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Credit union call report ยท Parkersburg, WV

Union Trades Federal Credit Union Call Report

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Union Trades Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 247 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Union Trades Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number21100
Federal Reserve RSSD ID215288

The official copy: search charter number 21100 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Union Trades Federal Credit Union call report, Q2 2026

Statement of Financial Condition (31 items)
Union Trades Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $336K
1b. Cash Items in Process of Collection AS0005 -$4K
1c. Total Cash on Hand 730A $332K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $6.8M
2c. Cash on Deposit in Other Financial Institutions 730B2 $56K
2. Cash on Deposit (total) 730B $6.9M
3. Time Deposits in Banks and Credit Unions AS0007 $14.9M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $22.1M
9. Held-to-Maturity Debt Securities AS0073 $540K
11. TOTAL INVESTMENT SECURITIES AS0013 $540K
12a. Nonperpetual Capital Account 769A $131K
12b. Perpetual Contributed Capital 769B $84K
13. TOTAL OTHER INVESTMENTS AS0017 $214K
15a. Number of Total Loans and Leases 025A 1,596
15b. Total Loans and Leases 025B $9.6M
17. ACL on Loans and Leases AS0048 $99K
19. Land and Building 007 $1.4M
20. Other Fixed Assets 008 $123K
21. NCUA Share Insurance Capitalization Deposit 794 $275K
22d. Accrued Interest on Loans 009A $35K
22e. Accrued Interest on Investments 009B $54K
22f. All Other Assets 009C $88K
22g. Total Other Assets AS0036 $178K
23. TOTAL ASSETS 010 $34.4M
Accounts Payable and Other Liabilities 825 $111K
Member Shares of All Types 013 $27.9M
Total Shares and Deposits 018 $27.9M
Undivided Earnings 940 $6.3M
Total Net Worth 997 $6.3M
Net Worth Ratio 998 18.44%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $34.4M
Statement of Income and Expense (21 items)
Union Trades Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $385K
3. Income from Investments 120 $420K
5. TOTAL INTEREST INCOME 115 $804K
6. Dividends on Shares 380 $112K
9. TOTAL INTEREST EXPENSE 350 $112K
10. NET INTEREST INCOME IS0010 $692K
12a. Credit Loss Expense - Loans and Leases IS0011 $30K
12e. Total Credit Loss Expense IS0017 $30K
13. Fee Income 131 $139K
14. Other Operating Income IS0020 $70K
23. TOTAL NON-INTEREST INCOME 117 $209K
24. Employee Compensation and Benefits 210 $337K
25. Travel and Conference 230 $8K
26. Office Occupancy 250 $91K
27. Office Operations 260 $191K
28. Educational and Promotional 270 $2K
29. Loan Servicing 280 $14K
30. Professional and Outside Services 290 $7K
33. Miscellaneous Operating Expense 360 $45K
34. TOTAL NON-INTEREST EXPENSE 671 $694K
35. NET INCOME 661A $178K
Statement pages - all other filed accounts (22 items)

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

Union Trades 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 $21K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $53K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $1K
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 $355
Amount of Loans Granted Year-to-Date 031B $2.7M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $88K
Number of current members (not number of accounts) 083 2,941
Number of potential members 084 65,000
Interest Rate of Unsecured Credit Card Loans 521 1,206.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,261.00%
Interest Rate of New Vehicle Loans 523 536.00%
Interest Rate of Used Vehicle Loans 524 799.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $31K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $2K
Total Amount of All Other Shares 630 $920K
Amount of Regular Shares 657 $17.0M
Amount of Share Drafts 902 $4.0M
IRA/KEOGH Accounts - < 1 Year 906A $185K
Share Certificates - < 1 Year 908A $3.6M
Total Amount of Share Certificates 908C $4.1M
Number of Used Vehicle Loans 968 289
NCUA data file FS220A (22 items)

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

Union Trades Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $25.7M
Total Shares - 1-3 Years 013B1 $2.2M
Total Shares and Deposits - < 1 Year 018A $25.7M
Total Shares and Deposits - 1-3 Years 018B1 $2.2M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 13
Effective date of last audit 063 $122K
Amount of Used Vehicle Loans 370 $4.3M
Amount of New Vehicle Loans 385 $1.6M
Amount of Unsecured Credit Card Loans 396 $733K
Amount of All Other Unsecured Loans/Lines of Credit 397 $531K
Share Certificates 451 $134
Number of Accounts for Share Drafts 452 1,065
IRA/KEOGH Accounts 453 $81
Number of Accounts for Regular Shares 454 2,946
All other shares 455 $161
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 4,387
Number of credit union employees who are Full-Time (26 hours or more) 564A 9
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 1
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $171K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,605.00%
Total credit lines 881 $1.5M
Other Comprehensive Income (unless already included in item 33 or 34) 945B -$27K
NCUA data file FS220B (23 items)

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

Union Trades Federal 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 $25K
Number - Total Delinquent Credit Card Loans 045A 6
Total Amount of Delinquent Unsecured Credit Card Loans 045B $25K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $1.4M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $1.4M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $26.5M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $62K
All other shares - < 1 Year 630A $920K
Amount of Regular Shares - < 1 Year 657A $17.0M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $12K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $100
Fair value of Held to Maturity Securities 801 $540K
Amount of Share Drafts - < 1 Year 902A $4.0M
IRA/KEOGH Accounts - 1-3 Years 906B1 $1.8M
Total Amount of IRA/KEOGH Accounts 906C $2.0M
Share Certificates - 1-3 Years 908B1 $444K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $164K
Number of New Vehicle Loans 958 70
Total Shares 966 $4K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $13K
Number of Unsecured Credit Card Loans 993 705
Number of All Other Unsecured Loans/Lines of Credit 994 221
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 12
NCUA data file FS220C (5 items)

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

Union Trades 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
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 $1.7M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $397K
Outstanding balance of brokered certificates of deposit and share certificates 788 $14.9M
NCUA data file FS220D (18 items)

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

Union Trades 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
No Cost Bill Payer 879C2 $1
Deposits and Shares Meeting 703.10(a) 879M $1
Brokered Certificates of Deposits 879N $1
Low-cost wire transfers 879W $1
Loan Application 887B $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
Offer Custodial Accounts PP0032 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA data file FS220G (1 item)

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

Union Trades Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Credit Lines at Corporate Credit Unions 884 $1.5M
NCUA data file FS220H (3 items)

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

Union Trades Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $1.6M
Total number of TDR loans outstanding 1000F $14
Total amount of TDR loans outstanding 1001F $157K
NCUA data file FS220I (10 items)

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

Union Trades Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $5K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $28K
Number of Reportable Delinquent New Vehicle Loans 035E1 1
Number of Reportable Delinquent Used Vehicle Loans 035E2 5
Amount of Reportable Delinquent New Vehicle Loans 041C1 $17K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $45K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $9K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $44
Commercial Share Accounts 643 $5.3M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $6K
NCUA data file FS220L (8 items)

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

Union Trades 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 $9.6M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $545K
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 750.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 704.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 986.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $1.8M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $101K
NCUA data file FS220M (7 items)

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

Union Trades 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 $155K
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $1.3M
Total Unfunded Commitments for Non-Commercial Loans 816T $1.6M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $153K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 6
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 18
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 287
NCUA data file FS220N (7 items)

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

Union Trades Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Held-to-Maturity Debt Securities <=1 Year AS0068 $99K
Held-to-Maturity Debt Securities >1 and <=3 Years AS0069 $54K
Held-to-Maturity Debt Securities >3 and <=5 Years AS0070 $123K
Held-to-Maturity Debt Securities >5 and <= 10 Years AS0071 $40K
Held-to-Maturity Debt Securities > 10 Years AS0072 $223K
Total Liabilities LI0069 $28.0M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $34.4M
NCUA data file FS220P (13 items)

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

Union Trades Federal 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 $9K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $2K
All Other Unsecured Loans/Lines of Credit DL0022 $154
All Other Unsecured Loans/Lines of Credit DL0025 $1K
All Other Unsecured Loans/Lines of Credit DL0027 $1K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $1
New Vehicle Loans DL0030 $17K
Used Vehicle Loans DL0037 $17K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $11K
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $34K
Amount of Consumer Loans in Non-Accrual Status DL0145 $23K
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 $6K
NCUA data file FS220Q (23 items)

investment portfolio detail (69%)

Union Trades Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0013 $540K
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0014 $540K
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0021 $540K
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0022 $540K
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $540K
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $2.7M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $12.2M
Investment Maturity Distribution - Time Deposits - Total NV0116 $14.9M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $540K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $214K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $214K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $2.8M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $12.3M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $123K
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $40K
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $438K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $15.7M
RBC Total Equity RB0001 $6.3M
RBC Allowance for Credit Losses RB0002 $99K
RBC Total Additions RB0005 $99K
RBC Total Deductions RB0009 $275K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $6.2M
RBC Risk-Based Capital Numerator RB0012 $6.2M
NCUA data file FS220R (29 items)

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

Union Trades Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $754K
RBC Schedule Total Consumer Loans RB0060 $8.9M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $99K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $99K
RBC Schedule Total Loans RB0079 $9.5M
RBC Total for Risk Weighting Total Loans RB0081 -$99K
RBC Total Loans 0% Weight RB0082 -$99K
RBC Schedule Total Other Assets RB0088 $2.0M
RBC Total for Risk Weighting Other Assets RB0090 $275K
RBC Other Assets 0% Weight RB0091 $275K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $34.4M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $176K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $176K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $34.4M
RBC Allowance for Credit Losses (Loans) RB0177 $99K
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 6.00%
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 100,740.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $101K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 18.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 544,920.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 52,897.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $545K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $53K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $24
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $646K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $53K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $602K
Total Shares SH0013 $27.9M
Total Shares and Deposits SH0018 $27.9M
NCUA data file FS220S (4 items)

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

Union Trades Federal 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
Mortgage Lending PP0039 $1
Person-to-Person payments PP0045 $1
Communication PP0047 $1

Union Trades 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 Union Trades Federal Credit Union call report?

The Union Trades 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 Union Trades Federal Credit Union file?

Union Trades 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 Union Trades 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 Union Trades Federal Credit Union is 21100.

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

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

Union Trades Federal Credit Union financials and ratios →

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