September 4, 2025
SENT BY USPS MAIL
XXXX
Re: 2025-APP-00014 (Appeal of Response 2025-FOI-199)
Dear XXXX:
On April 2, 2025, you submitted a Freedom of Information Act (FOIA) request (2025-FOI-199) to the National Credit Union Administration (NCUA). You requested a certified copy of the certificate of insurance and a chronological history of the insured status and/or records of insurance termination for XXXX Federal Credit Union (Charter #XXXX).
You previously submitted an identical request on October 30, 2024. The NCUA FOIA Processing Center (FOIA Office) provided a response to you on November 27, 2024, granting your request in part. Four (4) pages representing all records responsive to your request were provided to you, with partial redactions to certain information pursuant to the FOIA exemptions at 5 U.S.C. §552 (b)(6) (Exemption 6) and (b)(8) (Exemption 8). The FOIA Office explained that Exemption 6 protects information about individuals in personnel and medical files, or similar files, when the disclosure of such information would constitute a clearly unwarranted invasion of personal privacy. Exemption 8 protects from disclosure records relating to the examination of banks and other financial institutions by agencies that regulate or supervise them. The FOIA Office also explained that, in determining whether to withhold information, the NCUA determined that the harm from disclosure is reasonably foreseeable.1
By letter of May 7, 2025, the FOIA Office replied to your April 2, 2025 request. Noting that you had previously made an identical request, as a courtesy, the NCUA resent the partially redacted records responsive to your request.
You filed an administrative appeal in an August 7, 2025, correspondence. In your appeal, you indicate that the information you sought was incorrect. You state that in your prior request you erroneously requested the insured status information for XXXX Federal Credit Union (Charter #XXXX), operating at XXXX, XXXX, XXXX. You indicate that in your request you had given the wrong address and you are instead seeking the insured status information for XXXX Federal Credit Union, "charter number unknown," but operating at XXXX, XXXX, XXXX, "which is [a credit union branch]" separate from the credit union's "main office in XXXX, XXXX." You state you are seeking information regarding the insured status for the credit union's XXXX branch in 2008.
Upon review, your appeal is untimely. Therefore, the NCUA is administratively closing this matter, as discussed more fully below.
The NCUA's May 7, 2025 letter replying to your duplicative April 2, 2025 request notified you that the agency was resending the responsive records to you only as a courtesy. As the FOIA Office explained in its initial reply of November 27, 2024, if you were not satisfied with the FOIA response, you could administratively appeal the determination to the NCUA within 90 days. You did not file an administrative appeal within that timeframe;2 thus, your appeal rights with respect to the NCUA's initial response have expired.
Please be advised that the responsive records that were already sent to you show that XXXX Federal Credit Union (Charter #XXXX) received approval from the NCUA to change its name to XXXX Federal Credit Union on XXXX, XXXX. The credit union is currently operating under its new name, XXXX Federal Credit Union, with the same charter and insurance number, Charter #XXXX, it had while operating under its former name. In other words, former XXXX Federal Credit Union is the same entity as current XXXX Federal Credit Union. As shown on the Certificate of Insurance that was provided to you, the credit union's original issue date of federal insurance was XXXX, XXXX. The credit union has continued to operate since XXXX and remains in operation today under the same charter and insurance number, with its main office located at XXXX, XXXX, XXXX. While the former XXXX Federal Credit Union appears to have operated a branch located at the XXXX address in the past, that branch is now closed. Regardless, in general, a credit union branch does not have its own individual charter and insurance number. A credit union's main office and branch office both operate under the same charter and insurance number. Accordingly, any branch office of former XXXX Federal Credit Union that was in operation in 2008 would have the same insurance status as its main office.
For further assistance, you may contact the agency FOIA Public Liaison by mail at 1775 Duke Street, Alexandria, VA 22314; by phone at 703.518.1570; or by e-mail at FOIA@ncua.gov.
Sincerely,
/s/
Frank Kressman
General Counsel
GC/PY
2025-APP-00014; 2025-FOI-199
Footnotes
1 5 U.S.C. § 552(a)(8)(A)(i).
2 Although you did not administratively appeal the NCUA's initial FOIA response, you filed a Complaint in the United States District Court for the District of Columbia dated XXXX, 2024, shortly after you received the initial response. See XXXX v. NCUA, XXXX, (D.D.C. XXXX, 2024). That litigation is ongoing.