Here I was, embarrassed last week to admit that I bounced a check last year, and come to find out one in seven of you don’t turn your 5300 Call Reports in on time.

And last quarter wasn’t just a case of CFPB mortgage reg prep or time-consuming budgeting season, either. The letter to federally insured credit unions from NCUA Chairman Debbie Matz said a large percentage of late filers last quarter were chronically late, repeatedly filing after deadline.

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