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Credit union call report ยท Cedar Falls, IA

Unite Credit Union Call Report

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Unite Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 253 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Unite Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number65071
Federal Reserve RSSD ID285991

The official copy: search charter number 65071 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Unite Credit Union call report, Q2 2026

Statement of Financial Condition (35 items)
Unite Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $276K
1b. Cash Items in Process of Collection AS0005 $3K
1c. Total Cash on Hand 730A $279K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $2.5M
2c. Cash on Deposit in Other Financial Institutions 730B2 $28K
2. Cash on Deposit (total) 730B $2.6M
3. Time Deposits in Banks and Credit Unions AS0007 $500K
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $3.3M
9. Held-to-Maturity Debt Securities AS0073 $7.5M
11. TOTAL INVESTMENT SECURITIES AS0013 $7.5M
12c. All Other Investments AS0016 $1.6M
13. TOTAL OTHER INVESTMENTS AS0017 $1.6M
15a. Number of Total Loans and Leases 025A 519
15b. Total Loans and Leases 025B $10.2M
17. ACL on Loans and Leases AS0048 $104K
18b. Foreclosed/Repossessed - Consumer RE AS0023 $51K
18e. Foreclosed/Repossessed Assets (total) 798A $51K
19. Land and Building 007 $629K
20. Other Fixed Assets 008 $38K
21. NCUA Share Insurance Capitalization Deposit 794 $198K
22d. Accrued Interest on Loans 009A $26K
22e. Accrued Interest on Investments 009B $45K
22f. All Other Assets 009C $114K
22g. Total Other Assets AS0036 $185K
23. TOTAL ASSETS 010 $23.6M
Accounts Payable and Other Liabilities 825 $164K
Accrued Dividends and Interest Payable 820A $23K
Member Shares of All Types 013 $20.7M
Total Shares and Deposits 018 $20.7M
Undivided Earnings 940 $1.8M
Other Reserves 658 $561K
Net Income (equity) 602 -$24K
Total Net Worth 997 $2.8M
Net Worth Ratio 998 11.82%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $23.6M
Statement of Income and Expense (22 items)
Unite Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $374K
3. Income from Investments 120 $138K
5. TOTAL INTEREST INCOME 115 $511K
6. Dividends on Shares 380 $106K
9. TOTAL INTEREST EXPENSE 350 $106K
10. NET INTEREST INCOME IS0010 $405K
12a. Credit Loss Expense - Loans and Leases IS0011 $9K
12e. Total Credit Loss Expense IS0017 $9K
13. Fee Income 131 $32K
14. Other Operating Income IS0020 $7K
23. TOTAL NON-INTEREST INCOME 117 $38K
24. Employee Compensation and Benefits 210 $165K
25. Travel and Conference 230 $5K
26. Office Occupancy 250 $25K
27. Office Operations 260 $99K
28. Educational and Promotional 270 $67K
29. Loan Servicing 280 $15K
30. Professional and Outside Services 290 $78K
32. Operating Fees 320 $4K
33. Miscellaneous Operating Expense 360 $4K
34. TOTAL NON-INTEREST EXPENSE 671 $461K
35. NET INCOME 661A -$27K
Statement pages - all other filed accounts (19 items)

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

Unite 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 $18K
Loans Granted Year-to-Date 031A $154
Amount of Loans Granted Year-to-Date 031B $1.8M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $350K
Number of current members (not number of accounts) 083 1,573
Number of potential members 084 183,238
Interest Rate of Unsecured Credit Card Loans 521 1,190.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,162.00%
Interest Rate of New Vehicle Loans 523 512.00%
Interest Rate of Used Vehicle Loans 524 701.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $37K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $3K
Amount of Regular Shares 657 $9.6M
Amount of Share Drafts 902 $5.2M
IRA/KEOGH Accounts - < 1 Year 906A $11K
Share Certificates - < 1 Year 908A $4.7M
Total Amount of Share Certificates 908C $5.3M
Total Amount of Money Market Shares 911 $533K
Number of Used Vehicle Loans 968 110
NCUA data file FS220A (19 items)

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

Unite Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $20.0M
Total Shares - 1-3 Years 013B1 $654K
Total Shares and Deposits - < 1 Year 018A $20.0M
Total Shares and Deposits - 1-3 Years 018B1 $654K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 4
Effective date of last audit 063 $52K
Amount of Used Vehicle Loans 370 $1.4M
Amount of New Vehicle Loans 385 $995K
Amount of Unsecured Credit Card Loans 396 $206K
Amount of All Other Unsecured Loans/Lines of Credit 397 $470K
Share Certificates 451 $247
Number of Accounts for Share Drafts 452 877
IRA/KEOGH Accounts 453 $9
Number of Accounts for Regular Shares 454 1,851
Money Market Shares 458 $7
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 2,991
Number of credit union employees who are Full-Time (26 hours or more) 564A 5
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 1
Total credit lines 881 $870K
NCUA data file FS220B (19 items)

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

Unite 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 $13K
Total Uninsured Shares and Deposits > $250K (F+J) 068A $13K
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $20.6M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $72K
Amount of Regular Shares - < 1 Year 657A $9.6M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $276
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $2K
Fair value of Held to Maturity Securities 801 $7.2M
Amount of Share Drafts - < 1 Year 902A $5.2M
Total Amount of IRA/KEOGH Accounts 906C $11K
Share Certificates - 1-3 Years 908B1 $654K
Money Market Shares - < 1 Year 911A $533K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $678K
Number of New Vehicle Loans 958 41
Total Shares 966 $3K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $4K
Number of Unsecured Credit Card Loans 993 153
Number of All Other Unsecured Loans/Lines of Credit 994 110
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 12
NCUA data file FS220C (3 items)

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

Unite 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 2
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $359K
NCUA data file FS220D (21 items)

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

Unite 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
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $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 Non-Custodial Accounts PP0033 $1
NCUA data file FS220G (5 items)

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

Unite Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $427K
Total Outstanding Amount of Participation Loans Purchased By Type 691L $1.2M
Outstanding Amount of Real Estate Participation Loans Purchased 691L2 $1.2M
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $427K
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $427K
NCUA data file FS220H (1 item)

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

Unite Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $1.1M
NCUA data file FS220I (11 items)

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

Unite Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $18K
Number of Reportable Delinquent New Vehicle Loans 035E1 1
Number of Reportable Delinquent Used Vehicle Loans 035E2 1
Amount of Reportable Delinquent New Vehicle Loans 041C1 $13K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $3K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $32K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $488
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $4K
Total Other Credit Lines 884D $870K
Amount of Grants Awarded Year-to-Date 926 $2K
Amount of Grants Received Year-to-Date 927 $600
NCUA data file FS220J (2 items)

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

Unite Credit Union, NCUA data file FS220J, Q2 2026
Line item Account Q2 2026
Other Investments 789D $1.1M
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $1.1M
NCUA data file FS220L (8 items)

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

Unite Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $519
Total Amount of Loans & Leases on Loan Schedule 025B1 $10.2M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $1.4M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 607.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 651.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 644.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $530K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $5.2M
NCUA data file FS220M (8 items)

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

Unite 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 $60K
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $912K
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $6K
Total Unfunded Commitments for Non-Commercial Loans 816T $1.1M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $128K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 55
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 31
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 19
NCUA data file FS220N (6 items)

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

Unite Credit Union, 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 $3.4M
Held-to-Maturity Debt Securities >3 and <=5 Years AS0070 $1.9M
Total Liabilities LI0069 $20.8M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $22K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $23.6M
NCUA data file FS220P (12 items)

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

Unite 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 $5K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $1K
Loan Loss Information - YTD Recoveries - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien CH0018 $1
New Vehicle Loans DL0030 $13K
Used Vehicle Loans DL0037 $3K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $270K
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 $270K
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 $1
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0065 $64K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0069 $64K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0070 $1
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $350K
NCUA data file FS220Q (20 items)

investment portfolio detail (69%)

Unite Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Held-to-maturity Amortized Cost - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0077 $7.5M
Held-to-maturity Fair Value - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0078 $7.2M
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $7.5M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $500K
Investment Maturity Distribution - Time Deposits - Total NV0116 $500K
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $7.5M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - <=1 Year NV0141 $450K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >5-10 Years NV0144 $1.1M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $1.6M
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $2.6M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $3.9M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $1.9M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $1.1M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $9.6M
RBC Total Equity RB0001 $2.8M
RBC Allowance for Credit Losses RB0002 $104K
RBC Total Additions RB0005 $104K
RBC Total Deductions RB0009 $198K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $2.7M
RBC Risk-Based Capital Numerator RB0012 $2.7M
NCUA data file FS220R (42 items)

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

Unite Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $9.1M
RBC Schedule Total Consumer Loans RB0060 $3.6M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $104K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $104K
RBC Schedule Total Loans RB0079 $10.1M
RBC Total for Risk Weighting Total Loans RB0081 -$104K
RBC Total Loans 0% Weight RB0082 -$104K
RBC Schedule Total Other Assets RB0088 $1.1M
RBC Total for Risk Weighting Other Assets RB0090 $198K
RBC Other Assets 0% Weight RB0091 $198K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $23.6M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $94K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $94K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $23.6M
RBC Allowance for Credit Losses (Loans) RB0177 $104K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 28.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 3,563,898.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 881,301.00%
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 26.00%
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 1,560,376.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 198,703.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0010 $1
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0011 $93K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $5.2M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $1.1M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 17.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 702,787.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 93,345.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Fixed Rate RL0024 13.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Fixed Rate RL0025 657,769.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 1.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 24,937.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 214,283.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $1.4M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $308K
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 $6.6M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $1.4M
Total Shares SH0013 $20.7M
Total Shares and Deposits SH0018 $20.7M
Number of Outstanding Loans Purchased from Other Financial Institutions SL0018 13
Amount of Outstanding Loans Purchased from Other Financial Institutions SL0019 $1.2M

Unite 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 Unite Credit Union call report?

The Unite 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 Unite Credit Union file?

Unite 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 Unite 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 Unite Credit Union is 65071.

How often does Unite Credit Union file a call report?

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

Unite Credit Union financials and ratios →

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