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Credit union call report ยท Mishawaka, IN

Tlcu Financial Call Report

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Tlcu Financial filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 252 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Tlcu Financial call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number68286
Federal Reserve RSSD ID302487

The official copy: search charter number 68286 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Tlcu Financial call report, Q2 2026

Statement of Financial Condition (30 items)
Tlcu Financial, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $653K
1c. Total Cash on Hand 730A $653K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $1.4M
2. Cash on Deposit (total) 730B $1.4M
3. Time Deposits in Banks and Credit Unions AS0007 $22.6M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $24.7M
9. Held-to-Maturity Debt Securities AS0073 $11.0M
11. TOTAL INVESTMENT SECURITIES AS0013 $11.0M
12b. Perpetual Contributed Capital 769B $68K
13. TOTAL OTHER INVESTMENTS AS0017 $68K
15a. Number of Total Loans and Leases 025A 1,974
15b. Total Loans and Leases 025B $19.4M
17. ACL on Loans and Leases AS0048 $90K
19. Land and Building 007 $1.8M
20. Other Fixed Assets 008 $170K
21. NCUA Share Insurance Capitalization Deposit 794 $466K
22d. Accrued Interest on Loans 009A $41K
22e. Accrued Interest on Investments 009B $142K
22f. All Other Assets 009C $1.7M
22g. Total Other Assets AS0036 $1.9M
23. TOTAL ASSETS 010 $59.4M
Accounts Payable and Other Liabilities 825 $397K
ACL on Off-Balance-Sheet Exposures LI0003 $375
Member Shares of All Types 013 $49.5M
Total Shares and Deposits 018 $49.5M
Undivided Earnings 940 $9.2M
Net Income (equity) 602 $341K
Total Net Worth 997 $9.5M
Net Worth Ratio 998 16.01%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $59.4M
Statement of Income and Expense (24 items)
Tlcu Financial, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $605K
3. Income from Investments 120 $723K
5. TOTAL INTEREST INCOME 115 $1.3M
6. Dividends on Shares 380 $262K
8. Interest on Borrowed Money 340 $15
9. TOTAL INTEREST EXPENSE 350 $262K
10. NET INTEREST INCOME IS0010 $1.1M
12a. Credit Loss Expense - Loans and Leases IS0011 $13K
12e. Total Credit Loss Expense IS0017 $13K
13. Fee Income 131 $156K
14. Other Operating Income IS0020 $183K
22. Other Non-Operating Income 440 $12K
23. TOTAL NON-INTEREST INCOME 117 $352K
24. Employee Compensation and Benefits 210 $547K
25. Travel and Conference 230 $17K
26. Office Occupancy 250 $90K
27. Office Operations 260 $222K
28. Educational and Promotional 270 $40K
29. Loan Servicing 280 $85K
30. Professional and Outside Services 290 $52K
32. Operating Fees 320 $4K
33. Miscellaneous Operating Expense 360 $8K
34. TOTAL NON-INTEREST EXPENSE 671 $1.1M
35. NET INCOME 661A $341K
Statement pages - all other filed accounts (22 items)

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

Tlcu Financial, 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 $40K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $55K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $28K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $5K
Loans Granted Year-to-Date 031A $163
Amount of Loans Granted Year-to-Date 031B $3.2M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $87K
Number of current members (not number of accounts) 083 3,899
Number of potential members 084 250,000
Interest Rate of Unsecured Credit Card Loans 521 1,100.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,200.00%
Interest Rate of New Vehicle Loans 523 474.00%
Interest Rate of Used Vehicle Loans 524 499.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $13K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $11K
Total Amount of All Other Shares 630 $9K
Amount of Regular Shares 657 $30.9M
Amount of Share Drafts 902 $7.8M
IRA/KEOGH Accounts - < 1 Year 906A $1.8M
Share Certificates - < 1 Year 908A $8.9M
Total Amount of Share Certificates 908C $9.0M
Number of Used Vehicle Loans 968 556
NCUA data file FS220A (19 items)

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

Tlcu Financial, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $49.4M
Total Shares - 1-3 Years 013B1 $110K
Total Shares and Deposits - < 1 Year 018A $49.4M
Total Shares and Deposits - 1-3 Years 018B1 $110K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 6
Effective date of last audit 063 $122K
Amount of Used Vehicle Loans 370 $8.0M
Amount of New Vehicle Loans 385 $3.3M
Amount of Unsecured Credit Card Loans 396 $1.1M
Amount of All Other Unsecured Loans/Lines of Credit 397 $745K
Share Certificates 451 $264
Number of Accounts for Share Drafts 452 2,774
IRA/KEOGH Accounts 453 $97
Number of Accounts for Regular Shares 454 5,482
All other shares 455 $7
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 8,624
Number of credit union employees who are Full-Time (26 hours or more) 564A 15
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 1
Total credit lines 881 $3.4M
NCUA data file FS220B (22 items)

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

Tlcu Financial, 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 $3K
Number - Total Delinquent Credit Card Loans 045A 1
Total Amount of Delinquent Unsecured Credit Card Loans 045B $3K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $1.2M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $1.2M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $48.3M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $92K
All other shares - < 1 Year 630A $9K
Amount of Regular Shares - < 1 Year 657A $30.9M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $13K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $480
Fair value of Held to Maturity Securities 801 $11.0M
Amount of Share Drafts - < 1 Year 902A $7.8M
IRA/KEOGH Accounts - 1-3 Years 906B1 $51K
Total Amount of IRA/KEOGH Accounts 906C $1.8M
Share Certificates - 1-3 Years 908B1 $60K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $320K
Number of New Vehicle Loans 958 140
Total Shares 966 $9K
Number of Unsecured Credit Card Loans 993 712
Number of All Other Unsecured Loans/Lines of Credit 994 430
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 15
NCUA data file FS220C (5 items)

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

Tlcu Financial, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $5
Number of credit union branches (include the main office if member services are conducted at that location) 566 2
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $4.3M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $548K
Outstanding balance of brokered certificates of deposit and share certificates 788 $16.0M
NCUA data file FS220D (23 items)

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

Tlcu Financial, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union provide member services through a credit union shared branch services center? 566A $1
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Brokered Certificates of Deposits 879N $1
International Remittances 879V $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
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
CU offer Shared service network PP0058 $1
NCUA data file FS220G (3 items)

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

Tlcu Financial, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Value of Investments in CUSOs 851 $388K
Total Aggregate Cash Outlay in CUSOs 853 $388K
Total Credit Lines at Corporate Credit Unions 884 $3.4M
NCUA data file FS220H (3 items)

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

Tlcu Financial, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $4.0M
Total number of TDR loans outstanding 1000F $2
Total amount of TDR loans outstanding 1001F $55K
NCUA data file FS220I (7 items)

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

Tlcu Financial, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $35K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $52K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $28K
Number of Reportable Delinquent Used Vehicle Loans 035E2 4
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $84K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $500
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $8K
NCUA data file FS220J (2 items)

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

Tlcu Financial, NCUA data file FS220J, Q2 2026
Line item Account Q2 2026
Other Assets - Split Dollar Life Insurance Arrangements - Collateral Assignment 789E $1.3M
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $1.3M
NCUA data file FS220L (8 items)

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

Tlcu Financial, 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 $19.4M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $1.7M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 675.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 587.50%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 985.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $645K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $3.9M
NCUA data file FS220M (8 items)

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

Tlcu Financial, 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 $961K
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $2.2M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $144K
Total Unfunded Commitments for Non-Commercial Loans 816T $4.0M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $688K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 44
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 42
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 50
NCUA data file FS220N (6 items)

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

Tlcu Financial, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Held-to-Maturity Debt Securities <=1 Year AS0068 $2.2M
Held-to-Maturity Debt Securities >1 and <=3 Years AS0069 $6.0M
Held-to-Maturity Debt Securities >3 and <=5 Years AS0070 $2.8M
Total Liabilities LI0069 $49.9M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $19K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $59.4M
NCUA data file FS220P (11 items)

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

Tlcu Financial, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $5K
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $5K
All Other Unsecured Loans/Lines of Credit DL0022 $733
All Other Unsecured Loans/Lines of Credit DL0023 $282
All Other Unsecured Loans/Lines of Credit DL0027 $282
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $1
Used Vehicle Loans DL0037 $3K
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $4K
Amount of Consumer Loans in Non-Accrual Status DL0145 $52K
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Number of Modified Loans DL0148 $1
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Amount of Modified Loans DL0149 $52K
NCUA data file FS220Q (22 items)

investment portfolio detail (69%)

Tlcu Financial, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Held-to-maturity Amortized Cost - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0073 $11.0M
Held-to-maturity Fair Value - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0074 $11.0M
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $11.0M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $5.9M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $9.3M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $7.4M
Investment Maturity Distribution - Time Deposits - Total NV0116 $22.6M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $11.0M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $68K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $68K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $8.1M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $15.2M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $10.3M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $68K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $33.7M
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Collateral Assignment - Cash Surrender Value NV0170 $1.3M
RBC Total Equity RB0001 $9.5M
RBC Allowance for Credit Losses RB0002 $91K
RBC Total Additions RB0005 $91K
RBC Total Deductions RB0009 $466K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $9.1M
RBC Risk-Based Capital Numerator RB0012 $9.1M
NCUA data file FS220R (35 items)

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

Tlcu Financial, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $11.1M
RBC Schedule Total Consumer Loans RB0060 $13.8M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $90K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $90K
RBC Schedule Total Loans RB0079 $19.3M
RBC Total for Risk Weighting Total Loans RB0081 -$90K
RBC Total Loans 0% Weight RB0082 -$90K
RBC Schedule Total Other Assets RB0088 $4.3M
RBC Total for Risk Weighting Other Assets RB0090 $466K
RBC Other Assets 0% Weight RB0091 $466K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $59.4M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $376K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $376K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $59.4M
RBC Allowance for Credit Losses (Loans) RB0177 $90K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 23.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 2,950,305.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 427,200.00%
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 7.00%
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 510,494.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 14.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 465,777.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Adjustable Rate RL0015 75,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $3.9M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $502K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 42.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 1,673,636.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 823,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $1.7M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $823K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $86
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $5.6M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $1.3M
Total Shares SH0013 $49.5M
Total Shares and Deposits SH0018 $49.5M
NCUA data file FS220S (2 items)

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

Tlcu Financial, NCUA data file FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Mortgage Lending PP0039 $1

Tlcu Financial 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 Tlcu Financial call report?

The Tlcu Financial 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 Tlcu Financial file?

Tlcu Financial 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 Tlcu Financial 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 Tlcu Financial is 68286.

How often does Tlcu Financial file a call report?

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

Tlcu Financial financials and ratios →

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