5300 Call Report Tools for CU*BASE

Have Comments about the 5300 Call Report?

We’d love to hear your feedback, use the Comments Section below

Since the NCUA 5300 Call Report data is subject to change every quarter, the Call Report is an ongoing project here at CU*Answers!  We are always looking for ways to make gathering Call Report information easier for credit unions.   In fact, we have a dedicated resource on staff who keeps our CU*BASE software up-to-date and continually analyzes how we can help credit unions gather 5300 Call Report data.  For detailed information on CU*BASE 5300 Call Report tools, refer to the booklet.

Refer to the NCUA’s dedicated webpage for details of the current Call Report, Profile and Instructions.

Fix to Ratio Calculations Using Total Loans (o25B)

With the NCUA’s major re-vamp of the Call Report in March 2022, they changed the “Total Loans” account code from a calculated Account Code to manual entry.  This resulted in 7 ratios in Tool #1021 “5300 Call Report Ratios Dashboard” not calculating correctly or not calculating at all.  PS#62565 is in process to update the following ratios:

  • Delinquent Loans/Total Loans
  • Loans to Assets
  • Loans to Equity
  • Total Loans to Total Shares
  • Yield on Average Loans
  • Total Shares, Deposits, Borrowings / Earnings Assets
  • Loan Growth

Collections Summary Dashboard Updated to Match NCUA Delinquency Terms

For the March 2022 Call Report, the NCUA revised loan delinquency reporting to separate out the 60-179 day range to 60-89 days and 90-179 days.   Our first priority was to update the Loan Delinquency Analysis Report to match the NCUA ranges and this change was implemented on 12/4/2022.  Next up is updating Tool #229 “Collections Dashboard/Summary” with the NCUA’s revised day ranges.

Project #59016 was implemented with the 23.10 release!

Tracking Recoveries on Written Off Loans

Project #56556 implemented in the 23.05 release enhanced Tool #476 Written Off Loan History Dashboard to add date toggles so that the net change/recovery amount can be calculated using end of month (EOM) balances.  For example, you can compare loan balances from EOM December to EOM March, June or September to determine the year-to-date net change.

Be sure to check out the “Write-off/Charge-off Tools for Loans” booklet for suggestions on assembling the data needed to determine loan recovery amounts.  Refer to the section “Tracking Charge Offs and Recoveries for the 5300 Call Report” in this booklet available on the CU*Answers CU*BASE Reference page.

Keep in mind that the Loan Charge Offs and Recoveries section of the Call Report encompasses both written off (debt is deemed still collectible) and charged off (debt is not deemed collectible) per the classifications in CU*BASE.


March 2023 Webinar

View the below March 2023 webinar to learn about using the CU*BASE Call Report Tools. webinar

We are always looking for ideas on how to improve the 5300 software. Contact callreport@cuanswers.com with any suggestions!

The chef for this recipe is Karen Sorensen.


Have thoughts or ideas about the 5300 Call Report? We’d love to hear your feedback. Use the Comment Section below.

January 16, 2024


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