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Local 804 Federal Credit Union Call Report

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Local 804 Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 261 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Local 804 Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number23144
Federal Reserve RSSD ID901983

The official copy: search charter number 23144 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Local 804 Federal Credit Union call report, Q2 2026

Statement of Financial Condition (31 items)
Local 804 Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $18K
1c. Total Cash on Hand 730A $18K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $136K
2c. Cash on Deposit in Other Financial Institutions 730B2 $141K
2. Cash on Deposit (total) 730B $277K
3. Time Deposits in Banks and Credit Unions AS0007 $6.3M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $6.6M
6. Equity Securities AS0055 $1.4M
11. TOTAL INVESTMENT SECURITIES AS0013 $1.4M
12b. Perpetual Contributed Capital 769B $17K
12c. All Other Investments AS0016 $777K
13. TOTAL OTHER INVESTMENTS AS0017 $794K
15a. Number of Total Loans and Leases 025A 1,417
15b. Total Loans and Leases 025B $13.5M
17. ACL on Loans and Leases AS0048 $273K
20. Other Fixed Assets 008 $307K
21. NCUA Share Insurance Capitalization Deposit 794 $152K
22d. Accrued Interest on Loans 009A $20K
22e. Accrued Interest on Investments 009B $5K
22f. All Other Assets 009C $65K
22g. Total Other Assets AS0036 $90K
23. TOTAL ASSETS 010 $22.5M
Accounts Payable and Other Liabilities 825 $9K
Member Shares of All Types 013 $15.6M
Nonmember Deposits 880 $2K
Total Shares and Deposits 018 $15.6M
Undivided Earnings 940 $6.6M
Net Income (equity) 602 $260K
Total Net Worth 997 $6.9M
Net Worth Ratio 998 30.73%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $22.5M
Statement of Income and Expense (22 items)
Local 804 Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $521K
3. Income from Investments 120 $135K
5. TOTAL INTEREST INCOME 115 $656K
6. Dividends on Shares 380 $45K
9. TOTAL INTEREST EXPENSE 350 $45K
10. NET INTEREST INCOME IS0010 $611K
12a. Credit Loss Expense - Loans and Leases IS0011 $45K
12e. Total Credit Loss Expense IS0017 $45K
13. Fee Income 131 $113K
14. Other Operating Income IS0020 $7K
15. Gain (Loss) on Equity/Trading Securities IS0046 $77K
23. TOTAL NON-INTEREST INCOME 117 $198K
24. Employee Compensation and Benefits 210 $222K
26. Office Occupancy 250 $30K
27. Office Operations 260 $189K
28. Educational and Promotional 270 $4K
29. Loan Servicing 280 $22K
30. Professional and Outside Services 290 $32K
31. Member Insurance 310 $6K
32. Operating Fees 320 $2K
34. TOTAL NON-INTEREST EXPENSE 671 $506K
35. NET INCOME 661A $258K
Statement pages - all other filed accounts (23 items)

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

Local 804 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 $99K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $126K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $46K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $311K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $12K
Loans Granted Year-to-Date 031A $119
Amount of Loans Granted Year-to-Date 031B $1.9M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $500K
Number of current members (not number of accounts) 083 3,197
Number of potential members 084 15,000
Non-Member Deposits 457 $4
Interest Rate of Unsecured Credit Card Loans 521 1,700.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,361.00%
Interest Rate of New Vehicle Loans 523 528.00%
Interest Rate of Used Vehicle Loans 524 719.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $103K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $14K
Total Amount of All Other Shares 630 $3.1M
Amount of Regular Shares 657 $9.9M
Amount of Share Drafts 902 $2.3M
Share Certificates - < 1 Year 908A $260K
Total Amount of Share Certificates 908C $330K
Number of Used Vehicle Loans 968 134
NCUA form-section FS220A (19 items)

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

Local 804 Federal Credit Union, NCUA form-section FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $15.5M
Total Shares - 1-3 Years 013B1 $70K
Total Shares and Deposits - < 1 Year 018A $15.5M
Total Shares and Deposits - 1-3 Years 018B1 $70K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 39
Effective date of last audit 063 $62K
Amount of Used Vehicle Loans 370 $2.3M
Amount of New Vehicle Loans 385 $2.4M
Amount of Unsecured Credit Card Loans 396 $911K
Amount of All Other Unsecured Loans/Lines of Credit 397 $3.9M
Share Certificates 451 $4
Number of Accounts for Share Drafts 452 1,460
Number of Accounts for Regular Shares 454 3,197
All other shares 455 $441
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 5,106
Number of credit union employees who are Full-Time (26 hours or more) 564A 4
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $742K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,633.00%
Total credit lines 881 $856K
NCUA form-section FS220B (22 items)

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

Local 804 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 $37K
Amount of Delinquent Unsecured Credit Card Loans as of - 6 to less than 12 months delinquent 027B $12K
Number - Total Delinquent Credit Card Loans 045A 13
Total Amount of Delinquent Unsecured Credit Card Loans 045B $53K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $7K
Total Uninsured Shares and Deposits > $250K (F+J) 068A $7K
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $15.6M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $122K
All other shares - < 1 Year 630A $3.1M
Amount of Regular Shares - < 1 Year 657A $9.9M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $19K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $4K
Non-Member Deposits - < 1 Year 880A $2K
Amount of Share Drafts - < 1 Year 902A $2.3M
Share Certificates - 1-3 Years 908B1 $70K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $181K
Number of New Vehicle Loans 958 94
Total Shares 966 $5K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $17K
Number of Unsecured Credit Card Loans 993 665
Number of All Other Unsecured Loans/Lines of Credit 994 500
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 8
NCUA form-section FS220C (3 items)

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

Local 804 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 $200K
NCUA form-section FS220D (24 items)

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

Local 804 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 Education 879B2 $1
Financial Literacy Workshops 879B3 $1
Online Financial Literacy 879B7 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
New Share Account 887E $1
Loan Payments 887F $1
Bill Payment 887J $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
Remote Deposit Capture 887U $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Offer Custodial Accounts PP0032 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA form-section FS220G (2 items)

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

Local 804 Federal Credit Union, NCUA form-section FS220G, Q2 2026
Line item Account Q2 2026
Total Outstanding Amount of Participation Loans Purchased By Type 691L $1.1M
Total Credit Lines at Corporate Credit Unions 884 $856K
NCUA form-section FS220H (1 item)

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

Local 804 Federal Credit Union, NCUA form-section FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $2.3M
NCUA form-section FS220I (11 items)

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

Local 804 Federal Credit Union, NCUA form-section FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $15K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $19K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $217
Number of Reportable Delinquent New Vehicle Loans 035E1 2
Number of Reportable Delinquent Used Vehicle Loans 035E2 3
Amount of Reportable Delinquent New Vehicle Loans 041C1 $17K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $20K
Amount of New Vehicle Loans YTD Charge Offs 550C1 $18K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $540
Amount of Used Vehicle Loans YTD Recoveries 551C2 $3K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $4K
NCUA form-section FS220J (4 items)

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

Local 804 Federal Credit Union, NCUA form-section FS220J, Q2 2026
Line item Account Q2 2026
Securities 789C $1.1M
Other Investments 789D $777K
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $1.9M
Amounts reported in Asset section of the Statement of Financial Condition to fund Charitable Donation Accounts 789H $274K
NCUA form-section FS220L (17 items)

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

Local 804 Federal Credit Union, NCUA form-section 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 $13.5M
Total outstanding balance of commercial loans to members 400A1 $596K
Total outstanding balance of nonmember commercial loans 400B1 $1.1M
Outstanding balance of Unsecured Member Commercial Loans 400C5 $596K
Outstanding balance of purchased or participation interests in commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400H3 $1.1M
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $596K
Outstanding balance of all member and non-member commercial loans 400T1 $1.7M
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 500.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 300.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 380.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 650.00%
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Purchased 691L8 $1.1M
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $52K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $2.2M
Total Outstanding Balance of real estate secured nonmember commercial loans 718A4 $1.1M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $1.1M
NCUA form-section FS220M (12 items)

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

Local 804 Federal Credit Union, NCUA form-section FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $2.3M
Total Unfunded Commitments for Non-Commercial Loans 816T $2.3M
Total number of member commercial loans 900A1 $1
Total number of nonmember commercial loans 900B1 $2
Number of Member Unsecured Commercial Loans 900C5 1
Number of purchased or participation interests in commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900H3 2
Total number of real estate secured nonmember commercial loans 900K3 $2
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 2
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 1
Total Number of Member and Nonmember commercial loans 900T1 $3
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 13
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 8
NCUA form-section FS220N (4 items)

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

Local 804 Federal Credit Union, NCUA form-section FS220N, Q2 2026
Line item Account Q2 2026
Equity Securities >5 and <= 10 Years AS0053 $1.4M
Total Liabilities LI0069 $15.6M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $41K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $22.5M
NCUA form-section FS220P (16 items)

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

Local 804 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 $65K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $8K
Unsecured Credit Card Loans DL0002 $4K
All Other Unsecured Loans/Lines of Credit DL0022 $88K
All Other Unsecured Loans/Lines of Credit DL0023 $9K
All Other Unsecured Loans/Lines of Credit DL0024 $55K
All Other Unsecured Loans/Lines of Credit DL0025 $34K
All Other Unsecured Loans/Lines of Credit DL0027 $99K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $20
New Vehicle Loans DL0030 $3K
Used Vehicle Loans DL0037 $231
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0061 $311K
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 $311K
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 $1
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $17K
Amount of Consumer Loans in Non-Accrual Status DL0145 $123K
NCUA form-section FS220Q (23 items)

investment portfolio detail (69%)

Local 804 Federal Credit Union, NCUA form-section FS220Q, Q2 2026
Line item Account Q2 2026
Trading Investments - Equity Securities - Registered Investment Companies NV0107 $1.4M
Trading Investments - Equity Securities - Total Equity Securities NV0109 $1.4M
Total Trading Debt and Equity Securities NV0110 $1.4M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $2.6M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $2.9M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $800K
Investment Maturity Distribution - Time Deposits - Total NV0116 $6.3M
Investment Maturity Distribution - Equity Securities - Total NV0122 $1.4M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - <=1 Year NV0141 $469K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >3-5 Years NV0143 $308K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >5-10 Years NV0144 $17K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $794K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $3.1M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $2.9M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $1.1M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $1.4M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $8.4M
RBC Total Equity RB0001 $6.9M
RBC Allowance for Credit Losses RB0002 $273K
RBC Total Additions RB0005 $273K
RBC Total Deductions RB0009 $152K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $7.0M
RBC Risk-Based Capital Numerator RB0012 $7.0M
NCUA form-section FS220R (27 items)

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

Local 804 Federal Credit Union, NCUA form-section FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $2.2M
RBC Schedule Total Consumer Loans RB0060 $9.6M
RBC Schedule Total Commercial Loans RB0068 $1.7M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $273K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $273K
RBC Schedule Total Loans RB0079 $13.2M
RBC Total for Risk Weighting Total Loans RB0081 -$273K
RBC Total Loans 0% Weight RB0082 -$273K
RBC Schedule Total Other Assets RB0088 $549K
RBC Total for Risk Weighting Other Assets RB0090 $152K
RBC Other Assets 0% Weight RB0091 $152K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $22.5M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 -$121K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 -$121K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $22.5M
RBC Allowance for Credit Losses (Loans) RB0177 $273K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 12.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 2,011,202.00%
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 236,734.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $2.2M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $13
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $2.2M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $4K
Total Shares SH0013 $15.6M
Total Shares and Deposits SH0018 $15.6M
Total Non-Member Deposits SH0880 $2K

Local 804 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 Local 804 Federal Credit Union call report?

The Local 804 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 Local 804 Federal Credit Union file?

Local 804 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 Local 804 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 Local 804 Federal Credit Union is 23144.

How often does Local 804 Federal Credit Union file a call report?

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

Local 804 Federal Credit Union financials and ratios →

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