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Credit union call report ยท West Seneca, NY

Western New York Federal Credit Union Call Report

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Western New York Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 248 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Western New York Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number16042
Federal Reserve RSSD ID561583

The official copy: search charter number 16042 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Western New York Federal Credit Union call report, Q2 2026

Statement of Financial Condition (29 items)
Western New York Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $746K
1c. Total Cash on Hand 730A $746K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $19.6M
2c. Cash on Deposit in Other Financial Institutions 730B2 $437K
2. Cash on Deposit (total) 730B $20.1M
3. Time Deposits in Banks and Credit Unions AS0007 $9.6M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $30.4M
9. Held-to-Maturity Debt Securities AS0073 $6.9M
11. TOTAL INVESTMENT SECURITIES AS0013 $6.9M
12b. Perpetual Contributed Capital 769B $180K
13. TOTAL OTHER INVESTMENTS AS0017 $180K
15a. Number of Total Loans and Leases 025A 4,837
15b. Total Loans and Leases 025B $47.8M
17. ACL on Loans and Leases AS0048 $260K
19. Land and Building 007 $3.3M
20. Other Fixed Assets 008 $231K
21. NCUA Share Insurance Capitalization Deposit 794 $761K
22d. Accrued Interest on Loans 009A $77K
22e. Accrued Interest on Investments 009B $241K
22f. All Other Assets 009C $2.8M
22g. Total Other Assets AS0036 $3.1M
23. TOTAL ASSETS 010 $92.6M
Accounts Payable and Other Liabilities 825 $439K
Member Shares of All Types 013 $81.5M
Total Shares and Deposits 018 $81.5M
Undivided Earnings 940 $10.6M
Total Net Worth 997 $10.6M
Net Worth Ratio 998 11.47%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $92.6M
Statement of Income and Expense (22 items)
Western New York Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $1.3M
3. Income from Investments 120 $573K
5. TOTAL INTEREST INCOME 115 $1.9M
6. Dividends on Shares 380 $215K
9. TOTAL INTEREST EXPENSE 350 $215K
10. NET INTEREST INCOME IS0010 $1.7M
12a. Credit Loss Expense - Loans and Leases IS0011 $135K
12e. Total Credit Loss Expense IS0017 $135K
13. Fee Income 131 $296K
14. Other Operating Income IS0020 $332K
23. TOTAL NON-INTEREST INCOME 117 $628K
24. Employee Compensation and Benefits 210 $877K
25. Travel and Conference 230 $20K
26. Office Occupancy 250 $135K
27. Office Operations 260 $460K
28. Educational and Promotional 270 $99K
29. Loan Servicing 280 $22K
30. Professional and Outside Services 290 $61K
32. Operating Fees 320 $7K
33. Miscellaneous Operating Expense 360 $18K
34. TOTAL NON-INTEREST EXPENSE 671 $1.7M
35. NET INCOME 661A $495K
Statement pages - all other filed accounts (22 items)

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

Western New York 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 $633K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $60K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $5K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $21K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $14K
Loans Granted Year-to-Date 031A $512
Amount of Loans Granted Year-to-Date 031B $8.5M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $157K
Number of current members (not number of accounts) 083 8,770
Number of potential members 084 945,699
Interest Rate of Unsecured Credit Card Loans 521 1,108.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,062.00%
Interest Rate of New Vehicle Loans 523 369.00%
Interest Rate of Used Vehicle Loans 524 415.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $97K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $45K
Amount of Regular Shares 657 $54.6M
Amount of Share Drafts 902 $16.6M
IRA/KEOGH Accounts - < 1 Year 906A $421K
Share Certificates - < 1 Year 908A $8.4M
Total Amount of Share Certificates 908C $9.8M
Number of Used Vehicle Loans 968 1,277
NCUA form-section FS220A (20 items)

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

Western New York Federal Credit Union, NCUA form-section FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $80.1M
Total Shares - 1-3 Years 013B1 $1.4M
Total Shares and Deposits - < 1 Year 018A $80.1M
Total Shares and Deposits - 1-3 Years 018B1 $1.4M
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 $18.8M
Amount of New Vehicle Loans 385 $6.5M
Amount of Unsecured Credit Card Loans 396 $4.6M
Amount of All Other Unsecured Loans/Lines of Credit 397 $2.1M
Share Certificates 451 $414
Number of Accounts for Share Drafts 452 4,404
IRA/KEOGH Accounts 453 $38
Number of Accounts for Regular Shares 454 9,547
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 14,403
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
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $590K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,696.00%
Total credit lines 881 $9.0M
NCUA form-section FS220B (21 items)

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

Western New York Federal Credit Union, NCUA form-section FS220B, Q2 2026
Line item Account Q2 2026
Number - Total Delinquent Credit Card Loans 045A 4
Total Amount of Delinquent Unsecured Credit Card Loans 045B $17K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $2.2M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $2.2M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $79.3M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $92K
Amount of Regular Shares - < 1 Year 657A $54.6M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $30K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $27K
Fair value of Held to Maturity Securities 801 $6.9M
Amount of Share Drafts - < 1 Year 902A $16.6M
IRA/KEOGH Accounts - 1-3 Years 906B1 $66K
Total Amount of IRA/KEOGH Accounts 906C $487K
Share Certificates - 1-3 Years 908B1 $1.4M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $319K
Number of New Vehicle Loans 958 335
Total Shares 966 $14K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $82K
Number of Unsecured Credit Card Loans 993 2,310
Number of All Other Unsecured Loans/Lines of Credit 994 525
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 26
NCUA form-section FS220C (5 items)

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

Western New York Federal Credit Union, NCUA form-section 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 1
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $3.7M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $154K
Outstanding balance of brokered certificates of deposit and share certificates 788 $16.6M
NCUA form-section FS220D (22 items)

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

Western New York Federal Credit Union, NCUA form-section 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 Literacy Workshops 879B3 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Deposits and Shares Meeting 703.10(a) 879M $1
Brokered Certificates of Deposits 879N $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Payments 887F $1
Bill Payment 887J $1
e-Statements 887R $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
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
CU offer Shared service network PP0058 $1
NCUA form-section FS220G (1 item)

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

Western New York Federal Credit Union, NCUA form-section FS220G, Q2 2026
Line item Account Q2 2026
Total Credit Lines at Corporate Credit Unions 884 $9.0M
NCUA form-section FS220H (1 item)

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

Western New York Federal Credit Union, NCUA form-section FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $13.6M
NCUA form-section FS220I (10 items)

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

Western New York Federal Credit Union, NCUA form-section FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $15K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $191K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $59K
Number of Reportable Delinquent Used Vehicle Loans 035E2 7
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $72K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $12K
Commercial Share Accounts 643 $598K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $21K
Amount of Grants Awarded Year-to-Date 926 $2K
Amount of Grants Received Year-to-Date 927 $2K
NCUA form-section FS220J (2 items)

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

Western New York Federal Credit Union, NCUA form-section FS220J, Q2 2026
Line item Account Q2 2026
Other Assets - Split Dollar Life Insurance Arrangements - Collateral Assignment 789E $2.8M
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $2.8M
NCUA form-section FS220L (8 items)

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

Western New York Federal Credit Union, NCUA form-section FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $5K
Total Amount of Loans & Leases on Loan Schedule 025B1 $47.8M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $7.5M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 671.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 409.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 645.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $1.1M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $7.3M
NCUA form-section FS220M (7 items)

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

Western New York Federal Credit Union, NCUA form-section 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 $4.1M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $8.6M
Total Unfunded Commitments for Non-Commercial Loans 816T $13.6M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $901K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 95
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 201
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 94
NCUA form-section FS220N (5 items)

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

Western New York Federal Credit Union, NCUA form-section FS220N, Q2 2026
Line item Account Q2 2026
Held-to-Maturity Debt Securities <=1 Year AS0068 $3.7M
Held-to-Maturity Debt Securities >1 and <=3 Years AS0069 $3.2M
Total Liabilities LI0069 $81.9M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $37K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $92.6M
NCUA form-section FS220P (19 items)

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

Western New York Federal Credit Union, NCUA form-section FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $66K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $6K
Unsecured Credit Card Loans DL0002 $17K
All Other Unsecured Loans/Lines of Credit DL0022 $4K
All Other Unsecured Loans/Lines of Credit DL0023 $4K
All Other Unsecured Loans/Lines of Credit DL0024 $2K
All Other Unsecured Loans/Lines of Credit DL0025 $5K
All Other Unsecured Loans/Lines of Credit DL0027 $10K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $4
Used Vehicle Loans DL0037 $13K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $23K
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $336K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $37K
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0061 $21K
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 $57K
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 $2
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $49K
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $71K
Amount of Consumer Loans in Non-Accrual Status DL0145 $7K
NCUA form-section FS220Q (21 items)

investment portfolio detail (69%)

Western New York Federal Credit Union, NCUA form-section 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 $6.9M
Held-to-maturity Fair Value - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0078 $6.9M
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $6.9M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $2.7M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $6.2M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $744K
Investment Maturity Distribution - Time Deposits - Total NV0116 $9.6M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $6.9M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $180K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $180K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $6.5M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $9.4M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $744K
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $180K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $16.8M
RBC Total Equity RB0001 $10.6M
RBC Allowance for Credit Losses RB0002 $260K
RBC Total Additions RB0005 $260K
RBC Total Deductions RB0009 $761K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $10.1M
RBC Risk-Based Capital Numerator RB0012 $10.1M
NCUA form-section FS220R (33 items)

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

Western New York Federal Credit Union, NCUA form-section FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $7.1M
RBC Schedule Total Consumer Loans RB0060 $33.0M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $260K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $260K
RBC Schedule Total Loans RB0079 $47.6M
RBC Total for Risk Weighting Total Loans RB0081 -$260K
RBC Total Loans 0% Weight RB0082 -$260K
RBC Schedule Total Other Assets RB0088 $7.4M
RBC Total for Risk Weighting Other Assets RB0090 $761K
RBC Other Assets 0% Weight RB0091 $761K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $92.6M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $501K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $501K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $92.6M
RBC Allowance for Credit Losses (Loans) RB0177 $260K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 39.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 3,494,789.00%
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 56.00%
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 3,838,075.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $7.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 11.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 247,448.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 190.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 7,247,866.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 2,060,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $7.5M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $2.1M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $296
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $14.8M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $2.1M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $516K
Total Shares SH0013 $81.5M
Total Shares and Deposits SH0018 $81.5M

Western New York 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 Western New York Federal Credit Union call report?

The Western New York 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 Western New York Federal Credit Union file?

Western New York 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 Western New York 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 Western New York Federal Credit Union is 16042.

How often does Western New York Federal Credit Union file a call report?

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

Western New York Federal Credit Union financials and ratios →

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