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Credit union call report ยท Whitesville, KY

Whitesville Community Credit Union Call Report

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Whitesville Community Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 240 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Whitesville Community Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number62432
Federal Reserve RSSD ID641793

The official copy: search charter number 62432 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Whitesville Community Credit Union call report, Q2 2026

Statement of Financial Condition (30 items)
Whitesville Community Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $429K
1c. Total Cash on Hand 730A $429K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $4.2M
2c. Cash on Deposit in Other Financial Institutions 730B2 $45K
2. Cash on Deposit (total) 730B $4.3M
3. Time Deposits in Banks and Credit Unions AS0007 $19.2M
4. All Other Deposits AS0008 $9K
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $24.0M
12a. Nonperpetual Capital Account 769A $17K
12b. Perpetual Contributed Capital 769B $99K
13. TOTAL OTHER INVESTMENTS AS0017 $117K
15a. Number of Total Loans and Leases 025A 1,037
15b. Total Loans and Leases 025B $14.9M
17. ACL on Loans and Leases AS0048 $191K
19. Land and Building 007 $97K
20. Other Fixed Assets 008 $38K
21. NCUA Share Insurance Capitalization Deposit 794 $342K
22d. Accrued Interest on Loans 009A $39K
22e. Accrued Interest on Investments 009B $90K
22f. All Other Assets 009C $69K
22g. Total Other Assets AS0036 $197K
23. TOTAL ASSETS 010 $39.5M
Accounts Payable and Other Liabilities 825 $87K
Accrued Dividends and Interest Payable 820A $35K
Member Shares of All Types 013 $34.4M
Total Shares and Deposits 018 $34.4M
Undivided Earnings 940 $4.4M
Total Net Worth 997 $4.9M
Net Worth Ratio 998 12.40%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $39.5M
Statement of Income and Expense (19 items)
Whitesville Community Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $451K
3. Income from Investments 120 $419K
5. TOTAL INTEREST INCOME 115 $871K
6. Dividends on Shares 380 $67K
9. TOTAL INTEREST EXPENSE 350 $67K
10. NET INTEREST INCOME IS0010 $803K
13. Fee Income 131 $114K
23. TOTAL NON-INTEREST INCOME 117 $114K
24. Employee Compensation and Benefits 210 $307K
25. Travel and Conference 230 $15K
26. Office Occupancy 250 $33K
27. Office Operations 260 $212K
28. Educational and Promotional 270 $8K
29. Loan Servicing 280 -$156K
30. Professional and Outside Services 290 $22K
32. Operating Fees 320 $3K
33. Miscellaneous Operating Expense 360 $71K
34. TOTAL NON-INTEREST EXPENSE 671 $515K
35. NET INCOME 661A $402K
Statement pages - all other filed accounts (22 items)

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

Whitesville Community 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 $105K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $160K
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 $554
Loans Granted Year-to-Date 031A $188
Amount of Loans Granted Year-to-Date 031B $3.3M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $271K
Number of current members (not number of accounts) 083 2,815
Number of potential members 084 265,000
Interest Rate of Unsecured Credit Card Loans 521 899.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,000.00%
Interest Rate of New Vehicle Loans 523 500.00%
Interest Rate of Used Vehicle Loans 524 575.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $3K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $2K
Total Amount of All Other Shares 630 $170K
Amount of Regular Shares 657 $26.4M
Amount of Share Drafts 902 $7.6M
IRA/KEOGH Accounts - < 1 Year 906A $124K
Share Certificates - < 1 Year 908A $109K
Total Amount of Share Certificates 908C $119K
Number of Used Vehicle Loans 968 358
NCUA data file FS220A (19 items)

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

Whitesville Community Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $34.4M
Total Shares - 1-3 Years 013B1 $10K
Total Shares and Deposits - < 1 Year 018A $34.4M
Total Shares and Deposits - 1-3 Years 018B1 $10K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 15
Effective date of last audit 063 $12K
Amount of Used Vehicle Loans 370 $5.6M
Amount of New Vehicle Loans 385 $1.4M
Amount of Unsecured Credit Card Loans 396 $240K
Amount of All Other Unsecured Loans/Lines of Credit 397 $813K
Share Certificates 451 $10
Number of Accounts for Share Drafts 452 1,377
IRA/KEOGH Accounts 453 $16
Number of Accounts for Regular Shares 454 3,116
All other shares 455 $79
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 4,598
Number of credit union employees who are Full-Time (26 hours or more) 564A 8
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 1
Total credit lines 881 $825K
NCUA data file FS220B (18 items)

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

Whitesville Community Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 6 to less than 12 months delinquent 027B $110
Number - Total Delinquent Credit Card Loans 045A 1
Total Amount of Delinquent Unsecured Credit Card Loans 045B $110
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $693K
Total Uninsured Shares and Deposits > $250K (F+J) 068A $693K
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $33.7M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $92K
All other shares - < 1 Year 630A $170K
Amount of Regular Shares - < 1 Year 657A $26.4M
Amount of Share Drafts - < 1 Year 902A $7.6M
Total Amount of IRA/KEOGH Accounts 906C $124K
Share Certificates - 1-3 Years 908B1 $10K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $661K
Number of New Vehicle Loans 958 60
Total Shares 966 $5K
Number of Unsecured Credit Card Loans 993 231
Number of All Other Unsecured Loans/Lines of Credit 994 209
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 29
NCUA data file FS220C (4 items)

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

Whitesville Community 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 2
Supplemental Share Information - Accts Held by Member Government Depositors 631 $257K
Outstanding balance of brokered certificates of deposit and share certificates 788 $19.2M
NCUA data file FS220D (19 items)

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

Whitesville Community Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
No Cost Share Drafts 879A4 $1
Financial Counseling 879B1 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Credit Builder 879D1 $1
Brokered Certificates of Deposits 879N $1
Low-cost wire transfers 879W $1
Loan Payments 887F $1
Bill Payment 887J $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $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 (4 items)

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

Whitesville Community Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $468K
Total Credit Lines at Corporate Credit Unions 884 $825K
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $468K
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $468K
NCUA data file FS220H (1 item)

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

Whitesville Community Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $567K
NCUA data file FS220I (8 items)

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

Whitesville Community Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $27K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $58K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $1K
Number of Reportable Delinquent Used Vehicle Loans 035E2 5
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $123K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $960
Commercial Share Accounts 643 $2.9M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $7K
NCUA data file FS220L (10 items)

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

Whitesville Community 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 $14.9M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $138K
Amount of All Other Real Estate Loans/Lines of Credit 386B $400K
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 675.00%
Interest Rate of All Other Real Estate Loans/Lines of Credit 562B 675.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 675.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 475.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $954K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $5.3M
NCUA data file FS220M (8 items)

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

Whitesville Community 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 $661
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $563K
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $4K
Total Unfunded Commitments for Non-Commercial Loans 816T $567K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 86
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 5
Number of All Other Real Estate Loans/Lines of Credit 960B 8
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 80
NCUA data file FS220N (3 items)

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

Whitesville Community Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Total Liabilities LI0069 $34.6M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $7K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $39.5M
NCUA data file FS220P (19 items)

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

Whitesville Community 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 $3K
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $1K
All Other Unsecured Loans/Lines of Credit DL0024 $29K
All Other Unsecured Loans/Lines of Credit DL0027 $29K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $4
Used Vehicle Loans DL0037 $64K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $77K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $12K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $21K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $33K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $3
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $52K
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 $52K
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 $34K
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 $34K
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 $110K
Amount of Consumer Loans in Non-Accrual Status DL0145 $161K
NCUA data file FS220Q (17 items)

investment portfolio detail (69%)

Whitesville Community Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $6.9M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $12.4M
Investment Maturity Distribution - Time Deposits - Total NV0116 $19.2M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >3-5 Years NV0143 $17K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $99K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $117K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $6.9M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $12.4M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $17K
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $99K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $19.4M
RBC Total Equity RB0001 $4.9M
RBC Allowance for Credit Losses RB0002 $191K
RBC Total Additions RB0005 $191K
RBC Total Deductions RB0009 $342K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $4.7M
RBC Risk-Based Capital Numerator RB0012 $4.7M
NCUA data file FS220R (39 items)

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

Whitesville Community Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $117K
RBC Schedule Total Consumer Loans RB0060 $9.4M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $191K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $191K
RBC Schedule Total Loans RB0079 $14.7M
RBC Total for Risk Weighting Total Loans RB0081 -$191K
RBC Total Loans 0% Weight RB0082 -$191K
RBC Schedule Total Other Assets RB0088 $675K
RBC Total for Risk Weighting Other Assets RB0090 $342K
RBC Other Assets 0% Weight RB0091 $342K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $39.5M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $151K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $151K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $39.5M
RBC Allowance for Credit Losses (Loans) RB0177 $191K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 49.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 3,474,404.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 208,000.00%
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 35.00%
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 1,828,446.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 374,026.00%
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 $2
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 $24K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $5.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $582K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 5.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 137,824.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 1,350.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $138K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $1K
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Number of Loans Outstanding RL0032 8.00%
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Amount of Loans Outstanding RL0033 400,296.00%
All Other (Non-commercial) Real Estate - Amount of Loans Outstanding - Total RL0044 $400K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $99
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $5.9M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $583K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $206K
Total Shares SH0013 $34.4M
Total Shares and Deposits SH0018 $34.4M

Whitesville Community 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 Whitesville Community Credit Union call report?

The Whitesville Community 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 Whitesville Community Credit Union file?

Whitesville Community 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 Whitesville Community 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 Whitesville Community Credit Union is 62432.

How often does Whitesville Community Credit Union file a call report?

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

Whitesville Community Credit Union financials and ratios →

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