Credit Unions Get Another Round of Property-and-Liquidity Paperwork
Published Date: 10/20/2026
Notice
Summary
The National Credit Union Administration (NCUA) is renewing its paperwork rules for credit unions about property and liquidity. This means credit unions must keep following certain rules about buying, using, and selling buildings, plus managing emergency funds. If you’re involved with a credit union, you can comment on these rules by December 21, 2026, to help shape the process—no big cost changes, just keeping things smooth and safe.
Analyzed Economic Effects
5 provisions identified: 1 benefits, 4 costs, 0 mixed.
Loan Participation Agreement and Policy Rules
Federally insured credit unions must execute written loan participation agreements with lead lenders and maintain a loan participation policy with underwriting standards and maximum concentration limits under 12 CFR 701.22. Credit unions may apply for waivers, and the renewed collection estimates 2,916 total annual burden hours.
Capital Plans for Very Large Credit Unions
Federally insured credit unions that report $10 billion or more in assets on their March 31 Call Report must develop and maintain a capital plan and submit it to NCUA by March 31 each year under 12 CFR 702-E. The renewed information collection estimates 11,710 total annual burden hours.
Central Liquidity Facility Information Requirement
Credit unions participating with the Central Liquidity Facility must provide information the Facility needs to determine creditworthiness under Part 725; this information collection is being renewed and has an estimated total annual burden of 119 hours. The CLF's stated purpose is to meet credit unions' liquidity needs and improve financial stability.
Supervisory Stress Test Data for $10B+ Credit Unions
Credit unions with $10 billion or more in assets are subject to supervisory stress-testing rules in 12 CFR part 702 subpart C: Tier I = $10B to under $15B, Tier II = $15B to under $20B, Tier III = $20B or more. Tier II and III must conduct supervisory stress tests, NCUA may run its own tests, and covered credit unions must provide any requested qualitative or quantitative information; the collection's estimated total annual burden is 224 hours.
Rules on Credit Union Property Use
Federal credit unions must follow occupancy, planning, and disposal rules for acquired and abandoned premises under 12 CFR 701.36, may be prohibited from certain transactions, and can request waivers. The paperwork renewal estimates a total annual respondent burden of 160 hours for this information collection.
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