Net Margin (Interest + Non-Interest Income less Interest Expense)
Row HR1_28 of NCUA's Financial Performance Report: interest income, fee income and other operating income, less interest expense.
net_margin · A figure computed from filed figures
Definition
Two versions. Release v2026.2.27 covers Q1 2019 to Q2 2026, so its figures break at Q1 2021. Why account codes change
- Q1 2021
IS0020replaces659. The series breaks here: a figure before it and one after are not read from the same accounts.
5 accounts, 2 of which a change of definition adds, drops or turns round.
| Account | NCUA's description, on the current form | Version 1until Q4 2020 | Version 2from Q1 2021 |
|---|---|---|---|
115 | Total Interest Income | added | added |
131 | Fee Income | added | added |
IS0020 | Other Operating Income (Includes unconsolidated CUSO Income ) Replaces 659 from Q1 2021 | not read | added |
659 | Not on the current form Replaced by IS0020 from Q1 2021 | added | not read |
350 | Total Interest Expense | subtracted | subtracted |
The callseries expressions
- Version 2, from Q1 2021
a115 + a131 + is0020 - a350- Version 1, until Q4 2020
a115 + a131 + a659 - a350
The form’s account 115 is a115 in an expression and in the release’s files.
The release publishes no peer figures for this measure.
About the series
- Code
net_margin· currency- Coverage
- Q1 2019 to Q2 2026: the cycles 2019-03-31 to 2026-06-30
- Same accounts
- Gross Income also reads
115,131,659andIS0020. - Fee & Other Operating Income also reads
131,659andIS0020. - Net Interest Income also reads
115and350. - Other Operating Income also reads
659andIS0020. - Fee Income also reads
131. - Net Operating Expense (Non-Interest Expense less Fee Income) also reads
131.
2 more
- Total Interest Expense also reads
350. - Total Interest Income also reads
115.
- Gross Income also reads
- Ratios
- Net Margin / Average Assets
net_margin_to_avg_assets
- Net Margin / Average Assets
- How to cite it
- QuarterCall Callseries, series
net_margin, release v2026.2.27.
NCUA’s descriptions are the current Call Report form’s wording.
Source: NCUA Call Report; definitions from the catalogue of release v2026.2.27.
QuarterCall publishes analysis of publicly available NCUA Call Report data. Nothing here is investment, financial, or membership advice.