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Credit union call report ยท Louisville, KY

K I T Federal Credit Union Call Report

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K I T Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 257 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

K I T Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number16947
Federal Reserve RSSD ID337283

The official copy: search charter number 16947 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

K I T Federal Credit Union call report, Q2 2026

Statement of Financial Condition (27 items)
K I T Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $196K
1c. Total Cash on Hand 730A $196K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $1.1M
2c. Cash on Deposit in Other Financial Institutions 730B2 $115K
2. Cash on Deposit (total) 730B $1.3M
3. Time Deposits in Banks and Credit Unions AS0007 $5.1M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $6.6M
12b. Perpetual Contributed Capital 769B $44K
13. TOTAL OTHER INVESTMENTS AS0017 $44K
15a. Number of Total Loans and Leases 025A 1,352
15b. Total Loans and Leases 025B $15.4M
17. ACL on Loans and Leases AS0048 $91K
19. Land and Building 007 $809K
20. Other Fixed Assets 008 $42K
21. NCUA Share Insurance Capitalization Deposit 794 $179K
22d. Accrued Interest on Loans 009A $55K
22e. Accrued Interest on Investments 009B $9K
22f. All Other Assets 009C $73K
22g. Total Other Assets AS0036 $136K
23. TOTAL ASSETS 010 $23.1M
Accounts Payable and Other Liabilities 825 $136K
Member Shares of All Types 013 $20.2M
Total Shares and Deposits 018 $20.2M
Undivided Earnings 940 $2.7M
Total Net Worth 997 $2.7M
Net Worth Ratio 998 11.86%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $23.1M
Statement of Income and Expense (23 items)
K I T Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $584K
3. Income from Investments 120 $93K
5. TOTAL INTEREST INCOME 115 $677K
6. Dividends on Shares 380 $162K
8. Interest on Borrowed Money 340 $110
9. TOTAL INTEREST EXPENSE 350 $162K
10. NET INTEREST INCOME IS0010 $516K
12a. Credit Loss Expense - Loans and Leases IS0011 $50K
12e. Total Credit Loss Expense IS0017 $50K
13. Fee Income 131 $137K
22. Other Non-Operating Income 440 $58K
23. TOTAL NON-INTEREST INCOME 117 $194K
24. Employee Compensation and Benefits 210 $285K
25. Travel and Conference 230 $733
26. Office Occupancy 250 $28K
27. Office Operations 260 $61K
28. Educational and Promotional 270 $24K
29. Loan Servicing 280 $19K
30. Professional and Outside Services 290 $133K
32. Operating Fees 320 $6K
33. Miscellaneous Operating Expense 360 $1K
34. TOTAL NON-INTEREST EXPENSE 671 $560K
35. NET INCOME 661A $101K
Statement pages - all other filed accounts (21 items)

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

K I T 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 $48K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $44K
Loans Granted Year-to-Date 031A $343
Amount of Loans Granted Year-to-Date 031B $3.4M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $54K
Number of current members (not number of accounts) 083 1,883
Number of potential members 084 10,000
Interest Rate of Unsecured Credit Card Loans 521 1,090.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,730.00%
Interest Rate of New Vehicle Loans 523 1,724.00%
Interest Rate of Used Vehicle Loans 524 699.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $40K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $6K
Total Amount of All Other Shares 630 $180K
Amount of Regular Shares 657 $4.5M
Amount of Share Drafts 902 $3.0M
IRA/KEOGH Accounts - < 1 Year 906A $915K
Share Certificates - < 1 Year 908A $3.4M
Total Amount of Share Certificates 908C $3.9M
Total Amount of Money Market Shares 911 $7.3M
Number of Used Vehicle Loans 968 341
NCUA data file FS220A (24 items)

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

K I T Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $19.3M
Total Shares - 1-3 Years 013B1 $800K
Total Shares - > 3 Years 013B2 $157K
Total Shares and Deposits - < 1 Year 018A $19.3M
Total Shares and Deposits - 1-3 Years 018B1 $800K
Total Shares and Deposits - > 3 Years 018B2 $157K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 6
Effective date of last audit 063 $22K
Amount of Used Vehicle Loans 370 $5.2M
Amount of New Vehicle Loans 385 $1.1M
Amount of Unsecured Credit Card Loans 396 $774K
Amount of All Other Unsecured Loans/Lines of Credit 397 $943K
Share Certificates 451 $129
Number of Accounts for Share Drafts 452 1,216
IRA/KEOGH Accounts 453 $120
Number of Accounts for Regular Shares 454 2,184
All other shares 455 $251
Money Market Shares 458 $186
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 4,086
Number of credit union employees who are Full-Time (26 hours or more) 564A 6
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 3
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $1.3M
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,727.00%
Total credit lines 881 $3.2M
NCUA data file FS220B (24 items)

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

K I T Federal Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Number - Total Delinquent Credit Card Loans 045A 1
Total Amount of Delinquent Unsecured Credit Card Loans 045B $6K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $1.9M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $1.9M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $18.3M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $92K
All other shares - < 1 Year 630A $180K
Amount of Regular Shares - < 1 Year 657A $4.5M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $10K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $974
Amount of Share Drafts - < 1 Year 902A $3.0M
IRA/KEOGH Accounts - 1-3 Years 906B1 $388K
IRA/KEOGH Accounts - > 3 Years 906B2 $43K
Total Amount of IRA/KEOGH Accounts 906C $1.3M
Share Certificates - 1-3 Years 908B1 $412K
Share Certificates - > 3 Years 908B2 $114K
Money Market Shares - < 1 Year 911A $7.3M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $795K
Number of New Vehicle Loans 958 30
Total Shares 966 $4K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $94K
Number of Unsecured Credit Card Loans 993 452
Number of All Other Unsecured Loans/Lines of Credit 994 336
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 20
NCUA data file FS220C (5 items)

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

K I T 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 $5
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 $1.7M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $643K
Outstanding balance of brokered certificates of deposit and share certificates 788 $5.1M
NCUA data file FS220D (27 items)

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

K I T Federal Credit Union, NCUA data file 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 Education 879B2 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Credit Builder 879D1 $1
Payday Alternative Loans (PAL loans) (FCU Only) 879D9 $1
Mortgage Processing 879G $1
Deposits and Shares Meeting 703.10(a) 879M $1
Brokered Certificates of Deposits 879N $1
Low-cost wire transfers 879W $1
Loan Application 887B $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
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
Offer Custodial Accounts PP0032 $1
Offer Non-Custodial Accounts PP0033 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA data file FS220G (1 item)

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

K I T Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Credit Lines at Corporate Credit Unions 884 $3.2M
NCUA data file FS220H (12 items)

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

K I T Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Number of Payday Alternative Loans (PAL loans) Granted Year-to-Date (FCU only) 031C 56
Amount of Payday Alternative Loans (PAL loans) Granted Year-to-Date (FCU only) 031D $50K
Total Number of Reportable Delinquent Loans for Payday Alternative Loans (PAL loans) (FCU only) 130A $1
Total Reportable Payday Alternative Loans (PAL loans) (FCU only) Delinquent Loans 130B $1K
YTD Charge Offs of Payday Alternative Loans (PAL loans) (FCU only) 136 $787
YTD Recoveries of Payday Alternative Loans (PAL loans) (FCU only) 137 $43
Amount of Payday Alternative Loans (PAL loans) 397A $29K
Interest Rate of Payday Alternative Loans (PAL loans) 522A 2,800.00%
Total Unfunded Commitments for all loan types 816A $2.2M
Number of Payday Alternative Loans (PAL loans) 994A 45
Total number of TDR loans outstanding 1000F $3
Total amount of TDR loans outstanding 1001F $27K
NCUA data file FS220I (7 items)

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

K I T 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 $42K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $44K
Number of Reportable Delinquent Used Vehicle Loans 035E2 2
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $44K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $23K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $4K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $10K
NCUA data file FS220L (8 items)

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

K I T Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $1K
Total Amount of Loans & Leases on Loan Schedule 025B1 $15.4M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $2.3M
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 325.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 1,705.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $270K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $4.8M
NCUA data file FS220M (8 items)

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

K I T 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 $882K
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $953K
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $98K
Total Unfunded Commitments for Non-Commercial Loans 816T $2.2M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $267K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 54
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 58
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 36
NCUA data file FS220N (3 items)

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

K I T Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Total Liabilities LI0069 $20.4M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $72K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $23.1M
NCUA data file FS220P (10 items)

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

K I T 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 $6K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $236
Unsecured Credit Card Loans DL0002 $6K
Payday Alternative Loans DL0009 $1K
All Other Unsecured Loans/Lines of Credit DL0022 $5K
All Other Unsecured Loans/Lines of Credit DL0023 $4K
All Other Unsecured Loans/Lines of Credit DL0027 $4K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $2
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $11K
Amount of Consumer Loans in Non-Accrual Status DL0145 $44K
NCUA data file FS220Q (16 items)

investment portfolio detail (69%)

K I T Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $1.9M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $2.5M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $700K
Investment Maturity Distribution - Time Deposits - Total NV0116 $5.1M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $44K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $44K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $1.9M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $2.5M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $700K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $5.1M
RBC Total Equity RB0001 $2.7M
RBC Allowance for Credit Losses RB0002 $91K
RBC Total Additions RB0005 $91K
RBC Total Deductions RB0009 $179K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $2.7M
RBC Risk-Based Capital Numerator RB0012 $2.7M
NCUA data file FS220R (39 items)

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

K I T Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $44K
RBC Schedule Total Consumer Loans RB0060 $8.3M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $91K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $91K
RBC Schedule Total Loans RB0079 $15.4M
RBC Total for Risk Weighting Total Loans RB0081 -$91K
RBC Total Loans 0% Weight RB0082 -$91K
RBC Schedule Total Other Assets RB0088 $1.2M
RBC Total for Risk Weighting Other Assets RB0090 $179K
RBC Other Assets 0% Weight RB0091 $179K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $23.1M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $87K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $87K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $23.1M
RBC Allowance for Credit Losses (Loans) RB0177 $91K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 31.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 3,737,936.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 288,037.00%
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 6.00%
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 353,075.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 17.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 740,256.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Adjustable Rate RL0015 76,398.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $4.8M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $364K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 4.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 234,181.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 86,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 54.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 2,108,888.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 556,009.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $2.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $642K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $112
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $7.2M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $1.0M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $2.9M
Total Shares SH0013 $20.2M
Total Shares and Deposits SH0018 $20.2M
NCUA data file FS220S (2 items)

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

K I T Federal Credit Union, NCUA data file 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

K I T 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 K I T Federal Credit Union call report?

The K I T 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 K I T Federal Credit Union file?

K I T 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 K I T 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 K I T Federal Credit Union is 16947.

How often does K I T Federal Credit Union file a call report?

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

K I T Federal Credit Union financials and ratios →

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