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Credit union call report ยท Morehead, KY

Morehead Community Federal Credit Union Call Report

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Morehead Community Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 243 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Morehead Community Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number23070
Federal Reserve RSSD ID33183

The official copy: search charter number 23070 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Morehead Community Federal Credit Union call report, Q2 2026

Statement of Financial Condition (31 items)
Morehead Community Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $636K
1c. Total Cash on Hand 730A $636K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $4.8M
2b. Cash on Deposit in Federal Reserve Bank AS0003 $26K
2. Cash on Deposit (total) 730B $4.9M
3. Time Deposits in Banks and Credit Unions AS0007 $25.9M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $31.4M
8. Available-for-Sale Debt Securities AS0067 $4.5M
11. TOTAL INVESTMENT SECURITIES AS0013 $4.5M
12b. Perpetual Contributed Capital 769B $74K
13. TOTAL OTHER INVESTMENTS AS0017 $74K
15a. Number of Total Loans and Leases 025A 1,806
15b. Total Loans and Leases 025B $27.9M
17. ACL on Loans and Leases AS0048 $243K
19. Land and Building 007 $515K
20. Other Fixed Assets 008 $111K
21. NCUA Share Insurance Capitalization Deposit 794 $517K
22d. Accrued Interest on Loans 009A $71K
22e. Accrued Interest on Investments 009B $110K
22f. All Other Assets 009C $95K
22g. Total Other Assets AS0036 $276K
23. TOTAL ASSETS 010 $65.1M
Accounts Payable and Other Liabilities 825 $267K
ACL on Off-Balance-Sheet Exposures LI0003 $3K
Member Shares of All Types 013 $56.0M
Total Shares and Deposits 018 $56.0M
Undivided Earnings 940 $8.5M
Net Income (equity) 602 $271K
Total Net Worth 997 $8.8M
Net Worth Ratio 998 13.49%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $65.1M
Statement of Income and Expense (22 items)
Morehead Community Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $962K
3. Income from Investments 120 $623K
5. TOTAL INTEREST INCOME 115 $1.6M
6. Dividends on Shares 380 $535K
9. TOTAL INTEREST EXPENSE 350 $535K
10. NET INTEREST INCOME IS0010 $1.0M
12a. Credit Loss Expense - Loans and Leases IS0011 $20K
12e. Total Credit Loss Expense IS0017 $20K
13. Fee Income 131 $310K
14. Other Operating Income IS0020 $19K
18. Gain (Loss) on Disposition of Fixed Assets 430 $5K
23. TOTAL NON-INTEREST INCOME 117 $334K
24. Employee Compensation and Benefits 210 $425K
26. Office Occupancy 250 $22K
27. Office Operations 260 $255K
28. Educational and Promotional 270 $5K
29. Loan Servicing 280 $7K
30. Professional and Outside Services 290 $97K
32. Operating Fees 320 $4K
33. Miscellaneous Operating Expense 360 $12K
34. TOTAL NON-INTEREST EXPENSE 671 $827K
35. NET INCOME 661A $536K
Statement pages - all other filed accounts (19 items)

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

Morehead Community 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 $1.0M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $12K
Loans Granted Year-to-Date 031A $322
Amount of Loans Granted Year-to-Date 031B $5.4M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $140K
Number of current members (not number of accounts) 083 4,475
Number of potential members 084 382,791
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 850.00%
Interest Rate of New Vehicle Loans 523 400.00%
Interest Rate of Used Vehicle Loans 524 450.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $90K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $60K
Amount of Regular Shares 657 $16.9M
Amount of Share Drafts 902 $8.2M
IRA/KEOGH Accounts - < 1 Year 906A $3.0M
Share Certificates - < 1 Year 908A $18.4M
Total Amount of Share Certificates 908C $22.4M
Total Amount of Money Market Shares 911 $4.1M
Number of Used Vehicle Loans 968 820
NCUA data file FS220A (20 items)

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

Morehead Community Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $50.6M
Total Shares - 1-3 Years 013B1 $5.5M
Total Shares and Deposits - < 1 Year 018A $50.6M
Total Shares and Deposits - 1-3 Years 018B1 $5.5M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 9
Effective date of last audit 063 $92K
Amount of Used Vehicle Loans 370 $11.4M
Amount of New Vehicle Loans 385 $3.0M
Amount of All Other Unsecured Loans/Lines of Credit 397 $1.8M
Share Certificates 451 $624
Number of Accounts for Share Drafts 452 2,850
IRA/KEOGH Accounts 453 $136
Number of Accounts for Regular Shares 454 5,146
Money Market Shares 458 $80
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 8,836
Number of credit union employees who are Full-Time (26 hours or more) 564A 10
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 2
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $31K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,585.00%
Total credit lines 881 $5.5M
NCUA data file FS220B (16 items)

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

Morehead Community 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 $3.0M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $3.0M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $53.0M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $92K
Amount of Regular Shares - < 1 Year 657A $16.9M
Amount of Share Drafts - < 1 Year 902A $8.2M
IRA/KEOGH Accounts - 1-3 Years 906B1 $1.5M
Total Amount of IRA/KEOGH Accounts 906C $4.5M
Share Certificates - 1-3 Years 908B1 $4.0M
Money Market Shares - < 1 Year 911A $4.1M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $8K
Number of New Vehicle Loans 958 122
Total Shares 966 $9K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $27K
Number of All Other Unsecured Loans/Lines of Credit 994 453
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 2
NCUA data file FS220C (5 items)

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

Morehead Community 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 $10.9M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $2.1M
Outstanding balance of brokered certificates of deposit and share certificates 788 $6.7M
NCUA data file FS220D (24 items)

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

Morehead Community Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
No Cost Share Drafts 879A4 $1
Financial Counseling 879B1 $1
Online Financial Literacy 879B7 $1
No Cost Bill Payer 879C2 $1
Payday Alternative Loans (PAL loans) (FCU Only) 879D9 $1
Brokered Certificates of Deposits 879N $1
International Remittances 879V $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
Offer Custodial Accounts PP0032 $1
Offer Non-Custodial Accounts PP0033 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA data file FS220G (1 item)

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

Morehead Community Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Credit Lines at Corporate Credit Unions 884 $5.5M
NCUA data file FS220H (4 items)

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

Morehead Community Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Amount of Payday Alternative Loans (PAL loans) 397A $25
Interest Rate of Payday Alternative Loans (PAL loans) 522A 2,800.00%
Total Unfunded Commitments for all loan types 816A $3.4M
Number of Payday Alternative Loans (PAL loans) 994A 1
NCUA data file FS220I (7 items)

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

Morehead Community Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $7K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $574K
Number of Reportable Delinquent Used Vehicle Loans 035E2 4
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $54K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $79K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $57K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $6K
NCUA data file FS220L (8 items)

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

Morehead Community Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $2K
Total Amount of Loans & Leases on Loan Schedule 025B1 $27.9M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $4.8M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 650.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 650.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 850.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $2.8M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $4.1M
NCUA data file FS220M (7 items)

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

Morehead Community Federal Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $2.6M
Total Other Unfunded Commitments (Non-Commercial) 816B5 $239K
Total Unfunded Commitments for Non-Commercial Loans 816T $3.4M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $553K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 100
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 117
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 193
NCUA data file FS220N (5 items)

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

Morehead Community Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Available-for-sale Debt Securities <=1 Year AS0062 $2.5M
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $2.0M
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$18K
Total Liabilities LI0069 $56.3M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $65.1M
NCUA data file FS220P (18 items)

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

Morehead Community Federal Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $11K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $3K
All Other Unsecured Loans/Lines of Credit DL0022 $34K
All Other Unsecured Loans/Lines of Credit DL0023 $505
All Other Unsecured Loans/Lines of Credit DL0024 $12K
All Other Unsecured Loans/Lines of Credit DL0027 $12K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $3
Used Vehicle Loans DL0037 $54K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $136K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $53K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $53K
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 - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $250K
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $11K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0065 $21K
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 $21K
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 $1
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $129K
NCUA data file FS220Q (24 items)

investment portfolio detail (69%)

Morehead Community Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0015 $4.5M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0016 $4.5M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0023 $4.5M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0024 $4.5M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $4.5M
Total Fair Value Available-for-Sale Debt Securities NV0084 $4.5M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $11.5M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $9.7M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $4.7M
Investment Maturity Distribution - Time Deposits - Total NV0116 $25.9M
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $4.5M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $74K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $74K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $13.9M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $9.7M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $6.7M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $74K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $30.4M
RBC Total Equity RB0001 $8.8M
RBC Allowance for Credit Losses RB0002 $246K
RBC Total Additions RB0005 $246K
RBC Total Deductions RB0009 $517K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $8.5M
RBC Risk-Based Capital Numerator RB0012 $8.5M
NCUA data file FS220R (30 items)

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

Morehead Community Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $4.6M
RBC Schedule Total Consumer Loans RB0060 $19.0M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $243K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $243K
RBC Schedule Total Loans RB0079 $27.7M
RBC Total for Risk Weighting Total Loans RB0081 -$243K
RBC Total Loans 0% Weight RB0082 -$243K
RBC Schedule Total Other Assets RB0088 $1.4M
RBC Total for Risk Weighting Other Assets RB0090 $517K
RBC Other Assets 0% Weight RB0091 $517K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $65.1M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $274K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $274K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $65.1M
RBC Allowance for Credit Losses (Loans) RB0177 $243K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 100.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 4,111,984.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Adjustable Rate RL0015 687,602.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $4.1M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $688K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 117.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 4,817,550.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 900,584.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $4.8M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $901K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $217
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 $1.6M
Total Shares SH0013 $56.0M
Total Shares and Deposits SH0018 $56.0M
NCUA data file FS220S (2 items)

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

Morehead Community Federal Credit Union, NCUA data file FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Mortgage Lending PP0039 $1

Morehead Community 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 Morehead Community Federal Credit Union call report?

The Morehead Community 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 Morehead Community Federal Credit Union file?

Morehead Community 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 Morehead Community 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 Morehead Community Federal Credit Union is 23070.

How often does Morehead Community Federal Credit Union file a call report?

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

Morehead Community Federal Credit Union financials and ratios →

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