Quarter · cycle date June 30, 2020

Q2 2020

✓ Quorum reached

Coverage

Filed, of expected

Filings held

Due

Rates at June 30, 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. The change from Q2 2019 appears below each value.

The change compares Q2 2020’s members with Q2 2019’s, because credit unions are grouped by their assets in each quarter.

Q2 2020: each measure's statistic by peer group, with its change on Q2 2019
Measure	All FICUs 5,164 of 5,195	<$10M 1,231 of 1,247	$10M–$50M 1,580 of 1,590	$50M–$100M 665 of 667	$100M–$500M 1,061 of 1,063	$500M–$1B 270 of 271	$1B–$10B 343 of 343	>$10B 14 of 14	NCUA Peer 1: <$2M Withheld · 377 of 382	NCUA Peer 2: $2M–$10M 854 of 865	NCUA Peer 3: $10M–$50M 1,580 of 1,590	NCUA Peer 4: $50M–$100M 665 of 667	NCUA Peer 5: $100M–$500M 1,061 of 1,063	NCUA Peer 6: >$500M 627 of 628
Asset quality
Delinquent Loans / Total Loans Ratio of sums	0.58% (5‱) down	1.69% (9‱) down	0.89% (4‱) down	0.75% (6‱) down	0.62% (7‱) down	0.60% 0‱ flat	0.49% (1‱) flat	0.71% (19‱) down	— withheld	1.58% (10‱) down	0.89% (4‱) down	0.75% (6‱) down	0.62% (7‱) down	0.56% (4‱) down
Net Charge-Offs / Average Loans Ratio of sums	0.53% —	0.54% —	0.39% —	0.41% —	0.41% —	0.44% —	0.39% —	1.04% —	— withheld	0.53% —	0.39% —	0.41% —	0.41% —	0.56% —
Provision for Loan/Lease Losses or Credit Loss Expense / Average Assets Ratio of sums	0.59% —	0.26% —	0.20% —	0.24% —	0.31% —	0.41% —	0.47% —	1.23% —	— withheld	0.26% —	0.20% —	0.24% —	0.31% —	0.66% —
Capital
Net Worth / Total Assets for Prompt Corrective Action Ratio of sums	10.6% (75‱) down	15.8% (22‱) down	12.4% (62‱) down	11.6% (43‱) down	10.7% (65‱) down	10.4% (80‱) down	10.5% (71‱) down	10.2% (85‱) down	— withheld	15.7% (19‱) down	12.4% (62‱) down	11.6% (43‱) down	10.7% (65‱) down	10.4% (76‱) down
Net Worth / Total Assets excluding CECL Transition Provision Ratio of sums	10.5% (81‱) down	15.8% (25‱) down	12.3% (66‱) down	11.5% (50‱) down	10.7% (71‱) down	10.3% (89‱) down	10.4% (76‱) down	10.1% (90‱) down	— withheld	15.6% (22‱) down	12.3% (66‱) down	11.5% (50‱) down	10.7% (71‱) down	10.3% (82‱) down
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL Ratio of sums	11.0% (77‱) down	16.4% (28‱) down	12.7% (69‱) down	11.9% (52‱) down	11.1% (76‱) down	10.8% (90‱) down	10.9% (74‱) down	11.1% (78‱) down	— withheld	16.2% (26‱) down	12.7% (69‱) down	11.9% (52‱) down	11.1% (76‱) down	10.9% (77‱) down
GAAP Equity / Total Assets Ratio of sums	10.5% (60‱) down	15.8% (24‱) down	12.3% (60‱) down	11.4% (40‱) down	10.6% (57‱) down	10.3% (75‱) down	10.5% (54‱) down	10.3% (59‱) down	— withheld	15.6% (21‱) down	12.3% (60‱) down	11.4% (40‱) down	10.6% (57‱) down	10.4% (59‱) down
Liquidity and balance sheet
Cash + Short-Term Investments / Assets Ratio of sums	17.6% 458‱ up	38.2% 758‱ up	31.1% 731‱ up	27.0% 711‱ up	20.7% 568‱ up	16.8% 436‱ up	16.2% 396‱ up	16.4% 566‱ up	— withheld	37.7% 770‱ up	31.1% 731‱ up	27.0% 711‱ up	20.7% 568‱ up	16.3% 440‱ up
Total Loans / Total Shares Ratio of sums	76.3% (707‱) down	55.6% (639‱) down	55.2% (658‱) down	59.9% (690‱) down	69.6% (781‱) down	76.4% (739‱) down	79.0% (753‱) down	79.0% (723‱) down	— withheld	55.8% (641‱) down	55.2% (658‱) down	59.9% (690‱) down	69.6% (781‱) down	78.7% (740‱) down
Total Loans / Total Assets Ratio of sums	65.0% (516‱) down	46.6% (518‱) down	48.0% (526‱) down	52.4% (564‱) down	60.9% (608‱) down	65.8% (541‱) down	67.4% (554‱) down	65.1% (425‱) down	— withheld	46.9% (522‱) down	48.0% (526‱) down	52.4% (564‱) down	60.9% (608‱) down	66.6% (527‱) down
Borrowings / Total Shares & Net Worth Ratio of sums	3.2% (41‱) down	0.2% 1‱ flat	0.1% (7‱) down	0.4% 0‱ flat	1.0% (25‱) down	2.6% (21‱) down	3.1% (36‱) down	6.1% (189‱) down	— withheld	0.2% 2‱ flat	0.1% (7‱) down	0.4% 0‱ flat	1.0% (25‱) down	3.8% (57‱) down
Earnings, annualized
Return on Average Assets (ROAA) Ratio of sums	0.57% —	0.19% —	0.34% —	0.42% —	0.44% —	0.45% —	0.67% —	0.51% —	— withheld	0.20% —	0.34% —	0.42% —	0.44% —	0.60% —
Net Interest Margin / Average Assets Ratio of sums	2.9% —	3.4% —	3.1% —	3.1% —	3.0% —	2.9% —	2.7% —	3.2% —	— withheld	3.4% —	3.1% —	3.1% —	3.0% —	2.9% —
Yield on Average Loans Ratio of sums	4.8% —	6.3% —	5.5% —	5.3% —	4.9% —	4.7% —	4.5% —	5.5% —	— withheld	6.2% —	5.5% —	5.3% —	4.9% —	4.7% —
Cost of Funds / Average Assets Ratio of sums	0.79% —	0.42% —	0.43% —	0.45% —	0.57% —	0.67% —	0.82% —	1.01% —	— withheld	0.43% —	0.43% —	0.45% —	0.57% —	0.85% —
Fee & Other Operating Income / Average Assets Ratio of sums	1.24% —	0.54% —	0.86% —	1.12% —	1.29% —	1.31% —	1.26% —	1.17% —	— withheld	0.56% —	0.86% —	1.12% —	1.29% —	1.25% —
Non-Interest Expense / Average Assets Ratio of sums	3.0% —	3.6% —	3.5% —	3.6% —	3.6% —	3.4% —	2.9% —	2.7% —	— withheld	3.6% —	3.5% —	3.6% —	3.6% —	2.9% —
Non-Interest Expense / Gross Income Ratio of sums	61.8% 268‱ up	82.4% 276‱ up	78.8% 401‱ up	76.7% 351‱ up	73.3% 360‱ up	70.1% 349‱ up	60.1% 236‱ up	50.8% 617‱ up	— withheld	81.8% 309‱ up	78.8% 401‱ up	76.7% 351‱ up	73.3% 360‱ up	58.9% 297‱ up
Growth, annualized year to date
Asset Growth (Annualized) Ratio of sums	23.9% —	13.5% —	19.4% —	21.4% —	22.6% —	23.7% —	23.9% —	26.0% —	— withheld	13.7% —	19.4% —	21.4% —	22.6% —	24.4% —
Loan Growth (Annualized) Ratio of sums	5.8% —	(9.0%) —	(3.4%) —	(0.8%) —	3.3% —	5.6% —	7.1% —	6.2% —	— withheld	(8.6%) —	(3.4%) —	(0.8%) —	3.3% —	6.7% —
Share Growth (Annualized) Ratio of sums	26.6% —	15.9% —	21.8% —	23.7% —	25.0% —	26.1% —	26.6% —	29.0% —	— withheld	16.1% —	21.8% —	23.7% —	25.0% —	27.1% —
Net Worth Growth (Annualized) Ratio of sums	6.1% —	1.3% —	2.8% —	3.8% —	4.5% —	4.7% —	6.8% —	7.0% —	— withheld	1.4% —	2.8% —	3.8% —	4.5% —	6.5% —
Membership Growth (Annualized) Ratio of sums	4.01% —	(2.10%) —	(0.74%) —	(0.74%) —	0.74% —	2.21% —	4.09% —	9.75% —	— withheld	(1.79%) —	(0.74%) —	(0.74%) —	0.74% —	5.25% —
Totals, summed
Total Assets Sum	$1.75T 15.1% up	$5.14B (8.8%) down	$40.70B (3.8%) down	$47.85B (2.3%) down	$235.64B 5.1% up	$190.26B 4.8% up	$872.65B 16.2% up	$356.94B 33.7% up	— withheld	$4.81B (8.7%) down	$40.70B (3.8%) down	$47.85B (2.3%) down	$235.64B 5.1% up	$1.42T 18.4% up
Total Loans Sum	$1.14T 6.6% up	$2.39B (18.0%) down	$19.55B (13.3%) down	$25.07B (11.8%) down	$143.58B (4.4%) down	$125.22B (3.2%) down	$588.43B 7.4% up	$232.44B 25.5% up	— withheld	$2.25B (17.9%) down	$19.55B (13.3%) down	$25.07B (11.8%) down	$143.58B (4.4%) down	$946.10B 9.7% up
Total Shares and Deposits Sum	$1.49T 16.5% up	$4.30B (8.5%) down	$35.45B (3.0%) down	$41.87B (1.6%) down	$206.29B 6.3% up	$163.86B 6.2% up	$744.70B 17.7% up	$294.20B 37.0% up	— withheld	$4.03B (8.4%) down	$35.45B (3.0%) down	$41.87B (1.6%) down	$206.29B 6.3% up	$1.20T 20.0% up
Net Worth Sum	$183.00B 6.8% up	$812.3M (10.3%) down	$5.01B (8.8%) down	$5.49B (6.4%) down	$25.11B (1.5%) down	$19.58B (3.6%) down	$91.02B 8.4% up	$35.98B 22.8% up	— withheld	$750.8M (10.1%) down	$5.01B (8.8%) down	$5.49B (6.4%) down	$25.11B (1.5%) down	$146.58B 9.7% up
Other
Average Loan Balance Ratio of sums	16262.5% 80,622‱ up	7125.4% (7,895‱) down	8108.7% (53,632‱) down	9586.6% (70,828‱) down	13332.0% 2,213‱ up	16452.4% 114,803‱ up	18610.8% 141,127‱ up	15991.2% 7,495‱ up	— withheld	7329.3% (15,058‱) down	8108.7% (53,632‱) down	9586.6% (70,828‱) down	13332.0% 2,213‱ up	17597.0% 99,330‱ up
Average Shares Per Member Ratio of sums	12186.3% 136,888‱ up	4738.7% 29,151‱ up	8054.6% 76,543‱ up	9240.2% 95,904‱ up	10547.8% 111,840‱ up	11717.4% 133,458‱ up	13584.1% 158,276‱ up	12197.7% 84,938‱ up	— withheld	5040.0% 27,313‱ up	8054.6% 76,543‱ up	9240.2% 95,904‱ up	10547.8% 111,840‱ up	12943.3% 136,278‱ up
Borrowers / Members Ratio of sums	57.1% (118‱) down	37.0% (129‱) down	54.8% 274‱ up	57.7% 399‱ up	55.1% 22‱ up	54.4% (243‱) down	57.7% (271‱) down	60.3% (122‱) down	— withheld	38.4% (128‱) down	54.8% 274‱ up	57.7% 399‱ up	55.1% 22‱ up	57.9% (217‱) down
Delinquent Loans / Assets Ratio of sums	0.4% (7‱) down	0.8% (13‱) down	0.4% (7‱) down	0.4% (8‱) down	0.4% (8‱) down	0.4% (4‱) down	0.3% (3‱) down	0.5% (17‱) down	— withheld	0.7% (13‱) down	0.4% (7‱) down	0.4% (8‱) down	0.4% (8‱) down	0.4% (6‱) down
Delinquent Loans / Net Worth Ratio of sums	3.6% (32‱) down	5.0% (75‱) down	3.5% (36‱) down	3.4% (49‱) down	3.5% (52‱) down	3.8% (1‱) flat	3.2% (8‱) down	4.6% (113‱) down	— withheld	4.7% (78‱) down	3.5% (36‱) down	3.4% (49‱) down	3.5% (52‱) down	3.6% (28‱) down
Fixed Assets & Foreclosed Assets / Total Assets Ratio of sums	1.9% (12‱) down	0.7% (9‱) down	1.7% (20‱) down	2.3% (11‱) down	2.5% (16‱) down	2.4% (16‱) down	1.8% (10‱) down	1.7% (2‱) flat	— withheld	0.7% (10‱) down	1.7% (20‱) down	2.3% (11‱) down	2.5% (16‱) down	1.9% (11‱) down
Gross Income / Average Assets Ratio of sums	4.9% —	4.4% —	4.4% —	4.6% —	4.9% —	4.9% —	4.8% —	5.4% —	— withheld	4.4% —	4.4% —	4.6% —	4.9% —	5.0% —
Members / Full-Time Equivalent Employees Ratio of sums	392.4% 567‱ up	402.4% 419‱ up	414.7% 1,064‱ up	378.4% 849‱ up	344.6% 500‱ up	344.8% 261‱ up	393.1% (271‱) down	480.8% 476‱ up	— withheld	407.8% 477‱ up	414.7% 1,064‱ up	378.4% 849‱ up	344.6% 500‱ up	403.7% 392‱ up
Members / Potential Members Ratio of sums	3.0% (1‱) flat	7.9% 3‱ up	3.0% 14‱ up	2.6% (8‱) down	2.5% (22‱) down	2.8% (17‱) down	3.0% (12‱) down	4.0% 70‱ up	— withheld	8.0% 26‱ up	3.0% 14‱ up	2.6% (8‱) down	2.5% (22‱) down	3.2% 4‱ up
Net Margin / Average Assets Ratio of sums	4.1% —	4.0% —	4.0% —	4.2% —	4.3% —	4.3% —	4.0% —	4.3% —	— withheld	4.0% —	4.0% —	4.2% —	4.3% —	4.1% —
Net Operating Expense / Average Assets Ratio of sums	2.6% —	3.2% —	2.9% —	2.9% —	2.9% —	2.8% —	2.4% —	2.4% —	— withheld	3.2% —	2.9% —	2.9% —	2.9% —	2.5% —
Other Non-Performing Assets / Total Assets Ratio of sums	0.0% (1‱) flat	0.0% 0‱ flat	0.0% (1‱) flat	0.0% (1‱) flat	0.0% (2‱) flat	0.0% (1‱) flat	0.0% (1‱) flat	0.0% (1‱) flat	— withheld	0.0% 0‱ flat	0.0% (1‱) flat	0.0% (1‱) flat	0.0% (2‱) flat	0.0% (1‱) flat
Regular Shares / Total Shares & Borrowings Ratio of sums	34.1% (37‱) down	76.9% 62‱ up	58.2% 54‱ up	49.8% 153‱ up	40.8% 160‱ up	35.1% 153‱ up	32.8% 114‱ up	27.0% (515‱) down	— withheld	76.0% 53‱ up	58.2% 54‱ up	49.8% 153‱ up	40.8% 160‱ up	31.7% (40‱) down
Salary And Benefits / Full-Time Equivalent Employee Ratio of sums	84674.7% 527,539‱ up	42069.5% 25,126‱ up	61281.8% 254,058‱ up	65622.3% 328,479‱ up	72233.4% 365,539‱ up	80982.0% 423,560‱ up	91518.6% 461,786‱ up	94123.0% 555,244‱ up	— withheld	45316.7% 34,547‱ up	61281.8% 254,058‱ up	65622.3% 328,479‱ up	72233.4% 365,539‱ up	90229.7% 505,993‱ up
Yield on Average Investments Ratio of sums	1.5% —	1.5% —	1.7% —	1.6% —	1.5% —	1.4% —	1.5% —	1.5% —	— withheld	1.6% —	1.7% —	1.6% —	1.5% —	1.5% —

↑ ↓ against Q2 2019 · → within ±2‱, a sum within ±0.1% ‱ basis point: one hundredth of a percentage point — withheld: the group is below quorum— beneath a figure: no published figure in Q2 2019 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, Q2 2019 and Q2 2020 · callseries release v2026.2.27, cut Oct 29, 2026 · peer groups peer-groups.yaml@74abeac

The files for Q2 2020

Accounts curated/accounts/quarter=2020Q2/data.parquet callbase
Account text curated/accounts_text/quarter=2020Q2/data.parquet callbase
Profiles curated/profiles/quarter=2020Q2/data.parquet callbase
Quorum, filer by filer index/quorum/quarter=2020Q2/data.parquet callbase
Peer aggregates releases/v2026.2.27/peer-quarter.parquet callseries

-- One ratio across every group, Q2 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 = '2020Q2'
  AND measure = 'delinquent_loans_to_total_loans'
ORDER BY peer_group;

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