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Credit union call report ยท Fresno, CA

San Joaquin Power Employees Credit Union Call Report

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San Joaquin Power Employees Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 223 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

San Joaquin Power Employees Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number66788
Federal Reserve RSSD ID981891

The official copy: search charter number 66788 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

San Joaquin Power Employees Credit Union call report, Q2 2026

Statement of Financial Condition (33 items)
San Joaquin Power Employees Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $2K
1b. Cash Items in Process of Collection AS0005 $203K
1c. Total Cash on Hand 730A $205K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $5.5M
2. Cash on Deposit (total) 730B $5.5M
3. Time Deposits in Banks and Credit Unions AS0007 $32.7M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $38.5M
9. Held-to-Maturity Debt Securities AS0073 $6.0M
11. TOTAL INVESTMENT SECURITIES AS0013 $6.0M
12b. Perpetual Contributed Capital 769B $80K
12c. All Other Investments AS0016 $2.1M
13. TOTAL OTHER INVESTMENTS AS0017 $2.1M
15a. Number of Total Loans and Leases 025A 2,562
15b. Total Loans and Leases 025B $126.0M
17. ACL on Loans and Leases AS0048 $1.2M
19. Land and Building 007 $1.4M
20. Other Fixed Assets 008 $30K
21. NCUA Share Insurance Capitalization Deposit 794 $1.5M
22d. Accrued Interest on Loans 009A $234K
22e. Accrued Interest on Investments 009B $151K
22f. All Other Assets 009C $164K
22g. Total Other Assets AS0036 $549K
23. TOTAL ASSETS 010 $174.9M
Accounts Payable and Other Liabilities 825 $217K
Accrued Dividends and Interest Payable 820A $2.9M
Member Shares of All Types 013 $144.9M
Total Shares and Deposits 018 $144.9M
Undivided Earnings 940 $23.3M
Other Reserves 658 $3.1M
Net Income (equity) 602 $499K
Total Net Worth 997 $26.9M
Net Worth Ratio 998 15.39%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $174.9M
Statement of Income and Expense (23 items)
San Joaquin Power Employees Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $3.2M
3. Income from Investments 120 $996K
5. TOTAL INTEREST INCOME 115 $4.2M
6. Dividends on Shares 380 $2.9M
9. TOTAL INTEREST EXPENSE 350 $2.9M
10. NET INTEREST INCOME IS0010 $1.4M
12a. Credit Loss Expense - Loans and Leases IS0011 $21K
12e. Total Credit Loss Expense IS0017 $21K
13. Fee Income 131 $9K
22. Other Non-Operating Income 440 $64K
23. TOTAL NON-INTEREST INCOME 117 $74K
24. Employee Compensation and Benefits 210 $651K
25. Travel and Conference 230 $6K
26. Office Occupancy 250 $84K
27. Office Operations 260 $48K
28. Educational and Promotional 270 $7K
29. Loan Servicing 280 $24K
30. Professional and Outside Services 290 $79K
31. Member Insurance 310 $1K
32. Operating Fees 320 $12K
33. Miscellaneous Operating Expense 360 $9K
34. TOTAL NON-INTEREST EXPENSE 671 $921K
35. NET INCOME 661A $483K
Statement pages - all other filed accounts (13 items)

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

San Joaquin Power Employees 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 $87K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $4K
Loans Granted Year-to-Date 031A $372
Amount of Loans Granted Year-to-Date 031B $19.2M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $48K
Number of current members (not number of accounts) 083 6,559
Number of potential members 084 69,633
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 748.00%
Interest Rate of New Vehicle Loans 523 483.00%
Interest Rate of Used Vehicle Loans 524 457.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $29K
Amount of Regular Shares 657 $144.9M
Number of Used Vehicle Loans 968 934
NCUA data file FS220A (11 items)

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

San Joaquin Power Employees Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $144.9M
Total Shares and Deposits - < 1 Year 018A $144.9M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 3
Effective date of last audit 063 $122K
Amount of Used Vehicle Loans 370 $20.0M
Amount of New Vehicle Loans 385 $18.4M
Amount of All Other Unsecured Loans/Lines of Credit 397 $2.5M
Number of Accounts for Regular Shares 454 6,682
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 6,682
Number of credit union employees who are Full-Time (26 hours or more) 564A 7
Total credit lines 881 $4.0M
NCUA data file FS220B (10 items)

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

San Joaquin Power Employees Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $144.9M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $122K
Amount of Regular Shares - < 1 Year 657A $144.9M
Fair value of Held to Maturity Securities 801 $5.9M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $1.5M
Number of New Vehicle Loans 958 614
Total Shares 966 $7K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $3K
Number of All Other Unsecured Loans/Lines of Credit 994 234
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 28
NCUA data file FS220C (4 items)

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

San Joaquin Power Employees 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 1
Amount of Participation Loans Purchased Year-to-Date 690 $3.3M
Outstanding balance of brokered certificates of deposit and share certificates 788 $7.7M
NCUA data file FS220D (9 items)

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

San Joaquin Power Employees Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
Bilingual Services 879C1 $1
Brokered Certificates of Deposits 879N $1
Low-cost wire transfers 879W $1
Loan Payments 887F $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
Informational Website PI0007 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
NCUA data file FS220G (2 items)

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

San Joaquin Power Employees Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Outstanding Amount of Participation Loans Purchased By Type 691L $31.3M
Total Credit Lines at Corporate Credit Unions 884 $4.0M
NCUA data file FS220H (2 items)

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

San Joaquin Power Employees Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total number of TDR loans outstanding 1000F $2
Total amount of TDR loans outstanding 1001F $53K
NCUA data file FS220I (6 items)

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

San Joaquin Power Employees Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $19K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $29K
Number of Reportable Delinquent Used Vehicle Loans 035E2 2
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $44K
Amount of New Vehicle Loans YTD Charge Offs 550C1 $9K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $4K
NCUA data file FS220J (2 items)

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

San Joaquin Power Employees Credit Union, NCUA data file FS220J, Q2 2026
Line item Account Q2 2026
Other Investments 789D $2.1M
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $2.1M
NCUA data file FS220L (23 items)

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

San Joaquin Power Employees Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $3K
Total Amount of Loans & Leases on Loan Schedule 025B1 $126.0M
Total number of purchased commercial loans or participation interests to nonmembers purchased YTD 090B1 $2
Number of purchased or participation interests in commercial loans secured by non-owner occupied non-farm, non-residential property to nonmembers purchased YTD 090J3 2
Total Number of purchased or participation interests in commercial loans secured by real estate to nonmembers YTD 090K3 $2
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $5.3M
Total outstanding balance of nonmember commercial loans 400B1 $31.3M
Outstanding balance of purchased or participation interests in commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400H3 $1.2M
Outstanding balance of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400J3 $28.6M
Outstanding balance of purchased or participation interests in commercial loans to nonmembers Secured by Multifamily Property 400M1 $1.5M
Outstanding balance of all member and non-member commercial loans 400T1 $31.3M
Total Dollar amount of nonmember commercial loans purchased YTD 475B1 $3.3M
Dollar Amount of Purchased or participation interests in commercial loans to nonmembers Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property purchased YTD 475J3 $3.3M
Total Dollar amount of real estate secured commercial loans to nonmembers purchased YTD 475K3 $3.3M
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 600.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 682.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 532.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 495.00%
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Purchased 691L8 $31.3M
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $9.6M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $38.9M
Total Outstanding Balance of real estate secured nonmember commercial loans 718A4 $31.3M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $31.3M
NCUA data file FS220M (10 items)

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

San Joaquin Power Employees Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total number of nonmember commercial loans 900B1 $26
Number of purchased or participation interests in commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900H3 1
Number of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900J3 24
Total number of real estate secured nonmember commercial loans 900K3 $26
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 26
Number of purchased or participation interests in commercial loans Secured by Multifamily Property to nonmembers 900M1 1
Total Number of Member and Nonmember commercial loans 900T1 $26
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 183
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 83
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 488
NCUA data file FS220N (5 items)

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

San Joaquin Power Employees Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Held-to-Maturity Debt Securities >1 and <=3 Years AS0069 $2.5M
Held-to-Maturity Debt Securities >3 and <=5 Years AS0070 $3.0M
Held-to-Maturity Debt Securities >5 and <= 10 Years AS0071 $471K
Total Liabilities LI0069 $147.9M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $174.9M
NCUA data file FS220P (10 items)

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

San Joaquin Power Employees 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 $17K
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $31.3M
All Other Unsecured Loans/Lines of Credit DL0022 $11K
All Other Unsecured Loans/Lines of Credit DL0024 $4K
All Other Unsecured Loans/Lines of Credit DL0027 $4K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $1
Used Vehicle Loans DL0037 $44K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $28K
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $44K
Amount of Consumer Loans in Non-Accrual Status DL0145 $48K
NCUA data file FS220Q (25 items)

investment portfolio detail (69%)

San Joaquin Power Employees Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Held-to-maturity Amortized Cost - Federal Agency Securities - Non-Guaranteed - Agency/GSE Debt Instruments - Non-Guaranteed NV0025 $6.0M
Held-to-maturity Fair Value - Federal Agency Securities - Non-Guaranteed - Agency/GSE Debt Instruments - Non-Guaranteed NV0026 $5.9M
Held-to-maturity Amortized Cost - Federal Agency Securities - Non-Guaranteed - Total Federal Agency Securities - Non-Guaranteed NV0033 $6.0M
Held-to-maturity Fair Value - Federal Agency Securities - Non-Guaranteed - Total Federal Agency Securities - Non-Guaranteed NV0034 $5.9M
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $6.0M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $13.2M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $11.5M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $8.0M
Investment Maturity Distribution - Time Deposits - Total NV0116 $32.7M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $6.0M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $80K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >3-5 Years NV0143 $2.1M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $2.1M
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $13.2M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $14.1M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $13.1M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $471K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $40.8M
RBC Total Equity RB0001 $26.9M
RBC Allowance for Credit Losses RB0002 $1.2M
RBC Total Additions RB0005 $1.2M
RBC Total Deductions RB0009 $1.5M
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $26.7M
RBC Risk-Based Capital Numerator RB0012 $26.7M
Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - Commercial Loans excluding Construction & Development SL0049 $3.3M
NCUA data file FS220R (32 items)

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

San Joaquin Power Employees Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $8.1M
RBC Schedule Total Consumer Loans RB0060 $50.5M
RBC Schedule Total Commercial Loans RB0068 $31.3M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $1.2M
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $1.2M
RBC Schedule Total Loans RB0079 $124.8M
RBC Total for Risk Weighting Total Loans RB0081 -$1.2M
RBC Total Loans 0% Weight RB0082 -$1.2M
RBC Schedule Total Other Assets RB0088 $3.5M
RBC Total for Risk Weighting Other Assets RB0090 $1.5M
RBC Other Assets 0% Weight RB0091 $1.5M
RBC Total from Schedule On-Balance Sheet Assets RB0099 $174.9M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $213K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $213K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $174.9M
RBC Allowance for Credit Losses (Loans) RB0177 $1.2M
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 $183
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 $38.9M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Balloon/Hybrid 5 Years or Less RL0012 $3.4M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $38.9M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $3.4M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Adjustable Rate RL0021 83.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Adjustable Rate RL0022 5,324,087.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Adjustable Rate RL0023 889,902.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $5.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $890K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $266
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $44.2M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $4.3M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $44.2M
Total Shares SH0013 $144.9M
Total Shares and Deposits SH0018 $144.9M
NCUA data file FS220S (3 items)

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

San Joaquin Power Employees Credit Union, NCUA data file FS220S, Q2 2026
Line item Account Q2 2026
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

San Joaquin Power Employees 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 San Joaquin Power Employees Credit Union call report?

The San Joaquin Power Employees 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 San Joaquin Power Employees Credit Union file?

San Joaquin Power Employees 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 San Joaquin Power Employees 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 San Joaquin Power Employees Credit Union is 66788.

How often does San Joaquin Power Employees Credit Union file a call report?

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

San Joaquin Power Employees Credit Union financials and ratios →

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