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Credit union call report ยท Winthrop, ME

Winthrop Area Federal Credit Union Call Report

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Winthrop Area Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 254 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Winthrop Area Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number2301
Federal Reserve RSSD ID114279

The official copy: search charter number 2301 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Winthrop Area Federal Credit Union call report, Q2 2026

Statement of Financial Condition (30 items)
Winthrop Area Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $866K
1b. Cash Items in Process of Collection AS0005 $445K
1c. Total Cash on Hand 730A $1.3M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $1.2M
2b. Cash on Deposit in Federal Reserve Bank AS0003 $21.8M
2. Cash on Deposit (total) 730B $22.9M
3. Time Deposits in Banks and Credit Unions AS0007 $19.7M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $43.9M
12b. Perpetual Contributed Capital 769B $99K
12c. All Other Investments AS0016 $50K
13. TOTAL OTHER INVESTMENTS AS0017 $149K
15a. Number of Total Loans and Leases 025A 3,216
15b. Total Loans and Leases 025B $59.8M
17. ACL on Loans and Leases AS0048 $262K
19. Land and Building 007 $906K
20. Other Fixed Assets 008 $194K
21. NCUA Share Insurance Capitalization Deposit 794 $838K
22d. Accrued Interest on Loans 009A $138K
22e. Accrued Interest on Investments 009B $53K
22f. All Other Assets 009C $932K
22g. Total Other Assets AS0036 $1.1M
23. TOTAL ASSETS 010 $106.7M
Accounts Payable and Other Liabilities 825 $336K
Member Shares of All Types 013 $94.2M
Total Shares and Deposits 018 $94.2M
Undivided Earnings 940 $11.0M
Other Reserves 658 $1.2M
Total Net Worth 997 $12.2M
Net Worth Ratio 998 11.43%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $106.7M
Statement of Income and Expense (22 items)
Winthrop Area Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $1.8M
3. Income from Investments 120 $797K
5. TOTAL INTEREST INCOME 115 $2.6M
6. Dividends on Shares 380 $859K
9. TOTAL INTEREST EXPENSE 350 $859K
10. NET INTEREST INCOME IS0010 $1.8M
12a. Credit Loss Expense - Loans and Leases IS0011 $12K
12e. Total Credit Loss Expense IS0017 $12K
13. Fee Income 131 $112K
14. Other Operating Income IS0020 $230K
23. TOTAL NON-INTEREST INCOME 117 $342K
24. Employee Compensation and Benefits 210 $719K
25. Travel and Conference 230 $5K
26. Office Occupancy 250 $107K
27. Office Operations 260 $308K
28. Educational and Promotional 270 $83K
29. Loan Servicing 280 $197K
30. Professional and Outside Services 290 $209K
32. Operating Fees 320 $6K
33. Miscellaneous Operating Expense 360 $33K
34. TOTAL NON-INTEREST EXPENSE 671 $1.7M
35. NET INCOME 661A $417K
Statement pages - all other filed accounts (22 items)

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

Winthrop Area 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 $476K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $22K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $28K
Loans Granted Year-to-Date 031A $482
Amount of Loans Granted Year-to-Date 031B $15.0M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $58K
Number of current members (not number of accounts) 083 8,670
Number of potential members 084 435,179
Net Member Business Loan Balance 400A $147K
Interest Rate of Unsecured Credit Card Loans 521 1,150.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 900.00%
Interest Rate of New Vehicle Loans 523 575.00%
Interest Rate of Used Vehicle Loans 524 575.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $26K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $4K
Amount of Regular Shares 657 $19.3M
Amount of Share Drafts 902 $11.5M
IRA/KEOGH Accounts - < 1 Year 906A $4.8M
Share Certificates - < 1 Year 908A $23.7M
Total Amount of Share Certificates 908C $27.2M
Total Amount of Money Market Shares 911 $29.7M
Number of Used Vehicle Loans 968 1,547
NCUA data file FS220A (26 items)

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

Winthrop Area Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $89.0M
Total Shares - 1-3 Years 013B1 $3.5M
Total Shares - > 3 Years 013B2 $1.7M
Total Shares and Deposits - < 1 Year 018A $89.0M
Total Shares and Deposits - 1-3 Years 018B1 $3.5M
Total Shares and Deposits - > 3 Years 018B2 $1.7M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 4
Amount of Delinquent Indirect Loans 041E $57K
Effective date of last audit 063 $92K
Amount of Used Vehicle Loans 370 $29.4M
Amount of New Vehicle Loans 385 $8.4M
Amount of Unsecured Credit Card Loans 396 $422K
Amount of All Other Unsecured Loans/Lines of Credit 397 $616K
Share Certificates 451 $805
Number of Accounts for Share Drafts 452 3,335
IRA/KEOGH Accounts 453 $282
Number of Accounts for Regular Shares 454 8,638
Money Market Shares 458 $741
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 13,801
Number of credit union employees who are Full-Time (26 hours or more) 564A 16
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 $39K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,617.00%
Number of Outstanding Indirect Loans 617A 1,373
Total Amount of Outstanding Indirect Loans 618A $29.1M
Total credit lines 881 $2.0M
NCUA data file FS220B (20 items)

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

Winthrop Area 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 $6.8M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $6.8M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $87.3M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $32K
Amount of Regular Shares - < 1 Year 657A $19.3M
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $3K
Amount of Share Drafts - < 1 Year 902A $11.5M
IRA/KEOGH Accounts - 1-3 Years 906B1 $1.1M
IRA/KEOGH Accounts - > 3 Years 906B2 $598K
Total Amount of IRA/KEOGH Accounts 906C $6.5M
Share Certificates - 1-3 Years 908B1 $2.4M
Share Certificates - > 3 Years 908B2 $1.1M
Money Market Shares - < 1 Year 911A $29.7M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $188K
Number of New Vehicle Loans 958 286
Total Shares 966 $14K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $67K
Number of Unsecured Credit Card Loans 993 352
Number of All Other Unsecured Loans/Lines of Credit 994 261
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 13
NCUA data file FS220C (7 items)

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

Winthrop Area 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 $4
Total Amount of Indirect Loans Charged Off Year-to-Date 550E $20K
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $356
Number of credit union branches (include the main office if member services are conducted at that location) 566 1
Supplemental Share Information - Accts Held by Member Government Depositors 631 $433K
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $13.1M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $2.0M
NCUA data file FS220D (22 items)

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

Winthrop Area 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
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
Remote Deposit Capture 887U $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Point-of-sale-Processing PI0012 $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
CU offer Shared service network PP0058 $1
NCUA data file FS220G (5 items)

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

Winthrop Area Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Outstanding Amount of Participation Loans Purchased By Type 691L $642K
Outstanding Amount of Real Estate Participation Loans Purchased 691L2 $642K
Total Value of Investments in CUSOs 851 $50K
Total Aggregate Cash Outlay in CUSOs 853 $50K
Total Credit Lines at Corporate Credit Unions 884 $2.0M
NCUA data file FS220H (3 items)

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

Winthrop Area Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $5.7M
Total number of TDR loans outstanding 1000F $2
Total amount of TDR loans outstanding 1001F $30K
NCUA data file FS220I (11 items)

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

Winthrop Area 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 $96K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $352K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $22K
Amount of Used Vehicle Loans Delinquent >=360 days 023C2 $28K
Number of Reportable Delinquent Used Vehicle Loans 035E2 3
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $57K
Amount of New Vehicle Loans YTD Charge Offs 550C1 $4K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $21K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $1K
Commercial Share Accounts 643 $6.5M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $14K
NCUA data file FS220L (8 items)

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

Winthrop Area Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $3K
Total Amount of Loans & Leases on Loan Schedule 025B1 $59.8M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $2.7M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 600.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 575.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 600.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $4.1M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $14.2M
NCUA data file FS220M (7 items)

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

Winthrop Area 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 $4.1M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $827K
Total Unfunded Commitments for Non-Commercial Loans 816T $5.7M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $722K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 355
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 142
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 273
NCUA data file FS220N (3 items)

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

Winthrop Area Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Total Liabilities LI0069 $94.5M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $32K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $106.7M
NCUA data file FS220P (15 items)

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

Winthrop Area 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 $269
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $28
All Other Unsecured Loans/Lines of Credit DL0022 $11K
Used Vehicle Loans DL0037 $7K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $17K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $1K
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 $1K
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 - Total Delinquent Loans and Leases DL0141 $8K
Amount of reportable delinquency included in Total Delinquent Loans and Leases (Account 041B), that relates to: Participation Loans Purchased under 701.22 DL0142 $1K
Amount of Consumer Loans in Non-Accrual Status DL0145 $48K
Number of Indirect Loans - New and Used Vehicle Loans IN0001 1,310
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $28.4M
Number of Indirect Loans - All Other Loans IN0007 63
Amount of Indirect Loans - All Other Loans IN0008 $703K
NCUA data file FS220Q (17 items)

investment portfolio detail (69%)

Winthrop Area Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $9.0M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $5.7M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $5.0M
Investment Maturity Distribution - Time Deposits - Total NV0116 $19.7M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $149K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $149K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $9.0M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $5.7M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $5.0M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $149K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $19.8M
RBC Total Equity RB0001 $12.2M
RBC Allowance for Credit Losses RB0002 $262K
RBC Total Additions RB0005 $262K
RBC Total Deductions RB0009 $838K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $11.6M
RBC Risk-Based Capital Numerator RB0012 $11.6M
NCUA data file FS220R (36 items)

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

Winthrop Area Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $149K
RBC Schedule Total Consumer Loans RB0060 $42.9M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $262K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $262K
RBC Schedule Total Loans RB0079 $59.6M
RBC Total for Risk Weighting Total Loans RB0081 -$262K
RBC Total Loans 0% Weight RB0082 -$262K
RBC Schedule Total Other Assets RB0088 $3.1M
RBC Total for Risk Weighting Other Assets RB0090 $838K
RBC Other Assets 0% Weight RB0091 $838K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $106.7M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $576K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $576K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $106.7M
RBC Allowance for Credit Losses (Loans) RB0177 $262K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 249.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 9,436,150.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 1,186,406.00%
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 106.00%
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 4,739,932.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 453,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $14.2M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $1.6M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Adjustable Rate RL0021 95.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Adjustable Rate RL0022 2,437,615.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Adjustable Rate RL0023 650,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 47.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 305,346.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $2.7M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $650K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $497
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $16.9M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $2.3M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $3.5M
Total Shares SH0013 $94.2M
Total Shares and Deposits SH0018 $94.2M

Winthrop Area 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 Winthrop Area Federal Credit Union call report?

The Winthrop Area 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 Winthrop Area Federal Credit Union file?

Winthrop Area 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 Winthrop Area 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 Winthrop Area Federal Credit Union is 2301.

How often does Winthrop Area Federal Credit Union file a call report?

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

Winthrop Area Federal Credit Union financials and ratios →

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