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Credit union call report ยท Hauppauge, NY

Island Federal Credit Union Call Report

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Island Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 470 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Island Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number10023
Federal Reserve RSSD ID932286

The official copy: search charter number 10023 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Island Federal Credit Union call report, Q2 2026

Statement of Financial Condition (36 items)
Island Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $3.1M
1b. Cash Items in Process of Collection AS0005 $3.1M
1c. Total Cash on Hand 730A $6.2M
2b. Cash on Deposit in Federal Reserve Bank AS0003 $57.2M
2c. Cash on Deposit in Other Financial Institutions 730B2 $3.5M
2. Cash on Deposit (total) 730B $60.6M
3. Time Deposits in Banks and Credit Unions AS0007 $250K
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $67.1M
8. Available-for-Sale Debt Securities AS0067 $219.8M
11. TOTAL INVESTMENT SECURITIES AS0013 $219.8M
12c. All Other Investments AS0016 $8.0M
13. TOTAL OTHER INVESTMENTS AS0017 $8.0M
14. Loans Held for Sale 003 $805K
15a. Number of Total Loans and Leases 025A 28,026
15b. Total Loans and Leases 025B $941.0M
17. ACL on Loans and Leases AS0048 $7.1M
18d. Foreclosed/Repossessed - Other AS0025 $72K
18e. Foreclosed/Repossessed Assets (total) 798A $72K
19. Land and Building 007 $5.7M
20. Other Fixed Assets 008 $5.1M
21. NCUA Share Insurance Capitalization Deposit 794 $9.8M
22b. Mortgage Servicing Rights 779 $2.3M
22d. Accrued Interest on Loans 009A $4.0M
22e. Accrued Interest on Investments 009B $637K
22f. All Other Assets 009C $78.2M
22g. Total Other Assets AS0036 $85.2M
23. TOTAL ASSETS 010 $1.34B
Accounts Payable and Other Liabilities 825 $18.1M
Borrowings (total) 860C $147.0M
Member Shares of All Types 013 $1.08B
Total Shares and Deposits 018 $1.08B
Undivided Earnings 940 $134.5M
Net Income (equity) 602 $4.0M
Total Net Worth 997 $138.9M
Net Worth Ratio 998 10.40%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $1.34B
Statement of Income and Expense (27 items)
Island Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $24.6M
3. Income from Investments 120 $3.8M
5. TOTAL INTEREST INCOME 115 $28.5M
6. Dividends on Shares 380 $10.4M
8. Interest on Borrowed Money 340 $2.1M
9. TOTAL INTEREST EXPENSE 350 $12.4M
10. NET INTEREST INCOME IS0010 $16.0M
12a. Credit Loss Expense - Loans and Leases IS0011 $1.7M
12e. Total Credit Loss Expense IS0017 $1.7M
13. Fee Income 131 $936K
14. Other Operating Income IS0020 $2.1M
16. Gain (Loss) on Other Investments IS0047 -$11
18. Gain (Loss) on Disposition of Fixed Assets 430 -$13K
19. Gain (Loss) on Sale of Loans IS0029 $134K
22. Other Non-Operating Income 440 $1.3M
23. TOTAL NON-INTEREST INCOME 117 $4.4M
24. Employee Compensation and Benefits 210 $7.5M
25. Travel and Conference 230 $26K
26. Office Occupancy 250 $837K
27. Office Operations 260 $3.5M
28. Educational and Promotional 270 $610K
29. Loan Servicing 280 $1.3M
30. Professional and Outside Services 290 $570K
32. Operating Fees 320 $104K
33. Miscellaneous Operating Expense 360 $307K
34. TOTAL NON-INTEREST EXPENSE 671 $14.7M
35. NET INCOME 661A $4.0M
Statement pages - all other filed accounts (26 items)

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

Island 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 $8.0M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $4.2M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $1.2M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $2.5M
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $371K
Loans Granted Year-to-Date 031A $1K
Amount of Loans Granted Year-to-Date 031B $71.2M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $10.3M
Number of current members (not number of accounts) 083 50,004
Number of potential members 084 3,697,000
Net Member Business Loan Balance 400A $177.4M
Interest Rate of Unsecured Credit Card Loans 521 1,195.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,599.00%
Interest Rate of New Vehicle Loans 523 564.00%
Interest Rate of Used Vehicle Loans 524 499.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $2.0M
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $472K
Total Amount of All Other Shares 630 $10.7M
Amount of Regular Shares 657 $252.1M
Balance Outstanding of All Interest Only & Payment Option 1st Mortgage Loans. 704C1 $631K
Amount of Share Drafts 902 $145.8M
IRA/KEOGH Accounts - < 1 Year 906A $66.3M
Share Certificates - < 1 Year 908A $432.3M
Total Amount of Share Certificates 908C $474.6M
Total Amount of Money Market Shares 911 $117.6M
Number of Used Vehicle Loans 968 5,260
NCUA form-section FS220A (32 items)

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

Island Federal Credit Union, NCUA form-section FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $1.02B
Total Shares - 1-3 Years 013B1 $50.2M
Total Shares - > 3 Years 013B2 $2.9M
Total Shares and Deposits - < 1 Year 018A $1.02B
Total Shares and Deposits - 1-3 Years 018B1 $50.2M
Total Shares and Deposits - > 3 Years 018B2 $2.9M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 210
Amount of Delinquent Indirect Loans 041E $862K
Effective date of last audit 063 $42K
Amount of Used Vehicle Loans 370 $91.2M
Amount of New Vehicle Loans 385 $59.6M
Amount of Unsecured Credit Card Loans 396 $16.1M
Amount of All Other Unsecured Loans/Lines of Credit 397 $12.3M
Share Certificates 451 $8K
Number of Accounts for Share Drafts 452 31,430
IRA/KEOGH Accounts 453 $3K
Number of Accounts for Regular Shares 454 57,419
All other shares 455 $2K
Money Market Shares 458 $2K
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 104,375
Number of credit union employees who are Full-Time (26 hours or more) 564A 109
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 12
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $6.2M
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,710.00%
Number of Outstanding Indirect Loans 617A 3,067
Total Amount of Outstanding Indirect Loans 618A $73.1M
Amount of real estate loans sold but serviced by the credit union 779A $195.5M
Total credit lines 881 $474.7M
Draws against lines of credit, less than 1 year 883A $87.0M
Draws against lines of credit, more than 3 years 883B2 $60.0M
Draws against lines of credit, total amount 883C $147.0M
Other Comprehensive Income (unless already included in item 33 or 34) 945B -$606K
NCUA form-section FS220B (31 items)

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

Island Federal 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 $121K
Amount of Delinquent Unsecured Credit Card Loans as of - 6 to less than 12 months delinquent 027B $2K
Amount of Delinquent Unsecured Credit Card Loans as of - 12 months and over delinquent 028B $3K
Number - Total Delinquent Credit Card Loans 045A 64
Total Amount of Delinquent Unsecured Credit Card Loans 045B $317K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $134.4M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $134.4M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $943.6M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $122K
All other shares - < 1 Year 630A $10.7M
Amount of Regular Shares - < 1 Year 657A $252.1M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $376K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $54K
Total Amount of All First Mortgage Loans which have been sold in the secondary market year-to-date 736 $6.3M
Total Borrowings - < 1 Year 860A $87.0M
Total Borrowings - > 3 Years 860B2 $60.0M
Is your credit union a member of a Federal Home Loan Bank? 896 $1
Amount of Share Drafts - < 1 Year 902A $145.8M
IRA/KEOGH Accounts - 1-3 Years 906B1 $9.7M
IRA/KEOGH Accounts - > 3 Years 906B2 $1.1M
Total Amount of IRA/KEOGH Accounts 906C $77.2M
Share Certificates - 1-3 Years 908B1 $40.5M
Share Certificates - > 3 Years 908B2 $1.8M
Money Market Shares - < 1 Year 911A $117.6M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $3.3M
Number of New Vehicle Loans 958 2,085
Total Shares 966 $104K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $2.1M
Number of Unsecured Credit Card Loans 993 9,035
Number of All Other Unsecured Loans/Lines of Credit 994 6,032
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 28
NCUA form-section FS220C (9 items)

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

Island Federal 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 $941K
Total Amount of All Participation Loans Charged Off Year-to-Date 550F $64K
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $263K
Total Amount of All Year-to-Date Recoveries on Charged-Off Participation Loans 551F $2K
Number of credit union branches (include the main office if member services are conducted at that location) 566 8
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $312.5M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $38.0M
Amount of Participation Loans Purchased Year-to-Date 690 $1.8M
NCUA form-section FS220D (31 items)

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

Island Federal Credit Union, NCUA form-section 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
Financial Education 879B2 $1
Financial Literacy Workshops 879B3 $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
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
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
CU offer Shared service network PP0058 $1
NCUA form-section FS220G (11 items)

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

Island Federal Credit Union, NCUA form-section FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $307K
Total Outstanding Amount of Participation Loans Purchased By Type 691L $75.0M
Outstanding Amount of Real Estate Participation Loans Purchased 691L2 $42.8M
Total Outstanding Amount of Participation Loans Sold By Type 691N $10.9M
Outstanding Amount of Real Estate Participation Loans Sold 691N2 $498K
Number of Outstanding Int Only & Payment Option 1st Mtg Loans 704C2 6
Total Value of Investments in CUSOs 851 $207K
Total Aggregate Cash Outlay in CUSOs 853 $136K
Assets Pledged to Secure Borrowings 878 $633.2M
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $307K
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $307K
NCUA form-section FS220H (11 items)

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

Island Federal Credit Union, NCUA form-section FS220H, Q2 2026
Line item Account Q2 2026
Amount of Non-Federally Guaranteed Student Loans - 1 to <2 months 020T $126K
Amount of Non-Federally Guaranteed Student Loans - 6 to <12 months 022T $93K
Total Amount of Reportable Delinquency Non-Federally Guaranteed Student Loans 041T $141K
Total number of reportable Non-Federally Guaranteed Student Loans delinquent 053E $3
Non-Federally Guaranteed Student Loans YTD Charge Offs 550T $19K
Interest Rate on Non-Federally Guaranteed Student Loans 595A 900.00%
Amount of Non-Federally Guaranteed Student Loans 698A $5.0M
Total Unfunded Commitments for all loan types 816A $232.8M
Number of Non-Federally Guaranteed Student Loans 963A 141
Total number of TDR loans outstanding 1000F $14
Total amount of TDR loans outstanding 1001F $2.5M
NCUA form-section FS220I (20 items)

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

Island Federal Credit Union, NCUA form-section FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $1.1M
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $1.7M
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $185K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $235K
Amount of New Vehicle Loans Delinquent 180 to 359 days 022C1 $13K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $46K
Number of Reportable Delinquent New Vehicle Loans 035E1 12
Number of Reportable Delinquent Used Vehicle Loans 035E2 33
Amount of Reportable Delinquent New Vehicle Loans 041C1 $274K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $588K
Amount of New Vehicle Loans YTD Charge Offs 550C1 $114K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $959K
Amount of New Vehicle Loans YTD Recoveries 551C1 $50K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $218K
Commercial Share Accounts 643 $20.8M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $33K
Total Other Credit Lines 884D $15.0M
Draws Against LOCs from FHLB 885A3 $147.0M
Total Draws Againts LOCs 885A4 $147.0M
Number of International Remittances originated Year-to-Date 928 106
NCUA form-section FS220J (2 items)

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

Island Federal Credit Union, NCUA form-section FS220J, Q2 2026
Line item Account Q2 2026
Other Assets - Split Dollar Life Insurance Arrangements - Collateral Assignment 789E $42.2M
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $42.2M
NCUA form-section FS220L (40 items)

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

Island Federal Credit Union, NCUA form-section FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $28K
Total Amount of Loans & Leases on Loan Schedule 025B1 $941.0M
Total number of commercial loans to members granted or purchased YTD 090A1 $3
Total number of purchased commercial loans or participation interests to nonmembers purchased YTD 090B1 $1
Number of member commercial loans Secured by Non-Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090J2 3
Number of purchased or participation interests in commercial loans secured by non-owner occupied non-farm, non-residential property to nonmembers purchased YTD 090J3 1
Total Number of member commercial real estate secured loans granted or purchased YTD 090K2 $3
Total Number of purchased or participation interests in commercial loans secured by real estate to nonmembers YTD 090K3 $1
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $226.9M
Amount of All Other Real Estate Loans/Lines of Credit 386B $474K
Total outstanding balance of commercial loans to members 400A1 $175.8M
Total outstanding balance of nonmember commercial loans 400B1 $30.0M
Outstanding balance of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 400H2 $20.9M
Outstanding balance of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 400J2 $128.9M
Outstanding balance of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400J3 $30.0M
Outstanding balance of Member Commercial and Industrial loans 400L2 $1.7M
Outstanding balance of member commercial loans Secured Multifamily Property 400M $24.3M
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $1.7M
Outstanding balance of all member and non-member commercial loans 400T1 $205.8M
Total Dollar amount of member commercial loans granted or purchased YTD 475A1 $8.3M
Total Dollar amount of nonmember commercial loans purchased YTD 475B1 $1.8M
Dollar Amount of Member Commercial loans Secured by Non-Owner Occupied Non-Farm, Non-Residential Property granted or purchased YTD 475J2 $8.3M
Dollar Amount of Purchased or participation interests in commercial loans to nonmembers Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property purchased YTD 475J3 $1.8M
Total Dollar amount of real estate secured member commercial loans granted or purchased YTD 475K2 $8.3M
Total Dollar amount of real estate secured commercial loans to nonmembers purchased YTD 475K3 $1.8M
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 588.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 265.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 524.00%
Interest Rate of All Other Real Estate Loans/Lines of Credit 562B 675.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 388.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 325.00%
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Purchased 691L8 $30.0M
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Sold 691N8 $10.4M
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $7.3M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $316.3M
Total Outstanding Balance of real estate secured member commercial loans 718A3 $174.1M
Total Outstanding Balance of real estate secured nonmember commercial loans 718A4 $30.0M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $204.1M
Amount of Outstanding commercial participations sold but retained servicing (including unfunded commitments) 1061 $24.4M
Number of Outstanding commercial participations sold but retained servicing (including unfunded commitments) 1061A 10
NCUA form-section FS220M (21 items)

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

Island Federal 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 $180.8M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $44.0M
Total Unfunded Commitments for Commercial Loans 814K $869K
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $7.1M
Total Unfunded Commitments for Non-Commercial Loans 816T $231.9M
Total number of member commercial loans 900A1 $158
Total number of nonmember commercial loans 900B1 $15
Number of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 900H2 20
Number of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 900J2 97
Number of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900J3 15
Total number of real estate secured member commercial loans 900K2 $147
Total number of real estate secured nonmember commercial loans 900K3 $15
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 162
Number of Member Commercial and Industrial loans 900L2 11
Number of member commercial loans Secured by Multifamily Property 900M 30
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 11
Total Number of Member and Nonmember commercial loans 900T1 $173
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 1,687
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 2,961
Number of All Other Real Estate Loans/Lines of Credit 960B 10
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 642
NCUA form-section FS220N (9 items)

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

Island Federal Credit Union, NCUA form-section FS220N, Q2 2026
Line item Account Q2 2026
Available-for-sale Debt Securities <=1 Year AS0062 $13.0M
Available-for-sale Debt Securities >1 and <=3 Years AS0063 $29.4M
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $15.5M
Available-for-sale Debt Securities >5 and <= 10 Years AS0065 $104.4M
Available-for-sale Debt Securities > 10 Years AS0066 $57.5M
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$46.0M
Total Liabilities LI0069 $1.24B
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $1.8M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $1.34B
NCUA form-section FS220P (52 items)

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

Island Federal 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 $552K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $145K
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $5K
Whole or Partial Loans Purchased Under 701.23 - YTD Charge Offs CH0047 $102K
Whole or Partial Loans Purchased Under 701.23 - YTD Recoveries CH0048 $111K
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $170.8M
Unsecured Credit Card Loans DL0002 $192K
Non-Federally Guaranteed Student Loans DL0016 $48K
All Other Unsecured Loans/Lines of Credit DL0022 $306K
All Other Unsecured Loans/Lines of Credit DL0023 $157K
All Other Unsecured Loans/Lines of Credit DL0024 $162K
All Other Unsecured Loans/Lines of Credit DL0026 $93K
All Other Unsecured Loans/Lines of Credit DL0027 $411K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $45
New Vehicle Loans DL0030 $76K
Used Vehicle Loans DL0037 $307K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $897
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $1K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $699
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $2K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $3
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $2.2M
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $431K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $1.0M
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0061 $323K
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 $1.8M
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 $7
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $2.2M
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0065 $1.2M
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0066 $468K
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0067 $560K
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0068 $930K
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 $3.1M
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 $38
Dollar Amount of Reportable Delinquency - >=360 Days Delinquent - All Other (Non-Commercial) Real Estate Loans/Lines of Credit DL0075 $205K
Total Dollar Amount of Reportable Delinquency - All Other (Non-Commercial) Real Estate Loans/Lines of Credit DL0076 $205K
Total Number of Reportable Delinquent Loans - All Other (Non-Commercial) Real Estate Loans/Lines of Credit DL0077 $1
Dollar Amount of Reportable Delinquency - 90 - 179 Days Delinquent - Commercial Loans/Lines of Credit Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property DL0108 $2.0M
Dollar Amount of Reportable Delinquency - 180 - 359 Days Delinquent - Commercial Loans/Lines of Credit Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property DL0109 $496K
Dollar Amount of Reportable Delinquency - >=360 Days Delinquent - Commercial Loans/Lines of Credit Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property DL0110 $985K
Total Dollar Amount of Reportable Delinquency - Commercial Loans/Lines of Credit Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property DL0111 $3.5M
Total Number of Reportable Delinquent Loans - Commercial Loans/Lines of Credit Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property DL0112 $4
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $2.4M
Amount of reportable delinquency included in Total Delinquent Loans and Leases (Account 041B), that relates to: Whole or Partial Loans Purchased under 701.23 DL0144 $78K
Amount of Consumer Loans in Non-Accrual Status DL0145 $4.5M
Amount of Commercial Loans in Non-Accrual Status DL0146 $3.5M
Number of Indirect Loans - New and Used Vehicle Loans IN0001 3,067
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $73.1M
Off-Balance Sheet Exposures - Totally Unconditionally Cancelable Unfunded Commitments for All Loan Types LQ0013 $51.1M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Commercial Loans LQ0014 $869K
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Secured and Real Estate LQ0015 $180.8M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments -Total LQ0017 $181.7M
NCUA form-section FS220Q (40 items)

investment portfolio detail (69%)

Island Federal Credit Union, NCUA form-section FS220Q, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Line of Credit Limit - Federal Home Loan Bank LQ0040 $336.5M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Federal Home Loan Bank LQ0043 $455.3M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - FRB LQ0047 $155.2M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Other Sources LQ0053 $22.8M
Total Borrowings LQ0860 $147.0M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0015 $12.0M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0016 $11.6M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0019 $252.3M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0020 $206.9M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0023 $264.3M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0024 $218.5M
Available-for-sale Amortized Cost - Non-Federal Agency Asset-Backed Securities - Senior Tranches - Privately Issued Residential Mortgage Related Securities NV0039 $1.4M
Available-for-sale Fair Value - Non-Federal Agency Asset-Backed Securities - Senior Tranches - Privately Issued Residential Mortgage Related Securities NV0040 $1.2M
Available-for-sale Amortized Cost - Non-Federal Agency Asset-Backed Securities - Senior Tranches - Total NV0051 $1.4M
Available-for-sale Fair Value - Non-Federal Agency Asset-Backed Securities - Senior Tranches - Total NV0052 $1.2M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $265.7M
Total Fair Value Available-for-Sale Debt Securities NV0084 $219.8M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $250K
Investment Maturity Distribution - Time Deposits - Total NV0116 $250K
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $219.8M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $8.0M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $8.0M
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $13.3M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $37.4M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $15.5M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $104.4M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $57.5M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $228.0M
Investment - Memoranda - Realized Gains (Losses) - Realized Gains (Losses) on Available for Sale Securities NV0160 -$11
Total Gain (Loss) on Investments NV0162 -$11
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Collateral Assignment - Remaining Premiums NV0169 $8.2M
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Collateral Assignment - Cash Surrender Value NV0170 $27.2M
RBC Total Equity RB0001 $138.9M
RBC Allowance for Credit Losses RB0002 $7.1M
RBC Total Additions RB0005 $7.1M
RBC Total Deductions RB0009 $9.8M
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $136.1M
RBC Risk-Based Capital Numerator RB0012 $136.1M
Participation Loans: Participations Purchased - Outstanding Balance - Amount - Vehicle - Non-commercial SL0036 $2.2M
Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - Commercial Loans excluding Construction & Development SL0049 $1.8M
NCUA form-section FS220R (65 items)

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

Island Federal Credit Union, NCUA form-section FS220R, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Total Borrowing Capacity at Federal Reserve Bank LQ0061 $123.2M
CCULR Election to opt into the Complex Credit Union Leverage Ratio LR0001 1.00%
CCULR Off-Balance sheet exposures LR0002 $181.7M
CCULR Off-Balance sheet exposures ratio LR0003 1,360.00%
RBC Schedule Total Investments RB0039 $227.8M
RBC Schedule Total Consumer Loans RB0060 $191.9M
RBC Schedule Total Commercial Loans RB0068 $205.8M
RBC Adjustments to Loans Held for Sale RB0075 -$805K
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $7.1M
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $7.1M
RBC Schedule Total Loans RB0079 $934.7M
RBC Adjustments to Total Loans RB0080 -$805K
RBC Total for Risk Weighting Total Loans RB0081 -$7.1M
RBC Total Loans 0% Weight RB0082 -$7.1M
RBC Schedule Total Other Assets RB0088 $105.9M
RBC Total for Risk Weighting Other Assets RB0090 $9.8M
RBC Other Assets 0% Weight RB0091 $9.8M
RBC Total from Schedule On-Balance Sheet Assets RB0099 $1.34B
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $2.7M
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $2.7M
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $1.34B
RBC Allowance for Credit Losses (Loans) RB0177 $7.1M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 448.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 136,924,914.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 7,007,100.00%
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 712.00%
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 73,458,958.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid >5 Years RL0007 $191
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0008 $53.9M
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 $20
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 $6.6M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Balloon/Hybrid 5 Years or Less RL0012 $611K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 316.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 45,529,169.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $316.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $7.6M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 789.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 47,858,370.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 1,275,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 2,182.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 179,072,171.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 24,939,475.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $226.9M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $26.2M
All Other (Non-commercial) Real Estate - Closed-End - Adjustable Rate - Number of Loans Outstanding RL0035 6.00%
All Other (Non-commercial) Real Estate - Closed-End - Adjustable Rate - Amount of Loans Outstanding RL0036 254,990.00%
All Other (Non-commercial) Real Estate - Open-End - Adjustable Rate - Number of Loans Outstanding RL0041 4.00%
All Other (Non-commercial) Real Estate - Open-End - Adjustable Rate - Amount of Loans Outstanding RL0042 218,652.00%
All Other (Non-commercial) Real Estate - Amount of Loans Outstanding - Total RL0044 $474K
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 $543.7M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $33.8M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $393.9M
Total Shares SH0013 $1.08B
Total Shares and Deposits SH0018 $1.08B
Number of Outstanding Loans Purchased from Other Financial Institutions SL0018 608
Amount of Outstanding Loans Purchased from Other Financial Institutions SL0019 $2.9M
Number of Loans Sold, Year-to-date SL0022 13
Amount of Loans Sold, Year-to-date SL0023 $6.3M
Number of First Mortgage loans sold on the secondary market, Year-to-date SL0024 13
Number of Real Estate Loans Sold with Servicing Retained, Year-to-date SL0028 13
Amount of Real Estate Loans Sold with Servicing Retained, Year-to-date SL0029 $6.3M
Number of Outstanding Real Estate Loans Sold with Servicing Retained SL0030 788
Number of Outstanding All Other Loans Sold with Servicing Retained SL0034 35
Amount of Outstanding All Other Loans Sold with Servicing Retained SL0035 $4.5M
NCUA form-section FS220S (7 items)

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

Island Federal 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
Mortgage Lending PP0039 $1
Secured personal loans PP0040 $1
Unsecured personal loans PP0041 $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

Island 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 Island Federal Credit Union call report?

The Island 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 Island Federal Credit Union file?

Island 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 Island 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 Island Federal Credit Union is 10023.

How often does Island Federal Credit Union file a call report?

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

Island Federal Credit Union financials and ratios →

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