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Polam Federal Credit Union Call Report

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Polam Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 263 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Polam Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number19739
Federal Reserve RSSD ID858984

The official copy: search charter number 19739 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Polam Federal Credit Union call report, Q2 2026

Statement of Financial Condition (29 items)
Polam Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $247K
1c. Total Cash on Hand 730A $247K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $5.2M
2c. Cash on Deposit in Other Financial Institutions 730B2 $3.0M
2. Cash on Deposit (total) 730B $8.3M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $8.5M
9. Held-to-Maturity Debt Securities AS0073 $27.1M
11. TOTAL INVESTMENT SECURITIES AS0013 $27.1M
12a. Nonperpetual Capital Account 769A $97K
13. TOTAL OTHER INVESTMENTS AS0017 $97K
15a. Number of Total Loans and Leases 025A 646
15b. Total Loans and Leases 025B $35.7M
17. ACL on Loans and Leases AS0048 $78K
19. Land and Building 007 $629K
20. Other Fixed Assets 008 $4K
21. NCUA Share Insurance Capitalization Deposit 794 $638K
22d. Accrued Interest on Loans 009A $144K
22e. Accrued Interest on Investments 009B $87K
22f. All Other Assets 009C $408K
22g. Total Other Assets AS0036 $639K
23. TOTAL ASSETS 010 $73.2M
Accounts Payable and Other Liabilities 825 $406K
Member Shares of All Types 013 $65.0M
Nonmember Deposits 880 $499K
Total Shares and Deposits 018 $65.5M
Undivided Earnings 940 $7.2M
Total Net Worth 997 $7.2M
Net Worth Ratio 998 9.86%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $73.2M
Statement of Income and Expense (25 items)
Polam Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $952K
3. Income from Investments 120 $642K
5. TOTAL INTEREST INCOME 115 $1.6M
6. Dividends on Shares 380 $698K
8. Interest on Borrowed Money 340 $4K
9. TOTAL INTEREST EXPENSE 350 $702K
10. NET INTEREST INCOME IS0010 $891K
12a. Credit Loss Expense - Loans and Leases IS0011 $65K
12e. Total Credit Loss Expense IS0017 $65K
13. Fee Income 131 $37K
14. Other Operating Income IS0020 $33K
22. Other Non-Operating Income 440 $60
23. TOTAL NON-INTEREST INCOME 117 $70K
24. Employee Compensation and Benefits 210 $591K
25. Travel and Conference 230 $1K
26. Office Occupancy 250 $64K
27. Office Operations 260 $58K
28. Educational and Promotional 270 $8K
29. Loan Servicing 280 $68K
30. Professional and Outside Services 290 $412K
31. Member Insurance 310 $174
32. Operating Fees 320 $5K
33. Miscellaneous Operating Expense 360 $22K
34. TOTAL NON-INTEREST EXPENSE 671 $1.2M
35. NET INCOME 661A -$334K
Statement pages - all other filed accounts (20 items)

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

Polam 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 $22K
Loans Granted Year-to-Date 031A $16
Amount of Loans Granted Year-to-Date 031B $2.0M
Number of current members (not number of accounts) 083 2,095
Number of potential members 084 3,000
Net Member Business Loan Balance 400A $3.1M
Non-Member Deposits 457 $2
Interest Rate of Unsecured Credit Card Loans 521 998.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,595.00%
Interest Rate of New Vehicle Loans 523 424.00%
Interest Rate of Used Vehicle Loans 524 499.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $42K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $354
Amount of Regular Shares 657 $17.9M
Amount of Share Drafts 902 $7.7M
IRA/KEOGH Accounts - < 1 Year 906A $3.0M
Share Certificates - < 1 Year 908A $33.8M
Total Amount of Share Certificates 908C $35.4M
Total Amount of Money Market Shares 911 $1.1M
Number of Used Vehicle Loans 968 91
NCUA data file FS220A (22 items)

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

Polam Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $63.4M
Total Shares - 1-3 Years 013B1 $1.2M
Total Shares - > 3 Years 013B2 $400K
Total Shares and Deposits - < 1 Year 018A $63.4M
Total Shares and Deposits - 1-3 Years 018B1 $1.5M
Total Shares and Deposits - > 3 Years 018B2 $650K
Effective date of last audit 063 $92K
Amount of Used Vehicle Loans 370 $1.3M
Amount of New Vehicle Loans 385 $730K
Amount of Unsecured Credit Card Loans 396 $260K
Amount of All Other Unsecured Loans/Lines of Credit 397 $170K
Share Certificates 451 $328
Number of Accounts for Share Drafts 452 942
IRA/KEOGH Accounts 453 $109
Number of Accounts for Regular Shares 454 2,095
Money Market Shares 458 $43
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 3,519
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 1
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $75K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,661.00%
Total credit lines 881 $10.2M
NCUA data file FS220B (21 items)

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

Polam 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 $6.0M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $6.0M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $59.5M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $92K
Amount of Regular Shares - < 1 Year 657A $17.9M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $2K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $10
Fair value of Held to Maturity Securities 801 $27.1M
Non-Member Deposits - 1-3 Years 880B1 $249K
Non-Member Deposits - > 3 Years 880B2 $250K
Amount of Share Drafts - < 1 Year 902A $7.7M
Total Amount of IRA/KEOGH Accounts 906C $3.0M
Share Certificates - 1-3 Years 908B1 $1.2M
Share Certificates - > 3 Years 908B2 $400K
Money Market Shares - < 1 Year 911A $1.1M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $12K
Number of New Vehicle Loans 958 37
Total Shares 966 $4K
Number of Unsecured Credit Card Loans 993 373
Number of All Other Unsecured Loans/Lines of Credit 994 27
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 1
NCUA data file FS220C (5 items)

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

Polam 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 $1
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 $30.0M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $953K
Outstanding balance of brokered certificates of deposit and share certificates 788 $17.3M
NCUA data file FS220D (23 items)

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

Polam Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union provide member services through a credit union shared branch services center? 566A $1
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Financial Education 879B2 $1
Credit Management and Repair 879B6 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Deposits and Shares Meeting 703.10(a) 879M $1
Brokered Certificates of Deposits 879N $1
International Remittances 879V $1
Loan Payments 887F $1
Bill Payment 887J $1
External or Third-Party Account Aggregation 887M $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
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
CU offer Shared service network PP0058 $1
NCUA data file FS220G (3 items)

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

Polam Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Value of Investments in CUSOs 851 $20K
Total Aggregate Cash Outlay in CUSOs 853 $20K
Total Credit Lines at Corporate Credit Unions 884 $6.0M
NCUA data file FS220H (1 item)

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

Polam Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $3.9M
NCUA data file FS220I (7 items)

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

Polam 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 $22K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $41K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $34
Commercial Share Accounts 643 $967K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $123
Total Other Credit Lines 884D $4.2M
Number of International Remittances originated Year-to-Date 928 122
NCUA data file FS220L (21 items)

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

Polam Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $646
Total Amount of Loans & Leases on Loan Schedule 025B1 $35.7M
Total number of commercial loans to members granted or purchased YTD 090A1 $1
Number of member commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090H2 1
Total Number of member commercial real estate secured loans granted or purchased YTD 090K2 $1
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $7.1M
Total outstanding balance of commercial loans to members 400A1 $3.1M
Outstanding balance of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 400H2 $2.9M
Outstanding balance of Member Commercial and Industrial loans 400L2 $140K
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $140K
Outstanding balance of all member and non-member commercial loans 400T1 $3.1M
Total Dollar amount of member commercial loans granted or purchased YTD 475A1 $1.0M
Dollar Amount of Member Commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 475H2 $1.0M
Total Dollar amount of real estate secured member commercial loans granted or purchased YTD 475K2 $1.0M
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 851.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 716.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 599.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 625.00%
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $23.1M
Total Outstanding Balance of real estate secured member commercial loans 718A3 $2.9M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $2.9M
NCUA data file FS220M (12 items)

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

Polam 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 $3.1M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $883K
Total Unfunded Commitments for Non-Commercial Loans 816T $3.9M
Total number of member commercial loans 900A1 $4
Number of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 900H2 2
Total number of real estate secured member commercial loans 900K2 $2
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 2
Number of Member Commercial and Industrial loans 900L2 2
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 2
Total Number of Member and Nonmember commercial loans 900T1 $4
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 67
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 47
NCUA data file FS220N (8 items)

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

Polam Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Held-to-Maturity Debt Securities <=1 Year AS0068 $4.8M
Held-to-Maturity Debt Securities >1 and <=3 Years AS0069 $5.1M
Held-to-Maturity Debt Securities >3 and <=5 Years AS0070 $8.6M
Held-to-Maturity Debt Securities >5 and <= 10 Years AS0071 $2.4M
Held-to-Maturity Debt Securities > 10 Years AS0072 $6.2M
Total Liabilities LI0069 $65.9M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $359K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $73.2M
NCUA data file FS220P (1 item)

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

Polam 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 $310
NCUA data file FS220Q (24 items)

investment portfolio detail (69%)

Polam Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0013 $1.2M
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0014 $1.2M
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0017 $8.6M
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0018 $8.6M
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0021 $9.8M
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0022 $9.8M
Held-to-maturity Amortized Cost - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0073 $17.3M
Held-to-maturity Fair Value - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0074 $17.3M
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $27.1M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $27.1M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $97K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $97K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $4.8M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $5.1M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $8.6M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $2.4M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $6.3M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $27.2M
RBC Total Equity RB0001 $7.2M
RBC Allowance for Credit Losses RB0002 $78K
RBC Total Additions RB0005 $78K
RBC Total Deductions RB0009 $638K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $6.7M
RBC Risk-Based Capital Numerator RB0012 $6.7M
NCUA data file FS220R (37 items)

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

Polam Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $27.2M
RBC Schedule Total Consumer Loans RB0060 $2.5M
RBC Schedule Total Commercial Loans RB0068 $3.1M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $78K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $78K
RBC Schedule Total Loans RB0079 $35.6M
RBC Total for Risk Weighting Total Loans RB0081 -$78K
RBC Total Loans 0% Weight RB0082 -$78K
RBC Schedule Total Other Assets RB0088 $1.9M
RBC Total for Risk Weighting Other Assets RB0090 $638K
RBC Other Assets 0% Weight RB0091 $638K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $73.2M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $561K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $561K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $73.2M
RBC Allowance for Credit Losses (Loans) RB0177 $78K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid >5 Years RL0007 $9
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0008 $3.7M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0010 $58
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0011 $19.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Balloon/Hybrid 5 Years or Less RL0012 $335K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $23.1M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $335K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Adjustable Rate RL0021 6.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Adjustable Rate RL0022 444,547.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 41.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 6,619,613.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 315,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $7.1M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $315K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $114
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $30.1M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $650K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $26.4M
Total Shares SH0013 $65.0M
Total Shares and Deposits SH0018 $65.5M
Total Non-Member Deposits SH0880 $499K
NCUA data file FS220S (4 items)

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

Polam 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
Person-to-Person payments PP0045 $1
Located in Metropolitan Statistical Area (MSA) PR0001 $1
home purchase loan or refinanced a home purchase loan PR0002 $1

Polam 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 Polam Federal Credit Union call report?

The Polam 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 Polam Federal Credit Union file?

Polam 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 Polam 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 Polam Federal Credit Union is 19739.

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

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

Polam Federal Credit Union financials and ratios →

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