Quarter · cycle date September 30, 2020

Q3 2020

✓ Quorum reached

Coverage

Filed, of expected

Filings held

Due

Rates at September 30, 2020 0.1% fed funds · 2-year 0.1% · 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 Q3 2019 appears below each value.

The change compares Q3 2020’s members with Q3 2019’s, because credit unions are grouped by their assets in each quarter.

Q3 2020: each measure's statistic by peer group, with its change on Q3 2019
Measure	All FICUs 5,133 of 5,165	<$10M 1,198 of 1,219	$10M–$50M 1,562 of 1,571	$50M–$100M 674 of 674	$100M–$500M 1,063 of 1,065	$500M–$1B 272 of 272	$1B–$10B 350 of 350	>$10B 14 of 14	NCUA Peer 1: <$2M Withheld · 366 of 376	NCUA Peer 2: $2M–$10M 832 of 843	NCUA Peer 3: $10M–$50M 1,562 of 1,571	NCUA Peer 4: $50M–$100M 674 of 674	NCUA Peer 5: $100M–$500M 1,063 of 1,065	NCUA Peer 6: >$500M 636 of 636
Asset quality
Delinquent Loans / Total Loans Ratio of sums	0.54% (12‱) down	1.57% (19‱) down	0.86% (13‱) down	0.70% (11‱) down	0.57% (14‱) down	0.56% (9‱) down	0.45% (7‱) down	0.70% (26‱) down	— withheld	1.46% (20‱) down	0.86% (13‱) down	0.70% (11‱) down	0.57% (14‱) down	0.53% (11‱) down
Net Charge-Offs / Average Loans Ratio of sums	0.48% —	0.56% —	0.37% —	0.37% —	0.37% —	0.40% —	0.35% —	0.95% —	— withheld	0.55% —	0.37% —	0.37% —	0.37% —	0.50% —
Provision for Loan/Lease Losses or Credit Loss Expense / Average Assets Ratio of sums	0.57% —	0.29% —	0.18% —	0.21% —	0.29% —	0.39% —	0.45% —	1.23% —	— withheld	0.29% —	0.18% —	0.21% —	0.29% —	0.64% —
Capital
Net Worth / Total Assets for Prompt Corrective Action Ratio of sums	10.5% (90‱) down	15.7% (57‱) down	12.3% (87‱) down	11.6% (67‱) down	10.7% (87‱) down	10.4% (91‱) down	10.5% (84‱) down	10.1% (96‱) down	— withheld	15.6% (55‱) down	12.3% (87‱) down	11.6% (67‱) down	10.7% (87‱) down	10.4% (89‱) down
Net Worth / Total Assets excluding CECL Transition Provision Ratio of sums	10.4% (94‱) down	15.7% (58‱) down	12.3% (89‱) down	11.5% (72‱) down	10.6% (91‱) down	10.3% (98‱) down	10.4% (87‱) down	10.0% (100‱) down	— withheld	15.6% (57‱) down	12.3% (89‱) down	11.5% (72‱) down	10.6% (91‱) down	10.3% (93‱) down
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL Ratio of sums	11.1% (86‱) down	16.3% (62‱) down	12.7% (94‱) down	11.9% (76‱) down	11.1% (95‱) down	10.8% (98‱) down	11.0% (82‱) down	11.1% (76‱) down	— withheld	16.1% (61‱) down	12.7% (94‱) down	11.9% (76‱) down	11.1% (95‱) down	11.0% (83‱) down
GAAP Equity / Total Assets Ratio of sums	10.5% (77‱) down	15.7% (62‱) down	12.3% (84‱) down	11.4% (67‱) down	10.6% (78‱) down	10.3% (86‱) down	10.5% (70‱) down	10.2% (78‱) down	— withheld	15.5% (60‱) down	12.3% (84‱) down	11.4% (67‱) down	10.6% (78‱) down	10.4% (75‱) down
Liquidity and balance sheet
Cash + Short-Term Investments / Assets Ratio of sums	17.2% 455‱ up	38.6% 804‱ up	31.3% 772‱ up	26.6% 707‱ up	20.2% 571‱ up	15.9% 383‱ up	16.0% 445‱ up	15.8% 450‱ up	— withheld	38.0% 810‱ up	31.3% 772‱ up	26.6% 707‱ up	20.2% 571‱ up	15.9% 436‱ up
Total Loans / Total Shares Ratio of sums	75.6% (850‱) down	55.0% (794‱) down	54.4% (844‱) down	59.8% (818‱) down	69.3% (918‱) down	76.6% (789‱) down	78.1% (923‱) down	77.8% (844‱) down	— withheld	55.2% (792‱) down	54.4% (844‱) down	59.8% (818‱) down	69.3% (918‱) down	77.9% (884‱) down
Total Loans / Total Assets Ratio of sums	64.7% (596‱) down	46.1% (626‱) down	47.4% (672‱) down	52.4% (660‱) down	60.8% (707‱) down	66.1% (571‱) down	66.9% (663‱) down	64.9% (435‱) down	— withheld	46.3% (625‱) down	47.4% (672‱) down	52.4% (660‱) down	60.8% (707‱) down	66.3% (602‱) down
Borrowings / Total Shares & Net Worth Ratio of sums	2.9% (89‱) down	0.1% 2‱ flat	0.1% (10‱) down	0.4% (5‱) down	0.9% (41‱) down	2.5% (36‱) down	2.8% (82‱) down	5.2% (292‱) down	— withheld	0.1% 2‱ flat	0.1% (10‱) down	0.4% (5‱) down	0.9% (41‱) down	3.4% (114‱) down
Earnings, annualized
Return on Average Assets (ROAA) Ratio of sums	0.66% —	0.14% —	0.41% —	0.49% —	0.51% —	0.56% —	0.78% —	0.55% —	— withheld	0.15% —	0.41% —	0.49% —	0.51% —	0.69% —
Net Interest Margin / Average Assets Ratio of sums	2.9% —	3.3% —	3.1% —	3.0% —	3.0% —	2.9% —	2.7% —	3.2% —	— withheld	3.3% —	3.1% —	3.0% —	3.0% —	2.8% —
Yield on Average Loans Ratio of sums	4.7% —	6.2% —	5.5% —	5.2% —	4.9% —	4.7% —	4.4% —	5.4% —	— withheld	6.2% —	5.5% —	5.2% —	4.9% —	4.7% —
Cost of Funds / Average Assets Ratio of sums	0.74% —	0.41% —	0.41% —	0.43% —	0.54% —	0.64% —	0.77% —	0.94% —	— withheld	0.42% —	0.41% —	0.43% —	0.54% —	0.80% —
Fee & Other Operating Income / Average Assets Ratio of sums	1.30% —	0.57% —	0.90% —	1.15% —	1.33% —	1.37% —	1.34% —	1.22% —	— withheld	0.58% —	0.90% —	1.15% —	1.33% —	1.31% —
Non-Interest Expense / Average Assets Ratio of sums	3.0% —	3.6% —	3.4% —	3.5% —	3.5% —	3.4% —	2.9% —	2.7% —	— withheld	3.6% —	3.4% —	3.5% —	3.5% —	2.9% —
Non-Interest Expense / Gross Income Ratio of sums	61.5% 262‱ up	83.2% 452‱ up	78.5% 386‱ up	76.4% 342‱ up	73.2% 396‱ up	69.6% 319‱ up	59.8% 242‱ up	50.8% 572‱ up	— withheld	82.7% 489‱ up	78.5% 386‱ up	76.4% 342‱ up	73.2% 396‱ up	58.7% 290‱ up
Growth, annualized year to date
Asset Growth (Annualized) Ratio of sums	19.2% —	10.0% —	14.9% —	16.5% —	17.6% —	18.2% —	19.7% —	20.9% —	— withheld	10.2% —	14.9% —	16.5% —	17.6% —	19.8% —
Loan Growth (Annualized) Ratio of sums	6.2% —	(6.6%) —	(1.6%) —	1.6% —	4.4% —	6.3% —	7.0% —	6.9% —	— withheld	(6.2%) —	(1.6%) —	1.6% —	4.4% —	6.9% —
Share Growth (Annualized) Ratio of sums	21.6% —	11.8% —	16.7% —	18.1% —	19.3% —	20.0% —	21.9% —	24.6% —	— withheld	12.0% —	16.7% —	18.1% —	19.3% —	22.3% —
Net Worth Growth (Annualized) Ratio of sums	6.8% —	0.9% —	3.4% —	4.5% —	5.1% —	5.7% —	7.9% —	6.8% —	— withheld	1.0% —	3.4% —	4.5% —	5.1% —	7.3% —
Membership Growth (Annualized) Ratio of sums	4.33% —	(2.19%) —	(0.66%) —	(0.55%) —	1.81% —	2.31% —	4.58% —	9.15% —	— withheld	(1.99%) —	(0.66%) —	(0.55%) —	1.81% —	5.40% —
Totals, summed
Total Assets Sum	$1.79T 16.1% up	$4.98B (10.9%) down	$40.10B (3.9%) down	$48.36B (1.1%) down	$235.88B 4.8% up	$191.04B 6.6% up	$901.30B 17.9% up	$365.29B 33.6% up	— withheld	$4.66B (10.8%) down	$40.10B (3.9%) down	$48.36B (1.1%) down	$235.88B 4.8% up	$1.46T 19.7% up
Total Loans Sum	$1.16T 6.3% up	$2.30B (21.5%) down	$19.01B (15.8%) down	$25.33B (12.2%) down	$143.33B (6.1%) down	$126.23B (1.9%) down	$602.56B 7.3% up	$237.00B 25.2% up	— withheld	$2.16B (21.4%) down	$19.01B (15.8%) down	$25.33B (12.2%) down	$143.33B (6.1%) down	$965.79B 9.8% up
Total Shares and Deposits Sum	$1.53T 18.3% up	$4.17B (10.2%) down	$34.95B (2.7%) down	$42.33B (0.2%) down	$206.73B 6.3% up	$164.68B 8.2% up	$771.34B 19.9% up	$304.46B 38.7% up	— withheld	$3.91B (10.2%) down	$34.95B (2.7%) down	$42.33B (0.2%) down	$206.73B 6.3% up	$1.24T 22.2% up
Net Worth Sum	$186.56B 6.5% up	$783.2M (14.1%) down	$4.93B (10.4%) down	$5.56B (7.0%) down	$25.12B (3.5%) down	$19.69B (2.8%) down	$93.94B 8.7% up	$36.53B 21.5% up	— withheld	$724.0M (14.1%) down	$4.93B (10.4%) down	$5.56B (7.0%) down	$25.12B (3.5%) down	$150.17B 9.8% up
Other
Average Loan Balance Ratio of sums	16292.5% 76,641‱ up	6971.3% (26,600‱) down	7730.1% (78,968‱) down	9294.9% (99,747‱) down	13212.6% (20,376‱) down	16636.0% 138,972‱ up	18721.5% 134,815‱ up	16010.6% 21,567‱ up	— withheld	7117.2% (41,923‱) down	7730.1% (78,968‱) down	9294.9% (99,747‱) down	13212.6% (20,376‱) down	17696.2% 102,173‱ up
Average Shares Per Member Ratio of sums	12355.4% 154,585‱ up	4792.1% 34,006‱ up	8136.5% 90,046‱ up	9397.6% 116,447‱ up	10671.4% 128,442‱ up	11720.2% 138,052‱ up	13760.8% 176,367‱ up	12388.1% 104,222‱ up	— withheld	5102.4% 35,165‱ up	8136.5% 90,046‱ up	9397.6% 116,447‱ up	10671.4% 128,442‱ up	13101.7% 152,647‱ up
Borrowers / Members Ratio of sums	57.3% (122‱) down	37.8% (91‱) down	57.3% 389‱ up	60.5% 609‱ up	56.0% 107‱ up	54.0% (333‱) down	57.4% (290‱) down	60.2% (175‱) down	— withheld	39.6% (22‱) down	57.3% 389‱ up	60.5% 609‱ up	56.0% 107‱ up	57.6% (254‱) down
Delinquent Loans / Assets Ratio of sums	0.4% (12‱) down	0.7% (20‱) down	0.4% (13‱) down	0.4% (11‱) down	0.3% (14‱) down	0.4% (10‱) down	0.3% (8‱) down	0.5% (21‱) down	— withheld	0.7% (19‱) down	0.4% (13‱) down	0.4% (11‱) down	0.3% (14‱) down	0.3% (11‱) down
Delinquent Loans / Net Worth Ratio of sums	3.4% (75‱) down	4.6% (104‱) down	3.3% (74‱) down	3.2% (72‱) down	3.3% (93‱) down	3.6% (56‱) down	2.9% (52‱) down	4.6% (152‱) down	— withheld	4.4% (105‱) down	3.3% (74‱) down	3.2% (72‱) down	3.3% (93‱) down	3.4% (72‱) down
Fixed Assets & Foreclosed Assets / Total Assets Ratio of sums	1.9% (16‱) down	0.6% (11‱) down	1.7% (24‱) down	2.3% (20‱) down	2.5% (23‱) down	2.4% (17‱) down	1.8% (14‱) down	1.7% (6‱) down	— withheld	0.6% (12‱) down	1.7% (24‱) down	2.3% (20‱) down	2.5% (23‱) down	1.8% (13‱) down
Gross Income / Average Assets Ratio of sums	4.9% —	4.3% —	4.4% —	4.6% —	4.8% —	4.9% —	4.8% —	5.3% —	— withheld	4.3% —	4.4% —	4.6% —	4.8% —	5.0% —
Members / Full-Time Equivalent Employees Ratio of sums	397.2% 954‱ up	400.3% 396‱ up	418.7% 1,317‱ up	380.2% 1,358‱ up	347.7% 790‱ up	350.8% 653‱ up	395.9% (37‱) down	493.3% 1,464‱ up	— withheld	404.2% 235‱ up	418.7% 1,317‱ up	380.2% 1,358‱ up	347.7% 790‱ up	409.1% 773‱ up
Members / Potential Members Ratio of sums	3.0% (3‱) down	6.9% (98‱) down	3.0% 11‱ up	2.6% (17‱) down	2.4% (28‱) down	2.8% (10‱) down	3.0% (15‱) down	4.1% 70‱ up	— withheld	7.8% (7‱) down	3.0% 11‱ up	2.6% (17‱) down	2.4% (28‱) down	3.2% 3‱ up
Net Margin / Average Assets Ratio of sums	4.2% —	3.9% —	4.0% —	4.2% —	4.3% —	4.3% —	4.0% —	4.4% —	— withheld	3.9% —	4.0% —	4.2% —	4.3% —	4.2% —
Net Operating Expense / Average Assets Ratio of sums	2.5% —	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% (2‱) 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% (2‱) 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	34.5% 161‱ up	77.7% 128‱ up	59.0% 150‱ up	50.6% 250‱ up	41.4% 266‱ up	35.8% 242‱ up	32.9% 174‱ up	27.8% 260‱ up	— withheld	76.7% 124‱ up	59.0% 150‱ up	50.6% 250‱ up	41.4% 266‱ up	32.0% 186‱ up
Salary And Benefits / Full-Time Equivalent Employee Ratio of sums	85206.9% 568,902‱ up	41928.9% (4,827‱) down	61691.5% 265,260‱ up	65700.3% 305,817‱ up	72400.2% 364,357‱ up	81489.3% 439,598‱ up	91726.0% 519,921‱ up	95363.6% 598,675‱ up	— withheld	45140.1% 10,987‱ up	61691.5% 265,260‱ up	65700.3% 305,817‱ up	72400.2% 364,357‱ up	90737.5% 552,995‱ up
Yield on Average Investments Ratio of sums	1.4% —	1.4% —	1.6% —	1.5% —	1.4% —	1.4% —	1.4% —	1.5% —	— withheld	1.4% —	1.6% —	1.5% —	1.4% —	1.4% —

↑ ↓ against Q3 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 Q3 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, Q3 2019 and Q3 2020 · callseries release v2026.2.27, cut Oct 29, 2026 · peer groups peer-groups.yaml@74abeac

The files for Q3 2020

Accounts curated/accounts/quarter=2020Q3/data.parquet callbase
Account text curated/accounts_text/quarter=2020Q3/data.parquet callbase
Profiles curated/profiles/quarter=2020Q3/data.parquet callbase
Quorum, filer by filer index/quorum/quarter=2020Q3/data.parquet callbase
Peer aggregates releases/v2026.2.27/peer-quarter.parquet callseries

-- One ratio across every group, Q3 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 = '2020Q3'
  AND measure = 'delinquent_loans_to_total_loans'
ORDER BY peer_group;

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