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Credit union call report ยท McAllen, TX

South Texas Federal Credit Union Call Report

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South Texas Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 254 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

South Texas Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number8237
Federal Reserve RSSD ID427380

The official copy: search charter number 8237 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

South Texas Federal Credit Union call report, Q2 2026

Statement of Financial Condition (33 items)
South Texas Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $1.0M
1b. Cash Items in Process of Collection AS0005 $200K
1c. Total Cash on Hand 730A $1.2M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $26.1M
2c. Cash on Deposit in Other Financial Institutions 730B2 $18K
2. Cash on Deposit (total) 730B $26.1M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $27.3M
8. Available-for-Sale Debt Securities AS0067 $20.5M
11. TOTAL INVESTMENT SECURITIES AS0013 $20.5M
12b. Perpetual Contributed Capital 769B $66K
13. TOTAL OTHER INVESTMENTS AS0017 $66K
15a. Number of Total Loans and Leases 025A 2,079
15b. Total Loans and Leases 025B $17.8M
17. ACL on Loans and Leases AS0048 $320K
18c. Foreclosed/Repossessed - Vehicles AS0024 $21K
18e. Foreclosed/Repossessed Assets (total) 798A $21K
19. Land and Building 007 $1.6M
20. Other Fixed Assets 008 $88K
21. NCUA Share Insurance Capitalization Deposit 794 $622K
22d. Accrued Interest on Loans 009A $30K
22e. Accrued Interest on Investments 009B $55K
22f. All Other Assets 009C $1.4M
22g. Total Other Assets AS0036 $1.4M
23. TOTAL ASSETS 010 $69.2M
Accounts Payable and Other Liabilities 825 $387K
Borrowings (total) 860C $500K
Member Shares of All Types 013 $63.8M
Total Shares and Deposits 018 $63.8M
Undivided Earnings 940 $5.3M
Net Income (equity) 602 $139K
Total Net Worth 997 $5.9M
Net Worth Ratio 998 8.57%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $69.2M
Statement of Income and Expense (24 items)
South Texas Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $570K
3. Income from Investments 120 $697K
5. TOTAL INTEREST INCOME 115 $1.3M
6. Dividends on Shares 380 $43K
8. Interest on Borrowed Money 340 $31K
9. TOTAL INTEREST EXPENSE 350 $75K
10. NET INTEREST INCOME IS0010 $1.2M
12a. Credit Loss Expense - Loans and Leases IS0011 $95K
12e. Total Credit Loss Expense IS0017 $95K
13. Fee Income 131 $139K
14. Other Operating Income IS0020 $191K
22. Other Non-Operating Income 440 $42K
23. TOTAL NON-INTEREST INCOME 117 $371K
24. Employee Compensation and Benefits 210 $607K
25. Travel and Conference 230 $24K
26. Office Occupancy 250 $142K
27. Office Operations 260 $332K
28. Educational and Promotional 270 $19K
29. Loan Servicing 280 $105K
30. Professional and Outside Services 290 $60K
32. Operating Fees 320 $3K
33. Miscellaneous Operating Expense 360 $36K
34. TOTAL NON-INTEREST EXPENSE 671 $1.3M
35. NET INCOME 661A $139K
Statement pages - all other filed accounts (23 items)

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

South Texas 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 $204K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $36K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $18K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $11K
Loans Granted Year-to-Date 031A $211
Amount of Loans Granted Year-to-Date 031B $1.4M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $424K
Number of current members (not number of accounts) 083 6,207
Number of potential members 084 142,210
Interest Rate of Unsecured Credit Card Loans 521 1,083.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,218.00%
Interest Rate of New Vehicle Loans 523 379.00%
Interest Rate of Used Vehicle Loans 524 480.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $148K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $52K
Total Amount of All Other Shares 630 $12K
Amount of Regular Shares 657 $40.0M
Amount of Share Drafts 902 $19.1M
IRA/KEOGH Accounts - < 1 Year 906A $548K
Share Certificates - < 1 Year 908A $2.5M
Total Amount of Share Certificates 908C $2.7M
Total Amount of Money Market Shares 911 $1.5M
Number of Used Vehicle Loans 968 348
NCUA form-section FS220A (25 items)

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

South Texas Federal Credit Union, NCUA form-section FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $63.7M
Total Shares - 1-3 Years 013B1 $27K
Total Shares - > 3 Years 013B2 $143K
Total Shares and Deposits - < 1 Year 018A $63.7M
Total Shares and Deposits - 1-3 Years 018B1 $27K
Total Shares and Deposits - > 3 Years 018B2 $143K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 11
Effective date of last audit 063 $32K
Amount of Used Vehicle Loans 370 $4.6M
Amount of New Vehicle Loans 385 $3.5M
Amount of Unsecured Credit Card Loans 396 $1.7M
Amount of All Other Unsecured Loans/Lines of Credit 397 $2.1M
Share Certificates 451 $75
Number of Accounts for Share Drafts 452 4,515
IRA/KEOGH Accounts 453 $49
Number of Accounts for Regular Shares 454 6,207
All other shares 455 $14
Money Market Shares 458 $100
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 10,960
Number of credit union employees who are Full-Time (26 hours or more) 564A 14
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 12
Total credit lines 881 $5.1M
Draws against lines of credit, more than 3 years 883B2 $500K
Draws against lines of credit, total amount 883C $500K
Total Subordinated Debt included in Net Worth 925A $500K
NCUA form-section FS220B (22 items)

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

South Texas Federal Credit Union, NCUA form-section FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $32K
Number - Total Delinquent Credit Card Loans 045A 4
Total Amount of Delinquent Unsecured Credit Card Loans 045B $32K
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $63.8M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $32K
All other shares - < 1 Year 630A $12K
Amount of Regular Shares - < 1 Year 657A $40.0M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $36K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $3K
Total Borrowings - > 3 Years 860B2 $500K
Amount of Share Drafts - < 1 Year 902A $19.1M
Total Amount of IRA/KEOGH Accounts 906C $548K
Share Certificates - 1-3 Years 908B1 $27K
Share Certificates - > 3 Years 908B2 $143K
Money Market Shares - < 1 Year 911A $1.5M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $4K
Number of New Vehicle Loans 958 232
Total Shares 966 $11K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $25K
Number of Unsecured Credit Card Loans 993 636
Number of All Other Unsecured Loans/Lines of Credit 994 781
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 2
NCUA form-section FS220C (3 items)

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

South Texas Federal Credit Union, NCUA form-section FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $5
Number of credit union branches (include the main office if member services are conducted at that location) 566 3
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $1.5M
NCUA form-section FS220D (17 items)

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

South Texas Federal Credit Union, NCUA form-section FS220D, Q2 2026
Line item Account Q2 2026
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Education 879B2 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Low-cost wire transfers 879W $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $1
e-Statements 887R $1
Remote Deposit Capture 887U $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 form-section FS220G (1 item)

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

South Texas Federal Credit Union, NCUA form-section FS220G, Q2 2026
Line item Account Q2 2026
Total Credit Lines at Corporate Credit Unions 884 $4.6M
NCUA form-section FS220H (3 items)

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

South Texas Federal Credit Union, NCUA form-section FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $4.6M
Total number of TDR loans outstanding 1000F $30
Total amount of TDR loans outstanding 1001F $527K
NCUA form-section FS220I (11 items)

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

South Texas Federal Credit Union, NCUA form-section FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $22K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $18K
Number of Reportable Delinquent Used Vehicle Loans 035E2 3
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $53K
Amount of New Vehicle Loans YTD Charge Offs 550C1 $9K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $45K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $35K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $4K
Total Other Credit Lines 884D $500K
Draws Against LOCs from Other Sources 885A2 $500K
Total Draws Againts LOCs 885A4 $500K
NCUA form-section FS220J (4 items)

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

South Texas Federal Credit Union, NCUA form-section FS220J, Q2 2026
Line item Account Q2 2026
Other Assets - Split Dollar Life Insurance Arrangements - Collateral Assignment 789E $708K
Other Assets - Other Insurance 789E2 $486K
Other Assets - Other Non-insurance 789F $10K
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $1.2M
NCUA form-section FS220L (6 items)

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

South Texas Federal Credit Union, NCUA form-section FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $2K
Total Amount of Loans & Leases on Loan Schedule 025B1 $17.8M
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 347.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 472.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $446K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $5.6M
NCUA form-section FS220M (5 items)

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

South Texas Federal Credit Union, NCUA form-section FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $4.4M
Total Unfunded Commitments for Non-Commercial Loans 816T $4.6M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $196K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 40
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 42
NCUA form-section FS220N (8 items)

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

South Texas Federal Credit Union, NCUA form-section FS220N, Q2 2026
Line item Account Q2 2026
Available-for-sale Debt Securities <=1 Year AS0062 $3.7M
Available-for-sale Debt Securities >1 and <=3 Years AS0063 $4.2M
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $11.1M
Available-for-sale Debt Securities >5 and <= 10 Years AS0065 $1.5M
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$971K
Total Liabilities LI0069 $64.7M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $167K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $69.2M
NCUA form-section FS220P (15 items)

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

South Texas Federal Credit Union, NCUA form-section FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $57K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $14K
All Other Unsecured Loans/Lines of Credit DL0022 $87K
All Other Unsecured Loans/Lines of Credit DL0023 $6K
All Other Unsecured Loans/Lines of Credit DL0024 $5K
All Other Unsecured Loans/Lines of Credit DL0027 $11K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $2
Used Vehicle Loans DL0037 $34K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $63K
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $22K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $329K
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 $329K
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 $369K
Amount of Consumer Loans in Non-Accrual Status DL0145 $23K
NCUA form-section FS220Q (28 items)

investment portfolio detail (69%)

South Texas Federal Credit Union, NCUA form-section FS220Q, Q2 2026
Line item Account Q2 2026
Total Borrowings LQ0860 $500K
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0015 $1.0M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0016 $967K
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0019 $16.5M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0020 $15.6M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0023 $17.5M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0024 $16.6M
Available-for-sale Amortized Cost - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0075 $4.0M
Available-for-sale Fair Value - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0076 $4.0M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $21.5M
Total Fair Value Available-for-Sale Debt Securities NV0084 $20.5M
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $20.5M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $66K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $66K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $3.7M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $4.2M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $11.1M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $1.5M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $66K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $20.6M
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Collateral Assignment - Remaining Premiums NV0169 $130K
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Collateral Assignment - Cash Surrender Value NV0170 $578K
RBC Total Equity RB0001 $5.4M
RBC Allowance for Credit Losses RB0002 $320K
RBC Total Additions RB0005 $320K
RBC Total Deductions RB0009 $622K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $5.1M
RBC Risk-Based Capital Numerator RB0012 $5.1M
NCUA form-section FS220R (25 items)

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

South Texas Federal Credit Union, NCUA form-section FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $20.6M
RBC Schedule Total Consumer Loans RB0060 $12.2M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $320K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $320K
RBC Schedule Total Loans RB0079 $17.5M
RBC Total for Risk Weighting Total Loans RB0081 -$320K
RBC Total Loans 0% Weight RB0082 -$320K
RBC Schedule Total Other Assets RB0088 $3.8M
RBC Total for Risk Weighting Other Assets RB0090 $622K
RBC Other Assets 0% Weight RB0091 $622K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $69.2M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $302K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $302K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $69.2M
RBC Allowance for Credit Losses (Loans) RB0177 $320K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 24.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 4,704,769.00%
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 16.00%
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 850,425.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $5.6M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $40
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $5.6M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $72K
Total Shares SH0013 $63.8M
Total Shares and Deposits SH0018 $63.8M
NCUA form-section FS220S (1 item)

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

South Texas Federal Credit Union, NCUA form-section FS220S, Q2 2026
Line item Account Q2 2026
Located in Metropolitan Statistical Area (MSA) PR0001 $1

South Texas 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 South Texas Federal Credit Union call report?

The South Texas 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 South Texas Federal Credit Union file?

South Texas 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 South Texas 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 South Texas Federal Credit Union is 8237.

How often does South Texas Federal Credit Union file a call report?

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

South Texas Federal Credit Union financials and ratios →

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