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Credit union call report ยท Clarence, NY

North Towns Federal Credit Union Call Report

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North Towns Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 249 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

North Towns Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number9812
Federal Reserve RSSD ID917283

The official copy: search charter number 9812 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

North Towns Federal Credit Union call report, Q2 2026

Statement of Financial Condition (29 items)
North Towns Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $252K
1c. Total Cash on Hand 730A $252K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $4.4M
2c. Cash on Deposit in Other Financial Institutions 730B2 $662K
2. Cash on Deposit (total) 730B $5.1M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $5.3M
9. Held-to-Maturity Debt Securities AS0073 $15.2M
11. TOTAL INVESTMENT SECURITIES AS0013 $15.2M
12b. Perpetual Contributed Capital 769B $40K
13. TOTAL OTHER INVESTMENTS AS0017 $40K
15a. Number of Total Loans and Leases 025A 1,624
15b. Total Loans and Leases 025B $28.4M
17. ACL on Loans and Leases AS0048 $137K
19. Land and Building 007 $2.0M
20. Other Fixed Assets 008 $180K
21. NCUA Share Insurance Capitalization Deposit 794 $418K
22d. Accrued Interest on Loans 009A $66K
22e. Accrued Interest on Investments 009B $56K
22f. All Other Assets 009C $167K
22g. Total Other Assets AS0036 $289K
23. TOTAL ASSETS 010 $51.7M
Accounts Payable and Other Liabilities 825 $74K
Member Shares of All Types 013 $46.7M
Total Shares and Deposits 018 $46.7M
Undivided Earnings 940 $4.5M
Other Reserves 658 $240K
Total Net Worth 997 $4.9M
Net Worth Ratio 998 9.50%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $51.7M
Statement of Income and Expense (22 items)
North Towns Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $917K
3. Income from Investments 120 $281K
5. TOTAL INTEREST INCOME 115 $1.2M
6. Dividends on Shares 380 $336K
8. Interest on Borrowed Money 340 $146
9. TOTAL INTEREST EXPENSE 350 $336K
10. NET INTEREST INCOME IS0010 $863K
13. Fee Income 131 $38K
14. Other Operating Income IS0020 $63K
16. Gain (Loss) on Other Investments IS0047 $1K
23. TOTAL NON-INTEREST INCOME 117 $102K
24. Employee Compensation and Benefits 210 $259K
25. Travel and Conference 230 $5K
26. Office Occupancy 250 $43K
27. Office Operations 260 $98K
28. Educational and Promotional 270 $14K
29. Loan Servicing 280 $74K
30. Professional and Outside Services 290 $89K
32. Operating Fees 320 $4K
33. Miscellaneous Operating Expense 360 $9K
34. TOTAL NON-INTEREST EXPENSE 671 $594K
35. NET INCOME 661A $371K
Statement pages - all other filed accounts (19 items)

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

North Towns 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 $222K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $178K
Loans Granted Year-to-Date 031A $117
Amount of Loans Granted Year-to-Date 031B $4.4M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $302K
Number of current members (not number of accounts) 083 3,035
Number of potential members 084 26,000
Interest Rate of Unsecured Credit Card Loans 521 899.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,202.00%
Interest Rate of New Vehicle Loans 523 353.00%
Interest Rate of Used Vehicle Loans 524 727.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $16K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $10K
Amount of Regular Shares 657 $19.2M
Amount of Share Drafts 902 $8.4M
IRA/KEOGH Accounts - < 1 Year 906A $1.1M
Share Certificates - < 1 Year 908A $16.8M
Total Amount of Share Certificates 908C $17.6M
Number of Used Vehicle Loans 968 306
NCUA data file FS220A (23 items)

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

North Towns Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $45.5M
Total Shares - 1-3 Years 013B1 $1.2M
Total Shares - > 3 Years 013B2 $84K
Total Shares and Deposits - < 1 Year 018A $45.5M
Total Shares and Deposits - 1-3 Years 018B1 $1.2M
Total Shares and Deposits - > 3 Years 018B2 $84K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 8
Effective date of last audit 063 $62K
Amount of Used Vehicle Loans 370 $4.8M
Amount of New Vehicle Loans 385 $1.2M
Amount of Unsecured Credit Card Loans 396 $1.2M
Amount of All Other Unsecured Loans/Lines of Credit 397 $634K
Share Certificates 451 $598
Number of Accounts for Share Drafts 452 1,366
IRA/KEOGH Accounts 453 $64
Number of Accounts for Regular Shares 454 3,194
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 5,222
Number of credit union employees who are Full-Time (26 hours or more) 564A 6
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 3
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $151K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,650.00%
Total credit lines 881 $2.0M
High School Number of Branches PP0031 $1
NCUA data file FS220B (22 items)

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

North Towns Federal Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Number - Total Delinquent Credit Card Loans 045A 1
Total Amount of Delinquent Unsecured Credit Card Loans 045B $6K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $2.3M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $2.3M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $44.5M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $62K
Amount of Regular Shares - < 1 Year 657A $19.2M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $16K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $9K
Fair value of Held to Maturity Securities 801 $15.1M
Amount of Share Drafts - < 1 Year 902A $8.4M
IRA/KEOGH Accounts - 1-3 Years 906B1 $343K
IRA/KEOGH Accounts - > 3 Years 906B2 $67K
Total Amount of IRA/KEOGH Accounts 906C $1.5M
Share Certificates - 1-3 Years 908B1 $848K
Share Certificates - > 3 Years 908B2 $17K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $240K
Number of New Vehicle Loans 958 61
Total Shares 966 $5K
Number of Unsecured Credit Card Loans 993 776
Number of All Other Unsecured Loans/Lines of Credit 994 95
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 11
NCUA data file FS220C (5 items)

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

North Towns 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 $4
Number of credit union branches (include the main office if member services are conducted at that location) 566 2
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $8.3M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $339K
Outstanding balance of brokered certificates of deposit and share certificates 788 $15.2M
NCUA data file FS220D (22 items)

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

North Towns 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
Financial Education 879B2 $1
Financial Literacy Workshops 879B3 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $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
External Transfers/Payment ? ACH 887S $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
High School PP0030 $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 (4 items)

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

North Towns Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $148K
Total Credit Lines at Corporate Credit Unions 884 $2.0M
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $148K
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $148K
NCUA data file FS220H (1 item)

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

North Towns Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $7.5M
NCUA data file FS220I (7 items)

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

North Towns Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $65K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $5K
Number of Reportable Delinquent Used Vehicle Loans 035E2 3
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $39K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $173
Commercial Share Accounts 643 $285K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $917
NCUA data file FS220L (8 items)

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

North Towns 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 $28.4M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $5.1M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 668.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 382.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 617.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $9.4M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $6.1M
NCUA data file FS220M (6 items)

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

North Towns 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 $4.7M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $2.8M
Total Unfunded Commitments for Non-Commercial Loans 816T $7.5M
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 88
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 116
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 182
NCUA data file FS220N (6 items)

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

North Towns Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Held-to-Maturity Debt Securities <=1 Year AS0068 $2.4M
Held-to-Maturity Debt Securities >1 and <=3 Years AS0069 $5.5M
Held-to-Maturity Debt Securities >3 and <=5 Years AS0070 $7.3M
Total Liabilities LI0069 $46.8M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $72K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $51.7M
NCUA data file FS220P (19 items)

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

North Towns Federal Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $190
Unsecured Credit Card Loans DL0002 $6K
All Other Unsecured Loans/Lines of Credit DL0022 $6K
All Other Unsecured Loans/Lines of Credit DL0023 $14K
All Other Unsecured Loans/Lines of Credit DL0027 $14K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $1
Used Vehicle Loans DL0037 $35K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $112K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $70K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $70K
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 - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $135K
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 $135K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0063 $1
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $38K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0066 $38K
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 $38K
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 $124K
NCUA data file FS220Q (19 items)

investment portfolio detail (69%)

North Towns Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Held-to-maturity Amortized Cost - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0073 $15.2M
Held-to-maturity Fair Value - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0074 $15.1M
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $15.2M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $15.2M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $40K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $40K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $2.4M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $5.5M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $7.3M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $40K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $15.3M
Investment - Memoranda - Realized Gains (Losses) - Realized Gains (Losses) on Held to Maturity Securities NV0159 $1K
Total Gain (Loss) on Investments NV0162 $1K
RBC Total Equity RB0001 $4.9M
RBC Allowance for Credit Losses RB0002 $137K
RBC Total Additions RB0005 $137K
RBC Total Deductions RB0009 $418K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $4.6M
RBC Risk-Based Capital Numerator RB0012 $4.6M
NCUA data file FS220R (37 items)

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

North Towns Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $15.3M
RBC Schedule Total Consumer Loans RB0060 $17.2M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $137K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $137K
RBC Schedule Total Loans RB0079 $28.2M
RBC Total for Risk Weighting Total Loans RB0081 -$137K
RBC Total Loans 0% Weight RB0082 -$137K
RBC Schedule Total Other Assets RB0088 $2.9M
RBC Total for Risk Weighting Other Assets RB0090 $418K
RBC Other Assets 0% Weight RB0091 $418K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $51.7M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $281K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $281K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $51.7M
RBC Allowance for Credit Losses (Loans) RB0177 $137K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 25.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 2,591,966.00%
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 21.00%
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 1,453,001.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 42.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 2,056,261.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Adjustable Rate RL0015 668,589.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $6.1M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $669K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Fixed Rate RL0024 1.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Fixed Rate RL0025 607.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 111.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 5,076,135.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 656,714.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $5.1M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $657K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $200
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $11.2M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $1.3M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $130K
Total Shares SH0013 $46.7M
Total Shares and Deposits SH0018 $46.7M

North Towns 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 North Towns Federal Credit Union call report?

The North Towns 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 North Towns Federal Credit Union file?

North Towns 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 North Towns 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 North Towns Federal Credit Union is 9812.

How often does North Towns Federal Credit Union file a call report?

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

North Towns Federal Credit Union financials and ratios →

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