Data
Quarter · cycle date March 31, 2020

Q1 2020

✓ Quorum reached

Coverage

Filed, of expected
Filings held
Due
Rates at March 31, 2020 0.1% fed funds · 2-year 0.2% · 10-year 0.7%

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.

Q1 2020: each measure's statistic by peer group
MeasureAll FICUs 5,195 of 5,236<$10M 1,291 of 1,315$10M–$50M 1,614 of 1,626$50M–$100M 672 of 674$100M–$500M 1,023 of 1,025$500M–$1B 253 of 253$1B–$10B 331 of 332>$10B 11 of 11
Asset quality
Delinquent Loans / Total Loans Ratio of sums0.63% —1.72% —0.99% —0.76% —0.67% —0.61% —0.50% —0.94% —
Net Charge-Offs / Average Loans Ratio of sums0.58% —0.63% —0.43% —0.44% —0.46% —0.48% —0.45% —1.14% —
Provision for Loan/Lease Losses or Credit Loss Expense / Average Assets Ratio of sums0.53% —0.49% —0.23% —0.25% —0.33% —0.39% —0.43% —1.15% —
Capital
Net Worth / Total Assets for Prompt Corrective Action Ratio of sums11.1% —16.3% —13.0% —12.1% —11.3% —11.1% —11.0% —10.6% —
Net Worth / Total Assets excluding CECL Transition Provision Ratio of sums11.0% —16.3% —13.0% —12.1% —11.3% —11.0% —10.9% —10.5% —
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL Ratio of sums11.6% —16.9% —13.4% —12.5% —11.7% —11.5% —11.4% —11.4% —
GAAP Equity / Total Assets Ratio of sums11.0% —16.3% —12.9% —12.0% —11.2% —11.0% —10.9% —10.7% —
Liquidity and balance sheet
Cash + Short-Term Investments / Assets Ratio of sums15.1% —33.8% —26.7% —22.9% —17.4% —14.2% —13.8% —14.2% —
Total Loans / Total Shares Ratio of sums81.1% —60.0% —59.9% —64.6% —74.8% —80.8% —84.3% —83.7% —
Total Loans / Total Assets Ratio of sums68.1% —50.0% —51.9% —56.2% —65.0% —69.0% —71.1% —66.4% —
Borrowings / Total Shares & Net Worth Ratio of sums4.2% —0.1% —0.1% —0.4% —1.2% —2.8% —3.8% —9.8% —
Earnings, annualized
Return on Average Assets (ROAA) Ratio of sums0.53% —(0.04%) —0.39% —0.43% —0.43% —0.42% —0.61% —0.48% —
Net Interest Margin / Average Assets Ratio of sums2.9% —3.6% —3.3% —3.2% —3.2% —3.0% —2.7% —3.2% —
Yield on Average Loans Ratio of sums4.9% —6.3% —5.6% —5.3% —5.0% —4.8% —4.6% —5.7% —
Cost of Funds / Average Assets Ratio of sums0.86% —0.44% —0.45% —0.49% —0.63% —0.73% —0.91% —1.10% —
Fee & Other Operating Income / Average Assets Ratio of sums1.28% —0.66% —0.95% —1.18% —1.35% —1.36% —1.28% —1.22% —
Non-Interest Expense / Average Assets Ratio of sums3.2% —3.8% —3.7% —3.7% —3.8% —3.6% —3.0% —2.8% —
Non-Interest Expense / Gross Income Ratio of sums62.2% —81.6% —78.1% —76.4% —73.3% —70.3% —60.5% —50.0% —
Growth, annualized year to date
Asset Growth (Annualized) Ratio of sums19.2% —6.6% —11.1% —12.7% —14.3% —14.7% —17.7% —32.0% —
Loan Growth (Annualized) Ratio of sums4.0% —(9.5%) —(5.2%) —(3.2%) —(0.1%) —1.1% —4.6% —9.0% —
Share Growth (Annualized) Ratio of sums17.9% —8.1% —12.6% —14.2% —15.8% —15.8% —17.9% —22.8% —
Net Worth Growth (Annualized) Ratio of sums5.9% —0.0% —3.0% —3.7% —4.2% —4.0% —6.0% —8.8% —
Membership Growth (Annualized) Ratio of sums4.39% —(2.10%) —(0.78%) —(0.78%) —0.39% —2.41% —4.94% —10.95% —
Totals, summed
Total Assets Sum$1.64T —$5.39B —$41.14B —$48.45B —$228.24B —$175.75B —$829.12B —$310.33B —
Total Loans Sum$1.12T —$2.70B —$21.33B —$27.23B —$148.40B —$121.20B —$589.71B —$205.94B —
Total Shares and Deposits Sum$1.38T —$4.49B —$35.60B —$42.16B —$198.31B —$150.00B —$699.59B —$245.94B —
Net Worth Sum$180.42B —$879.0M —$5.34B —$5.85B —$25.75B —$19.36B —$90.54B —$32.70B —
Other
Average Loan Balance Ratio of sums15875.0% —7042.1% —8145.7% —10185.4% —13225.1% —15897.9% —17859.4% —16099.6% —
Average Shares Per Member Ratio of sums11339.0% —4528.7% —7544.3% —8625.7% —9803.9% —10890.9% —12550.5% —11701.1% —
Borrowers / Members Ratio of sums58.0% —38.6% —55.5% —54.7% —55.5% —55.4% —59.2% —60.9% —
Delinquent Loans / Assets Ratio of sums0.4% —0.9% —0.5% —0.4% —0.4% —0.4% —0.4% —0.6% —
Delinquent Loans / Net Worth Ratio of sums3.9% —5.3% —4.0% —3.5% —3.9% —3.8% —3.3% —5.9% —
Fixed Assets & Foreclosed Assets / Total Assets Ratio of sums2.1% —0.8% —1.9% —2.4% —2.7% —2.6% —1.9% —1.7% —
Gross Income / Average Assets Ratio of sums5.1% —4.7% —4.7% —4.9% —5.1% —5.1% —4.9% —5.5% —
Members / Full-Time Equivalent Employees Ratio of sums386.8% —400.4% —405.2% —370.7% —337.5% —339.7% —393.9% —472.7% —
Members / Potential Members Ratio of sums3.0% —7.8% —3.0% —2.7% —2.5% —2.8% —3.1% —3.7% —
Net Margin / Average Assets Ratio of sums4.2% —4.3% —4.2% —4.4% —4.5% —4.4% —4.0% —4.4% —
Net Operating Expense / Average Assets Ratio of sums2.6% —3.3% —3.0% —3.0% —3.0% —2.9% —2.5% —2.4% —
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 sums32.3% —76.5% —57.2% —48.3% —39.2% —33.8% —30.7% —24.1% —
Salary And Benefits / Full-Time Equivalent Employee Ratio of sums83675.1% —43303.5% —61936.7% —65315.6% —71993.2% —80333.7% —90608.6% —93788.1% —
Yield on Average Investments Ratio of sums1.5% —1.7% —1.9% —1.8% —1.7% —1.7% —1.4% —1.4% —
‱ basis point: one hundredth of a percentage point — withheld: the group is below quorum Q1 2019 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, Q1 2020 · callseries release v2026.2.27, cut Oct 29, 2026 · peer groups peer-groups.yaml@74abeac

The files for Q1 2020

  • Accounts curated/accounts/quarter=2020Q1/data.parquet callbase
  • Account text curated/accounts_text/quarter=2020Q1/data.parquet callbase
  • Profiles curated/profiles/quarter=2020Q1/data.parquet callbase
  • Quorum, filer by filer index/quorum/quarter=2020Q1/data.parquet callbase
  • Peer aggregates releases/v2026.2.27/peer-quarter.parquet callseries
-- One ratio across every group, Q1 2020, 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 = '2020Q1'
  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.