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Credit union call report ยท Franklin, PA

New Directions Community Credit Union Call Report

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New Directions Community Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 248 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

New Directions Community Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number65356
Federal Reserve RSSD ID81090

The official copy: search charter number 65356 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

New Directions Community Credit Union call report, Q2 2026

Statement of Financial Condition (26 items)
New Directions Community Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $989K
1c. Total Cash on Hand 730A $989K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $5.8M
2. Cash on Deposit (total) 730B $5.8M
3. Time Deposits in Banks and Credit Unions AS0007 $3.7M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $10.6M
12b. Perpetual Contributed Capital 769B $206K
13. TOTAL OTHER INVESTMENTS AS0017 $206K
15a. Number of Total Loans and Leases 025A 3,325
15b. Total Loans and Leases 025B $25.6M
17. ACL on Loans and Leases AS0048 $189K
19. Land and Building 007 $3.1M
20. Other Fixed Assets 008 $277K
21. NCUA Share Insurance Capitalization Deposit 794 $325K
22d. Accrued Interest on Loans 009A $85K
22e. Accrued Interest on Investments 009B $10K
22f. All Other Assets 009C $752K
22g. Total Other Assets AS0036 $847K
23. TOTAL ASSETS 010 $40.7M
Accounts Payable and Other Liabilities 825 $89K
Member Shares of All Types 013 $34.7M
Total Shares and Deposits 018 $34.7M
Undivided Earnings 940 $5.9M
Total Net Worth 997 $5.9M
Net Worth Ratio 998 14.54%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $40.7M
Statement of Income and Expense (22 items)
New Directions Community Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $941K
3. Income from Investments 120 $148K
5. TOTAL INTEREST INCOME 115 $1.1M
6. Dividends on Shares 380 $164K
9. TOTAL INTEREST EXPENSE 350 $164K
10. NET INTEREST INCOME IS0010 $925K
12a. Credit Loss Expense - Loans and Leases IS0011 $63K
12e. Total Credit Loss Expense IS0017 $63K
13. Fee Income 131 $159K
14. Other Operating Income IS0020 $215K
23. TOTAL NON-INTEREST INCOME 117 $374K
24. Employee Compensation and Benefits 210 $602K
25. Travel and Conference 230 $9K
26. Office Occupancy 250 $111K
27. Office Operations 260 $334K
28. Educational and Promotional 270 $14K
29. Loan Servicing 280 $77K
30. Professional and Outside Services 290 $48K
32. Operating Fees 320 $4K
33. Miscellaneous Operating Expense 360 $13K
34. TOTAL NON-INTEREST EXPENSE 671 $1.2M
35. NET INCOME 661A $25K
Statement pages - all other filed accounts (22 items)

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

New Directions Community 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 $124K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $145K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $32K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $24K
Loans Granted Year-to-Date 031A $404
Amount of Loans Granted Year-to-Date 031B $5.3M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $194K
Number of current members (not number of accounts) 083 5,735
Number of potential members 084 176,881
Interest Rate of Unsecured Credit Card Loans 521 986.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,029.00%
Interest Rate of New Vehicle Loans 523 592.00%
Interest Rate of Used Vehicle Loans 524 749.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $96K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $18K
Amount of Regular Shares 657 $18.7M
Amount of Share Drafts 902 $7.1M
IRA/KEOGH Accounts - < 1 Year 906A $1.2M
Share Certificates - < 1 Year 908A $4.3M
Total Amount of Share Certificates 908C $7.0M
Total Amount of Money Market Shares 911 $376K
Number of Used Vehicle Loans 968 608
NCUA form-section FS220A (23 items)

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

New Directions Community Credit Union, NCUA form-section FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $31.8M
Total Shares - 1-3 Years 013B1 $2.9M
Total Shares - > 3 Years 013B2 $28K
Total Shares and Deposits - < 1 Year 018A $31.8M
Total Shares and Deposits - 1-3 Years 018B1 $2.9M
Total Shares and Deposits - > 3 Years 018B2 $28K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 20
Effective date of last audit 063 $32K
Amount of Used Vehicle Loans 370 $10.1M
Amount of New Vehicle Loans 385 $3.9M
Amount of Unsecured Credit Card Loans 396 $1.1M
Amount of All Other Unsecured Loans/Lines of Credit 397 $3.4M
Share Certificates 451 $299
Number of Accounts for Share Drafts 452 3,474
IRA/KEOGH Accounts 453 $58
Number of Accounts for Regular Shares 454 7,431
Money Market Shares 458 $7
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 11,269
Number of credit union employees who are Full-Time (26 hours or more) 564A 18
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 2
Number of Outstanding Indirect Loans 617A 313
Total Amount of Outstanding Indirect Loans 618A $7.8M
Total credit lines 881 $1.5M
NCUA form-section FS220B (21 items)

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

New Directions Community Credit Union, NCUA form-section FS220B, Q2 2026
Line item Account Q2 2026
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $76K
Total Uninsured Shares and Deposits > $250K (F+J) 068A $76K
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $34.7M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $32K
Amount of Regular Shares - < 1 Year 657A $18.7M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $22K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $3K
Amount of Share Drafts - < 1 Year 902A $7.1M
IRA/KEOGH Accounts - 1-3 Years 906B1 $315K
IRA/KEOGH Accounts - > 3 Years 906B2 $4K
Total Amount of IRA/KEOGH Accounts 906C $1.5M
Share Certificates - 1-3 Years 908B1 $2.6M
Share Certificates - > 3 Years 908B2 $24K
Money Market Shares - < 1 Year 911A $376K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $105K
Number of New Vehicle Loans 958 153
Total Shares 966 $11K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $9K
Number of Unsecured Credit Card Loans 993 1,232
Number of All Other Unsecured Loans/Lines of Credit 994 1,040
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 10
NCUA form-section FS220C (6 items)

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

New Directions Community 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
Total Amount of Indirect Loans Charged Off Year-to-Date 550E $3K
Number of credit union branches (include the main office if member services are conducted at that location) 566 3
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $2.8M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $110K
Outstanding balance of brokered certificates of deposit and share certificates 788 $3.7M
NCUA form-section FS220D (19 items)

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

New Directions Community Credit Union, NCUA form-section FS220D, Q2 2026
Line item Account Q2 2026
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
No Cost Bill Payer 879C2 $1
Credit Builder 879D1 $1
Brokered Certificates of Deposits 879N $1
Low-cost wire transfers 879W $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $1
e-Statements 887R $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 Non-Custodial Accounts PP0033 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA form-section FS220G (1 item)

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

New Directions Community Credit Union, NCUA form-section FS220G, Q2 2026
Line item Account Q2 2026
Total Credit Lines at Corporate Credit Unions 884 $1.5M
NCUA form-section FS220H (6 items)

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

New Directions Community Credit Union, NCUA form-section FS220H, Q2 2026
Line item Account Q2 2026
Interest Rate on Non-Federally Guaranteed Student Loans 595A 994.00%
Amount of Non-Federally Guaranteed Student Loans 698A $221K
Total Unfunded Commitments for all loan types 816A $2.9M
Number of Non-Federally Guaranteed Student Loans 963A 9
Total number of TDR loans outstanding 1000F $1
Total amount of TDR loans outstanding 1001F $6K
NCUA form-section FS220I (12 items)

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

New Directions Community Credit Union, NCUA form-section FS220I, Q2 2026
Line item Account Q2 2026
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $8K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $78K
Amount of New Vehicle Loans Delinquent 180 to 359 days 022C1 $11K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $21K
Number of Reportable Delinquent New Vehicle Loans 035E1 1
Number of Reportable Delinquent Used Vehicle Loans 035E2 5
Amount of Reportable Delinquent New Vehicle Loans 041C1 $11K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $99K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $23K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $4K
Commercial Share Accounts 643 $448K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $19K
NCUA form-section FS220L (8 items)

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

New Directions Community Credit Union, NCUA form-section FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $3K
Total Amount of Loans & Leases on Loan Schedule 025B1 $25.6M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $1.2M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 589.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 412.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 755.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $716K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $4.9M
NCUA form-section FS220M (7 items)

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

New Directions Community Credit Union, NCUA form-section FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $2.0M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $17K
Total Unfunded Commitments for Non-Commercial Loans 816T $2.9M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $907K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 149
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 42
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 92
NCUA form-section FS220N (2 items)

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

New Directions Community Credit Union, NCUA form-section FS220N, Q2 2026
Line item Account Q2 2026
Total Liabilities LI0069 $34.8M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $40.7M
NCUA form-section FS220P (21 items)

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

New Directions Community 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 $52K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $11K
All Other Unsecured Loans/Lines of Credit DL0022 $6K
All Other Unsecured Loans/Lines of Credit DL0023 $6K
All Other Unsecured Loans/Lines of Credit DL0024 $746
All Other Unsecured Loans/Lines of Credit DL0027 $7K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $4
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $16K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $11K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $30K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $41K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $8
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $8K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $35K
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 $35K
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 $2
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $61K
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $17K
Amount of Consumer Loans in Non-Accrual Status DL0145 $176K
Number of Indirect Loans - New and Used Vehicle Loans IN0001 313
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $7.8M
NCUA form-section FS220Q (17 items)

investment portfolio detail (69%)

New Directions Community Credit Union, NCUA form-section FS220Q, Q2 2026
Line item Account Q2 2026
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $1.7M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $1.8M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $250K
Investment Maturity Distribution - Time Deposits - Total NV0116 $3.7M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $206K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $206K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $1.7M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $1.8M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $250K
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $206K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $3.9M
RBC Total Equity RB0001 $5.9M
RBC Allowance for Credit Losses RB0002 $189K
RBC Total Additions RB0005 $189K
RBC Total Deductions RB0009 $325K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $5.8M
RBC Risk-Based Capital Numerator RB0012 $5.8M
NCUA form-section FS220R (33 items)

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

New Directions Community Credit Union, NCUA form-section FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $206K
RBC Schedule Total Consumer Loans RB0060 $19.5M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $189K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $189K
RBC Schedule Total Loans RB0079 $25.4M
RBC Total for Risk Weighting Total Loans RB0081 -$189K
RBC Total Loans 0% Weight RB0082 -$189K
RBC Schedule Total Other Assets RB0088 $4.5M
RBC Total for Risk Weighting Other Assets RB0090 $325K
RBC Other Assets 0% Weight RB0091 $325K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $40.7M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $136K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $136K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $40.7M
RBC Allowance for Credit Losses (Loans) RB0177 $189K
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 42,852.00%
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 148.00%
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 4,862,087.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 553,456.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $4.9M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $553K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 42.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 1,221,348.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 119,722.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $1.2M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $120K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $191
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $6.1M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $673K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $1.0M
Total Shares SH0013 $34.7M
Total Shares and Deposits SH0018 $34.7M
NCUA form-section FS220S (2 items)

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

New Directions Community Credit Union, NCUA form-section FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Auto Lending PP0038 $1

New Directions Community 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 New Directions Community Credit Union call report?

The New Directions Community 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 New Directions Community Credit Union file?

New Directions Community 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 New Directions Community 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 New Directions Community Credit Union is 65356.

How often does New Directions Community Credit Union file a call report?

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

New Directions Community Credit Union financials and ratios →

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