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Credit union call report ยท Plymouth, MI

Orsa Credit Union Call Report

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Orsa Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 530 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Orsa Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number68631
Federal Reserve RSSD ID607388

The official copy: search charter number 68631 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Orsa Credit Union call report, Q2 2026

Statement of Financial Condition (43 items)
Orsa Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $6.5M
1b. Cash Items in Process of Collection AS0005 $59K
1c. Total Cash on Hand 730A $6.6M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $6.1M
2b. Cash on Deposit in Federal Reserve Bank AS0003 $54.1M
2c. Cash on Deposit in Other Financial Institutions 730B2 $2.6M
2. Cash on Deposit (total) 730B $62.7M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $69.3M
6. Equity Securities AS0055 $501K
7. Trading Debt Securities AS0061 $190K
8. Available-for-Sale Debt Securities AS0067 $20.4M
11. TOTAL INVESTMENT SECURITIES AS0013 $21.1M
12b. Perpetual Contributed Capital 769B $600K
12c. All Other Investments AS0016 $24.2M
13. TOTAL OTHER INVESTMENTS AS0017 $24.8M
15a. Number of Total Loans and Leases 025A 47,488
15b. Total Loans and Leases 025B $1.28B
17. ACL on Loans and Leases AS0048 $11.2M
18b. Foreclosed/Repossessed - Consumer RE AS0023 $325K
18c. Foreclosed/Repossessed - Vehicles AS0024 $623K
18e. Foreclosed/Repossessed Assets (total) 798A $948K
19. Land and Building 007 $44.8M
20. Other Fixed Assets 008 $2.5M
21. NCUA Share Insurance Capitalization Deposit 794 $11.7M
22b. Mortgage Servicing Rights 779 $920K
22c. Other Intangible Assets AS0032 $2.7M
22d. Accrued Interest on Loans 009A $5.9M
22e. Accrued Interest on Investments 009B $464K
22f. All Other Assets 009C $19.7M
22g. Total Other Assets AS0036 $29.7M
23. TOTAL ASSETS 010 $1.47B
Accounts Payable and Other Liabilities 825 $12.5M
Accrued Dividends and Interest Payable 820A $554
ACL on Off-Balance-Sheet Exposures LI0003 $38K
Borrowings (total) 860C $20.0M
Member Shares of All Types 013 $1.30B
Nonmember Deposits 880 $250K
Total Shares and Deposits 018 $1.30B
Undivided Earnings 940 $144.4M
Net Income (equity) 602 $145K
Total Net Worth 997 $144.6M
Net Worth Ratio 998 9.81%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $1.47B
Statement of Income and Expense (27 items)
Orsa Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $38.4M
3. Income from Investments 120 $2.4M
5. TOTAL INTEREST INCOME 115 $40.8M
6. Dividends on Shares 380 $11.8M
8. Interest on Borrowed Money 340 $181K
9. TOTAL INTEREST EXPENSE 350 $12.0M
10. NET INTEREST INCOME IS0010 $28.7M
12a. Credit Loss Expense - Loans and Leases IS0011 $2.6M
12e. Total Credit Loss Expense IS0017 $2.6M
13. Fee Income 131 $2.9M
14. Other Operating Income IS0020 $5.4M
16. Gain (Loss) on Other Investments IS0047 $20K
18. Gain (Loss) on Disposition of Fixed Assets 430 -$3K
19. Gain (Loss) on Sale of Loans IS0029 $413K
23. TOTAL NON-INTEREST INCOME 117 $8.8M
24. Employee Compensation and Benefits 210 $17.4M
25. Travel and Conference 230 $512K
26. Office Occupancy 250 $1.6M
27. Office Operations 260 $8.0M
28. Educational and Promotional 270 $3.2M
29. Loan Servicing 280 $448K
30. Professional and Outside Services 290 $2.0M
31. Member Insurance 310 $45K
32. Operating Fees 320 $84K
33. Miscellaneous Operating Expense 360 $1.3M
34. TOTAL NON-INTEREST EXPENSE 671 $34.7M
35. NET INCOME 661A $258K
Statement pages - all other filed accounts (27 items)

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

Orsa 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 $11.8M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $5.4M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $854K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $40K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $423K
Loans Granted Year-to-Date 031A $4K
Amount of Loans Granted Year-to-Date 031B $127.8M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $19.4M
Number of current members (not number of accounts) 083 86,714
Number of potential members 084 10,140,459
Net Member Business Loan Balance 400A $153.2M
Non-Member Deposits 457 $1
Interest Rate of Unsecured Credit Card Loans 521 1,320.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,320.00%
Interest Rate of New Vehicle Loans 523 824.00%
Interest Rate of Used Vehicle Loans 524 899.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $5.2M
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $1.2M
Total Amount of All Other Shares 630 $21.2M
Amount of Regular Shares 657 $241.5M
Balance Outstanding of All Interest Only & Payment Option 1st Mortgage Loans. 704C1 $300K
Amount of Share Drafts 902 $269.4M
IRA/KEOGH Accounts - < 1 Year 906A $40.1M
Share Certificates - < 1 Year 908A $273.2M
Total Amount of Share Certificates 908C $307.6M
Total Amount of Money Market Shares 911 $413.2M
Number of Used Vehicle Loans 968 14,646
NCUA form-section FS220A (31 items)

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

Orsa Credit Union, NCUA form-section FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $1.26B
Total Shares - 1-3 Years 013B1 $38.6M
Total Shares - > 3 Years 013B2 $184K
Total Shares and Deposits - < 1 Year 018A $1.26B
Total Shares and Deposits - 1-3 Years 018B1 $38.6M
Total Shares and Deposits - > 3 Years 018B2 $184K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 725
Amount of Delinquent Indirect Loans 041E $2.9M
Effective date of last audit 063 $122K
Amount of Used Vehicle Loans 370 $192.0M
Amount of New Vehicle Loans 385 $46.5M
Amount of Unsecured Credit Card Loans 396 $41.5M
Amount of All Other Unsecured Loans/Lines of Credit 397 $56.3M
Share Certificates 451 $9K
Number of Accounts for Share Drafts 452 55,462
IRA/KEOGH Accounts 453 $2K
Number of Accounts for Regular Shares 454 143,599
All other shares 455 $536
Money Market Shares 458 $10K
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 220,541
Number of credit union employees who are Full-Time (26 hours or more) 564A 322
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 2
Number of Outstanding Indirect Loans 617A 7,794
Total Amount of Outstanding Indirect Loans 618A $153.2M
Amount of real estate loans sold but serviced by the credit union 779A $246.9M
Total credit lines 881 $206.0M
Draws against lines of credit, less than 1 year 883A $20.0M
Draws against lines of credit, total amount 883C $20.0M
Elementary School Number of Branches PP0027 $35
Middle School Number of Branches PP0029 $10
High School Number of Branches PP0031 $5
NCUA form-section FS220B (33 items)

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

Orsa Credit Union, NCUA form-section FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $608K
Amount of Delinquent Unsecured Credit Card Loans as of - 6 to less than 12 months delinquent 027B $14K
Amount of Delinquent Unsecured Credit Card Loans as of - 12 months and over delinquent 028B $8K
Number - Total Delinquent Credit Card Loans 045A 113
Total Amount of Delinquent Unsecured Credit Card Loans 045B $825K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $128.6M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $128.6M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $1.17B
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $122K
All other shares - < 1 Year 630A $21.2M
Amount of Regular Shares - < 1 Year 657A $241.5M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $1.4M
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $223K
Total Amount of All First Mortgage Loans which have been sold in the secondary market year-to-date 736 $7.7M
Total Borrowings - < 1 Year 860A $20.0M
Does you credit union maintain share/deposit insurance coverage other than the NCUSIF? 875 $1
Dollar amount of shares and/or deposits insured by the company named above 877 $46.5M
Non-Member Deposits - < 1 Year 880A $250K
Is your credit union a member of a Federal Home Loan Bank? 896 $1
Amount of Share Drafts - < 1 Year 902A $269.4M
IRA/KEOGH Accounts - 1-3 Years 906B1 $4.3M
IRA/KEOGH Accounts - > 3 Years 906B2 $57K
Total Amount of IRA/KEOGH Accounts 906C $44.5M
Share Certificates - 1-3 Years 908B1 $34.3M
Share Certificates - > 3 Years 908B2 $127K
Money Market Shares - < 1 Year 911A $413.2M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $2.4M
Number of New Vehicle Loans 958 2,632
Total Shares 966 $221K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $4.5M
Number of Unsecured Credit Card Loans 993 12,315
Number of All Other Unsecured Loans/Lines of Credit 994 8,016
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 20
NCUA form-section FS220C (8 items)

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

Orsa 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 $1.9M
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $561K
Number of credit union branches (include the main office if member services are conducted at that location) 566 14
Supplemental Share Information - Accts Held by Member Government Depositors 631 $9.7M
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $111.4M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $21.6M
Amount of Participation Loans Purchased Year-to-Date 690 $69.5M
NCUA form-section FS220D (32 items)

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

Orsa Credit Union, NCUA form-section FS220D, Q2 2026
Line item Account Q2 2026
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
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Financial Education 879B2 $1
Financial Literacy Workshops 879B3 $1
First Time Homebuyer Program 879B4 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Mortgage Processing 879G $1
Approved Mortgage Seller 879H $1
International Remittances 879V $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
Elementary School PP0026 $1
Middle School PP0028 $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 form-section FS220G (8 items)

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

Orsa Credit Union, NCUA form-section FS220G, Q2 2026
Line item Account Q2 2026
Total Outstanding Amount of Participation Loans Purchased By Type 691L $170.4M
Outstanding Amount of Real Estate Participation Loans Purchased 691L2 $52.3M
Total Outstanding Amount of Participation Loans Sold By Type 691N $21.4M
Number of Outstanding Int Only & Payment Option 1st Mtg Loans 704C2 1
Total Value of Investments in CUSOs 851 $4.6M
Total Aggregate Cash Outlay in CUSOs 853 $4.6M
Assets Pledged to Secure Borrowings 878 $250.8M
Total Credit Lines at Corporate Credit Unions 884 $30.0M
NCUA form-section FS220H (7 items)

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

Orsa Credit Union, NCUA form-section FS220H, Q2 2026
Line item Account Q2 2026
Non-Federally Guaranteed Student Loans YTD Recoveries 551T $2K
Interest Rate on Non-Federally Guaranteed Student Loans 595A 764.00%
Amount of Non-Federally Guaranteed Student Loans 698A $2.4M
Total Unfunded Commitments for all loan types 816A $531.3M
Number of Non-Federally Guaranteed Student Loans 963A 346
Total number of TDR loans outstanding 1000F $135
Total amount of TDR loans outstanding 1001F $6.3M
NCUA form-section FS220I (21 items)

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

Orsa Credit Union, NCUA form-section FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $983K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $5.1M
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $195K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $1.4M
Amount of New Vehicle Loans Delinquent 180 to 359 days 022C1 $99K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $386K
Amount of New Vehicle Loans Delinquent >=360 days 023C1 $6K
Amount of Used Vehicle Loans Delinquent >=360 days 023C2 $24K
Number of Reportable Delinquent New Vehicle Loans 035E1 26
Number of Reportable Delinquent Used Vehicle Loans 035E2 260
Amount of Reportable Delinquent New Vehicle Loans 041C1 $579K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $3.7M
Amount of New Vehicle Loans YTD Charge Offs 550C1 $339K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $2.3M
Amount of New Vehicle Loans YTD Recoveries 551C1 $84K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $678K
Commercial Share Accounts 643 $114.7M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $296K
Draws Against LOCs from FHLB 885A3 $20.0M
Total Draws Againts LOCs 885A4 $20.0M
Number of International Remittances originated Year-to-Date 928 82
NCUA form-section FS220J (4 items)

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

Orsa Credit Union, NCUA form-section FS220J, Q2 2026
Line item Account Q2 2026
Securities 789C $7.8M
Other Assets - Split Dollar Life Insurance Arrangements Endorsement - Endorsement 789E1 $4.0M
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $11.7M
Amounts reported in Asset section of the Statement of Financial Condition to fund Charitable Donation Accounts 789H $7.4M
NCUA form-section FS220L (48 items)

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

Orsa Credit Union, NCUA form-section FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $47K
Total Amount of Loans & Leases on Loan Schedule 025B1 $1.28B
Total number of commercial loans to members granted or purchased YTD 090A1 $24
Number of Member Unsecured Commercial Loans granted or purchased YTD 090C5 4
Number of Member Unsecured Revolving Lines of Credit granted for Commercial Purposes granted or purchased YTD 090C6 8
Number of member commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090H2 5
Number of member commercial loans Secured by Non-Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090J2 6
Total Number of member commercial real estate secured loans granted or purchased YTD 090K2 $12
Number of member commercial loans Secured by Multifamily Property granted or purchased YTD 090M 1
Number of member construction and development commercial loans 143A3 10
Number of purchased or participation interests in commercial loans secured by construction and development property to nonmembers 143A4 2
Outstanding balance of member construction and development commercial loans 143B3 $40.5M
Outstanding balance of purchased or participation interests in commercial loans secured by construction and development property to nonmembers 143B4 $14.8M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $349.9M
Total outstanding balance of commercial loans to members 400A1 $160.1M
Total outstanding balance of nonmember commercial loans 400B1 $63.0M
Outstanding balance of Unsecured Member Commercial Loans 400C5 $796K
Outstanding balance of Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 400C6 $447K
Outstanding balance of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 400H2 $39.5M
Outstanding balance of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 400J2 $68.1M
Outstanding balance of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400J3 $28.9M
Outstanding balance of Member Commercial and Industrial loans 400L2 $2.0M
Outstanding balance of member commercial loans Secured Multifamily Property 400M $8.7M
Outstanding balance of purchased or participation interests in commercial loans to nonmembers Secured by Multifamily Property 400M1 $19.3M
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $3.3M
Outstanding balance of all member and non-member commercial loans 400T1 $223.1M
Total Dollar amount of member commercial loans granted or purchased YTD 475A1 $20.4M
Dollar Amount of Member Unsecured Commercial Loans granted or purchased YTD 475C5 $480K
Dollar Amount of Member Commercial Unsecured Revolving Lines of Credit Granted or purchased YTD 475C6 $1.8M
Dollar Amount of Member Commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 475H2 $11.0M
Dollar Amount of Member Commercial loans Secured by Non-Owner Occupied Non-Farm, Non-Residential Property granted or purchased YTD 475J2 $7.0M
Total Dollar amount of real estate secured member commercial loans granted or purchased YTD 475K2 $18.1M
Dollar Amount of Member Commercial loans Secured by Multifamily Property granted or purchased YTD 475M $135K
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 716.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 895.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 679.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 525.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 912.00%
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Purchased 691L8 $63.0M
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Sold 691N8 $16.1M
Outstanding Amount of Commercial Construction & Development Loans Sold 691N9 $5.1M
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $18.0M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $349.9M
Total Outstanding Balance of real estate secured member commercial loans 718A3 $156.8M
Total Outstanding Balance of real estate secured nonmember commercial loans 718A4 $63.0M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $219.8M
Amount of Outstanding commercial participations sold but retained servicing (including unfunded commitments) 1061 $21.3M
Number of Outstanding commercial participations sold but retained servicing (including unfunded commitments) 1061A 8
NCUA form-section FS220M (25 items)

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

Orsa 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 $323.5M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $141.2M
Total Unfunded Commitments for Commercial Loans 814K $4.0M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $422K
Total Other Unfunded Commitments (Non-Commercial) 816B5 $977K
Total Unfunded Commitments for Non-Commercial Loans 816T $527.4M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $61.3M
Total number of member commercial loans 900A1 $160
Total number of nonmember commercial loans 900B1 $17
Number of Member Unsecured Commercial Loans 900C5 7
Number of Member Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 900C6 12
Number of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 900H2 56
Number of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 900J2 57
Number of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900J3 11
Total number of real estate secured member commercial loans 900K2 $131
Total number of real estate secured nonmember commercial loans 900K3 $17
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 124
Number of Member Commercial and Industrial loans 900L2 10
Number of member commercial loans Secured by Multifamily Property 900M 8
Number of purchased or participation interests in commercial loans Secured by Multifamily Property to nonmembers 900M1 4
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 29
Total Number of Member and Nonmember commercial loans 900T1 $177
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 2,540
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 5,016
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 1,824
NCUA form-section FS220N (13 items)

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

Orsa Credit Union, NCUA form-section FS220N, Q2 2026
Line item Account Q2 2026
Equity Securities >5 and <= 10 Years AS0053 $501K
Trading Debt Securities <=1 Year AS0056 $190K
Available-for-sale Debt Securities <=1 Year AS0062 $1.1M
Available-for-sale Debt Securities >1 and <=3 Years AS0063 $3.2M
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $5.3M
Available-for-sale Debt Securities >5 and <= 10 Years AS0065 $6.1M
Available-for-sale Debt Securities > 10 Years AS0066 $4.7M
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$1.3M
Total Liabilities LI0069 $1.33B
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $5.7M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $1.47B
Number of Loans Purchased from Other Sources YTD (Whole or partial loans) SL0012 123
Amount of Loans Purchased from Other Sources YTD (Whole or partial loans) SL0013 $2.2M
NCUA form-section FS220P (48 items)

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

Orsa 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 $787K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $162K
Loan Loss Information - YTD Charge Offs - All Other Secured Non-Real Estate Loans/Lines of Credit CH0015 $93K
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $27K
Loan Loss Information - YTD Charge Offs - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien CH0019 $192K
Loan Loss Information - YTD Recoveries - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien CH0020 $6K
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $145.1M
Unsecured Credit Card Loans DL0002 $196K
All Other Unsecured Loans/Lines of Credit DL0022 $715K
All Other Unsecured Loans/Lines of Credit DL0023 $759K
All Other Unsecured Loans/Lines of Credit DL0024 $657K
All Other Unsecured Loans/Lines of Credit DL0025 $70K
All Other Unsecured Loans/Lines of Credit DL0026 $2K
All Other Unsecured Loans/Lines of Credit DL0027 $1.5M
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $252
New Vehicle Loans DL0030 $278K
Used Vehicle Loans DL0037 $1.9M
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $214K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $33K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $232K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $265K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $14
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $191K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $1.9M
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $1.9M
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0060 $285K
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 $4.1M
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 $30
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $4.2M
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0065 $911K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0066 $330K
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 $1.2M
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 $27
Dollar Amount of Reportable Delinquency - 60 - 89 Days Delinquent - Commercial Loans/Lines of Credit Secured by Owner Occupied, Non-Farm, Non-Residential Property DL0100 $7.2M
Total Dollar Amount of Reportable Delinquency - Commercial Loans/Lines of Credit Secured by Owner Occupied, Non-Farm, Non-Residential Property DL0104 $7.2M
Total Number of Reportable Delinquent Loans - Commercial Loans/Lines of Credit Secured by Owner Occupied, Non-Farm, Non-Residential Property DL0105 $3
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $13.2M
Amount of reportable delinquency included in Total Delinquent Loans and Leases (Account 041B), that relates to: Participation Loans Purchased under 701.22 DL0142 $927K
Amount of Consumer Loans in Non-Accrual Status DL0145 $6.3M
Number of Indirect Loans - New and Used Vehicle Loans IN0001 7,690
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $128.0M
Number of Indirect Loans - First Lien and Junio Lien Residential Loans IN0003 104
Amount of Indirect Loans - First Lien and Junio Lien Residential Loans IN0004 $25.2M
Off-Balance Sheet Exposures - Totally Unconditionally Cancelable Unfunded Commitments for All Loan Types LQ0013 $141.2M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Commercial Loans LQ0014 $4.0M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Secured and Real Estate LQ0015 $323.5M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Unsecured LQ0016 $62.7M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments -Total LQ0017 $390.2M
NCUA form-section FS220Q (46 items)

investment portfolio detail (69%)

Orsa Credit Union, NCUA form-section FS220Q, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Line of Credit Limit - Federal Home Loan Bank LQ0040 $176.0M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Federal Home Loan Bank LQ0043 $250.8M
Total Borrowings LQ0860 $20.0M
Available-for-sale Amortized Cost - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0075 $803K
Available-for-sale Fair Value - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0076 $779K
Available-for-sale Amortized Cost - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0079 $20.9M
Available-for-sale Fair Value - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0080 $19.7M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $21.7M
Total Fair Value Available-for-Sale Debt Securities NV0084 $20.4M
Trading - All Other Investments - Trading NV0104 $190K
Total Trading Debt Securities NV0105 $190K
Trading Investments - Equity Securities - Common Stock NV0106 $501K
Trading Investments - Equity Securities - Total Equity Securities NV0109 $501K
Total Trading Debt and Equity Securities NV0110 $691K
Investment Maturity Distribution - Equity Securities - Total NV0122 $501K
Investment Maturity Distribution - Trading Debt Securities - Total NV0128 $190K
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $20.4M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $24.2M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $600K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $24.8M
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $1.3M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $27.4M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $5.3M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $6.6M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $5.3M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $46.0M
Investment - Memoranda - Realized Gains (Losses) - Realized Gains (Losses) on Available for Sale Securities NV0160 $20K
Total Gain (Loss) on Investments NV0162 $20K
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Endorsement - Remaining Premiums NV0172 $9.2M
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Endorsement - Cash Surrender Value NV0173 $3.9M
RBC Total Equity RB0001 $144.6M
RBC Allowance for Credit Losses RB0002 $11.2M
RBC Total Additions RB0005 $11.2M
RBC Total Deductions RB0009 $14.3M
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $141.4M
RBC Risk-Based Capital Numerator RB0012 $141.4M
RBC Total for Risk Weighting Cash and Deposits in Financial Institutions or Reserve Banks RB0014 $69.3M
RBC Cash and Deposits in Financial Institutions or Reserve Banks 0% Weight RB0015 $69.3M
RBC Total for Risk Weighting Securities RB0019 $21.1M
RBC Securities 300% Weight RB0024 $21.1M
Participation Loans: Participations Purchased - Outstanding Balance - Amount - Vehicle - Non-commercial SL0036 $14.6M
Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - Vehicle - Non-commercial SL0037 $14.6M
Participation Loans: Participations Sold - Retained Balance Outstanding - Vehicle-Non-commercial SL0038 $122K
Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - 1- to 4-Family Residential Property SL0045 $52.7M
Participation Loans: Participations Purchased - Outstanding Balance - Amount - All Other SL0056 $40.5M
Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - All Other SL0057 $2.2M
NCUA form-section FS220R (103 items)

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

Orsa Credit Union, NCUA form-section FS220R, Q2 2026
Line item Account Q2 2026
CCULR Off-Balance sheet exposures LR0002 $390.2M
CCULR Off-Balance sheet exposures ratio LR0003 2,648.00%
RBC Total for Risk Weighting Other Investments RB0029 $24.8M
RBC Other Investments 150% Weight RB0033 $24.8M
RBC Schedule Total Investments RB0039 $46.0M
RBC Total for Risk Weighting Total Investments RB0041 $46.0M
RBC Total Investments 150% Weight RB0046 $24.8M
RBC Total Investments 300% Weight RB0047 $21.1M
RBC Total for Risk Weighting First Lien Residential Real Estate Loans RB0052 $349.9M
RBC First Lien Residential Real Estate Loans 50% Weight RB0053 $347.7M
RBC First Lien Residential Real Estate Loans 100% Weight RB0055 $2.2M
RBC Total for Risk Weighting Junior Lien Residential Real Estate Loans RB0057 $349.9M
RBC Junior Lien Residential Real Estate Loans 100% Weight RB0058 $349.6M
RBC Junior Lien Residential Real Estate Loans 150% Weight RB0059 $330K
RBC Schedule Total Consumer Loans RB0060 $356.7M
RBC Total for Risk Weighting Consumer Loans RB0062 $356.7M
RBC Consumer Loans 0% Weight RB0063 $926K
RBC Consumer Loans 75% Weight RB0065 $253.2M
RBC Consumer Loans 100% Weight RB0066 $98.8M
RBC Consumer Loans 150% Weight RB0067 $3.7M
RBC Schedule Total Commercial Loans RB0068 $223.1M
RBC Total for Risk Weighting Commercial Loans RB0070 $223.1M
RBC Commercial Loans 100% Weight RB0073 $223.1M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $11.2M
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $11.2M
RBC Schedule Total Loans RB0079 $1.27B
RBC Total for Risk Weighting Total Loans RB0081 $1.27B
RBC Total Loans 0% Weight RB0082 -$10.2M
RBC Total Loans 50% Weight RB0084 $347.7M
RBC Total Loans 75% Weight RB0085 $253.2M
RBC Total Loans 100% Weight RB0086 $673.7M
RBC Total Loans 150% Weight RB0087 $4.1M
RBC Schedule Total Other Assets RB0088 $89.7M
RBC Total for Risk Weighting Other Assets RB0090 $89.7M
RBC Other Assets 0% Weight RB0091 $14.3M
RBC Other Assets 100% Weight RB0092 $74.9M
RBC Other Assets 250% Weight RB0094 $414K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $1.47B
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $1.47B
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $73.4M
RBC Total Risk Weighted On-Balance Sheet Assets 50% Weight RB0103 $347.7M
RBC Total Risk Weighted On-Balance Sheet Assets 75% Weight RB0104 $253.2M
RBC Total Risk Weighted On-Balance Sheet Assets 100% Weight RB0105 $748.6M
RBC Total Risk Weighted On-Balance Sheet Assets 150% Weight RB0106 $28.9M
RBC Total Risk Weighted On-Balance Sheet Assets 250% Weight RB0107 $414K
RBC Total Risk Weighted On-Balance Sheet Assets 300% Weight RB0108 $21.1M
RBC Schedule Total Risk Weighted Assets - On-Balance Sheet RB0112 $1.22B
RBC Total Risk Weighted Assets On-Balance Sheet 50% Weight RB0114 $173.8M
RBC Total Risk Weighted Assets On-Balance Sheet 75% Weight RB0115 $189.9M
RBC Total Risk Weighted Assets On-Balance Sheet 100% Weight RB0116 $748.6M
RBC Total Risk Weighted Assets On-Balance Sheet 150% Weight RB0117 $43.3M
RBC Total Risk Weighted Assets On-Balance Sheet 250% Weight RB0118 $1.0M
RBC Total Risk Weighted Assets On-Balance Sheet 300% Weight RB0119 $63.4M
RBC Unfunded Commitment Commercial Loans Credit Equivalent Amount RB0123 $2.0M
RBC Unfunded Commitment Commercial Loans 100% Weight RB0124 $2.0M
RBC Unfunded Commitment Secured Consumer Loans Credit Equivalent Amount RB0125 $32.3M
RBC Unfunded Commitment Secured Consumer Loans 100% Weight RB0128 $32.3M
RBC Unfunded Commitment Unsecured Consumer Loans Credit Equivalent Amount RB0129 $6.3M
RBC Unfunded Commitment Unsecured Consumer Loans 100% Weight RB0130 $6.3M
RBC Total Off-Balance Sheet and Derivative Credit Equivalent Amount RB0153 $40.6M
RBC Total Off-Balance Sheet and Derivative 100% Weight RB0160 $40.6M
RBC Total Risk-Weighted Assets Off-Balance-Sheet and Derivative RB0162 $40.6M
RBC Total Risk-Weighted Assets Off-Balance-Sheet and Derivative 100% Weight RB0168 $40.6M
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $1.51B
RBC Total Risk-Weighted Assets RB0171 $1.26B
RBC Total Risk Based Capital Ratio RB0172 1,122.00%
RBC Allowance for Credit Losses (Loans) RB0177 $11.2M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 1,651.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 241,676,885.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 11,673,412.00%
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 630.00%
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 56,010,368.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 493,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 231.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 52,174,271.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Adjustable Rate RL0015 10,330,924.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $349.9M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $22.5M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 870.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 42,839,228.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 43,570,878.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Fixed Rate RL0024 141.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Fixed Rate RL0025 5,765,787.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 4,018.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 301,336,349.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 43,570,878.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $349.9M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $87.1M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $8K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $699.8M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $109.6M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $326.5M
Total Shares SH0013 $1.30B
Total Shares and Deposits SH0018 $1.30B
Total Non-Member Deposits SH0880 $250K
Number of Outstanding Loans Purchased from Other Sources SL0020 2,788
Amount of Outstanding Loans Purchased from Other Sources SL0021 $41.1M
Number of Loans Sold, Year-to-date SL0022 38
Amount of Loans Sold, Year-to-date SL0023 $7.7M
Number of First Mortgage loans sold on the secondary market, Year-to-date SL0024 38
Number of Real Estate Loans Sold with Servicing Retained, Year-to-date SL0028 38
Amount of Real Estate Loans Sold with Servicing Retained, Year-to-date SL0029 $7.7M
Number of Outstanding Real Estate Loans Sold with Servicing Retained SL0030 1,492
NCUA form-section FS220S (6 items)

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

Orsa 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
Unsecured personal loans PP0041 $1
Located in Metropolitan Statistical Area (MSA) PR0001 $1
home purchase loan or refinanced a home purchase loan PR0002 $1
Originated closed-end mortgages in each of the two preceding calendar years or originated open-end lines of credit in each of the two preceding calendar years in excess of the HMDA Loan-Volume Threshold? PR0003 $1

Orsa 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 Orsa Credit Union call report?

The Orsa 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 Orsa Credit Union file?

Orsa 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 Orsa 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 Orsa Credit Union is 68631.

How often does Orsa Credit Union file a call report?

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

Orsa Credit Union financials and ratios →

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