{"name":"Line4 regulatory submissions library","licence":"Line4's own text, and the way Line4 has collected and arranged these records, are licensed under CC BY 4.0. The facts themselves (names, codes, dates, frequencies, formats) belong to no one. The regulators' document titles, template names, quoted terms and documents belong to the regulators and are not covered by this licence: see each regulator's reuse terms. Not affiliated with or endorsed by any regulator.","license_url":"https://creativecommons.org/licenses/by/4.0/","credit":"Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai","last_checked":"2026-11-13","url":"https://www.line4.ai/regulatory-returns","regulators":[{"id":"ncua","last_checked":"2026-11-13","regulator":{"name":"National Credit Union Administration","short_name":"NCUA","country":"United States","country_code":"US","region":"North America","website":"https://ncua.gov/","what_it_does":"An independent federal agency, created by Congress in 1970, that charters and regulates federal credit unions, insures deposits (shares) at federally insured credit unions through the National Credit Union Share Insurance Fund, and protects credit union members. It collects the Call Report, the Credit Union Profile and other returns described here from credit unions and credit union service organisations to monitor their financial condition and the risks they pose to the Share Insurance Fund.","source":"https://ncua.gov/about/mission-values"},"scope":{"text":"The periodic returns that federally insured, natural-person credit unions and credit union service organisations (CUSOs) file with NCUA through its own online reporting systems, as NCUA's Regulatory Reporting hub page lists them: the quarterly 5300 Call Report and the Credit Union Profile (NCUA Form 4501A), both filed through CUOnline, and the CUSO Registry's own reporting by credit union service organisations. Left out: the monthly 5310 Call Report and Corporate Profile that the small, separate population of corporate credit unions files through Corporate Credit Union Online; the Suspicious Activity Report, which the hub page links to but which is actually filed with FinCEN, not NCUA; the Data Exchange Application (DEXA), a data-import tool for loan and share data rather than a return in its own right; and NCUA's \"Collection of Examination and Supervision Information,\" which describes how NCUA handles data gathered during examinations rather than a return credit unions file on a schedule. Checked and also left out: the low-income credit union designation (NCUA determines eligibility from examination data, or a credit union may make a one-off member-data submission, neither of which is a scheduled filing) and the annual fidelity bond and insurance coverage review (an internal board-level review; the one figure NCUA actually collects, maximum fidelity bond coverage for a single loss, is a field on the quarterly Profile, not a separate return).","source":"https://ncua.gov/regulation-supervision/regulatory-reporting"},"submission_systems":[{"name":"CUOnline","what":"NCUA's web-based application for natural-person credit unions and state credit union supervisors to enter, certify and submit the Credit Union Profile and the quarterly 5300 Call Report. It uses NCUA Connect for multifactor sign-in and works in Chrome, Edge, Firefox and Safari (not Internet Explorer); Call Report data can also be imported as XML built to NCUA's published schema for the cycle.","url":"https://cuonline.ncua.gov/","source":"https://ncua.gov/regulation-supervision/regulatory-reporting/cuonline"},{"name":"CUSO Registry","what":"The online application (cusoregistry.ncua.gov) through which credit union service organisations submit their required operational and financial information to NCUA, and through which the public can search basic information about registered CUSOs.","url":"https://cusoregistry.ncua.gov/","source":"https://ncua.gov/regulation-supervision/regulatory-reporting/cuso-registry"},{"name":"NCUA Connect & Admin Portal","what":"The common sign-in and administration point for CUOnline, the CUSO Registry and NCUA's other online applications; administrators add users in the Admin Portal, and NCUA Connect carries user guides and FAQs.","url":"https://ncua.gov/regulation-supervision/examination-modernization-initiatives/enterprise-solution-modernization-program/ncua-connect-merit/ncua-connect-faq","source":"https://ncua.gov/regulation-supervision/regulatory-reporting"},{"name":"Corporate Credit Union Online","what":"The separate system corporate credit unions, a small population distinct from the natural-person credit unions covered here, use to submit their own monthly 5310 Call Report and Corporate Profile.","url":"https://corporatecuonline.ncua.gov/","source":"https://ncua.gov/regulation-supervision/regulatory-reporting/corporate-credit-union-online"}],"licence":{"name":"NCUA public domain notice (NCUA Guaranteed Notes Program page)","quote":"Unless otherwise noted, material presented on this website and its related links is considered federal government information and is in the public domain.","url":"https://ncua.gov/support-services/guaranteed-notes-program","checked":"2026-11-13","redistribution":"allowed","conditions":"If copyrighted content, documents, images or other materials appear on the site, NCUA says it will note that and the copyright holder must be consulted before that material may be reproduced. NCUA's 2026 Annual Information Resource Management Strategic Plan separately states that its publicly shared data assets are in the public domain by default and not subject to domestic copyright protection under 17 U.S.C. 105, consistent with this. The Website Privacy Policy page itself does not carry the public domain line.","decision":"link-only","decision_reason":"NCUA's own public domain notice, read on its own pages, covers its federal government information and publicly shared data without needing permission, but this library never hosts or copies a regulator's own documents, so only links, sizes and hashes are kept here."},"public_filed_data":[{"name":"Call Report Quarterly Data (all natural person credit unions)","level":"firm-level","description":"Every data item for every credit union, by quarter, back to March 1994, as compressed comma-delimited text files, one zip per cycle; NCUA calls this \"final data.\"","url":"https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data","format":"CSV (zip)","returns":["5300-call-report"],"reuse":"No reuse terms stated on this page; see the licence section.","source":"https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data"},{"name":"5300 Call Report Aggregate Financial Performance Reports (FPRs)","level":"aggregate","description":"Each quarter's aggregate Financial Performance Reports (key ratios, delinquent loan information, loan losses, real estate loans, commercial loans, investments) for all federal credit unions and all federally insured, state-chartered credit unions, as an Excel workbook inside a zip file, back to 2011 on this page.","url":"https://ncua.gov/analysis/credit-union-corporate-call-report-data/aggregate-financial-performance-reports","format":"Excel (zip)","returns":["5300-call-report"],"reuse":"No reuse terms stated on this page; see the licence section.","source":"https://ncua.gov/analysis/credit-union-corporate-call-report-data/aggregate-financial-performance-reports"},{"name":"Financial Performance Reports for Credit Unions","level":"firm-level","description":"An individual credit union's financial summary (assets, liabilities and capital, income and expense) that can be requested once that credit union's Call Report data is submitted and validated; peer averages and the aggregate reports for the latest cycle are normally available within six to eight weeks of the cycle date.","url":"https://fpr.ncua.gov/","format":"Web application","returns":["5300-call-report"],"reuse":"No reuse terms stated on this page.","source":"https://ncua.gov/analysis/credit-union-corporate-call-report-data/financial-performance-reports"},{"name":"Recently Updated Call Reports","level":"firm-level","description":"A search tool for Call Report filings that NCUA has updated in the last 90 days, by credit union or group of credit unions.","url":"https://recent5300.ncua.gov/","format":"Web application","returns":["5300-call-report"],"reuse":"No reuse terms stated on this page.","source":"https://ncua.gov/analysis/credit-union-corporate-call-report-data"},{"name":"Custom Query","level":"firm-level","description":"A query builder that lets a user select the financial information collected during a chosen Call Report cycle.","url":"https://webapps2.ncua.gov/CustomQuery/","format":"Web application","returns":["5300-call-report"],"reuse":"No reuse terms stated on this page.","source":"https://ncua.gov/analysis/credit-union-corporate-call-report-data"},{"name":"List of Active Federally Insured Credit Unions","level":"firm-level","description":"A spreadsheet listing every active federally insured credit union as of the end of the most recent quarter, with membership, assets and loans.","url":"https://ncua.gov/files/publications/analysis/federally-insured-credit-union-list-june-2026.zip","format":"Excel (zip)","returns":["5300-call-report"],"reuse":"No reuse terms stated on this page; see the licence section.","source":"https://ncua.gov/analysis/credit-union-corporate-call-report-data"},{"name":"Credit Union Locator","level":"firm-level","description":"A map and search tool for finding a credit union by address, name or charter number; it shows a site's location once the Profile marks it with a public-facing function.","url":"https://mapping.ncua.gov/","format":"Web application","returns":["credit-union-profile"],"reuse":"No reuse terms found; the application itself could not be fetched this session (see gaps).","source":"https://ncua.gov/files/publications/regulations/credit-union-profile-form-4501A-march-2026.pdf"},{"name":"CUSO Registry search","level":"firm-level","description":"A public search of registered CUSOs: legal name and trade names, NCUA registry number, services offered, address, and any public website or phone number the CUSO has provided.","url":"https://cusoregistry.ncua.gov/Search/Search","format":"Web application","returns":["cuso-registry"],"reuse":"No reuse terms stated on this page.","source":"https://ncua.gov/regulation-supervision/regulatory-reporting/cuso-registry"},{"name":"CUSOs at a Glance","level":"aggregate","description":"An annually updated summary of CUSO services and locations across the whole registry, published as one PDF per year since 2015.","url":"https://ncua.gov/analysis/cuso-economic-data/cusos-glance","format":"PDF","returns":["cuso-registry"],"reuse":"No reuse terms stated on this page; see the licence section.","source":"https://ncua.gov/analysis/cuso-economic-data/cusos-glance"}],"gaps":["cusoregistry.ncua.gov could not be reached: two attempts, each through scripts/polite.py (which itself retries a failed connection), both ended in \"Connection reset by peer.\" Not retried further under the rule against retrying a connection failure. The CUSO Registry's own Help section, Quick Guides and User Manual, which might describe field-level edit rules and the exact fields on screen, were not read; the CUSO Registry return instead relies on the ncua.gov overview page and on 12 CFR 712.3(d) for what a CUSO must report.","fpr.ncua.gov (the individual Financial Performance Report application) and mapping.ncua.gov/ResearchCreditUnion (the Credit Union Locator/Research a Credit Union tool) both timed out when fetched directly (\"Operation timed out\"), not a block or a challenge page. Not retried further. What each tool does is taken from the ncua.gov pages that describe and link them, not from the tools themselves.","ecfr.gov answered every request with a redirect to a CAPTCHA page (unblock.federalregister.gov) on 2026-11-13 and was not worked round. The legal text of 12 CFR parts 741 and 712 was instead read from govinfo.gov's 2025 annual edition PDF of each part (the 2026 annual edition was not available there when checked); several guessed govinfo.gov URL patterns for a single CFR section as its own HTML page (for example a \"sec741-6.htm\" or \"part741.htm\" page) returned \"Page Not Found\" before the whole-part PDF pattern was found to work, so 741.6 and 712.3 are cited to the whole-part PDF rather than a page for the single section.","Checked and found no evidence that the low-income credit union designation (12 CFR 701.34) is itself a periodic return: NCUA's own low-income designation page states that NCUA determines eligibility from member data gathered during examinations, and that a credit union may instead make a one-off member-data submission if it believes it qualifies. Neither is a scheduled filing, so it is not included as a return here.","Checked and found no evidence that the annual fidelity bond and insurance coverage review (12 CFR part 713) is itself a periodic filing to NCUA: the 4501A Profile FAQs page describes it as a board-level review, and the one figure actually reported to NCUA, the maximum fidelity bond coverage for a single loss, is a field on the quarterly Credit Union Profile rather than a separate return.","No comprehensive master list of every NCUA reporting requirement was found; coverage here follows what the Regulatory Reporting hub page, the CUOnline and CUSO Registry pages, and the Call Report and Profile instructions describe. The monthly 5310 Call Report and Corporate Profile that corporate credit unions file through Corporate Credit Union Online are confirmed by 12 CFR 741.6(a)(2) and the Corporate Credit Union Online page as genuine periodic returns, but are left out of the scope here because corporate credit unions are a small, separate population from the natural-person credit unions covered here.","The contents of the Call Report Import File Test Utility (cuonline.ncua.gov/importtest) and the exact screens of CUOnline, Corporate Credit Union Online and the CUSO Registry itself (all behind sign-in) were not read; what they do is taken from the ncua.gov pages that describe them."],"sources":[{"title":"NCUA, Mission and Values","url":"https://ncua.gov/about/mission-values"},{"title":"NCUA, Regulatory Reporting for Credit Unions","url":"https://ncua.gov/regulation-supervision/regulatory-reporting"},{"title":"NCUA, CUOnline","url":"https://ncua.gov/regulation-supervision/regulatory-reporting/cuonline"},{"title":"NCUA, 5300 Call Report FAQs","url":"https://ncua.gov/regulation-supervision/regulatory-reporting/cuonline/5300-call-report-faqs"},{"title":"NCUA, 4501A Profile FAQs","url":"https://ncua.gov/regulation-supervision/regulatory-reporting/cuonline/4501a-profile-faqs"},{"title":"NCUA, CUSO Registry","url":"https://ncua.gov/regulation-supervision/regulatory-reporting/cuso-registry"},{"title":"NCUA, Corporate Credit Union Online","url":"https://ncua.gov/regulation-supervision/regulatory-reporting/corporate-credit-union-online"},{"title":"NCUA, Collection of Examination and Supervision Information From Federally Insured Credit Unions","url":"https://ncua.gov/regulation-supervision/regulatory-reporting/collection-examination-supervision-information"},{"title":"NCUA, Credit Union and Corporate Call Report Data","url":"https://ncua.gov/analysis/credit-union-corporate-call-report-data"},{"title":"NCUA, Low-Income Credit Union Designation","url":"https://ncua.gov/support-services/credit-union-resources-expansion/field-membership-expansion/low-income-designation"},{"title":"NCUA, CUSOs at a Glance","url":"https://ncua.gov/analysis/cuso-economic-data/cusos-glance"},{"title":"NCUA Letter to Credit Unions 23-CU-02","url":"https://ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/expansion-permissible-cuso-activities-and-associated-risks"},{"title":"Call Report, Form 5300, effective March 31, 2025","url":"https://ncua.gov/files/publications/regulations/call-report-form-march-2025.pdf"},{"title":"Call Report Form 5300 Instructions, effective September 30, 2025","url":"https://ncua.gov/files/publications/regulations/call-report-instructions-september-2025.pdf"},{"title":"Credit Union Profile, Form 4501A, effective December 31, 2024","url":"https://ncua.gov/files/publications/regulations/credit-union-profile-form-4501A-march-2026.pdf"},{"title":"govinfo.gov, 12 CFR part 741 (2025 annual edition)","url":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol7/pdf/CFR-2025-title12-vol7-part741.pdf"},{"title":"govinfo.gov, 12 CFR part 712 (2025 annual edition)","url":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol7/pdf/CFR-2025-title12-vol7-part712.pdf"},{"title":"12 U.S.C. 1756, Reports and examinations","url":"https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapI-sec1756.htm"},{"title":"12 U.S.C. 1761, Management","url":"https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapI-sec1761.htm"},{"title":"12 U.S.C. 1766, Powers of Board","url":"https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapI-sec1766.htm"},{"title":"12 U.S.C. 1782, Administration of insurance fund","url":"https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapII-sec1782.htm"},{"title":"12 U.S.C. 1784, Examination of insured credit unions","url":"https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapII-sec1784.htm"}],"returns":[{"id":"5300-call-report","code":"NCUA 5300","name":"Quarterly call report","official_name":"Call Report","group":"Financial statements (Call Report)","status":"in force","purpose":{"text":"The quarterly balance sheet (Statement of Financial Condition) and income statement (Statement of Income and Expense) of a credit union, plus supporting Schedules A through I, commonly called the Call Report. NCUA collects and analyses it, together with examinations, to assess a credit union's financial condition and to evaluate existing and potential risks to the National Credit Union Share Insurance Fund; the data also feed NCUA's public credit union data tools.","source":"https://ncua.gov/regulation-supervision/regulatory-reporting/collection-examination-supervision-information"},"who_files":{"text":"Every insured credit union files a Call Report: NCUA's own rule puts it as \"natural person credit unions must file a Call Report with NCUA quarterly in accordance with the instructions in the NCUA Form 5300.\" In practice this covers federal credit unions, federally insured state-chartered credit unions, and, through a third CUOnline schema, some non-federally-insured credit unions; state credit union supervisors also use CUOnline to review their state-chartered credit unions' reports.","source":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol7/pdf/CFR-2025-title12-vol7-part741.pdf"},"frequency":{"value":"quarterly","text":"Quarterly, as of March 31, June 30, September 30 and December 31 each year.","source":"https://ncua.gov/files/publications/regulations/call-report-instructions-september-2025.pdf"},"deadline":{"text":"Due no later than 11:59:59 p.m. Eastern on the 30th calendar day of the month following the quarter-end date, so April 30, July 30, October 30 and January 30 for the four cycles. NCUA may assess civil money penalties on a credit union that does not file by that date.","source":"https://ncua.gov/regulation-supervision/regulatory-reporting/cuonline"},"formats":{"values":["XML","Web form"],"text":"Entered directly into CUOnline's online forms, or prepared offline and imported as an XML file built to the XML schema NCUA publishes each cycle, with a separate schema for federal credit unions, federally insured state-chartered credit unions and non-federally-insured credit unions; an import that the published schema cannot validate is rejected.","source":"https://ncua.gov/regulation-supervision/regulatory-reporting/cuonline"},"legal_basis":[{"title":"12 CFR 741.6(a)(2) (natural-person credit unions must file a quarterly Call Report, NCUA Form 5300)","url":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol7/pdf/CFR-2025-title12-vol7-part741.pdf"},{"title":"12 U.S.C. 1756 (Federal credit unions: reports and examinations)","url":"https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapI-sec1756.htm"},{"title":"12 U.S.C. 1782(a) (insured credit unions: reports of condition, and civil money penalties for a late, false or misleading report)","url":"https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapII-sec1782.htm"},{"title":"12 U.S.C. 1766(e) (books, records and reports of Federal credit unions kept and made on forms the Board approves)","url":"https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapI-sec1766.htm"}],"templates":{"count":11,"items":[{"code":"STMT-COND","name":"Statement of Financial Condition"},{"code":"STMT-INC","name":"Statement of Income and Expense"},{"code":"A","name":"Loans (8 sections: Loans, Delinquent Loans, Charge-Offs/Recoveries, Other Loan Information, Indirect Loans, Loans Purchased and Sold Under 701.22/701.23, 1- to 4-Family Residential Real Estate Loans/Leases, Commercial)"},{"code":"B","name":"Investments (4 sections: Available-for-Sale/Held-to-Maturity Debt Securities, Trading Debt or Equity Securities, Investment Maturity Distribution, Investment Memoranda)"},{"code":"C","name":"Liquidity (5 sections: Unfunded Commitments, Off-Balance Sheet Exposures, Contingent Liabilities, Borrowing Arrangements, Borrowing Maturity Distribution)"},{"code":"D","name":"Shares and Supplemental Information (3 sections: Number of Members, Shares/Deposits Maturity Distribution, NCUA Insured Savings Computation)"},{"code":"E","name":"Supplemental Information (sections include Grants, Credit Union Employees, Credit Union Branches, International Remittances, Credit Union Service Organizations (CUSOs) and Money Services Businesses)"},{"code":"F","name":"Derivatives"},{"code":"G","name":"Capital Adequacy"},{"code":"H","name":"Complex Credit Union Leverage Ratio (CCULR) Calculation"},{"code":"I","name":"Risk-Based Capital (RBC) Ratio Calculation"}],"note":"Read from the \"SCHEDULE / REPORTING REQUIREMENT\" table and the schedule headers in the NCUA 5300 Call Report form (version 2025.1, effective March 31, 2025): every credit union completes the two statements each quarter, and Schedules A through I only if the underlying activity applies (for example Schedule A if the credit union has loans, or Schedule I if its assets exceed 500 million dollars). Several schedules are themselves split into named sections in the form, counted here inside each schedule's name rather than as separate items.","source":"https://ncua.gov/files/publications/regulations/call-report-form-march-2025.pdf"},"documents":["ncua-cuonline-page","ncua-5300-call-report-faqs","ncua-collection-exam-supervision-info","call-report-form-march-2025","call-report-instructions-september-2025","call-report-changes-march-2025","fcu-schema-september-2026","fiscu-schema-september-2026","nficu-schema-september-2026","account-descriptions-september-2026","edit-code-september-2026","ncua-call-report-data-hub"],"validation_rules":{"published":true,"count":983,"count_basis":"Data rows in the EditCode sheet of EditCodeSeptember2026.xlsx, inside the edit-code-september-2026.zip published on the CUOnline page for the September 2026 cycle: 428 rows typed Error, 349 Historical Warning, 203 Warning and 3 Historical Error, 983 in all. Counted by opening the downloaded workbook on 2026-11-13.","where":"https://ncua.gov/files/publications/regulations/edit-code-september-2026.zip","machine_readable":true,"rule_format":"Excel workbook, one row per edit code: an EditCode, a Formula column in NCUA's own expression syntax (AND, OR, and A(\"account\") or A(\"account\", n) to read an account's value n cycles back), an ErrorMessage, a Description, an EditType and which credit union type(s) the edit applies to.","note":"Error edits must be resolved before a Call Report is accepted; Warning, Historical Error and Historical Warning edits compare the current quarter with a prior one and are advisory.","source":"https://ncua.gov/regulation-supervision/regulatory-reporting/cuonline"},"public_data":{"level":"firm-level","text":"Every credit union's submitted Call Report is public. NCUA publishes the data through several tools: quarterly CSV data files back to March 1994, a Call Report Form Archive, a \"Recently Updated Call Reports\" search covering filings changed in the last 90 days, a Custom Query builder, an individual Financial Performance Report (FPR) that can be requested once a credit union's data is submitted and validated, and a List of Active Federally Insured Credit Unions. Aggregate Financial Performance Reports covering all federal and federally insured, state-chartered credit unions are also published each quarter.","url":"https://ncua.gov/analysis/credit-union-corporate-call-report-data","format":"CSV, Excel, PDF","source":"https://ncua.gov/analysis/credit-union-corporate-call-report-data"},"sources":["https://ncua.gov/regulation-supervision/regulatory-reporting/cuonline","https://ncua.gov/regulation-supervision/regulatory-reporting/cuonline/5300-call-report-faqs","https://ncua.gov/files/publications/regulations/call-report-instructions-september-2025.pdf","https://ncua.gov/files/publications/regulations/call-report-form-march-2025.pdf","https://ncua.gov/files/publications/regulations/changes-march-2025.pdf","https://ncua.gov/regulation-supervision/regulatory-reporting/collection-examination-supervision-information","https://ncua.gov/analysis/credit-union-corporate-call-report-data","https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data","https://ncua.gov/analysis/credit-union-corporate-call-report-data/financial-performance-reports","https://ncua.gov/analysis/credit-union-corporate-call-report-data/aggregate-financial-performance-reports","https://ncua.gov/regulation-supervision/regulatory-reporting","https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol7/pdf/CFR-2025-title12-vol7-part741.pdf","https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapI-sec1756.htm","https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapII-sec1782.htm","https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapI-sec1766.htm"]},{"id":"credit-union-profile","code":"NCUA 4501A","name":"Credit union profile","official_name":"Credit Union Profile","group":"Operational information","status":"in force","purpose":{"text":"An online record of a credit union's operational, contact, site, technology, governance and programme information, kept current and certified each quarter alongside the Call Report. NCUA and state supervisors use it to keep contact details and key officials current, to support examinations, and to populate public tools such as the Credit Union Locator.","source":"https://ncua.gov/regulation-supervision/regulatory-reporting/cuonline"},"who_files":{"text":"Every insured credit union completes and certifies a Profile in CUOnline. The Profile must be certified before a Call Report for the same quarter, or a correction to an earlier one, can be submitted.","source":"https://ncua.gov/regulation-supervision/regulatory-reporting/cuonline/5300-call-report-faqs"},"frequency":{"value":"quarterly","text":"Certified each quarter together with the Call Report. Insured credit unions must also update specific Profile information within 10 days of electing or appointing senior management or a volunteer official, or within 30 days of any other change to the information.","source":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol7/pdf/CFR-2025-title12-vol7-part741.pdf"},"deadline":{"text":"No separate calendar deadline is published for the quarterly certification itself; it is certified in conjunction with the Form 5300 Call Report each quarter. Updates for a new election or appointment are due within 10 days, and any other change within 30 days.","source":"https://ncua.gov/files/publications/regulations/credit-union-profile-form-4501A-march-2026.pdf"},"formats":{"values":["Web form"],"text":"Entered and certified directly in CUOnline. Unlike the Call Report, NCUA does not publish an XML import schema for the Profile.","source":"https://ncua.gov/regulation-supervision/regulatory-reporting/cuonline"},"legal_basis":[{"title":"12 CFR 741.6(a)(1) (insured credit unions must submit a Credit Union Profile, NCUA Form 4501 or its equivalent, within 10 days of an election or appointment, or within 30 days of any change)","url":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol7/pdf/CFR-2025-title12-vol7-part741.pdf"},{"title":"12 U.S.C. 1756 (Federal credit unions: reports and examinations)","url":"https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapI-sec1756.htm"},{"title":"12 U.S.C. 1761(b) (names and addresses of executive officers and committee members filed with the Administration within ten days of their election or appointment)","url":"https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapI-sec1761.htm"},{"title":"12 U.S.C. 1766 and 1784, cited together with 1756 in the Profile form's own certification clause","url":"https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapI-sec1766.htm"}],"templates":{"count":8,"items":[{"code":"GEN","name":"General Information"},{"code":"CONTACTS","name":"Contacts and Roles"},{"code":"SITES","name":"Sites"},{"code":"IT","name":"Information Technology"},{"code":"REG","name":"Regulatory Information"},{"code":"CATASTROPHIC","name":"Catastrophic Act / Business Continuity Information"},{"code":"PROGRAMS","name":"Credit Union Programs and Member Services"},{"code":"MERGER","name":"Merger Partner Registry"}],"note":"Read from the section headers of NCUA Form 4501A (version 2024.1, effective December 31, 2024). A Certification and a Certify Compliance signature section come before these and are not a data section.","source":"https://ncua.gov/files/publications/regulations/credit-union-profile-form-4501A-march-2026.pdf"},"documents":["ncua-cuonline-page","ncua-4501a-profile-faqs","ncua-5300-call-report-faqs","credit-union-profile-form-4501a-march-2026","credit-union-profile-form-instructions-4501a-2026-q3","credit-union-profile-form-changes-4501a-december-2024","edit-code-september-2026"],"validation_rules":{"published":true,"count":114,"count_basis":"Data rows in the ProfileEditCode sheet of ProfileEditCodeSeptember2026.xlsx, inside the same edit-code-september-2026.zip as the Call Report edits: 72 rows typed Warning and 42 typed Error, 114 in all. Counted by opening the downloaded workbook on 2026-11-13.","where":"https://ncua.gov/files/publications/regulations/edit-code-september-2026.zip","machine_readable":false,"rule_format":"Excel table of edit codes with an EditType (Warning or Error), a plain-English description of the condition that triggers it and the message shown, but, unlike the Call Report sheet in the same file, no Formula column, so the checks cannot be run from the published file by code alone.","source":"https://ncua.gov/regulation-supervision/regulatory-reporting/cuonline"},"public_data":{"level":"firm-level","text":"Most Profile fields are not public (NCUA Form 4501A marks the fields it will not release with an asterisk), but a credit union's address, phone number, website and certain site information are. A site's location is published in the Credit Union Locator once at least one public-facing function, such as a shared service centre, ATM, drive-through, member services point or interactive teller machine, is selected for it.","url":"https://mapping.ncua.gov/","source":"https://ncua.gov/files/publications/regulations/credit-union-profile-form-4501A-march-2026.pdf"},"sources":["https://ncua.gov/regulation-supervision/regulatory-reporting/cuonline","https://ncua.gov/regulation-supervision/regulatory-reporting/cuonline/4501a-profile-faqs","https://ncua.gov/regulation-supervision/regulatory-reporting/cuonline/5300-call-report-faqs","https://ncua.gov/files/publications/regulations/credit-union-profile-form-4501A-march-2026.pdf","https://ncua.gov/files/publications/regulations/credit-union-profile-form-instructions-4501A-2026-Q3.pdf","https://ncua.gov/files/publications/regulations/credit-union-profile-form-changes-4501A-december-2024.pdf","https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol7/pdf/CFR-2025-title12-vol7-part741.pdf","https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapI-sec1756.htm","https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapI-sec1761.htm","https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapI-sec1766.htm","https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapII-sec1784.htm"]},{"id":"cuso-registry","code":"CUSO Registry report","name":"Credit union service organization (CUSO) report","official_name":"CUSO Registry Reporting","group":"CUSOs","status":"in force","purpose":{"text":"An online registry through which credit union service organisations (CUSOs), companies a credit union owns, invests in or lends to that provide it or its members services such as data processing, lending support or financial services, submit their required operational and financial information to NCUA. NCUA uses the registry to monitor CUSO activity and the risks a CUSO can pose to the credit unions that own or lend to it.","source":"https://ncua.gov/regulation-supervision/regulatory-reporting"},"who_files":{"text":"The CUSO itself registers and reports. NCUA's regulation requires a CUSO to \"annually submit, pursuant to NCUA guidance, a report directly to NCUA and the appropriate state supervisory authority, if applicable,\" and a newly formed CUSO (including a pre-existing business that becomes subject to the rule because a credit union invests in or lends to it) must file its first report within 60 days of its formation.","source":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol7/pdf/CFR-2025-title12-vol7-part712.pdf"},"frequency":{"value":"annual","text":"Annual, under 12 CFR 712.3(d)(4), with an initial report due within 60 days of a CUSO's formation. NCUA's own registry page adds that CUSOs \"must update and reaffirm their listings in the system annually\" and that the registry otherwise stays open all year for registration, amendments and required reporting.","source":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol7/pdf/CFR-2025-title12-vol7-part712.pdf"},"deadline":{"text":"12 CFR 712.3(d)(4) sets a 60-day deadline from formation for a new CUSO's first report, and an annual deadline for the ongoing report, but does not fix a single calendar date for every CUSO; NCUA's own registry page likewise states only that reaffirmation is annual and that the registry stays open year-round.","source":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol7/pdf/CFR-2025-title12-vol7-part712.pdf"},"formats":{"values":["Web form"],"text":"Submitted directly through the online CUSO Registry (cusoregistry.ncua.gov). NCUA's registry page lists a Login.gov Service Desk as a support contact for the registry, indicating sign-in is through Login.gov.","source":"https://ncua.gov/regulation-supervision/regulatory-reporting/cuso-registry"},"legal_basis":[{"title":"12 CFR 712.3(d)(4) (a CUSO must annually submit a report to NCUA, pursuant to NCUA guidance, and a newly formed CUSO must file within 60 days of its formation)","url":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol7/pdf/CFR-2025-title12-vol7-part712.pdf"},{"title":"Authority for 12 CFR part 712, as stated in the part itself: 12 U.S.C. 1756, 1757(5)(D) and (7)(I), 1766, 1782, 1784, 1785, 1786, and 1789(a)(11)","url":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol7/pdf/CFR-2025-title12-vol7-part712.pdf"}],"templates":{"count":0,"items":[],"note":"No fixed schedule or template list for the CUSO Registry was found on ncua.gov; it is an online registration and reporting application, and its Quick Guides and User Manual are inside cusoregistry.ncua.gov itself, which could not be reached this session (see gaps). 12 CFR 712.3(d)(4) does describe the minimum content of a new CUSO's first report: its legal name, tax identification number, address, telephone number, website, primary contact, services offered, and the names and charters of the credit unions investing in, lending to or contracting with it.","source":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol7/pdf/CFR-2025-title12-vol7-part712.pdf"},"documents":["ncua-cuso-registry-page","ncua-cuso-glance-index","cusos-at-a-glance-2025","ncua-letter-23-cu-02"],"validation_rules":{"published":false,"machine_readable":false,"source":"https://ncua.gov/regulation-supervision/regulatory-reporting/cuso-registry","note":"No published list of edit or validation rules for the CUSO Registry was found on the ncua.gov pages read this session. The registry's own Help section, which might publish field-level edits, is inside cusoregistry.ncua.gov, which could not be reached (see gaps), so this is what was found, not a confirmed absence."},"public_data":{"level":"firm-level","text":"The public can look up a registered CUSO's legal name and any trade names, its NCUA-assigned registry number, services offered, address, and any public website or phone number it has provided, through the registry's own search function. NCUA also publishes \"CUSOs at a Glance,\" an annually updated summary of CUSO services and locations across the whole registry.","url":"https://cusoregistry.ncua.gov/Search/Search","format":"Web search tool, PDF","source":"https://ncua.gov/regulation-supervision/regulatory-reporting/cuso-registry"},"sources":["https://ncua.gov/regulation-supervision/regulatory-reporting/cuso-registry","https://ncua.gov/analysis/cuso-economic-data/cusos-glance","https://ncua.gov/files/publications/cusos-at-a-glance-2025.pdf","https://ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/expansion-permissible-cuso-activities-and-associated-risks","https://ncua.gov/regulation-supervision/regulatory-reporting","https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol7/pdf/CFR-2025-title12-vol7-part712.pdf"]}],"documents":[{"id":"ncua-cuonline-page","title":"NCUA, CUOnline","url":"https://ncua.gov/regulation-supervision/regulatory-reporting/cuonline","role":"list of returns","file_type":"html","downloadable":true,"size_bytes":null,"sha256":null,"date":null,"note":"Describes CUOnline (the Profile and Call Report application), lists the current cycle's 5300 and 4501A form/instructions/changes documents, the Call Report XML schema and account descriptions for software vendors, the Call Report Import File Test Utility, and the quarterly cycle due-date table."},{"id":"ncua-5300-call-report-faqs","title":"NCUA, 5300 Call Report FAQs","url":"https://ncua.gov/regulation-supervision/regulatory-reporting/cuonline/5300-call-report-faqs","role":"guidance","file_type":"html","downloadable":true,"size_bytes":null,"sha256":null,"date":null},{"id":"ncua-4501a-profile-faqs","title":"NCUA, 4501A Profile FAQs","url":"https://ncua.gov/regulation-supervision/regulatory-reporting/cuonline/4501a-profile-faqs","role":"guidance","file_type":"html","downloadable":true,"size_bytes":null,"sha256":null,"date":"2024-03-15"},{"id":"ncua-cuso-registry-page","title":"NCUA, CUSO Registry","url":"https://ncua.gov/regulation-supervision/regulatory-reporting/cuso-registry","role":"list of returns","file_type":"html","downloadable":true,"size_bytes":null,"sha256":null,"date":"2026-10-26","note":"States that CUSOs must provide financial information to NCUA through the CUSO Registry and must update and reaffirm their listings annually, links the registry and its search function, and states that NCUA releases CUSO data annually."},{"id":"ncua-cuso-glance-index","title":"NCUA, CUSOs at a Glance (index)","url":"https://ncua.gov/analysis/cuso-economic-data/cusos-glance","role":"other","file_type":"html","downloadable":true,"size_bytes":null,"sha256":null,"date":"2022-12-30","note":"Index page linking one annual \"CUSOs at a Glance\" PDF per year from 2015 to 2025."},{"id":"ncua-letter-23-cu-02","title":"NCUA Letter to Credit Unions 23-CU-02, Expansion of Permissible CUSO Activities and Associated Risks","url":"https://ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/expansion-permissible-cuso-activities-and-associated-risks","role":"guidance","file_type":"html","downloadable":true,"size_bytes":null,"sha256":null,"date":"2023-02-01","note":"February 2023 letter on the final rule amending 12 CFR part 712; confirms the regulation's name and that approved CUSO activities beyond the rule are posted to NCUA's CUSO Activities page."},{"id":"ncua-collection-exam-supervision-info","title":"NCUA, Collection of Examination and Supervision Information From Federally Insured Credit Unions","url":"https://ncua.gov/regulation-supervision/regulatory-reporting/collection-examination-supervision-information","role":"guidance","file_type":"html","downloadable":true,"size_bytes":null,"sha256":null,"date":null,"note":"States why and how NCUA collects financial, policy and risk information from credit unions, including \"periodic filing of call reports,\" and how it handles sensitive and personally identifiable information gathered during examinations; it is a privacy and security standards page, not a return."},{"id":"ncua-call-report-data-hub","title":"NCUA, Credit Union and Corporate Call Report Data","url":"https://ncua.gov/analysis/credit-union-corporate-call-report-data","role":"other","file_type":"html","downloadable":true,"size_bytes":null,"sha256":null,"date":"2026-09-14","note":"Hub page linking the Quarterly Data CSV files, Quarterly Data Summary, Financial Trends report, Quarterly U.S. Map Review, Call Report Form Archive, Aggregate Financial Performance Reports, individual Financial Performance Reports, Recently Updated Call Reports, Custom Query, Corporate Call Report downloads, and the CUOnline bulk data web service."},{"id":"call-report-form-march-2025","title":"Call Report, Form 5300, effective March 31, 2025 (version 2025.1)","url":"https://ncua.gov/files/publications/regulations/call-report-form-march-2025.pdf","role":"template","file_type":"pdf","downloadable":true,"size_bytes":1179001,"sha256":"fa161d816f5df7493af03c10d790a272517a1d2dea2dd0813e8e0605850f1baa","date":"2025-03-31","note":"The quarterly Statement of Financial Condition, Statement of Income and Expense, and Schedules A through I, with the \"SCHEDULE / REPORTING REQUIREMENT\" table the templates list for this return is read from."},{"id":"call-report-instructions-september-2025","title":"Call Report Form 5300 Instructions, effective September 30, 2025 (version 2025.1)","url":"https://ncua.gov/files/publications/regulations/call-report-instructions-september-2025.pdf","role":"instructions","file_type":"pdf","downloadable":true,"size_bytes":1332969,"sha256":"4bd4c68bd01470793a44914c95dbe40898c7cf0338566d718fc1afec938106c4","date":"2025-09-30","note":"General instructions (submission, amended reports, mergers, new charters, civil money penalties) plus line-by-line account instructions."},{"id":"call-report-changes-march-2025","title":"Call Report Changes, March 2025 cycle","url":"https://ncua.gov/files/publications/regulations/changes-march-2025.pdf","role":"release note","file_type":"pdf","downloadable":true,"size_bytes":80484,"sha256":"ac50d37be851fdf25c8e755468762ddaa996e18cee8b242e7b116594bd50b7d3","date":"2025-03-31"},{"id":"credit-union-profile-form-4501a-march-2026","title":"Credit Union Profile, Form 4501A, effective December 31, 2024 (version 2024.1)","url":"https://ncua.gov/files/publications/regulations/credit-union-profile-form-4501A-march-2026.pdf","role":"template","file_type":"pdf","downloadable":true,"size_bytes":211149,"sha256":"420bf98fc130e54953bb8de8f45d9acf37dd3fffa84b560b0e468db6998adb19","date":"2024-12-31","note":"General Information, Contacts and Roles, Sites, Information Technology, Regulatory Information, Catastrophic Act/Business Continuity Information, Credit Union Programs and Member Services, and Merger Partner Registry sections, each field marked with an asterisk if not released to the public."},{"id":"credit-union-profile-form-instructions-4501a-2026-q3","title":"Credit Union Profile Form 4501A Instructions, 2026 Q3","url":"https://ncua.gov/files/publications/regulations/credit-union-profile-form-instructions-4501A-2026-Q3.pdf","role":"instructions","file_type":"pdf","downloadable":true,"size_bytes":510184,"sha256":"c44dedc169309a1f290665292aaf876eee279786c631a72cb5a759f5e5ac4df1","date":"2026"},{"id":"credit-union-profile-form-changes-4501a-december-2024","title":"Credit Union Profile Form 4501A Changes, December 2024","url":"https://ncua.gov/files/publications/regulations/credit-union-profile-form-changes-4501A-december-2024.pdf","role":"release note","file_type":"pdf","downloadable":true,"size_bytes":200218,"sha256":"31e235561ef4f988e9d90d32ed1d5513081cbacfe42e02b17f5722b8a77bdf76","date":"2024-12-31"},{"id":"fcu-schema-september-2026","title":"Call Report XML schema for federal credit unions, September 2026 cycle","url":"https://ncua.gov/files/publications/regulations/fcu-schema-september-2026.xml","role":"schema","file_type":"xml","downloadable":true,"size_bytes":74471,"sha256":"d379ba036ded22a434ba3b523d570f266e4ef91bf8ea94be51a88fb19fca132c","date":"2026-09-01"},{"id":"fiscu-schema-september-2026","title":"Call Report XML schema for federally insured state-chartered credit unions, September 2026 cycle","url":"https://ncua.gov/files/publications/regulations/fiscu-schema-september-2026.xml","role":"schema","file_type":"xml","downloadable":true,"size_bytes":73492,"sha256":"355106855fdc86d42a50bed02ca9210c60512ac2cd4655733a984d714b4d5648","date":"2026-09-01"},{"id":"nficu-schema-september-2026","title":"Call Report XML schema for non-federally-insured credit unions, September 2026 cycle","url":"https://ncua.gov/files/publications/regulations/nficu-schema-september-2026.xml","role":"schema","file_type":"xml","downloadable":true,"size_bytes":73324,"sha256":"0b7cec8f1378e9cf59d4b2196b257d31900efda2d94941b910efa811333c016a","date":"2026-09-01"},{"id":"account-descriptions-september-2026","title":"Call Report Account Descriptions, September 2026 cycle","url":"https://ncua.gov/files/publications/regulations/account-descriptions-september-2026.zip","role":"data dictionary","file_type":"zip","downloadable":true,"size_bytes":59792,"sha256":"fc1e53a3ea67590122f2b09c0cc45ae293131ce852db0dd71dd293ecdd4faf77","date":"2026-09-01"},{"id":"edit-code-september-2026","title":"Call Report Edits: Errors and Warnings, September 2026 cycle","url":"https://ncua.gov/files/publications/regulations/edit-code-september-2026.zip","role":"validation rules","file_type":"zip","downloadable":true,"size_bytes":124620,"sha256":"5259f335770243d247b4588851892c3ed9b25aed16ba7d2e034d4339552575f1","date":"2026-09-01","note":"Holds two Excel workbooks: EditCodeSeptember2026.xlsx (983 Call Report edit codes, with an executable Formula column) and ProfileEditCodeSeptember2026.xlsx (114 Profile edit codes, described in plain English with no formula)."},{"id":"cusos-at-a-glance-2025","title":"CUSOs at a Glance, 2025","url":"https://ncua.gov/files/publications/cusos-at-a-glance-2025.pdf","role":"other","file_type":"pdf","downloadable":true,"size_bytes":210730,"sha256":"ef447b868689aa8a4202e40016d03f6208118e19c881c3a82a01b75212c669ca","date":"2025"}]}]}