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Credit union call report ยท Tacoma, WA

Spark Federal Credit Union Call Report

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Spark Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 249 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Spark Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number11949
Federal Reserve RSSD ID247784

The official copy: search charter number 11949 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Spark Federal Credit Union call report, Q2 2026

Statement of Financial Condition (28 items)
Spark Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $141K
1c. Total Cash on Hand 730A $141K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $1.9M
2. Cash on Deposit (total) 730B $1.9M
3. Time Deposits in Banks and Credit Unions AS0007 $2.8M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $4.8M
12b. Perpetual Contributed Capital 769B $40K
13. TOTAL OTHER INVESTMENTS AS0017 $40K
15a. Number of Total Loans and Leases 025A 1,831
15b. Total Loans and Leases 025B $23.7M
17. ACL on Loans and Leases AS0048 $75K
18c. Foreclosed/Repossessed - Vehicles AS0024 $95K
18e. Foreclosed/Repossessed Assets (total) 798A $95K
20. Other Fixed Assets 008 $37K
21. NCUA Share Insurance Capitalization Deposit 794 $240K
22d. Accrued Interest on Loans 009A $51K
22e. Accrued Interest on Investments 009B $8K
22f. All Other Assets 009C $1.1M
22g. Total Other Assets AS0036 $1.2M
23. TOTAL ASSETS 010 $30.0M
Accounts Payable and Other Liabilities 825 $134K
Member Shares of All Types 013 $24.3M
Nonmember Deposits 880 $1.7M
Total Shares and Deposits 018 $26.0M
Undivided Earnings 940 $3.8M
Total Net Worth 997 $3.8M
Net Worth Ratio 998 12.70%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $30.0M
Statement of Income and Expense (23 items)
Spark Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $626K
3. Income from Investments 120 $62K
5. TOTAL INTEREST INCOME 115 $688K
6. Dividends on Shares 380 $178K
9. TOTAL INTEREST EXPENSE 350 $178K
10. NET INTEREST INCOME IS0010 $511K
12a. Credit Loss Expense - Loans and Leases IS0011 $31K
12e. Total Credit Loss Expense IS0017 $31K
13. Fee Income 131 $17K
14. Other Operating Income IS0020 $33K
18. Gain (Loss) on Disposition of Fixed Assets 430 $2
23. TOTAL NON-INTEREST INCOME 117 $50K
24. Employee Compensation and Benefits 210 $281K
25. Travel and Conference 230 $14K
26. Office Occupancy 250 $14K
27. Office Operations 260 $36K
28. Educational and Promotional 270 $20K
29. Loan Servicing 280 $86K
30. Professional and Outside Services 290 $62K
32. Operating Fees 320 $1K
33. Miscellaneous Operating Expense 360 -$553
34. TOTAL NON-INTEREST EXPENSE 671 $514K
35. NET INCOME 661A $16K
Statement pages - all other filed accounts (23 items)

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

Spark 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 $558K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $29K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $19K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $21K
Loans Granted Year-to-Date 031A $360
Amount of Loans Granted Year-to-Date 031B $3.6M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $82K
Number of current members (not number of accounts) 083 1,437
Number of potential members 084 150,000
Non-Member Deposits 457 $14
Interest Rate of Unsecured Credit Card Loans 521 900.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,000.00%
Interest Rate of New Vehicle Loans 523 400.00%
Interest Rate of Used Vehicle Loans 524 500.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $35K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $3K
Amount of Regular Shares 657 $12.7M
Amount of Share Drafts 902 $2.2M
IRA/KEOGH Accounts - < 1 Year 906A $1.5M
Share Certificates - < 1 Year 908A $7.1M
Total Amount of Share Certificates 908C $7.4M
Total Amount of Money Market Shares 911 $509K
Number of Used Vehicle Loans 968 1,228
NCUA data file FS220A (20 items)

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

Spark Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $23.9M
Total Shares - 1-3 Years 013B1 $325K
Total Shares and Deposits - < 1 Year 018A $25.7M
Total Shares and Deposits - 1-3 Years 018B1 $325K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 17
Effective date of last audit 063 $92K
Amount of Used Vehicle Loans 370 $4.5M
Amount of New Vehicle Loans 385 $4.2M
Amount of Unsecured Credit Card Loans 396 $1.1M
Amount of All Other Unsecured Loans/Lines of Credit 397 $606K
Share Certificates 451 $154
Number of Accounts for Share Drafts 452 417
IRA/KEOGH Accounts 453 $62
Number of Accounts for Regular Shares 454 1,634
Money Market Shares 458 $5
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 2,286
Number of credit union employees who are Full-Time (26 hours or more) 564A 4
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $51K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,619.00%
Total credit lines 881 $2.8M
NCUA data file FS220B (18 items)

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

Spark 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 $1.6M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $1.6M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $24.4M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $32K
Amount of Regular Shares - < 1 Year 657A $12.7M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $6K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $5
Non-Member Deposits - < 1 Year 880A $1.7M
Amount of Share Drafts - < 1 Year 902A $2.2M
Total Amount of IRA/KEOGH Accounts 906C $1.5M
Share Certificates - 1-3 Years 908B1 $325K
Money Market Shares - < 1 Year 911A $509K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $1.8M
Number of New Vehicle Loans 958 163
Total Shares 966 $2K
Number of Unsecured Credit Card Loans 993 232
Number of All Other Unsecured Loans/Lines of Credit 994 91
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 23
NCUA data file FS220C (6 items)

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

Spark 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
Total Amount of All Participation Loans Charged Off Year-to-Date 550F $29K
Total Amount of All Year-to-Date Recoveries on Charged-Off Participation Loans 551F $2K
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 $6.0M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $204K
NCUA data file FS220D (27 items)

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

Spark Federal 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
Credit Management and Repair 879B6 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Credit Builder 879D1 $1
Payday Alternative Loans (PAL loans) (FCU Only) 879D9 $1
Deposits and Shares Meeting 703.10(a) 879M $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
New Share Account 887E $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
Offer Custodial Accounts PP0032 $1
Offer Non-Custodial Accounts PP0033 $1
NCUA data file FS220G (4 items)

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

Spark Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Outstanding Amount of Participation Loans Purchased By Type 691L $1.4M
Total Value of Investments in CUSOs 851 $20K
Total Aggregate Cash Outlay in CUSOs 853 $20K
Total Credit Lines at Corporate Credit Unions 884 $2.8M
NCUA data file FS220H (1 item)

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

Spark Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $3.1M
NCUA data file FS220I (12 items)

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

Spark 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 $20K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $212K
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $18K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $11K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $3K
Number of Reportable Delinquent New Vehicle Loans 035E1 1
Number of Reportable Delinquent Used Vehicle Loans 035E2 14
Amount of Reportable Delinquent New Vehicle Loans 041C1 $18K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $27K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $29K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $2K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $341
NCUA data file FS220J (2 items)

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

Spark Federal Credit Union, NCUA data file FS220J, Q2 2026
Line item Account Q2 2026
Other Assets - Split Dollar Life Insurance Arrangements Endorsement - Endorsement 789E1 $890K
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $890K
NCUA data file FS220L (8 items)

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

Spark Federal Credit Union, NCUA data file 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 $23.7M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $1.3M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 650.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 624.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 649.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $1.7M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $10.4M
NCUA data file FS220M (7 items)

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

Spark Federal Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $431K
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $2.6M
Total Other Unfunded Commitments (Non-Commercial) 816B5 $54K
Total Unfunded Commitments for Non-Commercial Loans 816T $3.1M
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 40
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 15
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 62
NCUA data file FS220N (3 items)

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

Spark Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Total Liabilities LI0069 $26.1M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $15K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $30.0M
NCUA data file FS220P (14 items)

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

Spark Federal Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $432
All Other Unsecured Loans/Lines of Credit DL0022 $2K
All Other Unsecured Loans/Lines of Credit DL0025 $17K
All Other Unsecured Loans/Lines of Credit DL0027 $17K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $1
Used Vehicle Loans DL0037 $13K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $21K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $21K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $1
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $261K
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $41K
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $34K
Amount of reportable delinquency included in Total Delinquent Loans and Leases (Account 041B), that relates to: Participation Loans Purchased under 701.22 DL0142 $27K
Amount of Consumer Loans in Non-Accrual Status DL0145 $48K
NCUA data file FS220Q (15 items)

investment portfolio detail (69%)

Spark Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $2.8M
Investment Maturity Distribution - Time Deposits - Total NV0116 $2.8M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - <=1 Year NV0141 $40K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $40K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $2.8M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $2.8M
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Endorsement - Remaining Premiums NV0172 $2.7M
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Endorsement - Cash Surrender Value NV0173 $645K
RBC Total Equity RB0001 $3.8M
RBC Allowance for Credit Losses RB0002 $75K
RBC Total Additions RB0005 $75K
RBC Total Deductions RB0009 $240K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $3.6M
RBC Risk-Based Capital Numerator RB0012 $3.6M
Participation Loans: Participations Purchased - Outstanding Balance - Amount - Vehicle - Non-commercial SL0036 $1.4M
NCUA data file FS220R (38 items)

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

Spark Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $40K
RBC Schedule Total Consumer Loans RB0060 $12.1M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $75K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $75K
RBC Schedule Total Loans RB0079 $23.6M
RBC Total for Risk Weighting Total Loans RB0081 -$75K
RBC Total Loans 0% Weight RB0082 -$75K
RBC Schedule Total Other Assets RB0088 $1.5M
RBC Total for Risk Weighting Other Assets RB0090 $240K
RBC Other Assets 0% Weight RB0091 $240K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $30.0M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $165K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $165K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $30.0M
RBC Allowance for Credit Losses (Loans) RB0177 $75K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 30.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 9,459,764.00%
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 5.00%
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 558,111.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 325,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 5.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 370,939.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $10.4M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $325K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 1.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 126,405.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 127,845.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 14.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 1,130,089.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $1.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $128K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $55
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $11.6M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $453K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $1.5M
Total Shares SH0013 $24.3M
Total Shares and Deposits SH0018 $26.0M
Total Non-Member Deposits SH0880 $1.7M

Spark 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 Spark Federal Credit Union call report?

The Spark 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 Spark Federal Credit Union file?

Spark 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 Spark 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 Spark Federal Credit Union is 11949.

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

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

Spark Federal Credit Union financials and ratios →

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