M
Undivided Earnings 940 $3.2M
Total Net Worth 997 $3.2M
Net Worth Ratio 998 15.69%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $20.4M
Statement of Income and Expense (21 items)
The Heart Center Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $318K
3. Income from Investments 120 $135K
5. TOTAL INTEREST INCOME 115 $452K
6. Dividends on Shares 380 $76K
9. TOTAL INTEREST EXPENSE 350 $76K
10. NET INTEREST INCOME IS0010 $377K
12a. Credit Loss Expense - Loans and Leases IS0011 $9K
12e. Total Credit Loss Expense IS0017 $9K
13. Fee Income 131 $42K
14. Other Operating Income IS0020 $4K
23. TOTAL NON-INTEREST INCOME 117 $46K
24. Employee Compensation and Benefits 210 $194K
25. Travel and Conference 230 $1K
27. Office Operations 260 $50K
28. Educational and Promotional 270 $2K
29. Loan Servicing 280 $15K
30. Professional and Outside Services 290 $19K
32. Operating Fees 320 $2K
33. Miscellaneous Operating Expense 360 $42K
34. TOTAL NON-INTEREST EXPENSE 671 $325K
35. NET INCOME 661A $88K
Statement pages - all other filed accounts (22 items)

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

The Heart Center 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 $23K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $105K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $19K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $64K
Loans Granted Year-to-Date 031A $149
Amount of Loans Granted Year-to-Date 031B $2.4M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $219K
Number of current members (not number of accounts) 083 2,592
Number of potential members 084 3,500
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 790.00%
Interest Rate of New Vehicle Loans 523 425.00%
Interest Rate of Used Vehicle Loans 524 474.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $9K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $100
Amount of Regular Shares 657 $9.3M
Balance Outstanding of All Interest Only & Payment Option 1st Mortgage Loans. 704C1 $31K
Amount of Share Drafts 902 $1.4M
IRA/KEOGH Accounts - < 1 Year 906A $71K
Share Certificates - < 1 Year 908A $622K
Total Amount of Share Certificates 908C $4.0M
Total Amount of Money Market Shares 911 $2.5M
Number of Used Vehicle Loans 968 245
NCUA data file FS220A (18 items)

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

The Heart Center Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $13.8M
Total Shares - 1-3 Years 013B1 $3.4M
Total Shares and Deposits - < 1 Year 018A $13.8M
Total Shares and Deposits - 1-3 Years 018B1 $3.4M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 22
Effective date of last audit 063 $42K
Amount of Used Vehicle Loans 370 $3.8M
Amount of New Vehicle Loans 385 $1.6M
Amount of All Other Unsecured Loans/Lines of Credit 397 $2.6M
Share Certificates 451 $204
Number of Accounts for Share Drafts 452 785
IRA/KEOGH Accounts 453 $10
Number of Accounts for Regular Shares 454 3,038
Money Market Shares 458 $181
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 4,218
Number of credit union employees who are Full-Time (26 hours or more) 564A 2
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 1
Total credit lines 881 $2.5M
NCUA data file FS220B (15 items)

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

The Heart Center 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 $103K
Total Uninsured Shares and Deposits > $250K (F+J) 068A $103K
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $17.1M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $122K
Amount of Regular Shares - < 1 Year 657A $9.3M
Fair value of Held to Maturity Securities 801 $7.4M
Amount of Share Drafts - < 1 Year 902A $1.4M
Total Amount of IRA/KEOGH Accounts 906C $71K
Share Certificates - 1-3 Years 908B1 $3.4M
Money Market Shares - < 1 Year 911A $2.5M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $163K
Number of New Vehicle Loans 958 79
Total Shares 966 $4K
Number of All Other Unsecured Loans/Lines of Credit 994 436
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 7
NCUA data file FS220C (4 items)

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

The Heart Center 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 $4
Number of credit union branches (include the main office if member services are conducted at that location) 566 1
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $2.1M
Outstanding balance of brokered certificates of deposit and share certificates 788 $5.6M
NCUA data file FS220D (13 items)

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

The Heart Center Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
No Cost Share Drafts 879A4 $1
Financial Counseling 879B1 $1
No Cost Bill Payer 879C2 $1
Deposits and Shares Meeting 703.10(a) 879M $1
Brokered Certificates of Deposits 879N $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
Informational Website PI0007 $1
Online Banking PI0009 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA data file FS220G (2 items)

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

The Heart Center Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Number of Outstanding Int Only & Payment Option 1st Mtg Loans 704C2 1
Total Credit Lines at Corporate Credit Unions 884 $2.5M
NCUA data file FS220H (1 item)

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

The Heart Center Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $597K
NCUA data file FS220I (7 items)

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

The Heart Center 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 $4K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $2K
Amount of Used Vehicle Loans Delinquent >=360 days 023C2 $45K
Number of Reportable Delinquent Used Vehicle Loans 035E2 6
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $64K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $5K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $531
NCUA data file FS220L (8 items)

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

The Heart Center Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $797
Total Amount of Loans & Leases on Loan Schedule 025B1 $10.6M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $1.1M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 675.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 450.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 290.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $174K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $1.3M
NCUA data file FS220M (7 items)

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

The Heart Center 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 $526K
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $62K
Total Unfunded Commitments for Non-Commercial Loans 816T $597K
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $9K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 9
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 18
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 10
NCUA data file FS220N (8 items)

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

The Heart Center Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Held-to-Maturity Debt Securities <=1 Year AS0068 $927K
Held-to-Maturity Debt Securities >1 and <=3 Years AS0069 $2.8M
Held-to-Maturity Debt Securities >3 and <=5 Years AS0070 $3.0M
Held-to-Maturity Debt Securities >5 and <= 10 Years AS0071 $700K
Held-to-Maturity Debt Securities > 10 Years AS0072 $150K
Total Liabilities LI0069 $17.2M
(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 $20.4M
NCUA data file FS220P (15 items)

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

The Heart Center 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 $4K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $100
All Other Unsecured Loans/Lines of Credit DL0022 $20K
All Other Unsecured Loans/Lines of Credit DL0023 $15K
All Other Unsecured Loans/Lines of Credit DL0024 $5K
All Other Unsecured Loans/Lines of Credit DL0025 $19K
All Other Unsecured Loans/Lines of Credit DL0026 $19K
All Other Unsecured Loans/Lines of Credit DL0027 $58K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $15
Used Vehicle Loans DL0037 $17K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0066 $97K
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 $97K
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 $1
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $32K
Amount of Consumer Loans in Non-Accrual Status DL0145 $12K
NCUA data file FS220Q (25 items)

investment portfolio detail (69%)

The Heart Center Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0013 $2.1M
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0014 $1.9M
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0021 $2.1M
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0022 $1.9M
Held-to-maturity Amortized Cost - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0073 $5.6M
Held-to-maturity Fair Value - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0074 $5.5M
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $7.7M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $180K
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $95K
Investment Maturity Distribution - Time Deposits - Total NV0116 $274K
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $7.7M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $13K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $13K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $1.1M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $2.9M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $3.0M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $700K
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $163K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $8.0M
RBC Total Equity RB0001 $3.2M
RBC Allowance for Credit Losses RB0002 $69K
RBC Total Additions RB0005 $69K
RBC Total Deductions RB0009 $170K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $3.1M
RBC Risk-Based Capital Numerator RB0012 $3.1M
NCUA data file FS220R (37 items)

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

The Heart Center Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $7.7M
RBC Schedule Total Consumer Loans RB0060 $8.3M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $56K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $56K
RBC Schedule Total Loans RB0079 $10.6M
RBC Total for Risk Weighting Total Loans RB0081 -$56K
RBC Total Loans 0% Weight RB0082 -$56K
RBC Schedule Total Other Assets RB0088 $274K
RBC Total for Risk Weighting Other Assets RB0090 $170K
RBC Other Assets 0% Weight RB0091 $170K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $20.4M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $114K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $114K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $20.4M
RBC Allowance for Credit Losses (Loans) RB0177 $56K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 3.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 963,478.00%
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 5.00%
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 296,642.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 140,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 1.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 31,095.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $1.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $140K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 10.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 668,612.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 50,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 7.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 407,610.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $1.1M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $50K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $26
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $2.4M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $190K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $49K
Total Shares SH0013 $17.2M
Total Shares and Deposits SH0018 $17.2M

The Heart Center 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 The Heart Center Federal Credit Union call report?

The The Heart Center 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 The Heart Center Federal Credit Union file?

The Heart Center 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 The Heart Center 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 The Heart Center Federal Credit Union is 22456.

How often does The Heart Center Federal Credit Union file a call report?

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

The Heart Center Federal Credit Union financials and ratios →

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