Data
Quarter · cycle date December 31, 2019

Q4 2019

✓ Quorum reached

Coverage

Filed, of expected
Filings held
Due
Rates at December 31, 2019 1.6% fed funds · 2-year 1.6% · 10-year 1.9%

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.

Q4 2019: each measure's statistic by peer group
MeasureAll FICUs 5,236 of 5,282<$10M Withheld · 1,329 of 1,359$10M–$50M 1,635 of 1,647$50M–$100M 677 of 679$100M–$500M 1,018 of 1,020$500M–$1B 247 of 247$1B–$10B 320 of 320>$10B 10 of 10
Asset quality
Delinquent Loans / Total Loans Ratio of sums0.70% —— withheld1.06% —0.85% —0.75% —0.69% —0.56% —1.03% —
Net Charge-Offs / Average Loans Ratio of sumsn/a — withheldn/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 — withheldn/a n/a n/a n/a n/a n/a
Capital
Net Worth / Total Assets for Prompt Corrective Action Ratio of sums11.4% —— withheld13.2% —12.3% —11.6% —11.3% —11.3% —11.1% —
Net Worth / Total Assets excluding CECL Transition Provision Ratio of sums11.4% —— withheld13.2% —12.3% —11.6% —11.3% —11.3% —11.1% —
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL Ratio of sums11.9% —— withheld13.6% —12.7% —12.0% —11.8% —11.7% —11.9% —
GAAP Equity / Total Assets Ratio of sums11.2% —— withheld13.1% —12.2% —11.4% —11.1% —11.1% —11.0% —
Liquidity and balance sheet
Cash + Short-Term Investments / Assets Ratio of sums12.8% —— withheld24.4% —20.5% —14.9% —12.1% —11.6% —11.6% —
Total Loans / Total Shares Ratio of sums84.0% —— withheld62.6% —67.6% —78.2% —84.2% —87.1% —86.4% —
Total Loans / Total Assets Ratio of sums70.7% —— withheld53.9% —58.6% —67.6% —71.6% —73.5% —69.8% —
Borrowings / Total Shares & Net Worth Ratio of sums3.6% —— withheld0.1% —0.4% —1.2% —2.9% —3.5% —7.4% —
Earnings, annualized
Return on Average Assets (ROAA) Ratio of sumsn/a — withheldn/a n/a n/a n/a n/a n/a
Net Interest Margin / Average Assets Ratio of sumsn/a — withheldn/a n/a n/a n/a n/a n/a
Yield on Average Loans Ratio of sumsn/a — withheldn/a n/a n/a n/a n/a n/a
Cost of Funds / Average Assets Ratio of sumsn/a — withheldn/a n/a n/a n/a n/a n/a
Fee & Other Operating Income / Average Assets Ratio of sumsn/a — withheldn/a n/a n/a n/a n/a n/a
Non-Interest Expense / Average Assets Ratio of sumsn/a — withheldn/a n/a n/a n/a n/a n/a
Non-Interest Expense / Gross Income Ratio of sums59.2% —— withheld75.1% —73.1% —69.8% —67.0% —57.7% —45.4% —
Growth, annualized year to date
Asset Growth (Annualized) Ratio of sumsn/a — withheldn/a n/a n/a n/a n/a n/a
Loan Growth (Annualized) Ratio of sumsn/a — withheldn/a n/a n/a n/a n/a n/a
Share Growth (Annualized) Ratio of sumsn/a — withheldn/a n/a n/a n/a n/a n/a
Net Worth Growth (Annualized) Ratio of sumsn/a — withheldn/a n/a n/a n/a n/a n/a
Membership Growth (Annualized) Ratio of sumsn/a — withheldn/a n/a n/a n/a n/a n/a
Totals, summed
Total Assets Sum$1.57T —— withheld$41.25B —$48.54B —$227.77B —$172.68B —$793.25B —$277.67B —
Total Loans Sum$1.11T —— withheld$22.25B —$28.46B —$154.02B —$123.64B —$582.76B —$193.95B —
Total Shares and Deposits Sum$1.32T —— withheld$35.56B —$42.10B —$197.06B —$146.80B —$669.23B —$224.42B —
Net Worth Sum$178.23B —— withheld$5.45B —$5.98B —$26.37B —$19.47B —$89.32B —$30.74B —
Other
Average Loan Balance Ratio of sums15668.4% —— withheld8345.8% —10250.3% —13300.9% —15546.8% —17592.7% —15885.2% —
Average Shares Per Member Ratio of sums10965.6% —— withheld7276.2% —8361.6% —9464.5% —10568.1% —12146.0% —11456.4% —
Borrowers / Members Ratio of sums58.8% —— withheld54.5% —55.2% —55.6% —57.3% —60.1% —62.3% —
Delinquent Loans / Assets Ratio of sums0.5% —— withheld0.6% —0.5% —0.5% —0.5% —0.4% —0.7% —
Delinquent Loans / Net Worth Ratio of sums4.4% —— withheld4.3% —4.0% —4.4% —4.4% —3.6% —6.5% —
Fixed Assets & Foreclosed Assets / Total Assets Ratio of sums2.1% —— withheld2.0% —2.4% —2.7% —2.6% —1.9% —1.8% —
Gross Income / Average Assets Ratio of sumsn/a — withheldn/a n/a n/a n/a n/a n/a
Members / Full-Time Equivalent Employees Ratio of sums386.0% —— withheld402.6% —364.4% —337.2% —340.6% —395.3% —474.2% —
Members / Potential Members Ratio of sums3.0% —— withheld2.9% —2.6% —2.6% —2.9% —3.1% —3.4% —
Net Margin / Average Assets Ratio of sumsn/a — withheldn/a n/a n/a n/a n/a n/a
Net Operating Expense / Average Assets Ratio of sumsn/a — withheldn/a n/a n/a n/a n/a n/a
Other Non-Performing Assets / Total Assets Ratio of sums0.0% —— withheld0.0% —0.1% —0.1% —0.1% —0.0% —0.0% —
Regular Shares / Total Shares & Borrowings Ratio of sums32.4% —— withheld57.2% —47.8% —38.6% —33.3% —30.7% —24.2% —
Salary And Benefits / Full-Time Equivalent Employee Ratio of sums79753.6% —— withheld59797.1% —63237.3% —69025.3% —77826.8% —86245.3% —89576.9% —
Yield on Average Investments Ratio of sumsn/a — withheldn/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 Q4 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, Q4 2019 · callseries release v2026.2.27, cut Oct 29, 2026 · peer groups peer-groups.yaml@74abeac

The files for Q4 2019

  • Accounts curated/accounts/quarter=2019Q4/data.parquet callbase
  • Account text curated/accounts_text/quarter=2019Q4/data.parquet callbase
  • Profiles curated/profiles/quarter=2019Q4/data.parquet callbase
  • Quorum, filer by filer index/quorum/quarter=2019Q4/data.parquet callbase
  • Peer aggregates releases/v2026.2.27/peer-quarter.parquet callseries
-- One ratio across every group, Q4 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 = '2019Q4'
  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.