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Credit union call report ยท Richardson, TX

Lifetime Federal Credit Union Call Report

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Lifetime Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 259 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Lifetime Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number6012
Federal Reserve RSSD ID385378

The official copy: search charter number 6012 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Lifetime Federal Credit Union call report, Q2 2026

Statement of Financial Condition (27 items)
Lifetime Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $281K
1c. Total Cash on Hand 730A $281K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $2.8M
2. Cash on Deposit (total) 730B $2.8M
3. Time Deposits in Banks and Credit Unions AS0007 $21.7M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $24.7M
9. Held-to-Maturity Debt Securities AS0073 $4.0M
11. TOTAL INVESTMENT SECURITIES AS0013 $4.0M
12b. Perpetual Contributed Capital 769B $49K
13. TOTAL OTHER INVESTMENTS AS0017 $49K
15a. Number of Total Loans and Leases 025A 2,969
15b. Total Loans and Leases 025B $25.9M
17. ACL on Loans and Leases AS0048 $313K
20. Other Fixed Assets 008 $27K
21. NCUA Share Insurance Capitalization Deposit 794 $420K
22d. Accrued Interest on Loans 009A $34K
22e. Accrued Interest on Investments 009B $71K
22f. All Other Assets 009C $291K
22g. Total Other Assets AS0036 $396K
23. TOTAL ASSETS 010 $55.2M
Accounts Payable and Other Liabilities 825 $21K
Member Shares of All Types 013 $45.0M
Total Shares and Deposits 018 $45.0M
Undivided Earnings 940 $8.2M
Total Net Worth 997 $10.2M
Net Worth Ratio 998 18.45%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $55.2M
Statement of Income and Expense (22 items)
Lifetime Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $862K
3. Income from Investments 120 $409K
5. TOTAL INTEREST INCOME 115 $1.3M
6. Dividends on Shares 380 $450K
8. Interest on Borrowed Money 340 $66
9. TOTAL INTEREST EXPENSE 350 $450K
10. NET INTEREST INCOME IS0010 $820K
12a. Credit Loss Expense - Loans and Leases IS0011 $89K
12e. Total Credit Loss Expense IS0017 $89K
13. Fee Income 131 $206K
14. Other Operating Income IS0020 $91K
23. TOTAL NON-INTEREST INCOME 117 $297K
24. Employee Compensation and Benefits 210 $478K
25. Travel and Conference 230 $12K
27. Office Operations 260 $77K
28. Educational and Promotional 270 $4K
29. Loan Servicing 280 $90K
30. Professional and Outside Services 290 $291K
32. Operating Fees 320 $5K
33. Miscellaneous Operating Expense 360 $16K
34. TOTAL NON-INTEREST EXPENSE 671 $973K
35. NET INCOME 661A $56K
Statement pages - all other filed accounts (22 items)

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

Lifetime 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 $259K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $192K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $82K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $38K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $90K
Loans Granted Year-to-Date 031A $211
Amount of Loans Granted Year-to-Date 031B $3.7M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $495K
Number of current members (not number of accounts) 083 4,146
Number of potential members 084 6,882
Interest Rate of Unsecured Credit Card Loans 521 765.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,347.00%
Interest Rate of New Vehicle Loans 523 594.00%
Interest Rate of Used Vehicle Loans 524 604.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $118K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $5K
Amount of Regular Shares 657 $21.4M
Amount of Share Drafts 902 $4.3M
IRA/KEOGH Accounts - < 1 Year 906A $5.1M
Share Certificates - < 1 Year 908A $11.4M
Total Amount of Share Certificates 908C $13.7M
Number of Used Vehicle Loans 968 454
NCUA form-section FS220A (19 items)

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

Lifetime Federal Credit Union, NCUA form-section FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $42.2M
Total Shares - 1-3 Years 013B1 $2.8M
Total Shares and Deposits - < 1 Year 018A $42.2M
Total Shares and Deposits - 1-3 Years 018B1 $2.8M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 75
Effective date of last audit 063 $92K
Amount of Used Vehicle Loans 370 $7.7M
Amount of New Vehicle Loans 385 $2.3M
Amount of Unsecured Credit Card Loans 396 $2.7M
Amount of All Other Unsecured Loans/Lines of Credit 397 $3.6M
Share Certificates 451 $331
Number of Accounts for Share Drafts 452 2,578
IRA/KEOGH Accounts 453 $125
Number of Accounts for Regular Shares 454 4,499
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 7,533
Number of credit union employees who are Full-Time (26 hours or more) 564A 11
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $1.2M
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,692.00%
Total credit lines 881 $6.0M
NCUA form-section FS220B (23 items)

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

Lifetime 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 $25K
Amount of Delinquent Unsecured Credit Card Loans as of - 6 to less than 12 months delinquent 027B $42K
Number - Total Delinquent Credit Card Loans 045A 30
Total Amount of Delinquent Unsecured Credit Card Loans 045B $99K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $2.0M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $2.0M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $42.9M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $122K
Amount of Regular Shares - < 1 Year 657A $21.4M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $33K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $2K
Fair value of Held to Maturity Securities 801 $3.9M
Amount of Share Drafts - < 1 Year 902A $4.3M
IRA/KEOGH Accounts - 1-3 Years 906B1 $484K
Total Amount of IRA/KEOGH Accounts 906C $5.6M
Share Certificates - 1-3 Years 908B1 $2.3M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $143K
Number of New Vehicle Loans 958 113
Total Shares 966 $8K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $7K
Number of Unsecured Credit Card Loans 993 1,193
Number of All Other Unsecured Loans/Lines of Credit 994 895
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 2
NCUA form-section FS220C (5 items)

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

Lifetime 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 $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 $7.6M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $3.5M
Outstanding balance of brokered certificates of deposit and share certificates 788 $1.5M
NCUA form-section FS220D (24 items)

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

Lifetime Federal Credit Union, NCUA form-section FS220D, Q2 2026
Line item Account Q2 2026
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
Deposits and Shares Meeting 703.10(a) 879M $1
Brokered Certificates of Deposits 879N $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
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 (6 items)

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

Lifetime Federal Credit Union, NCUA form-section FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $1.9M
Total Outstanding Amount of Participation Loans Purchased By Type 691L $4.4M
Outstanding Amount of Real Estate Participation Loans Purchased 691L2 $3.9M
Total Credit Lines at Corporate Credit Unions 884 $6.0M
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $1.9M
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $1.9M
NCUA form-section FS220H (9 items)

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

Lifetime 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 $5K
Non-Federally Guaranteed Student Loans YTD Charge Offs 550T $2K
Interest Rate on Non-Federally Guaranteed Student Loans 595A 407.00%
Outstanding Amount of Non-Federally Guaranteed Student Loans Participations Purchased 691L7 $465K
Amount of Non-Federally Guaranteed Student Loans 698A $465K
Total Unfunded Commitments for all loan types 816A $4.6M
Number of Non-Federally Guaranteed Student Loans 963A 246
Total number of TDR loans outstanding 1000F $1
Total amount of TDR loans outstanding 1001F $11K
NCUA form-section FS220I (12 items)

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

Lifetime 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 $43K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $42K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $116K
Amount of New Vehicle Loans Delinquent 180 to 359 days 022C1 $8K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $7K
Amount of Used Vehicle Loans Delinquent >=360 days 023C2 $38K
Number of Reportable Delinquent New Vehicle Loans 035E1 3
Number of Reportable Delinquent Used Vehicle Loans 035E2 12
Amount of Reportable Delinquent New Vehicle Loans 041C1 $74K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $224K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $22K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $42K
NCUA form-section FS220L (6 items)

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

Lifetime Federal Credit Union, NCUA form-section FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $3K
Total Amount of Loans & Leases on Loan Schedule 025B1 $25.9M
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 536.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 699.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $242K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $8.9M
NCUA form-section FS220M (5 items)

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

Lifetime Federal Credit Union, NCUA form-section FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $4.4M
Total Other Unfunded Commitments (Non-Commercial) 816B5 $230K
Total Unfunded Commitments for Non-Commercial Loans 816T $4.6M
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 47
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 21
NCUA form-section FS220N (4 items)

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

Lifetime Federal Credit Union, NCUA form-section FS220N, Q2 2026
Line item Account Q2 2026
Held-to-Maturity Debt Securities <=1 Year AS0068 $4.0M
Total Liabilities LI0069 $45.0M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $251K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $55.2M
NCUA form-section FS220P (16 items)

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

Lifetime 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 $62K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $2K
Unsecured Credit Card Loans DL0002 $33K
All Other Unsecured Loans/Lines of Credit DL0022 $78K
All Other Unsecured Loans/Lines of Credit DL0023 $22K
All Other Unsecured Loans/Lines of Credit DL0024 $51K
All Other Unsecured Loans/Lines of Credit DL0025 $23K
All Other Unsecured Loans/Lines of Credit DL0027 $96K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $29
New Vehicle Loans DL0030 $67K
Used Vehicle Loans DL0037 $62K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0053 $2K
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 $1
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $183K
Amount of Consumer Loans in Non-Accrual Status DL0145 $495K
NCUA form-section FS220Q (21 items)

investment portfolio detail (69%)

Lifetime Federal Credit Union, NCUA form-section FS220Q, Q2 2026
Line item Account Q2 2026
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0013 $4.0M
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0014 $3.9M
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0021 $4.0M
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0022 $3.9M
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $4.0M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $18.4M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $3.2M
Investment Maturity Distribution - Time Deposits - Total NV0116 $21.7M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $4.0M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $49K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $49K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $22.4M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $3.2M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $49K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $25.7M
RBC Total Equity RB0001 $10.2M
RBC Allowance for Credit Losses RB0002 $313K
RBC Total Additions RB0005 $313K
RBC Total Deductions RB0009 $420K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $10.1M
RBC Risk-Based Capital Numerator RB0012 $10.1M
NCUA form-section FS220R (30 items)

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

Lifetime Federal Credit Union, NCUA form-section FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $4.0M
RBC Schedule Total Consumer Loans RB0060 $17.0M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $313K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $313K
RBC Schedule Total Loans RB0079 $25.6M
RBC Total for Risk Weighting Total Loans RB0081 -$313K
RBC Total Loans 0% Weight RB0082 -$313K
RBC Schedule Total Other Assets RB0088 $842K
RBC Total for Risk Weighting Other Assets RB0090 $420K
RBC Other Assets 0% Weight RB0091 $420K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $55.2M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $107K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $107K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $55.2M
RBC Allowance for Credit Losses (Loans) RB0177 $313K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 21.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 4,598,810.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 1,163,000.00%
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 4.00%
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 425,645.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 21.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 3,833,765.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $8.9M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $1.2M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $46
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $8.9M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $1.2M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $1.5M
Total Shares SH0013 $45.0M
Total Shares and Deposits SH0018 $45.0M
NCUA form-section FS220S (8 items)

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

Lifetime 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
Auto Lending PP0038 $1
Mortgage Lending PP0039 $1
Secured personal loans PP0040 $1
Unsecured personal loans PP0041 $1
Person-to-Person payments PP0045 $1
Investment security exchange services PP0046 $1
Communication PP0047 $1

Lifetime 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 Lifetime Federal Credit Union call report?

The Lifetime 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 Lifetime Federal Credit Union file?

Lifetime 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 Lifetime 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 Lifetime Federal Credit Union is 6012.

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

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

Lifetime Federal Credit Union financials and ratios →

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