Data
Quarter · cycle date September 30, 2019

Q3 2019

✓ Quorum reached

Coverage

Filed, of expected
Filings held
Due
Rates at September 30, 2019 1.9% fed funds · 2-year 1.6% · 10-year 1.7%

Source: callbase manifest, policy floor/1 · rates as release v2026.2.27 records them

The quarter by peer group

Each row names its statistic: the ratio of sums where the release carries one, the median otherwise.

Q3 2019: each measure's statistic by peer group
MeasureAll FICUs 5,281 of 5,309<$10M 1,352 of 1,372$10M–$50M 1,661 of 1,666$50M–$100M 682 of 683$100M–$500M 1,012 of 1,013$500M–$1B 255 of 255$1B–$10B 309 of 310>$10B 10 of 10
Asset quality
Delinquent Loans / Total Loans Ratio of sums0.66% —1.76% —0.99% —0.81% —0.71% —0.66% —0.53% —0.96% —
Net Charge-Offs / Average Loans Ratio of sumsn/a n/a n/a n/a n/a n/a n/a n/a
Provision for Loan/Lease Losses or Credit Loss Expense / Average Assets Ratio of sumsn/a n/a n/a n/a n/a n/a n/a n/a
Capital
Net Worth / Total Assets for Prompt Corrective Action Ratio of sums11.4% —16.3% —13.2% —12.2% —11.6% —11.3% —11.3% —11.0% —
Net Worth / Total Assets excluding CECL Transition Provision Ratio of sums11.4% —16.3% —13.2% —12.2% —11.6% —11.3% —11.3% —11.0% —
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL Ratio of sums11.9% —16.9% —13.6% —12.7% —12.0% —11.8% —11.8% —11.9% —
GAAP Equity / Total Assets Ratio of sums11.3% —16.3% —13.1% —12.1% —11.4% —11.2% —11.2% —11.0% —
Liquidity and balance sheet
Cash + Short-Term Investments / Assets Ratio of sums12.6% —30.6% —23.6% —19.5% —14.5% —12.0% —11.6% —11.2% —
Total Loans / Total Shares Ratio of sums84.1% —62.9% —62.8% —68.0% —78.5% —84.5% —87.4% —86.3% —
Total Loans / Total Assets Ratio of sums70.6% —52.3% —54.1% —59.0% —67.8% —71.8% —73.5% —69.2% —
Borrowings / Total Shares & Net Worth Ratio of sums3.8% —0.1% —0.2% —0.4% —1.3% —2.9% —3.7% —8.1% —
Earnings, annualized
Return on Average Assets (ROAA) Ratio of sumsn/a n/a n/a n/a n/a n/a n/a n/a
Net Interest Margin / Average Assets Ratio of sumsn/a n/a n/a n/a n/a n/a n/a n/a
Yield on Average Loans Ratio of sumsn/a n/a n/a n/a n/a n/a n/a n/a
Cost of Funds / Average Assets Ratio of sumsn/a n/a n/a n/a n/a n/a n/a n/a
Fee & Other Operating Income / Average Assets Ratio of sumsn/a n/a n/a n/a n/a n/a n/a n/a
Non-Interest Expense / Average Assets Ratio of sumsn/a n/a n/a n/a n/a n/a n/a n/a
Non-Interest Expense / Gross Income Ratio of sums58.9% —78.7% —74.7% —73.0% —69.3% —66.4% —57.4% —45.1% —
Growth, annualized year to date
Asset Growth (Annualized) Ratio of sumsn/a n/a n/a n/a n/a n/a n/a n/a
Loan Growth (Annualized) Ratio of sumsn/a n/a n/a n/a n/a n/a n/a n/a
Share Growth (Annualized) Ratio of sumsn/a n/a n/a n/a n/a n/a n/a n/a
Net Worth Growth (Annualized) Ratio of sumsn/a n/a n/a n/a n/a n/a n/a n/a
Membership Growth (Annualized) Ratio of sumsn/a n/a n/a n/a n/a n/a n/a n/a
Totals, summed
Total Assets Sum$1.54T —$5.59B —$41.71B —$48.90B —$225.10B —$179.24B —$764.56B —$273.48B —
Total Loans Sum$1.09T —$2.93B —$22.58B —$28.84B —$152.69B —$128.67B —$561.82B —$189.34B —
Total Shares and Deposits Sum$1.29T —$4.65B —$35.93B —$42.40B —$194.49B —$152.20B —$643.17B —$219.43B —
Net Worth Sum$175.16B —$912.2M —$5.50B —$5.98B —$26.03B —$20.26B —$86.40B —$30.08B —
Other
Average Loan Balance Ratio of sums15526.1% —7237.3% —8519.8% —10292.3% —13416.4% —15246.3% —17373.3% —15794.9% —
Average Shares Per Member Ratio of sums10809.5% —4452.0% —7236.0% —8233.1% —9387.0% —10339.7% —11997.1% —11345.9% —
Borrowers / Members Ratio of sums58.6% —38.7% —53.4% —54.4% —54.9% —57.3% —60.3% —62.0% —
Delinquent Loans / Assets Ratio of sums0.5% —0.9% —0.5% —0.5% —0.5% —0.5% —0.4% —0.7% —
Delinquent Loans / Net Worth Ratio of sums4.1% —5.6% —4.1% —3.9% —4.2% —4.2% —3.4% —6.1% —
Fixed Assets & Foreclosed Assets / Total Assets Ratio of sums2.1% —0.7% —1.9% —2.5% —2.7% —2.6% —1.9% —1.8% —
Gross Income / Average Assets Ratio of sumsn/a n/a n/a n/a n/a n/a n/a n/a
Members / Full-Time Equivalent Employees Ratio of sums387.7% —396.4% —405.5% —366.7% —339.8% —344.3% —396.3% —478.7% —
Members / Potential Members Ratio of sums3.0% —7.9% —2.9% —2.8% —2.7% —2.9% —3.1% —3.4% —
Net Margin / Average Assets Ratio of sumsn/a n/a n/a n/a n/a n/a n/a n/a
Net Operating Expense / Average Assets Ratio of sumsn/a n/a n/a n/a n/a n/a n/a n/a
Other Non-Performing Assets / Total Assets Ratio of sums0.0% —0.0% —0.0% —0.1% —0.1% —0.1% —0.0% —0.0% —
Regular Shares / Total Shares & Borrowings Ratio of sums32.9% —76.4% —57.5% —48.1% —38.8% —33.4% —31.2% —25.2% —
Salary And Benefits / Full-Time Equivalent Employee Ratio of sums79517.9% —41977.2% —59038.9% —62642.1% —68756.6% —77093.3% —86526.8% —89376.9% —
Yield on Average Investments Ratio of sumsn/a n/a n/a n/a n/a n/a n/a n/a
‱ basis point: one hundredth of a percentage point — withheld: the group is below quorumn/a: not in release v2026.2.27 Q3 2018 has no figures in release v2026.2.27 n of N under a group: filed of expected when release v2026.2.27 was cut; Coverage counts callbase’s filings today.

Source: NCUA Call Report data, Q3 2019 · callseries release v2026.2.27, cut Oct 29, 2026 · peer groups peer-groups.yaml@74abeac

The files for Q3 2019

  • Accounts curated/accounts/quarter=2019Q3/data.parquet callbase
  • Account text curated/accounts_text/quarter=2019Q3/data.parquet callbase
  • Profiles curated/profiles/quarter=2019Q3/data.parquet callbase
  • Quorum, filer by filer index/quorum/quarter=2019Q3/data.parquet callbase
  • Peer aggregates releases/v2026.2.27/peer-quarter.parquet callseries
-- One ratio across every group, Q3 2019, with its quorum
SELECT peer_group, ratio_of_sums, median,
       n, expected_n, quorum_status
FROM read_parquet(
  'https://series.quartercall.com/releases/v2026.2.27/peer-quarter.parquet'
)
WHERE quarter = '2019Q3'
  AND measure = 'delinquent_loans_to_total_loans'
ORDER BY peer_group;

QuarterCall publishes analysis of publicly available NCUA Call Report data. Nothing here is investment, financial, or membership advice.