Skip to main content

Credit union call report ยท Rome, NY

Rome Federal Credit Union Call Report

BankRegReports is independent of Rome Federal Credit Union and never asks for online banking logins or passwords.

Rome Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 237 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Rome Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number1810
Federal Reserve RSSD ID267670

The official copy: search charter number 1810 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Rome Federal Credit Union call report, Q2 2026

Statement of Financial Condition (29 items)
Rome Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $400K
1c. Total Cash on Hand 730A $400K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $8.4M
2c. Cash on Deposit in Other Financial Institutions 730B2 $3K
2. Cash on Deposit (total) 730B $8.4M
3. Time Deposits in Banks and Credit Unions AS0007 $9.1M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $17.9M
12b. Perpetual Contributed Capital 769B $21K
13. TOTAL OTHER INVESTMENTS AS0017 $21K
15a. Number of Total Loans and Leases 025A 1,056
15b. Total Loans and Leases 025B $15.1M
17. ACL on Loans and Leases AS0048 $206K
18c. Foreclosed/Repossessed - Vehicles AS0024 $20K
18e. Foreclosed/Repossessed Assets (total) 798A $20K
19. Land and Building 007 $115K
20. Other Fixed Assets 008 $256K
21. NCUA Share Insurance Capitalization Deposit 794 $238K
22d. Accrued Interest on Loans 009A $50K
22g. Total Other Assets AS0036 $50K
23. TOTAL ASSETS 010 $33.5M
Accounts Payable and Other Liabilities 825 $56K
Member Shares of All Types 013 $29.9M
Total Shares and Deposits 018 $29.9M
Undivided Earnings 940 $3.3M
Other Reserves 658 $273K
Net Income (equity) 602 $37K
Total Net Worth 997 $3.6M
Net Worth Ratio 998 10.70%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $33.5M
Statement of Income and Expense (23 items)
Rome Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $524K
3. Income from Investments 120 $272K
5. TOTAL INTEREST INCOME 115 $797K
6. Dividends on Shares 380 $190K
9. TOTAL INTEREST EXPENSE 350 $190K
10. NET INTEREST INCOME IS0010 $607K
12a. Credit Loss Expense - Loans and Leases IS0011 $56K
12e. Total Credit Loss Expense IS0017 $56K
13. Fee Income 131 $45K
18. Gain (Loss) on Disposition of Fixed Assets 430 -$7K
22. Other Non-Operating Income 440 $65K
23. TOTAL NON-INTEREST INCOME 117 $103K
24. Employee Compensation and Benefits 210 $223K
25. Travel and Conference 230 $3K
26. Office Occupancy 250 $37K
27. Office Operations 260 $55K
28. Educational and Promotional 270 $20K
29. Loan Servicing 280 $7K
30. Professional and Outside Services 290 $198K
32. Operating Fees 320 $2K
33. Miscellaneous Operating Expense 360 $9K
34. TOTAL NON-INTEREST EXPENSE 671 $556K
35. NET INCOME 661A $98K
Statement pages - all other filed accounts (22 items)

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

Rome 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 $149K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $152K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $18K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $104K
Loans Granted Year-to-Date 031A $154
Amount of Loans Granted Year-to-Date 031B $2.8M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $290K
Number of current members (not number of accounts) 083 1,824
Number of potential members 084 30,000
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,033.00%
Interest Rate of New Vehicle Loans 523 582.50%
Interest Rate of Used Vehicle Loans 524 739.50%
Total Amount of All Loans Charged Off Year-to-Date 550 $73K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $19K
Total Amount of All Other Shares 630 $943K
Amount of Regular Shares 657 $12.5M
Amount of Share Drafts 902 $5.6M
IRA/KEOGH Accounts - < 1 Year 906A $328K
Share Certificates - < 1 Year 908A $9.5M
Total Amount of Share Certificates 908C $9.7M
Total Amount of Money Market Shares 911 $874K
Number of Used Vehicle Loans 968 159
NCUA data file FS220A (23 items)

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

Rome Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $29.7M
Total Shares - 1-3 Years 013B1 $176K
Total Shares - > 3 Years 013B2 $4K
Total Shares and Deposits - < 1 Year 018A $29.7M
Total Shares and Deposits - 1-3 Years 018B1 $176K
Total Shares and Deposits - > 3 Years 018B2 $4K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 13
Effective date of last audit 063 $62K
Amount of Used Vehicle Loans 370 $2.6M
Amount of New Vehicle Loans 385 $3.1M
Amount of All Other Unsecured Loans/Lines of Credit 397 $2.3M
Share Certificates 451 $149
Number of Accounts for Share Drafts 452 1,099
IRA/KEOGH Accounts 453 $16
Number of Accounts for Regular Shares 454 1,653
All other shares 455 $235
Money Market Shares 458 $35
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 3,187
Number of credit union employees who are Full-Time (26 hours or more) 564A 5
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 $451K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,599.00%
Total credit lines 881 $1.0M
NCUA data file FS220B (16 items)

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

Rome 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 $4.9M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $4.9M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $25.0M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $122K
All other shares - < 1 Year 630A $943K
Amount of Regular Shares - < 1 Year 657A $12.5M
Amount of Share Drafts - < 1 Year 902A $5.6M
Total Amount of IRA/KEOGH Accounts 906C $328K
Share Certificates - 1-3 Years 908B1 $176K
Share Certificates - > 3 Years 908B2 $4K
Money Market Shares - < 1 Year 911A $874K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $678K
Number of New Vehicle Loans 958 122
Total Shares 966 $3K
Number of All Other Unsecured Loans/Lines of Credit 994 535
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 13
NCUA data file FS220C (3 items)

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

Rome Federal Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $5
Number of credit union branches (include the main office if member services are conducted at that location) 566 1
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $6.8M
NCUA data file FS220D (20 items)

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

Rome Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
No Cost Share Drafts 879A4 $1
Financial Counseling 879B1 $1
Student Scholarships 879C4 $1
Mortgage Processing 879G $1
Deposits and Shares Meeting 703.10(a) 879M $1
International Remittances 879V $1
Low-cost wire transfers 879W $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
Remote Deposit Capture 887U $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA data file FS220G (1 item)

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

Rome Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Credit Lines at Corporate Credit Unions 884 $1.0M
NCUA data file FS220H (1 item)

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

Rome Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $529K
NCUA data file FS220I (11 items)

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

Rome Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $35K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $29K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $55K
Amount of Used Vehicle Loans Delinquent >=360 days 023C2 $16K
Number of Reportable Delinquent Used Vehicle Loans 035E2 4
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $78K
Amount of New Vehicle Loans YTD Charge Offs 550C1 $13K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $27K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $15K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $9K
Number of International Remittances originated Year-to-Date 928 1
NCUA data file FS220L (8 items)

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

Rome Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $1K
Total Amount of Loans & Leases on Loan Schedule 025B1 $15.1M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $812K
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 593.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 543.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 853.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $1.9M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $4.4M
NCUA data file FS220M (5 items)

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

Rome Federal Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Non-Commercial Loans 816T $529K
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $529K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 53
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 13
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 174
NCUA data file FS220N (3 items)

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

Rome Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Total Liabilities LI0069 $29.9M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $16K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $33.5M
NCUA data file FS220P (21 items)

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

Rome Federal Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $33K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $3K
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $564
All Other Unsecured Loans/Lines of Credit DL0022 $11K
All Other Unsecured Loans/Lines of Credit DL0024 $21K
All Other Unsecured Loans/Lines of Credit DL0025 $4K
All Other Unsecured Loans/Lines of Credit DL0027 $25K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $5
Used Vehicle Loans DL0037 $7K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $19K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $8K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0053 $15K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $23K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $2
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $56K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $75K
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0061 $88K
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 $163K
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 - 60-89 days - Total Delinquent Loans and Leases DL0141 $15K
Amount of Consumer Loans in Non-Accrual Status DL0145 $274K
NCUA data file FS220Q (16 items)

investment portfolio detail (69%)

Rome Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $3.5M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $2.9M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $2.6M
Investment Maturity Distribution - Time Deposits - Total NV0116 $9.1M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - <=1 Year NV0141 $21K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $21K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $3.6M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $2.9M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $2.6M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $9.1M
RBC Total Equity RB0001 $3.6M
RBC Allowance for Credit Losses RB0002 $206K
RBC Total Additions RB0005 $206K
RBC Total Deductions RB0009 $238K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $3.6M
RBC Risk-Based Capital Numerator RB0012 $3.6M
NCUA data file FS220R (33 items)

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

Rome Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $21K
RBC Schedule Total Consumer Loans RB0060 $9.9M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $206K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $206K
RBC Schedule Total Loans RB0079 $14.9M
RBC Total for Risk Weighting Total Loans RB0081 -$206K
RBC Total Loans 0% Weight RB0082 -$206K
RBC Schedule Total Other Assets RB0088 $678K
RBC Total for Risk Weighting Other Assets RB0090 $238K
RBC Other Assets 0% Weight RB0091 $238K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $33.5M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $31K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $31K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $33.5M
RBC Allowance for Credit Losses (Loans) RB0177 $206K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 19.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 2,297,536.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 121,600.00%
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 34.00%
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 2,062,666.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 109,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $4.4M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $231K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 13.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 812,008.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 391,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $812K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $391K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $66
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $5.2M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $622K
Total Shares SH0013 $29.9M
Total Shares and Deposits SH0018 $29.9M
NCUA data file FS220S (2 items)

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

Rome 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

Rome 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 Rome Federal Credit Union call report?

The Rome 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 Rome Federal Credit Union file?

Rome 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 Rome 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 Rome Federal Credit Union is 1810.

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

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

Rome Federal Credit Union financials and ratios →

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