The financial report every natural person credit union files with NCUA each quarter. It is the public source for what a credit union lends and holds.
NCUA’s rules require natural person credit unions to file a Call Report every quarter, following the instructions in NCUA Form 5300. Corporate credit unions file a different form monthly. Credit unions submit through CUOnline, NCUA’s web system, which has two parts: the Profile, with branch locations and contact details, and the Call Report, with the quarter’s financial figures. A credit union must file a corrected report when an error is found.
NCUA publishes the results. Its quarterly data files hold call report information from natural person credit unions going back to March 1994.
For someone seeking a loan, the 5300 is how to see whether a credit union does the kind of lending you need before you call. It reports commercial loans outstanding and loans granted or purchased during the year to date, along with net worth, which sets the lending limits.
Two cautions when reading it. Year-to-date loan figures include loans purchased, so they are not all loans the credit union originated. And the report describes the quarter end, so it runs a few months behind what the lender is doing today.
How it shows up in the data here
All credit union figures here come from the 5300 quarterly data for June 2026 and June 2025: commercial loans made in the first half of 2026 (granted or purchased), loans outstanding by category with counts and average sizes, net worth, participations bought and held, and the main phone number. Counts under 5 are not shown. Field by field sources are in the data dictionary and the methodology.
Go further
- Data dictionary: Each field with its 5300 account code.
- Methodology: How the files are read and combined.
- Credit union commercial loans made: Ranked by commercial loans granted or purchased in the first half of 2026.
- How to read a credit union's 5300 call report: Credit unions file their own call report, NCUA Form 5300, every quarter. For commercial loans it says more than a bank's report does: it counts the loans, and it reports what was made during the year.
- How to place a business loan with a credit union: Credit unions make business loans, and some make a lot of them. Three things are different from a bank: the borrower must be a member, most credit unions work under a cap on business loans, and the limit to one borrower is set against net worth.
Related terms
- Call report: The financial report every bank and savings association files with its federal regulator each quarter, with a balance sheet, an income statement and schedules that break out loans by kind.
- NCUA charter number: The number NCUA uses to identify a credit union in its records and call report files. It is the surest way to tell apart credit unions with similar names.
- Net worth ratio: A credit union's net worth divided by its total assets, as a percentage. NCUA treats 7 percent or more as well capitalized and 6 percent as adequately capitalized.
- Member business loan (MBL): A credit union's business-purpose loan to one of its own members. The total of these loans is capped by federal law; loans to non-members are counted separately.
- Uniform Bank Performance Report (UBPR): A public report, calculated each quarter mostly from a bank's call report, that turns the filing into ratios and compares the bank with a peer group.
- Credit union: A member-owned cooperative lender. It lends to the people and businesses inside its field of membership and files a call report with NCUA every quarter.
Sources
- 12 CFR 741.6, Financial and statistical and other reports, retrieved .
- NCUA, CUOnline (Profile and Call Report), retrieved .
- NCUA, Credit Union and Corporate Call Report Data, retrieved .
Plain definitions for orientation, not legal, tax or credit advice. A lender's own policy decides what it will do.