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Credit union call report ยท Huron, SD

M O Federal Credit Union Call Report

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M O Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 254 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

M O Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number7020
Federal Reserve RSSD ID254380

The official copy: search charter number 7020 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

M O Federal Credit Union call report, Q2 2026

Statement of Financial Condition (30 items)
M O Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $342K
1c. Total Cash on Hand 730A $342K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $1.1M
2c. Cash on Deposit in Other Financial Institutions 730B2 $5
2. Cash on Deposit (total) 730B $1.1M
3. Time Deposits in Banks and Credit Unions AS0007 $12.6M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $14.0M
9. Held-to-Maturity Debt Securities AS0073 $4.2M
11. TOTAL INVESTMENT SECURITIES AS0013 $4.2M
12b. Perpetual Contributed Capital 769B $25K
13. TOTAL OTHER INVESTMENTS AS0017 $25K
15a. Number of Total Loans and Leases 025A 950
15b. Total Loans and Leases 025B $21.8M
17. ACL on Loans and Leases AS0048 $77K
19. Land and Building 007 $310K
20. Other Fixed Assets 008 $91K
21. NCUA Share Insurance Capitalization Deposit 794 $356K
22d. Accrued Interest on Loans 009A $88K
22e. Accrued Interest on Investments 009B $94K
22f. All Other Assets 009C $44K
22g. Total Other Assets AS0036 $225K
23. TOTAL ASSETS 010 $40.9M
Accounts Payable and Other Liabilities 825 $154K
Accrued Dividends and Interest Payable 820A $107K
Member Shares of All Types 013 $34.8M
Total Shares and Deposits 018 $34.8M
Undivided Earnings 940 $5.8M
Total Net Worth 997 $5.8M
Net Worth Ratio 998 14.12%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $40.9M
Statement of Income and Expense (23 items)
M O Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $570K
3. Income from Investments 120 $373K
5. TOTAL INTEREST INCOME 115 $943K
6. Dividends on Shares 380 $232K
8. Interest on Borrowed Money 340 $7
9. TOTAL INTEREST EXPENSE 350 $232K
10. NET INTEREST INCOME IS0010 $711K
12a. Credit Loss Expense - Loans and Leases IS0011 $50K
12e. Total Credit Loss Expense IS0017 $50K
13. Fee Income 131 $38K
14. Other Operating Income IS0020 $34K
23. TOTAL NON-INTEREST INCOME 117 $72K
24. Employee Compensation and Benefits 210 $311K
25. Travel and Conference 230 $6K
26. Office Occupancy 250 $27K
27. Office Operations 260 $117K
28. Educational and Promotional 270 $7K
29. Loan Servicing 280 $11K
30. Professional and Outside Services 290 $4K
32. Operating Fees 320 $2K
33. Miscellaneous Operating Expense 360 $9K
34. TOTAL NON-INTEREST EXPENSE 671 $495K
35. NET INCOME 661A $238K
Statement pages - all other filed accounts (19 items)

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

M O 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 - 2 to less than 6 months delinquent 021B $40K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $2K
Loans Granted Year-to-Date 031A $80
Amount of Loans Granted Year-to-Date 031B $1.9M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $65K
Number of current members (not number of accounts) 083 1,746
Number of potential members 084 3,500
Interest Rate of Unsecured Credit Card Loans 521 1,290.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 966.00%
Interest Rate of New Vehicle Loans 523 595.00%
Interest Rate of Used Vehicle Loans 524 706.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $45K
Amount of Regular Shares 657 $13.0M
Amount of Share Drafts 902 $8.6M
IRA/KEOGH Accounts - < 1 Year 906A $1.9M
Share Certificates - < 1 Year 908A $9.3M
Total Amount of Share Certificates 908C $10.3M
Total Amount of Money Market Shares 911 $850K
Number of Used Vehicle Loans 968 205
NCUA data file FS220A (22 items)

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

M O Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $33.7M
Total Shares - 1-3 Years 013B1 $1.1M
Total Shares - > 3 Years 013B2 $78K
Total Shares and Deposits - < 1 Year 018A $33.7M
Total Shares and Deposits - 1-3 Years 018B1 $1.1M
Total Shares and Deposits - > 3 Years 018B2 $78K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 4
Effective date of last audit 063 $62K
Amount of Used Vehicle Loans 370 $4.2M
Amount of New Vehicle Loans 385 $1.4M
Amount of Unsecured Credit Card Loans 396 $169K
Amount of All Other Unsecured Loans/Lines of Credit 397 $416K
Share Certificates 451 $524
Number of Accounts for Share Drafts 452 1,051
IRA/KEOGH Accounts 453 $194
Number of Accounts for Regular Shares 454 2,259
Money Market Shares 458 $26
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 4,054
Number of credit union employees who are Full-Time (26 hours or more) 564A 6
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $61K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,635.00%
Total credit lines 881 $1.2M
NCUA data file FS220B (18 items)

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

M O Federal Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $458K
Total Uninsured Shares and Deposits > $250K (F+J) 068A $458K
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $34.4M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $62K
Amount of Regular Shares - < 1 Year 657A $13.0M
Fair value of Held to Maturity Securities 801 $4.2M
Amount of Share Drafts - < 1 Year 902A $8.6M
IRA/KEOGH Accounts - 1-3 Years 906B1 $217K
Total Amount of IRA/KEOGH Accounts 906C $2.2M
Share Certificates - 1-3 Years 908B1 $877K
Share Certificates - > 3 Years 908B2 $78K
Money Market Shares - < 1 Year 911A $850K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $1.2M
Number of New Vehicle Loans 958 54
Total Shares 966 $4K
Number of Unsecured Credit Card Loans 993 89
Number of All Other Unsecured Loans/Lines of Credit 994 412
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 27
NCUA data file FS220C (5 items)

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

M O 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 1
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $3.7M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $648K
Outstanding balance of brokered certificates of deposit and share certificates 788 $14.0M
NCUA data file FS220D (23 items)

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

M O Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
First Time Homebuyer Program 879B4 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $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
Member Application 887A $1
Loan Application 887B $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
NCUA data file FS220G (1 item)

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

M O Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Credit Lines at Corporate Credit Unions 884 $1.2M
NCUA data file FS220H (4 items)

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

M O Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Interest Rate on Non-Federally Guaranteed Student Loans 595A 708.00%
Amount of Non-Federally Guaranteed Student Loans 698A $347K
Total Unfunded Commitments for all loan types 816A $1.0M
Number of Non-Federally Guaranteed Student Loans 963A 23
NCUA data file FS220I (5 items)

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

M O Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $40K
Number of Reportable Delinquent Used Vehicle Loans 035E2 3
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $63K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $45K
Commercial Share Accounts 643 $426K
NCUA data file FS220L (21 items)

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

M O Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $950
Total Amount of Loans & Leases on Loan Schedule 025B1 $21.8M
Total number of commercial loans to members granted or purchased YTD 090A1 $1
Number of Member Commercial and industrial loans granted or purchased YTD 090L2 1
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $1.8M
Total outstanding balance of commercial loans to members 400A1 $1.1M
Outstanding balance of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 400H2 $913K
Outstanding balance of Member Commercial and Industrial loans 400L2 $220K
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $220K
Outstanding balance of all member and non-member commercial loans 400T1 $1.1M
Total Dollar amount of member commercial loans granted or purchased YTD 475A1 $60K
Dollar Amount of Member Commercial and Industrial loans granted or purchased YTD 475L2 $60K
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 430.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 558.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 679.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 374.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 667.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $1.7M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $10.6M
Total Outstanding Balance of real estate secured member commercial loans 718A3 $913K
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $913K
NCUA data file FS220M (13 items)

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

M O Federal Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $834K
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $210K
Total Unfunded Commitments for Non-Commercial Loans 816T $1.0M
Total number of member commercial loans 900A1 $8
Number of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 900H2 3
Total number of real estate secured member commercial loans 900K2 $3
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 3
Number of Member Commercial and Industrial loans 900L2 5
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 5
Total Number of Member and Nonmember commercial loans 900T1 $8
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 65
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 16
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 78
NCUA data file FS220N (5 items)

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

M O Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Held-to-Maturity Debt Securities <=1 Year AS0068 $1.7M
Held-to-Maturity Debt Securities >1 and <=3 Years AS0069 $2.2M
Held-to-Maturity Debt Securities >3 and <=5 Years AS0070 $249K
Total Liabilities LI0069 $35.1M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $40.9M
NCUA data file FS220P (7 items)

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

M O Federal Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $913K
All Other Unsecured Loans/Lines of Credit DL0026 $2K
All Other Unsecured Loans/Lines of Credit DL0027 $2K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $1
Used Vehicle Loans DL0037 $23K
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $23K
Amount of Consumer Loans in Non-Accrual Status DL0145 $42K
NCUA data file FS220Q (21 items)

investment portfolio detail (69%)

M O Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Held-to-maturity Amortized Cost - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0077 $4.2M
Held-to-maturity Fair Value - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0078 $4.2M
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $4.2M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $6.3M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $4.7M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $1.5M
Investment Maturity Distribution - Time Deposits - Total NV0116 $12.6M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $4.2M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $25K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $25K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $8.0M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $7.0M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $1.7M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $25K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $16.8M
RBC Total Equity RB0001 $5.8M
RBC Allowance for Credit Losses RB0002 $77K
RBC Total Additions RB0005 $77K
RBC Total Deductions RB0009 $356K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $5.5M
RBC Risk-Based Capital Numerator RB0012 $5.5M
NCUA data file FS220R (37 items)

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

M O Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $4.2M
RBC Schedule Total Consumer Loans RB0060 $8.3M
RBC Schedule Total Commercial Loans RB0068 $1.1M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $77K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $77K
RBC Schedule Total Loans RB0079 $21.7M
RBC Total for Risk Weighting Total Loans RB0081 -$77K
RBC Total Loans 0% Weight RB0082 -$77K
RBC Schedule Total Other Assets RB0088 $983K
RBC Total for Risk Weighting Other Assets RB0090 $356K
RBC Other Assets 0% Weight RB0091 $356K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $40.9M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $279K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $279K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $40.9M
RBC Allowance for Credit Losses (Loans) RB0177 $77K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 1.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 310,651.00%
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 42.00%
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 6,226,797.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 17,422.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid >5 Years RL0007 $4
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0008 $444K
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 $18
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 $3.6M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Balloon/Hybrid 5 Years or Less RL0012 $32K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $10.6M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $50K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 16.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 1,768,299.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $1.8M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $81
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $12.3M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $50K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $6.5M
Total Shares SH0013 $34.8M
Total Shares and Deposits SH0018 $34.8M

M O 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 M O Federal Credit Union call report?

The M O 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 M O Federal Credit Union file?

M O 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 M O 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 M O Federal Credit Union is 7020.

How often does M O Federal Credit Union file a call report?

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

M O Federal Credit Union financials and ratios →

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