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McCoy Federal Credit Union Call Report

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McCoy Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 508 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

McCoy Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number9915
Federal Reserve RSSD ID4080

The official copy: search charter number 9915 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

McCoy Federal Credit Union call report, Q2 2026

Statement of Financial Condition (36 items)
McCoy Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $6.3M
1b. Cash Items in Process of Collection AS0005 $1.0M
1c. Total Cash on Hand 730A $7.3M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $80.9M
2b. Cash on Deposit in Federal Reserve Bank AS0003 $1.3M
2c. Cash on Deposit in Other Financial Institutions 730B2 $3.2M
2. Cash on Deposit (total) 730B $85.4M
3. Time Deposits in Banks and Credit Unions AS0007 $248K
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $93.0M
8. Available-for-Sale Debt Securities AS0067 $151.7M
9. Held-to-Maturity Debt Securities AS0073 $3.5M
11. TOTAL INVESTMENT SECURITIES AS0013 $155.2M
12b. Perpetual Contributed Capital 769B $1.0M
12c. All Other Investments AS0016 $2.1M
13. TOTAL OTHER INVESTMENTS AS0017 $3.2M
15a. Number of Total Loans and Leases 025A 33,726
15b. Total Loans and Leases 025B $707.1M
17. ACL on Loans and Leases AS0048 $13.0M
19. Land and Building 007 $28.0M
20. Other Fixed Assets 008 $3.7M
21. NCUA Share Insurance Capitalization Deposit 794 $8.4M
22d. Accrued Interest on Loans 009A $2.5M
22e. Accrued Interest on Investments 009B $479K
22f. All Other Assets 009C $32.9M
22g. Total Other Assets AS0036 $35.9M
23. TOTAL ASSETS 010 $1.02B
Accounts Payable and Other Liabilities 825 $6.8M
ACL on Off-Balance-Sheet Exposures LI0003 $33K
Borrowings (total) 860C $30.0M
Member Shares of All Types 013 $900.7M
Total Shares and Deposits 018 $900.7M
Undivided Earnings 940 $97.7M
Other Reserves 658 $4.2M
Total Net Worth 997 $106.8M
Net Worth Ratio 998 10.45%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $1.02B
Statement of Income and Expense (26 items)
McCoy Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $19.2M
3. Income from Investments 120 $3.4M
5. TOTAL INTEREST INCOME 115 $22.5M
6. Dividends on Shares 380 $5.3M
8. Interest on Borrowed Money 340 $773K
9. TOTAL INTEREST EXPENSE 350 $6.1M
10. NET INTEREST INCOME IS0010 $16.4M
12a. Credit Loss Expense - Loans and Leases IS0011 $3.2M
12d. Credit Loss Expense - Off-Balance-Sheet IS0016 $5K
12e. Total Credit Loss Expense IS0017 $3.2M
13. Fee Income 131 $5.0M
14. Other Operating Income IS0020 $3.0M
18. Gain (Loss) on Disposition of Fixed Assets 430 -$6K
22. Other Non-Operating Income 440 $36K
23. TOTAL NON-INTEREST INCOME 117 $8.0M
24. Employee Compensation and Benefits 210 $7.6M
25. Travel and Conference 230 $213K
26. Office Occupancy 250 $1.4M
27. Office Operations 260 $3.7M
28. Educational and Promotional 270 $628K
29. Loan Servicing 280 $2.4M
30. Professional and Outside Services 290 $2.3M
32. Operating Fees 320 $82K
33. Miscellaneous Operating Expense 360 $945K
34. TOTAL NON-INTEREST EXPENSE 671 $19.3M
35. NET INCOME 661A $2.0M
Statement pages - all other filed accounts (25 items)

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

McCoy 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 $7.8M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $1.7M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $856K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $228K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $217K
Loans Granted Year-to-Date 031A $4K
Amount of Loans Granted Year-to-Date 031B $158.0M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $4.2M
Number of current members (not number of accounts) 083 81,427
Number of potential members 084 2,957,672
Net Member Business Loan Balance 400A $35.3M
Interest Rate of Unsecured Credit Card Loans 521 1,300.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 799.00%
Interest Rate of New Vehicle Loans 523 540.00%
Interest Rate of Used Vehicle Loans 524 650.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $3.2M
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $984K
Total Amount of All Other Shares 630 $359K
Amount of Regular Shares 657 $394.9M
Amount of Share Drafts 902 $197.5M
IRA/KEOGH Accounts - < 1 Year 906A $32.4M
Share Certificates - < 1 Year 908A $229.5M
Total Amount of Share Certificates 908C $242.4M
Total Amount of Money Market Shares 911 $32.4M
Number of Used Vehicle Loans 968 7,974
NCUA form-section FS220A (29 items)

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

McCoy Federal Credit Union, NCUA form-section FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $887.0M
Total Shares - 1-3 Years 013B1 $9.0M
Total Shares - > 3 Years 013B2 $4.7M
Total Shares and Deposits - < 1 Year 018A $887.0M
Total Shares and Deposits - 1-3 Years 018B1 $9.0M
Total Shares and Deposits - > 3 Years 018B2 $4.7M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 138
Amount of Delinquent Indirect Loans 041E $1.4M
Effective date of last audit 063 $92K
Amount of Used Vehicle Loans 370 $170.9M
Amount of New Vehicle Loans 385 $281.5M
Amount of Unsecured Credit Card Loans 396 $17.1M
Amount of All Other Unsecured Loans/Lines of Credit 397 $20.9M
Share Certificates 451 $5K
Number of Accounts for Share Drafts 452 42,027
IRA/KEOGH Accounts 453 $2K
Number of Accounts for Regular Shares 454 90,423
All other shares 455 $107
Money Market Shares 458 $2K
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 141,280
Number of credit union employees who are Full-Time (26 hours or more) 564A 203
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 24
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $5.6M
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,694.00%
Number of Outstanding Indirect Loans 617A 13,918
Total Amount of Outstanding Indirect Loans 618A $385.9M
Total credit lines 881 $221.7M
Draws against lines of credit, less than 1 year 883A $30.0M
Draws against lines of credit, total amount 883C $30.0M
NCUA form-section FS220B (27 items)

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

McCoy Federal Credit Union, NCUA form-section FS220B, Q2 2026
Line item Account Q2 2026
Number - Total Delinquent Credit Card Loans 045A 20
Total Amount of Delinquent Unsecured Credit Card Loans 045B $82K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $51.5M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $51.5M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $849.2M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $62K
All other shares - < 1 Year 630A $359K
Amount of Regular Shares - < 1 Year 657A $394.9M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $451K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $148K
Fair value of Held to Maturity Securities 801 $3.4M
Total Borrowings - < 1 Year 860A $30.0M
Is your credit union a member of a Federal Home Loan Bank? 896 $1
Amount of Share Drafts - < 1 Year 902A $197.5M
IRA/KEOGH Accounts - 1-3 Years 906B1 $486K
IRA/KEOGH Accounts - > 3 Years 906B2 $291K
Total Amount of IRA/KEOGH Accounts 906C $33.2M
Share Certificates - 1-3 Years 908B1 $8.5M
Share Certificates - > 3 Years 908B2 $4.4M
Money Market Shares - < 1 Year 911A $32.4M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $2.1M
Number of New Vehicle Loans 958 9,434
Total Shares 966 $141K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $1.7M
Number of Unsecured Credit Card Loans 993 9,916
Number of All Other Unsecured Loans/Lines of Credit 994 3,963
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 25
NCUA form-section FS220C (9 items)

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

McCoy 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 $1.4M
Total Amount of All Participation Loans Charged Off Year-to-Date 550F $92K
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $188K
Total Amount of All Year-to-Date Recoveries on Charged-Off Participation Loans 551F $98K
Number of credit union branches (include the main office if member services are conducted at that location) 566 15
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $149.4M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $12.8M
Amount of Participation Loans Purchased Year-to-Date 690 $9.9M
NCUA form-section FS220D (32 items)

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

McCoy 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
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
Financial Counseling 879B1 $1
Financial Education 879B2 $1
Financial Literacy Workshops 879B3 $1
First Time Homebuyer Program 879B4 $1
Credit Management and Repair 879B6 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Credit Builder 879D1 $1
Mortgage Processing 879G $1
Approved Mortgage Seller 879H $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
Point-of-sale-Processing PI0012 $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 (8 items)

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

McCoy Federal Credit Union, NCUA form-section FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $4.9M
Total Outstanding Amount of Participation Loans Purchased By Type 691L $55.9M
Outstanding Amount of Real Estate Participation Loans Purchased 691L2 $15.0M
Total Value of Investments in CUSOs 851 $1.1M
Assets Pledged to Secure Borrowings 878 $258.8M
Total Credit Lines at Corporate Credit Unions 884 $30.0M
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $4.9M
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $4.9M
NCUA form-section FS220H (3 items)

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

McCoy Federal Credit Union, NCUA form-section FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $85.3M
Total number of TDR loans outstanding 1000F $1
Total amount of TDR loans outstanding 1001F $86K
NCUA form-section FS220I (20 items)

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

McCoy 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 $3.5M
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $2.9M
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $373K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $370K
Amount of New Vehicle Loans Delinquent 180 to 359 days 022C1 $158K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $26K
Number of Reportable Delinquent New Vehicle Loans 035E1 31
Number of Reportable Delinquent Used Vehicle Loans 035E2 38
Amount of Reportable Delinquent New Vehicle Loans 041C1 $966K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $674K
Amount of New Vehicle Loans YTD Charge Offs 550C1 $671K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $995K
Amount of New Vehicle Loans YTD Recoveries 551C1 $163K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $139K
Commercial Share Accounts 643 $39.7M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $592K
Draws Against LOCs from FHLB 885A3 $30.0M
Total Draws Againts LOCs 885A4 $30.0M
Amount of Grants Awarded Year-to-Date 926 $150K
Amount of Grants Received Year-to-Date 927 $150K
NCUA form-section FS220J (2 items)

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

McCoy Federal Credit Union, NCUA form-section FS220J, Q2 2026
Line item Account Q2 2026
Other Assets - Other Insurance 789E2 $12.0M
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $12.0M
NCUA form-section FS220L (48 items)

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

McCoy Federal Credit Union, NCUA form-section FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $34K
Total Amount of Loans & Leases on Loan Schedule 025B1 $707.1M
Total number of commercial loans to members granted or purchased YTD 090A1 $8
Number of Member Unsecured Commercial Loans granted or purchased YTD 090C5 1
Number of Member Unsecured Revolving Lines of Credit granted for Commercial Purposes granted or purchased YTD 090C6 2
Total Number of member commercial real estate secured loans granted or purchased YTD 090K2 $3
Number of Member Commercial and industrial loans granted or purchased YTD 090L2 2
Number of member construction and development commercial loans 143A3 5
Outstanding balance of member construction and development commercial loans 143B3 $10.7M
Number of member construction and development commercial loans granted or purchased YTD 143C3 3
Dollar Amount of member construction and development commercial loans granted or purchased YTD 143D3 $978K
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $50.7M
Amount of All Other Real Estate Loans/Lines of Credit 386B $51K
Total outstanding balance of commercial loans to members 400A1 $36.6M
Total outstanding balance of nonmember commercial loans 400B1 $32.3M
Outstanding balance of Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 400C6 $765K
Outstanding balance of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 400H2 $11.7M
Outstanding balance of purchased or participation interests in commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400H3 $3.7M
Outstanding balance of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 400J2 $9.9M
Outstanding balance of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400J3 $3.6M
Outstanding balance of Member Commercial and Industrial loans 400L2 $3.6M
Outstanding balance of purchased or participation interests in Commercial and Industrial loans to nonmembers 400L3 $20.3M
Outstanding balance of purchased or participation interests in commercial loans to nonmembers Secured by Multifamily Property 400M1 $4.7M
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $24.7M
Outstanding balance of all member and non-member commercial loans 400T1 $68.9M
Total Dollar amount of member commercial loans granted or purchased YTD 475A1 $1.2M
Dollar Amount of Member Unsecured Commercial Loans granted or purchased YTD 475C5 $51K
Dollar Amount of Member Commercial Unsecured Revolving Lines of Credit Granted or purchased YTD 475C6 $83K
Total Dollar amount of real estate secured member commercial loans granted or purchased YTD 475K2 $978K
Dollar Amount of Member Commercial and Industrial loans granted or purchased YTD 475L2 $81K
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 575.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 900.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 400.00%
Interest Rate of All Other Real Estate Loans/Lines of Credit 562B 650.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 300.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 450.00%
Number of Commercial Small Business Administration Loans Outstanding 691B1 7
Outstanding Balance of Commercial Small Business Administration Loans 691C1 $3.3M
Guaranteed Portion of Commercial Small Business Administration Loans 691C2 $3.3M
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Purchased 691L8 $32.3M
Number of Commercial Other Government Guaranteed Loans Outstanding 691P 15
Outstanding Balance of Commercial Other Government Guaranteed Loans 691P1 $5.4M
Guaranteed Portion of Commercial Other Government Guaranteed Loans 691P2 $5.4M
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $14.4M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $82.8M
Total Outstanding Balance of real estate secured member commercial loans 718A3 $32.3M
Total Outstanding Balance of real estate secured nonmember commercial loans 718A4 $12.0M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $44.2M
NCUA form-section FS220M (26 items)

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

McCoy 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 $14.6M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $61.7M
Total Unfunded Commitments for Commercial Loans 814K $4.2M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $2.1M
Total Other Unfunded Commitments (Non-Commercial) 816B5 $468K
Total Unfunded Commitments for Non-Commercial Loans 816T $81.0M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $2.0M
Total number of member commercial loans 900A1 $89
Total number of nonmember commercial loans 900B1 $51
Number of Member Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 900C6 21
Number of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 900H2 21
Number of purchased or participation interests in commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900H3 6
Number of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 900J2 18
Number of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900J3 3
Total number of real estate secured member commercial loans 900K2 $44
Total number of real estate secured nonmember commercial loans 900K3 $10
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 54
Number of Member Commercial and Industrial loans 900L2 24
Number of purchased or Participation Interest in Commercial and Industrial loans to nonmembers 900L3 41
Number of purchased or participation interests in commercial loans Secured by Multifamily Property to nonmembers 900M1 1
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 86
Total Number of Member and Nonmember commercial loans 900T1 $140
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 523
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 864
Number of All Other Real Estate Loans/Lines of Credit 960B 4
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 908
NCUA form-section FS220N (16 items)

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

McCoy Federal Credit Union, NCUA form-section FS220N, Q2 2026
Line item Account Q2 2026
Available-for-sale Debt Securities <=1 Year AS0062 $9.9M
Available-for-sale Debt Securities >1 and <=3 Years AS0063 $20.5M
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $47.6M
Available-for-sale Debt Securities >5 and <= 10 Years AS0065 $73.8M
Held-to-Maturity Debt Securities <=1 Year AS0068 $2.5M
Held-to-Maturity Debt Securities >1 and <=3 Years AS0069 $500K
Held-to-Maturity Debt Securities >3 and <=5 Years AS0070 $500K
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$22.8M
Total Liabilities LI0069 $937.5M
Number of Non-Commercial Small Business Administration Loans LN0050 2
Outstanding Balance of Non-Commercial Small Business Administration Loans LN0051 $2K
Guaranteed Portion of Non-Commercial Small Business Administration Loans LN0052 $2K
Number of Small Business Administration Paycheck Protection Program Loans LN0056 2
Outstanding Balance of Small Business Administration Paycheck Protection Program Loans LN0057 $2K
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $24K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $1.02B
NCUA form-section FS220P (50 items)

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

McCoy 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 $915K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $472K
Loan Loss Information - YTD Charge Offs - All Other Secured Non-Real Estate Loans/Lines of Credit CH0015 $72K
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $17K
Loan Loss Information - YTD Recoveries - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien CH0020 $17K
Loan Loss Information - YTD Charge Offs - Commercial Loans/Lines of Credit - Commercial and Industrial Loans CH0035 $18K
Loan Loss Information - YTD Recoveries - Commercial Loans/Lines of Credit - Commercial and Industrial Loans CH0036 $650
Loan Loss Information - YTD Charge Offs - Commercial Loans/Lines of Credit - Unsecured Commercial Loans CH0037 $7K
Loan Loss Information - YTD Recoveries - Commercial Loans/Lines of Credit - Unsecured Commercial Loans CH0038 $11K
Loan Loss Information - YTD Charge Offs - Commercial Loans/Lines of Credit - Unsecured Revolving Lines of Credit for Commercial Purposes CH0039 $35K
Loan Loss Information - YTD Recoveries - Commercial Loans/Lines of Credit - Unsecured Revolving Lines of Credit for Commercial Purposes CH0040 $16K
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $22.1M
Unsecured Credit Card Loans DL0002 $82K
All Other Unsecured Loans/Lines of Credit DL0022 $316K
All Other Unsecured Loans/Lines of Credit DL0023 $161K
All Other Unsecured Loans/Lines of Credit DL0027 $161K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $29
New Vehicle Loans DL0030 $434K
Used Vehicle Loans DL0037 $277K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $242K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $7K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $88K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $96K
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 - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $150K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $514K
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0061 $228K
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 $892K
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 $6
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $532K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0065 $238K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0066 $398K
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0067 $126K
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 $761K
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 $10
Dollar Amount of Reportable Delinquency - 30 - 59 Days Delinquent - Commercial Loans/Lines of Credit Secured by Owner Occupied, Non-Farm, Non-Residential Property DL0099 $65K
Dollar Amount of Reportable Delinquency - 180 - 359 Days Delinquent - Commercial Loans/Lines of Credit Secured by Owner Occupied, Non-Farm, Non-Residential Property DL0102 $547K
Total Dollar Amount of Reportable Delinquency - Commercial Loans/Lines of Credit Secured by Owner Occupied, Non-Farm, Non-Residential Property DL0104 $547K
Total Number of Reportable Delinquent Loans - Commercial Loans/Lines of Credit Secured by Owner Occupied, Non-Farm, Non-Residential Property DL0105 $1
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $1.3M
Amount of reportable delinquency included in Total Delinquent Loans and Leases (Account 041B), that relates to: Participation Loans Purchased under 701.22 DL0142 $765K
Amount of Consumer Loans in Non-Accrual Status DL0145 $2.8M
Number of Indirect Loans - New and Used Vehicle Loans IN0001 13,692
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $379.5M
Number of Indirect Loans - All Other Loans IN0007 226
Amount of Indirect Loans - All Other Loans IN0008 $6.5M
Off-Balance Sheet Exposures - Totally Unconditionally Cancelable Unfunded Commitments for All Loan Types LQ0013 $65.9M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Commercial Loans LQ0014 $4.2M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Secured and Real Estate LQ0015 $15.1M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments -Total LQ0017 $19.3M
NCUA form-section FS220Q (45 items)

investment portfolio detail (69%)

McCoy 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 $61.9M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Federal Home Loan Bank LQ0043 $103.9M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - FRB LQ0047 $154.9M
Total Borrowings LQ0860 $30.0M
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0013 $3.5M
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0014 $3.4M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0015 $109.4M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0016 $97.2M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0019 $65.1M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0020 $54.5M
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0021 $3.5M
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0022 $3.4M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0023 $174.5M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0024 $151.7M
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $3.5M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $174.5M
Total Fair Value Available-for-Sale Debt Securities NV0084 $151.7M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $248K
Investment Maturity Distribution - Time Deposits - Total NV0116 $248K
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $151.7M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $3.5M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $2.1M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $1.0M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $3.2M
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $12.6M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $23.1M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $48.1M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $73.8M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $1.0M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $158.6M
RBC Total Equity RB0001 $106.8M
RBC Allowance for Credit Losses RB0002 $13.1M
RBC Total Additions RB0005 $13.1M
RBC Total Deductions RB0009 $8.4M
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $111.4M
RBC Risk-Based Capital Numerator RB0012 $111.4M
RBC Total for Risk Weighting Cash and Deposits in Financial Institutions or Reserve Banks RB0014 $93.0M
RBC Cash and Deposits in Financial Institutions or Reserve Banks 0% Weight RB0015 $7.6M
RBC Cash, Cash Equivalents, Deposits in Financial Institutions or Reserve Banks 20% Weight RB0016 $85.4M
RBC Total for Risk Weighting Securities RB0019 $155.2M
RBC Securities 0% Weight RB0020 $4.7M
RBC Securities 20% Weight RB0021 $150.5M
Participation Loans: Participations Purchased - Outstanding Balance - Amount - Vehicle - Non-commercial SL0036 $6.9M
Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - 1- to 4-Family Residential Property SL0045 $9.9M
Participation Loans: Participations Purchased - Outstanding Balance - Amount - All Other SL0056 $1.8M
NCUA form-section FS220R (101 items)

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

McCoy Federal Credit Union, NCUA form-section FS220R, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Total Borrowing Capacity at Federal Reserve Bank LQ0061 $129.8M
CCULR Off-Balance sheet exposures LR0002 $19.3M
CCULR Off-Balance sheet exposures ratio LR0003 189.00%
CECL Transition Provision (as determined under 702.703(c)) NW0004 $8K
RBC Total for Risk Weighting Other Investments RB0029 $3.2M
RBC Other Investments 0% Weight RB0030 $2.1M
RBC Other Investments 150% Weight RB0033 $1.0M
RBC Schedule Total Investments RB0039 $158.4M
RBC Total for Risk Weighting Total Investments RB0041 $158.4M
RBC Total Investments 0% Weight RB0042 $6.9M
RBC Total Investments 20% Weight RB0043 $150.5M
RBC Total Investments 150% Weight RB0046 $1.0M
RBC Total for Risk Weighting First Lien Residential Real Estate Loans RB0052 $82.8M
RBC First Lien Residential Real Estate Loans 50% Weight RB0053 $82.1M
RBC First Lien Residential Real Estate Loans 100% Weight RB0055 $742K
RBC Total for Risk Weighting Junior Lien Residential Real Estate Loans RB0057 $50.7M
RBC Junior Lien Residential Real Estate Loans 100% Weight RB0058 $50.2M
RBC Junior Lien Residential Real Estate Loans 150% Weight RB0059 $523K
RBC Schedule Total Consumer Loans RB0060 $504.7M
RBC Adjustments to Consumer Loans RB0061 -$2.7M
RBC Total for Risk Weighting Consumer Loans RB0062 $502.1M
RBC Consumer Loans 0% Weight RB0063 $3.5M
RBC Consumer Loans 75% Weight RB0065 $461.0M
RBC Consumer Loans 100% Weight RB0066 $36.6M
RBC Consumer Loans 150% Weight RB0067 $1.0M
RBC Schedule Total Commercial Loans RB0068 $68.9M
RBC Adjustments to Commercial Loans RB0069 $2.7M
RBC Total for Risk Weighting Commercial Loans RB0070 $71.6M
RBC Commercial Loans 0% Weight RB0071 $2K
RBC Commercial Loans 100% Weight RB0073 $71.0M
RBC Commercial Loans 150% Weight RB0074 $547K
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $13.0M
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $13.0M
RBC Schedule Total Loans RB0079 $694.1M
RBC Total for Risk Weighting Total Loans RB0081 $694.1M
RBC Total Loans 0% Weight RB0082 -$9.5M
RBC Total Loans 50% Weight RB0084 $82.1M
RBC Total Loans 75% Weight RB0085 $461.0M
RBC Total Loans 100% Weight RB0086 $158.6M
RBC Total Loans 150% Weight RB0087 $2.1M
RBC Schedule Total Other Assets RB0088 $76.0M
RBC Total for Risk Weighting Other Assets RB0090 $76.0M
RBC Other Assets 0% Weight RB0091 $8.4M
RBC Other Assets 100% Weight RB0092 $67.6M
RBC Total from Schedule On-Balance Sheet Assets RB0099 $1.02B
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $1.02B
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $13.3M
RBC Total Risk Weighted On-Balance Sheet Assets 20% Weight RB0102 $235.9M
RBC Total Risk Weighted On-Balance Sheet Assets 50% Weight RB0103 $82.1M
RBC Total Risk Weighted On-Balance Sheet Assets 75% Weight RB0104 $461.0M
RBC Total Risk Weighted On-Balance Sheet Assets 100% Weight RB0105 $226.2M
RBC Total Risk Weighted On-Balance Sheet Assets 150% Weight RB0106 $3.1M
RBC Schedule Total Risk Weighted Assets - On-Balance Sheet RB0112 $664.7M
RBC Total Risk Weighted Assets - On-Balance Sheet 20% Weight RB0113 $47.2M
RBC Total Risk Weighted Assets On-Balance Sheet 50% Weight RB0114 $41.0M
RBC Total Risk Weighted Assets On-Balance Sheet 75% Weight RB0115 $345.7M
RBC Total Risk Weighted Assets On-Balance Sheet 100% Weight RB0116 $226.2M
RBC Total Risk Weighted Assets On-Balance Sheet 150% Weight RB0117 $4.7M
RBC Unfunded Commitment Commercial Loans Credit Equivalent Amount RB0123 $2.1M
RBC Unfunded Commitment Commercial Loans 100% Weight RB0124 $2.1M
RBC Unfunded Commitment Secured Consumer Loans Credit Equivalent Amount RB0125 $1.5M
RBC Unfunded Commitment Secured Consumer Loans 75% Weight RB0127 $47K
RBC Unfunded Commitment Secured Consumer Loans 100% Weight RB0128 $1.5M
RBC Total Off-Balance Sheet and Derivative Credit Equivalent Amount RB0153 $3.6M
RBC Total Off-Balance Sheet and Derivative 75% Weight RB0159 $47K
RBC Total Off-Balance Sheet and Derivative 100% Weight RB0160 $3.6M
RBC Total Risk-Weighted Assets Off-Balance-Sheet and Derivative RB0162 $3.6M
RBC Total Risk-Weighted Assets Off-Balance-Sheet and Derivative 75% Weight RB0167 $35K
RBC Total Risk-Weighted Assets Off-Balance-Sheet and Derivative 100% Weight RB0168 $3.6M
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $1.03B
RBC Total Risk-Weighted Assets RB0171 $668.4M
RBC Total Risk Based Capital Ratio RB0172 1,667.00%
RBC Allowance for Credit Losses (Loans) RB0177 $13.0M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 379.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 65,188,285.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 804,100.00%
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 144.00%
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 17,611,074.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 2,950,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $82.8M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $3.8M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 405.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 26,531,538.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 2,413,500.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Fixed Rate RL0024 290.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Fixed Rate RL0025 12,982,229.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Fixed Rate RL0026 2,276,500.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 169.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 11,175,654.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 9,986,075.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $50.7M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $14.7M
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Number of Loans Outstanding RL0032 4.00%
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Amount of Loans Outstanding RL0033 50,913.00%
All Other (Non-commercial) Real Estate - Amount of Loans Outstanding - Total RL0044 $51K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $1K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $133.5M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $18.4M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $13.8M
Total Shares SH0013 $900.7M
Total Shares and Deposits SH0018 $900.7M
NCUA form-section FS220S (5 items)

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

McCoy 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
Unsecured personal loans PP0041 $1
Person-to-Person payments PP0045 $1
Located in Metropolitan Statistical Area (MSA) PR0001 $1
home purchase loan or refinanced a home purchase loan PR0002 $1

McCoy 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 McCoy Federal Credit Union call report?

The McCoy 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 McCoy Federal Credit Union file?

McCoy 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 McCoy 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 McCoy Federal Credit Union is 9915.

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

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

McCoy Federal Credit Union financials and ratios →

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