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Credit union call report ยท Sharon, MA

Sharon & Crescent United Credit Union Call Report

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Sharon & Crescent United Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 479 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Sharon & Crescent United Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number67836
Federal Reserve RSSD ID506098

The official copy: search charter number 67836 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Sharon & Crescent United Credit Union call report, Q2 2026

Statement of Financial Condition (36 items)
Sharon & Crescent United Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $3.5M
1b. Cash Items in Process of Collection AS0005 $1.4M
1c. Total Cash on Hand 730A $4.9M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $147K
2c. Cash on Deposit in Other Financial Institutions 730B2 $100.1M
2. Cash on Deposit (total) 730B $100.2M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $105.1M
8. Available-for-Sale Debt Securities AS0067 $288.9M
11. TOTAL INVESTMENT SECURITIES AS0013 $288.9M
12b. Perpetual Contributed Capital 769B $185K
12c. All Other Investments AS0016 $6.6M
13. TOTAL OTHER INVESTMENTS AS0017 $6.7M
15a. Number of Total Loans and Leases 025A 16,786
15b. Total Loans and Leases 025B $966.2M
17. ACL on Loans and Leases AS0048 $7.3M
18c. Foreclosed/Repossessed - Vehicles AS0024 $42K
18e. Foreclosed/Repossessed Assets (total) 798A $42K
19. Land and Building 007 $9.9M
20. Other Fixed Assets 008 $1.2M
21. NCUA Share Insurance Capitalization Deposit 794 $9.1M
22a. Goodwill 009D2 $167K
22b. Mortgage Servicing Rights 779 $212K
22d. Accrued Interest on Loans 009A $2.8M
22e. Accrued Interest on Investments 009B $590K
22f. All Other Assets 009C $18.0M
22g. Total Other Assets AS0036 $21.8M
23. TOTAL ASSETS 010 $1.40B
Accounts Payable and Other Liabilities 825 $10.9M
ACL on Off-Balance-Sheet Exposures LI0003 $154K
Borrowings (total) 860C $146.0M
Member Shares of All Types 013 $1.07B
Total Shares and Deposits 018 $1.07B
Undivided Earnings 940 $117.2M
Total Net Worth 997 $179.9M
Net Worth Ratio 998 12.83%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $1.40B
Statement of Income and Expense (29 items)
Sharon & Crescent United Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $24.0M
3. Income from Investments 120 $8.1M
5. TOTAL INTEREST INCOME 115 $32.2M
6. Dividends on Shares 380 $2.2M
7. Interest on Deposits 381 $6.2M
8. Interest on Borrowed Money 340 $2.8M
9. TOTAL INTEREST EXPENSE 350 $11.2M
10. NET INTEREST INCOME IS0010 $21.0M
12a. Credit Loss Expense - Loans and Leases IS0011 $1.6M
12d. Credit Loss Expense - Off-Balance-Sheet IS0016 $47K
12e. Total Credit Loss Expense IS0017 $1.6M
13. Fee Income 131 $905K
14. Other Operating Income IS0020 $1.5M
16. Gain (Loss) on Other Investments IS0047 $455K
18. Gain (Loss) on Disposition of Fixed Assets 430 -$20K
19. Gain (Loss) on Sale of Loans IS0029 $45K
23. TOTAL NON-INTEREST INCOME 117 $2.9M
24. Employee Compensation and Benefits 210 $9.1M
25. Travel and Conference 230 $101K
26. Office Occupancy 250 $1.1M
27. Office Operations 260 $2.2M
28. Educational and Promotional 270 $709K
29. Loan Servicing 280 $430K
30. Professional and Outside Services 290 $2.2M
31. Member Insurance 310 -$4K
32. Operating Fees 320 $62K
33. Miscellaneous Operating Expense 360 $151K
34. TOTAL NON-INTEREST EXPENSE 671 $16.1M
35. NET INCOME 661A $6.2M
Statement pages - all other filed accounts (26 items)

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

Sharon & Crescent United 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 $4.0M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $1.8M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $1.2M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $130K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $78K
Loans Granted Year-to-Date 031A $1K
Amount of Loans Granted Year-to-Date 031B $107.6M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $4.1M
Number of current members (not number of accounts) 083 70,546
Number of potential members 084 5,375,632
Net Member Business Loan Balance 400A $131.1M
Interest Rate of Unsecured Credit Card Loans 521 1,598.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,226.00%
Interest Rate of New Vehicle Loans 523 522.00%
Interest Rate of Used Vehicle Loans 524 605.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $469K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $245K
Total Amount of All Other Shares 630 $3.2M
Amount of Regular Shares 657 $328.9M
Balance Outstanding of All Interest Only & Payment Option 1st Mortgage Loans. 704C1 $12.7M
Amount of Share Drafts 902 $240.2M
IRA/KEOGH Accounts - < 1 Year 906A $42.6M
Share Certificates - < 1 Year 908A $262.0M
Total Amount of Share Certificates 908C $297.5M
Total Amount of Money Market Shares 911 $140.2M
Number of Used Vehicle Loans 968 4,266
NCUA data file FS220A (31 items)

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

Sharon & Crescent United Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $1.02B
Total Shares - 1-3 Years 013B1 $46.1M
Total Shares - > 3 Years 013B2 $2.4M
Total Shares and Deposits - < 1 Year 018A $1.02B
Total Shares and Deposits - 1-3 Years 018B1 $46.1M
Total Shares and Deposits - > 3 Years 018B2 $2.4M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 83
Amount of Delinquent Indirect Loans 041E $213K
Effective date of last audit 063 $62K
Amount of Used Vehicle Loans 370 $43.0M
Amount of New Vehicle Loans 385 $9.6M
Amount of Unsecured Credit Card Loans 396 $4.8M
Amount of All Other Unsecured Loans/Lines of Credit 397 $13.4M
Share Certificates 451 $6K
Number of Accounts for Share Drafts 452 35,344
IRA/KEOGH Accounts 453 $3K
Number of Accounts for Regular Shares 454 82,048
All other shares 455 $2K
Money Market Shares 458 $2K
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 129,838
Number of credit union employees who are Full-Time (26 hours or more) 564A 154
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 13
Number of Outstanding Indirect Loans 617A 2,591
Total Amount of Outstanding Indirect Loans 618A $36.3M
Amount of real estate loans sold but serviced by the credit union 779A $41.3M
Total credit lines 881 $442.5M
Draws against lines of credit, less than 1 year 883A $105.3M
Draws against lines of credit, 1 to 3 years 883B1 $34.1M
Draws against lines of credit, more than 3 years 883B2 $6.5M
Draws against lines of credit, total amount 883C $146.0M
Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 945A $766K
NCUA data file FS220B (32 items)

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

Sharon & Crescent United Credit Union, NCUA data file 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 $330
Number - Total Delinquent Credit Card Loans 045A 11
Total Amount of Delinquent Unsecured Credit Card Loans 045B $41K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $151.3M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $151.3M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $914.3M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $62K
All other shares - < 1 Year 630A $3.2M
Amount of Regular Shares - < 1 Year 657A $328.9M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $104K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $4K
Total Amount of All First Mortgage Loans which have been sold in the secondary market year-to-date 736 $3.9M
Total Borrowings - < 1 Year 860A $105.3M
Total Borrowings - 1-3 Years 860B1 $34.1M
Total Borrowings - > 3 Years 860B2 $6.5M
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 $151.3M
Is your credit union a member of a Federal Home Loan Bank? 896 $1
Amount of Share Drafts - < 1 Year 902A $240.2M
IRA/KEOGH Accounts - 1-3 Years 906B1 $11.1M
IRA/KEOGH Accounts - > 3 Years 906B2 $1.8M
Total Amount of IRA/KEOGH Accounts 906C $55.5M
Share Certificates - 1-3 Years 908B1 $34.9M
Share Certificates - > 3 Years 908B2 $642K
Money Market Shares - < 1 Year 911A $140.2M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $2.8M
Number of New Vehicle Loans 958 490
Total Shares 966 $130K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $225K
Number of Unsecured Credit Card Loans 993 2,989
Number of All Other Unsecured Loans/Lines of Credit 994 2,039
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 13
NCUA data file FS220C (8 items)

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

Sharon & Crescent United 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
Total Amount of Indirect Loans Charged Off Year-to-Date 550E $334K
Total Amount of All Participation Loans Charged Off Year-to-Date 550F $100K
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $217K
Total Amount of All Year-to-Date Recoveries on Charged-Off Participation Loans 551F $7K
Number of credit union branches (include the main office if member services are conducted at that location) 566 11
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $175.8M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $18.9M
NCUA data file FS220D (29 items)

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

Sharon & Crescent United Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Financial Education 879B2 $1
Financial Literacy Workshops 879B3 $1
First Time Homebuyer Program 879B4 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Credit Builder 879D1 $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
External or Third-Party Account Aggregation 887M $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
Point-of-sale-Processing PI0012 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA data file FS220G (12 items)

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

Sharon & Crescent United Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $62.6M
Total Outstanding Amount of Participation Loans Purchased By Type 691L $6.1M
Outstanding Amount of Real Estate Participation Loans Purchased 691L2 $33K
Total Outstanding Amount of Participation Loans Sold By Type 691N $538K
Outstanding Amount of Real Estate Participation Loans Sold 691N2 $535K
Number of Outstanding Int Only & Payment Option 1st Mtg Loans 704C2 100
Amount of Outstanding Int Only & Payment Option 1st Mtg Loans Granted YTD 704C3 $6.2M
Total Value of Investments in CUSOs 851 $25K
Total Aggregate Cash Outlay in CUSOs 853 $25K
Assets Pledged to Secure Borrowings 878 $653.0M
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $62.6M
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $62.6M
NCUA data file FS220H (14 items)

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

Sharon & Crescent United Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Amount of Non-Federally Guaranteed Student Loans - 1 to <2 months 020T $5K
Amount of Non-Federally Guaranteed Student Loans - 2 to <6 months 021T $1K
Total Amount of Reportable Delinquency Non-Federally Guaranteed Student Loans 041T $5K
Total number of reportable Non-Federally Guaranteed Student Loans delinquent 053E $4
Non-Federally Guaranteed Student Loans YTD Charge Offs 550T $4K
Non-Federally Guaranteed Student Loans YTD Recoveries 551T $4K
Interest Rate on Non-Federally Guaranteed Student Loans 595A 700.00%
Outstanding Amount of Non-Federally Guaranteed Student Loans Participations Purchased 691L7 $493K
Outstanding Amount of Non-Federally Guaranteed Student Loans Participations Sold 691N7 $4K
Amount of Non-Federally Guaranteed Student Loans 698A $815K
Total Unfunded Commitments for all loan types 816A $176.2M
Number of Non-Federally Guaranteed Student Loans 963A 744
Total number of TDR loans outstanding 1000F $3
Total amount of TDR loans outstanding 1001F $655K
NCUA data file FS220I (15 items)

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

Sharon & Crescent United Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $118K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $800K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $43K
Number of Reportable Delinquent New Vehicle Loans 035E1 1
Number of Reportable Delinquent Used Vehicle Loans 035E2 33
Amount of Reportable Delinquent New Vehicle Loans 041C1 $13K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $214K
Amount of New Vehicle Loans YTD Charge Offs 550C1 $8
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $235K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $168K
Commercial Share Accounts 643 $42.3M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $100K
Draws Against LOCs from FHLB 885A3 $146.0M
Total Draws Againts LOCs 885A4 $146.0M
Number of International Remittances originated Year-to-Date 928 79
NCUA data file FS220J (4 items)

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

Sharon & Crescent United Credit Union, NCUA data file FS220J, Q2 2026
Line item Account Q2 2026
Other Assets - Split Dollar Life Insurance Arrangements - Collateral Assignment 789E $11.4M
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $11.4M
Total Derivative Transactions Outstanding - Total Derivatives - Total Notional Amount 1030 $100.0M
Total Derivative Transactions Outstanding - Total Derivatives - Net Fair Value Gain (Loss) 1030C $774K
NCUA data file FS220L (45 items)

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

Sharon & Crescent United Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $17K
Total Amount of Loans & Leases on Loan Schedule 025B1 $966.2M
Outstanding Balance of Member Commercial Loans Secured by Farmland 042A5 $613K
Amount of Agricultural Commercial Loans 042A9 $613K
Total number of commercial loans to members granted or purchased YTD 090A1 $34
Number of member commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090H2 4
Number of member commercial loans Secured by Non-Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090J2 2
Total Number of member commercial real estate secured loans granted or purchased YTD 090K2 $11
Number of Member Commercial and industrial loans granted or purchased YTD 090L2 23
Number of member commercial loans Secured by Multifamily Property granted or purchased YTD 090M 3
Number of member construction and development commercial loans 143A3 5
Outstanding balance of member construction and development commercial loans 143B3 $8.7M
Number of member construction and development commercial loans granted or purchased YTD 143C3 2
Dollar Amount of member construction and development commercial loans granted or purchased YTD 143D3 $2.5M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $140.4M
Amount of All Other Real Estate Loans/Lines of Credit 386B $21K
Total outstanding balance of commercial loans to members 400A1 $122.6M
Total outstanding balance of nonmember commercial loans 400B1 $2.3M
Outstanding balance of Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 400C6 $171K
Outstanding balance of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 400H2 $19.9M
Outstanding balance of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 400J2 $50.6M
Outstanding balance of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400J3 $2.3M
Outstanding balance of Member Commercial and Industrial loans 400L2 $8.7M
Outstanding balance of member commercial loans Secured Multifamily Property 400M $33.9M
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $8.9M
Outstanding balance of all member and non-member commercial loans 400T1 $124.8M
Total Dollar amount of member commercial loans granted or purchased YTD 475A1 $10.0M
Dollar Amount of Member Commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 475H2 $1.5M
Dollar Amount of Member Commercial loans Secured by Non-Owner Occupied Non-Farm, Non-Residential Property granted or purchased YTD 475J2 $975K
Total Dollar amount of real estate secured member commercial loans granted or purchased YTD 475K2 $7.7M
Dollar Amount of Member Commercial and Industrial loans granted or purchased YTD 475L2 $2.3M
Dollar Amount of Member Commercial loans Secured by Multifamily Property granted or purchased YTD 475M $2.7M
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 656.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 662.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 658.00%
Interest Rate of All Other Real Estate Loans/Lines of Credit 562B 656.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 606.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 725.00%
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Purchased 691L8 $2.3M
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $26.6M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $602.7M
Balance Outstanding of 1st Mtg Residential construction Loans - Excluding Commercial Purpose 704A2 $1.7M
Total Outstanding Balance of real estate secured member commercial loans 718A3 $113.7M
Total Outstanding Balance of real estate secured nonmember commercial loans 718A4 $2.3M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $116.0M
NCUA data file FS220M (25 items)

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

Sharon & Crescent United 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 $126.5M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $24.8M
Total Unfunded Commitments for Commercial Loans 814K $7.4M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $677K
Total Unfunded Commitments for Non-Commercial Loans 816T $168.8M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $16.8M
Total number of member commercial loans 900A1 $207
Total number of nonmember commercial loans 900B1 $3
Number of Member Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 900C6 2
Number of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 900H2 44
Number of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 900J2 43
Number of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900J3 3
Total number of real estate secured member commercial loans 900K2 $145
Total number of real estate secured nonmember commercial loans 900K3 $3
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 148
Number of Member Commercial and Industrial loans 900L2 60
Number of member commercial loans Secured by Multifamily Property 900M 52
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 62
Total Number of Member and Nonmember commercial loans 900T1 $210
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 2,581
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 2,095
Number of All Other Real Estate Loans/Lines of Credit 960B 1
Number of member commercial loans Secured by Farmland 961A5 1
Number of Agricultural Commercial Loans 961A9 1
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 1,371
NCUA data file FS220N (15 items)

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

Sharon & Crescent United Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Available-for-sale Debt Securities <=1 Year AS0062 $112.3M
Available-for-sale Debt Securities >1 and <=3 Years AS0063 $551K
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $8.9M
Available-for-sale Debt Securities >5 and <= 10 Years AS0065 $167.2M
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$1.5M
Total Liabilities LI0069 $1.22B
Number of Non-Commercial Small Business Administration Loans LN0050 2
Outstanding Balance of Non-Commercial Small Business Administration Loans LN0051 $32K
Guaranteed Portion of Non-Commercial Small Business Administration Loans LN0052 $19K
Number of Small Business Administration Paycheck Protection Program Loans LN0056 1
Outstanding Balance of Small Business Administration Paycheck Protection Program Loans LN0057 $6K
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $344K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $1.40B
Number of Loans Purchased from Other Financial Institutions YTD (Whole or partial loans) SL0014 4
Amount of Loans Purchased from Other Financial Institutions YTD (Whole or partial loans) SL0015 $4.6M
NCUA data file FS220P (48 items)

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

Sharon & Crescent United 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 $25K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $14K
Loan Loss Information - YTD Charge Offs - All Other Secured Non-Real Estate Loans/Lines of Credit CH0015 $100K
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $55K
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $115.8M
Unsecured Credit Card Loans DL0002 $40K
Non-Federally Guaranteed Student Loans DL0016 $4K
All Other Unsecured Loans/Lines of Credit DL0022 $42K
All Other Unsecured Loans/Lines of Credit DL0024 $13K
All Other Unsecured Loans/Lines of Credit DL0025 $2K
All Other Unsecured Loans/Lines of Credit DL0027 $15K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $8
New Vehicle Loans DL0030 $13K
Used Vehicle Loans DL0037 $172K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $165K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $94K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $31K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $125K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $5
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $542K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $521K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $940K
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0060 $1.1M
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0061 $57K
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 $2.6M
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 $11
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $2.2M
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0065 $120K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0066 $747K
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0067 $185K
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0068 $73K
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 $1.1M
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 $10
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $963K
Amount of reportable delinquency included in Total Delinquent Loans and Leases (Account 041B), that relates to: Participation Loans Purchased under 701.22 DL0142 $95K
Amount of reportable delinquency included in Total Delinquent Loans and Leases (Account 041B), that relates to: Whole or Partial Loans Purchased under 701.23 DL0144 $1.1M
Amount of Consumer Loans in Non-Accrual Status DL0145 $3.2M
Interest Rate Derivative Swaps Total Notional Amount DT0005 100,000,000.00%
Interest Rate Derivative Swaps Net Fair Value Gain (Loss) DT0006 774,389.00%
Number of Indirect Loans - New and Used Vehicle Loans IN0001 2,364
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $17.2M
Number of Indirect Loans - All Other Loans IN0007 227
Amount of Indirect Loans - All Other Loans IN0008 $19.1M
Off-Balance Sheet Exposures - Totally Unconditionally Cancelable Unfunded Commitments for All Loan Types LQ0013 $16.8M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Commercial Loans LQ0014 $7.4M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Secured and Real Estate LQ0015 $126.5M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Unsecured LQ0016 $25.5M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments -Total LQ0017 $159.5M
NCUA data file FS220Q (31 items)

investment portfolio detail (69%)

Sharon & Crescent United Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Off-Balance Sheet Exposures - Loans Transferred under the FHLB MPF program LQ0021 $28.3M
Borrowing Arrangements - Line of Credit Limit - Federal Home Loan Bank LQ0040 $417.5M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Federal Home Loan Bank LQ0043 $628.0M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - FRB LQ0047 $25.0M
Total Borrowings LQ0860 $146.0M
Available-for-sale Amortized Cost - US Government Obligations NV0003 $25.0M
Available-for-sale Fair Value - US Government Obligations NV0004 $24.8M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0019 $265.5M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0020 $264.1M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0023 $265.5M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0024 $264.1M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $290.5M
Total Fair Value Available-for-Sale Debt Securities NV0084 $288.9M
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $288.9M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $6.7M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $6.7M
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $112.3M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $7.3M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $8.9M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $167.2M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $295.7M
Investment - Memoranda - Realized Gains (Losses) - Realized Gains (Losses) on Available for Sale Securities NV0160 $455K
Total Gain (Loss) on Investments NV0162 $455K
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Collateral Assignment - Cash Surrender Value NV0170 $10.8M
RBC Total Equity RB0001 $179.9M
RBC Allowance for Credit Losses RB0002 $7.5M
RBC Total Additions RB0005 $7.5M
RBC Total Deductions RB0009 $9.3M
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $178.1M
RBC Risk-Based Capital Numerator RB0012 $178.1M
Participation Loans: Participations Purchased - Outstanding Balance - Amount - Vehicle - Non-commercial SL0036 $3.3M
NCUA data file FS220R (70 items)

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

Sharon & Crescent United Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Total Borrowing Capacity at Federal Reserve Bank LQ0061 $25.0M
CCULR Election to opt into the Complex Credit Union Leverage Ratio LR0001 1.00%
CCULR Off-Balance sheet exposures LR0002 $187.7M
CCULR Off-Balance sheet exposures ratio LR0003 1,339.00%
CCULR Goodwill and Other Intangible Assets LR0006 $167K
CCULR Goodwill and Other Intangible Assets Ratio LR0007 1.00%
RBC Schedule Total Investments RB0039 $295.7M
RBC Schedule Total Consumer Loans RB0060 $98.2M
RBC Schedule Total Commercial Loans RB0068 $124.8M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $7.3M
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $7.3M
RBC Schedule Total Loans RB0079 $958.8M
RBC Total for Risk Weighting Total Loans RB0081 -$7.3M
RBC Total Loans 0% Weight RB0082 -$7.3M
RBC Schedule Total Other Assets RB0088 $42.1M
RBC Total for Risk Weighting Other Assets RB0090 $9.3M
RBC Other Assets 0% Weight RB0091 $9.3M
RBC Total from Schedule On-Balance Sheet Assets RB0099 $1.40B
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $2.0M
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $2.0M
RBC Over-the-Counter Derivatives Credit Equivalent Amount RB0140 $500K
RBC Over-the-Counter Derivatives 0% Weight RB0141 $500K
RBC Total Off-Balance Sheet and Derivative Credit Equivalent Amount RB0153 $500K
RBC Total Off-Balance Sheet and Derivative 0% Weight RB0154 $500K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $1.40B
RBC Allowance for Credit Losses (Loans) RB0177 $7.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 1,025.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 188,447,928.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 4,514,600.00%
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 627.00%
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 57,985,410.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 2,365,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid >5 Years RL0007 $396
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0008 $158.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0009 $10.5M
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 $335
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 $180.7M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Balloon/Hybrid 5 Years or Less RL0012 $30.8M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 198.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 17,284,823.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Adjustable Rate RL0015 7,703,990.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $602.7M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $55.9M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 1,017.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 64,726,638.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 4,935,400.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Adjustable Rate RL0021 87.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Adjustable Rate RL0022 2,207,589.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 991.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 73,431,548.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 23,856,890.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $140.4M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $28.8M
All Other (Non-commercial) Real Estate - Closed-End - Adjustable Rate - Number of Loans Outstanding RL0035 1.00%
All Other (Non-commercial) Real Estate - Closed-End - Adjustable Rate - Amount of Loans Outstanding RL0036 21,433.00%
All Other (Non-commercial) Real Estate - Amount of Loans Outstanding - Total RL0044 $21K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $5K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $743.1M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $84.7M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $385.3M
Total Shares SH0013 $1.07B
Total Shares and Deposits SH0018 $1.07B
Number of Outstanding Loans Purchased from Other Financial Institutions SL0018 186
Amount of Outstanding Loans Purchased from Other Financial Institutions SL0019 $105.1M
Number of Loans Sold, Year-to-date SL0022 9
Amount of Loans Sold, Year-to-date SL0023 $3.9M
Number of First Mortgage loans sold on the secondary market, Year-to-date SL0024 9
Number of Real Estate Loans Sold with Servicing Retained, Year-to-date SL0028 9
Amount of Real Estate Loans Sold with Servicing Retained, Year-to-date SL0029 $3.9M
Number of Outstanding Real Estate Loans Sold with Servicing Retained SL0030 265
NCUA data file FS220S (9 items)

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

Sharon & Crescent United 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
Auto Lending PP0038 $1
Mortgage Lending PP0039 $1
Secured personal loans PP0040 $1
Unsecured personal loans PP0041 $1
Communication PP0047 $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

Sharon & Crescent United 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 Sharon & Crescent United Credit Union call report?

The Sharon & Crescent United 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 Sharon & Crescent United Credit Union file?

Sharon & Crescent United 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 Sharon & Crescent United 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 Sharon & Crescent United Credit Union is 67836.

How often does Sharon & Crescent United Credit Union file a call report?

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

Sharon & Crescent United Credit Union financials and ratios →

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