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Credit union call report ยท Orange, CA

Union Yes Federal Credit Union Call Report

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Union Yes Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 257 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Union Yes Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number24131
Federal Reserve RSSD ID757199

The official copy: search charter number 24131 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Union Yes Federal Credit Union call report, Q2 2026

Statement of Financial Condition (28 items)
Union Yes Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $979K
1c. Total Cash on Hand 730A $979K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $183K
2b. Cash on Deposit in Federal Reserve Bank AS0003 $10.2M
2. Cash on Deposit (total) 730B $10.3M
3. Time Deposits in Banks and Credit Unions AS0007 $37.6M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $48.9M
12c. All Other Investments AS0016 $77K
13. TOTAL OTHER INVESTMENTS AS0017 $77K
15a. Number of Total Loans and Leases 025A 1,404
15b. Total Loans and Leases 025B $39.0M
17. ACL on Loans and Leases AS0048 $150K
20. Other Fixed Assets 008 $265K
21. NCUA Share Insurance Capitalization Deposit 794 $668K
22d. Accrued Interest on Loans 009A $75K
22e. Accrued Interest on Investments 009B $91K
22f. All Other Assets 009C $154K
22g. Total Other Assets AS0036 $320K
23. TOTAL ASSETS 010 $89.0M
Accounts Payable and Other Liabilities 825 $676K
Accrued Dividends and Interest Payable 820A $13
Borrowings (total) 860C $750K
Member Shares of All Types 013 $80.0M
Total Shares and Deposits 018 $80.0M
Undivided Earnings 940 $7.6M
Total Net Worth 997 $7.7M
Net Worth Ratio 998 8.62%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $89.0M
Statement of Income and Expense (22 items)
Union Yes Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $844K
3. Income from Investments 120 $1.0M
5. TOTAL INTEREST INCOME 115 $1.9M
6. Dividends on Shares 380 $58K
8. Interest on Borrowed Money 340 $20K
9. TOTAL INTEREST EXPENSE 350 $79K
10. NET INTEREST INCOME IS0010 $1.8M
13. Fee Income 131 $222K
14. Other Operating Income IS0020 $160K
18. Gain (Loss) on Disposition of Fixed Assets 430 -$31K
23. TOTAL NON-INTEREST INCOME 117 $351K
24. Employee Compensation and Benefits 210 $820K
25. Travel and Conference 230 $38K
26. Office Occupancy 250 $111K
27. Office Operations 260 $502K
28. Educational and Promotional 270 $7K
29. Loan Servicing 280 $83K
30. Professional and Outside Services 290 $23K
32. Operating Fees 320 $6K
33. Miscellaneous Operating Expense 360 $8K
34. TOTAL NON-INTEREST EXPENSE 671 $1.6M
35. NET INCOME 661A $533K
Statement pages - all other filed accounts (20 items)

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

Union Yes 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 $72K
Loans Granted Year-to-Date 031A $146
Amount of Loans Granted Year-to-Date 031B $3.1M
Number of current members (not number of accounts) 083 24,595
Number of potential members 084 172,165
Net Member Business Loan Balance 400A $2.3M
Interest Rate of Unsecured Credit Card Loans 521 1,650.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,800.00%
Interest Rate of New Vehicle Loans 523 425.00%
Interest Rate of Used Vehicle Loans 524 525.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $12K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $18K
Total Amount of All Other Shares 630 $19.3M
Amount of Regular Shares 657 $26.7M
Amount of Share Drafts 902 $24.5M
IRA/KEOGH Accounts - < 1 Year 906A $1.1M
Share Certificates - < 1 Year 908A $5.5M
Total Amount of Share Certificates 908C $6.1M
Total Amount of Money Market Shares 911 $2.3M
Number of Used Vehicle Loans 968 417
NCUA data file FS220A (24 items)

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

Union Yes Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $79.4M
Total Shares - 1-3 Years 013B1 $483K
Total Shares - > 3 Years 013B2 $82K
Total Shares and Deposits - < 1 Year 018A $79.4M
Total Shares and Deposits - 1-3 Years 018B1 $483K
Total Shares and Deposits - > 3 Years 018B2 $82K
Effective date of last audit 063 $32K
Amount of Used Vehicle Loans 370 $7.1M
Amount of New Vehicle Loans 385 $10.3M
Amount of Unsecured Credit Card Loans 396 $396K
Amount of All Other Unsecured Loans/Lines of Credit 397 $411K
Share Certificates 451 $85
Number of Accounts for Share Drafts 452 1,509
IRA/KEOGH Accounts 453 $100
Number of Accounts for Regular Shares 454 4,991
All other shares 455 $20K
Money Market Shares 458 $114
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 26,878
Number of credit union employees who are Full-Time (26 hours or more) 564A 13
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 $91K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,653.00%
Total credit lines 881 $2.8M
Total Subordinated Debt included in Net Worth 925A $50K
NCUA data file FS220B (25 items)

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

Union Yes 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 $11.3M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $11.3M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $68.7M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $32K
All other shares - < 1 Year 630A $19.3M
Amount of Regular Shares - < 1 Year 657A $26.7M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $9K
Total Borrowings - < 1 Year 860A $250K
Total Borrowings - 1-3 Years 860B1 $500K
Subordinated Debt - < 1 Year 867A $250K
Subordinated Debt - 1-3 Years 867B1 $500K
Total Amount of Subordinated Debt 867C $750K
Amount of Share Drafts - < 1 Year 902A $24.5M
IRA/KEOGH Accounts - 1-3 Years 906B1 $16K
IRA/KEOGH Accounts - > 3 Years 906B2 $15K
Total Amount of IRA/KEOGH Accounts 906C $1.1M
Share Certificates - 1-3 Years 908B1 $467K
Share Certificates - > 3 Years 908B2 $67K
Money Market Shares - < 1 Year 911A $2.3M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $3.3M
Number of New Vehicle Loans 958 393
Total Shares 966 $27K
Number of Unsecured Credit Card Loans 993 337
Number of All Other Unsecured Loans/Lines of Credit 994 96
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 23
NCUA data file FS220C (4 items)

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

Union Yes 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 $1
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 $4.6M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $332K
NCUA data file FS220D (21 items)

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

Union Yes 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
First Time Homebuyer Program 879B4 $1
Credit Management and Repair 879B6 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Deposits and Shares Meeting 703.10(a) 879M $1
International Remittances 879V $1
Low-cost wire transfers 879W $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $1
e-Statements 887R $1
Informational Website PI0007 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Offer Custodial Accounts PP0032 $1
Offer Non-Custodial Accounts PP0033 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA data file FS220G (6 items)

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

Union Yes Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Outstanding Amount of Participation Loans Purchased By Type 691L $396K
Outstanding Amount of Real Estate Participation Loans Purchased 691L2 $396K
Total Outstanding Amount of Participation Loans Sold By Type 691N $912K
Total Value of Investments in CUSOs 851 $77K
Total Aggregate Cash Outlay in CUSOs 853 $20K
Total Credit Lines at Corporate Credit Unions 884 $2.0M
NCUA data file FS220H (3 items)

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

Union Yes Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $1.7M
Total number of TDR loans outstanding 1000F $1
Total amount of TDR loans outstanding 1001F $638K
NCUA data file FS220I (9 items)

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

Union Yes 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 $27K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $35K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $18K
Commercial Share Accounts 643 $11.7M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $6K
Total Other Credit Lines 884D $750K
Draws Against LOCs from Other Sources 885A2 $750K
Total Draws Againts LOCs 885A4 $750K
Number of International Remittances originated Year-to-Date 928 5
NCUA data file FS220L (21 items)

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

Union Yes Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $1K
Total Amount of Loans & Leases on Loan Schedule 025B1 $39.0M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $781K
Total outstanding balance of commercial loans to members 400A1 $2.3M
Outstanding balance of Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 400C6 $122K
Outstanding balance of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 400H2 $1.8M
Outstanding balance of Member Commercial and Industrial loans 400L2 $328K
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $450K
Outstanding balance of all member and non-member commercial loans 400T1 $2.3M
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 600.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 525.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 775.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 625.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 1,500.00%
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Sold 691N8 $912K
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $920K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $16.8M
Total Outstanding Balance of real estate secured member commercial loans 718A3 $1.8M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $1.8M
Amount of Outstanding commercial participations sold but retained servicing (including unfunded commitments) 1061 $2.8M
Number of Outstanding commercial participations sold but retained servicing (including unfunded commitments) 1061A 1
NCUA data file FS220M (15 items)

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

Union Yes Federal Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $1.3M
Total Unfunded Commitments for Commercial Loans 814K $243K
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $174K
Total Unfunded Commitments for Non-Commercial Loans 816T $1.5M
Total number of member commercial loans 900A1 $47
Number of Member Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 900C6 32
Number of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 900H2 3
Total number of real estate secured member commercial loans 900K2 $3
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 3
Number of Member Commercial and Industrial loans 900L2 12
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 44
Total Number of Member and Nonmember commercial loans 900T1 $47
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 58
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 8
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 48
NCUA data file FS220N (3 items)

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

Union Yes Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Total Liabilities LI0069 $81.4M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $10K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $89.0M
NCUA data file FS220P (3 items)

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

Union Yes 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 $2K
All Other Unsecured Loans/Lines of Credit DL0022 $8K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $2K
NCUA data file FS220Q (17 items)

investment portfolio detail (69%)

Union Yes Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Total Borrowings LQ0860 $750K
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $15.5M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $14.3M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $7.8M
Investment Maturity Distribution - Time Deposits - Total NV0116 $37.6M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - <=1 Year NV0141 $77K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $77K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $15.6M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $14.3M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $7.8M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $37.7M
RBC Total Equity RB0001 $7.6M
RBC Allowance for Credit Losses RB0002 $150K
RBC Total Additions RB0005 $150K
RBC Total Deductions RB0009 $668K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $7.1M
RBC Risk-Based Capital Numerator RB0012 $7.1M
NCUA data file FS220R (34 items)

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

Union Yes Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $77K
RBC Schedule Total Consumer Loans RB0060 $19.1M
RBC Schedule Total Commercial Loans RB0068 $2.3M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $150K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $150K
RBC Schedule Total Loans RB0079 $38.8M
RBC Total for Risk Weighting Total Loans RB0081 -$150K
RBC Total Loans 0% Weight RB0082 -$150K
RBC Schedule Total Other Assets RB0088 $1.3M
RBC Total for Risk Weighting Other Assets RB0090 $668K
RBC Other Assets 0% Weight RB0091 $668K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $89.0M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $518K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $518K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $89.0M
RBC Allowance for Credit Losses (Loans) RB0177 $150K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 29.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 9,683,092.00%
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 29.00%
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 7,133,251.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 100,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $16.8M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $100K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 8.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 780,531.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 150,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $781K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $150K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $66
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $17.6M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $250K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $397K
Total Shares SH0013 $80.0M
Total Shares and Deposits SH0018 $80.0M
NCUA data file FS220S (2 items)

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

Union Yes Federal Credit Union, NCUA data file FS220S, Q2 2026
Line item Account Q2 2026
Located in Metropolitan Statistical Area (MSA) PR0001 $1
home purchase loan or refinanced a home purchase loan PR0002 $1

Union Yes 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 Yes Federal Credit Union call report?

The Union Yes 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 Yes Federal Credit Union file?

Union Yes 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 Yes 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 Yes Federal Credit Union is 24131.

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

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

Union Yes Federal Credit Union financials and ratios →

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