Quarter · cycle date December 31, 2020

Q4 2020

✓ Quorum reached

Coverage

Filed, of expected

Filings held

Due

Rates at December 31, 2020 0.1% fed funds · 2-year 0.1% · 10-year 0.9%

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. The change from Q4 2019 appears below each value.

The change compares Q4 2020’s members with Q4 2019’s, because credit unions are grouped by their assets in each quarter.

Q4 2020: each measure's statistic by peer group, with its change on Q4 2019
Measure	All FICUs 5,099 of 5,134	<$10M 1,159 of 1,181	$10M–$50M 1,541 of 1,547	$50M–$100M 687 of 688	$100M–$500M 1,063 of 1,068	$500M–$1B 279 of 279	$1B–$10B 354 of 355	>$10B 16 of 16	NCUA Peer 1: <$2M Withheld · 354 of 364	NCUA Peer 2: $2M–$10M 805 of 817	NCUA Peer 3: $10M–$50M 1,541 of 1,547	NCUA Peer 4: $50M–$100M 687 of 688	NCUA Peer 5: $100M–$500M 1,063 of 1,068	NCUA Peer 6: >$500M 649 of 650
Asset quality
Delinquent Loans / Total Loans Ratio of sums	0.60% (10‱) down	1.67% —	0.95% (12‱) down	0.71% (14‱) down	0.61% (14‱) down	0.59% (10‱) down	0.49% (7‱) down	0.83% (19‱) down	— withheld	1.59% (18‱) down	0.95% (12‱) down	0.71% (14‱) down	0.61% (14‱) down	0.59% (9‱) down
Net Charge-Offs / Average Loans Ratio of sums	0.45% —	0.56% —	0.37% —	0.35% —	0.36% —	0.38% —	0.34% —	0.81% —	— withheld	0.54% —	0.37% —	0.35% —	0.36% —	0.47% —
Provision for Loan/Lease Losses or Credit Loss Expense / Average Assets Ratio of sums	0.50% —	0.29% —	0.17% —	0.20% —	0.26% —	0.36% —	0.42% —	0.98% —	— withheld	0.29% —	0.17% —	0.20% —	0.26% —	0.56% —
Capital
Net Worth / Total Assets for Prompt Corrective Action Ratio of sums	10.4% (101‱) down	15.7% —	12.1% (110‱) down	11.4% (94‱) down	10.5% (109‱) down	10.3% (98‱) down	10.4% (90‱) down	10.0% (111‱) down	— withheld	15.5% (82‱) down	12.1% (110‱) down	11.4% (94‱) down	10.5% (109‱) down	10.3% (97‱) down
Net Worth / Total Assets excluding CECL Transition Provision Ratio of sums	10.3% (105‱) down	15.7% —	12.1% (112‱) down	11.3% (98‱) down	10.4% (114‱) down	10.2% (102‱) down	10.3% (93‱) down	9.9% (116‱) down	— withheld	15.5% (83‱) down	12.1% (112‱) down	11.3% (98‱) down	10.4% (114‱) down	10.2% (101‱) down
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL Ratio of sums	10.9% (97‱) down	16.3% —	12.5% (117‱) down	11.7% (103‱) down	10.9% (118‱) down	10.8% (101‱) down	10.9% (86‱) down	11.0% (97‱) down	— withheld	16.0% (86‱) down	12.5% (117‱) down	11.7% (103‱) down	10.9% (118‱) down	10.9% (90‱) down
GAAP Equity / Total Assets Ratio of sums	10.3% (89‱) down	15.6% —	12.0% (108‱) down	11.3% (93‱) down	10.3% (102‱) down	10.2% (89‱) down	10.3% (78‱) down	10.0% (94‱) down	— withheld	15.4% (86‱) down	12.0% (108‱) down	11.3% (93‱) down	10.3% (102‱) down	10.2% (84‱) down
Liquidity and balance sheet
Cash + Short-Term Investments / Assets Ratio of sums	18.4% 558‱ up	39.5% —	32.7% 826‱ up	27.5% 706‱ up	21.3% 636‱ up	17.0% 492‱ up	17.2% 557‱ up	17.4% 578‱ up	— withheld	38.8% 813‱ up	32.7% 826‱ up	27.5% 706‱ up	21.3% 636‱ up	17.2% 554‱ up
Total Loans / Total Shares Ratio of sums	73.2% (1,072‱) down	54.0% —	52.7% (988‱) down	58.4% (924‱) down	67.3% (1,083‱) down	75.0% (927‱) down	76.2% (1,090‱) down	73.4% (1,307‱) down	— withheld	54.1% (866‱) down	52.7% (988‱) down	58.4% (924‱) down	67.3% (1,083‱) down	75.3% (1,125‱) down
Total Loans / Total Assets Ratio of sums	63.0% (769‱) down	45.2% —	46.0% (790‱) down	51.2% (741‱) down	59.3% (836‱) down	65.0% (661‱) down	65.5% (792‱) down	61.9% (798‱) down	— withheld	45.5% (675‱) down	46.0% (790‱) down	51.2% (741‱) down	59.3% (836‱) down	64.5% (789‱) down
Borrowings / Total Shares & Net Worth Ratio of sums	2.5% (105‱) down	0.1% —	0.1% (6‱) down	0.3% (6‱) down	0.8% (46‱) down	2.2% (73‱) down	2.5% (97‱) down	4.3% (312‱) down	— withheld	0.1% 3‱ up	0.1% (6‱) down	0.3% (6‱) down	0.8% (46‱) down	3.0% (133‱) down
Earnings, annualized
Return on Average Assets (ROAA) Ratio of sums	0.70% —	0.06% —	0.35% —	0.46% —	0.53% —	0.61% —	0.81% —	0.68% —	— withheld	0.07% —	0.35% —	0.46% —	0.53% —	0.75% —
Net Interest Margin / Average Assets Ratio of sums	2.8% —	3.2% —	3.0% —	3.0% —	2.9% —	2.9% —	2.7% —	3.0% —	— withheld	3.2% —	3.0% —	3.0% —	2.9% —	2.8% —
Yield on Average Loans Ratio of sums	4.7% —	6.3% —	5.5% —	5.2% —	4.8% —	4.7% —	4.4% —	5.2% —	— withheld	6.2% —	5.5% —	5.2% —	4.8% —	4.7% —
Cost of Funds / Average Assets Ratio of sums	0.71% —	0.43% —	0.39% —	0.41% —	0.51% —	0.60% —	0.73% —	0.90% —	— withheld	0.43% —	0.39% —	0.41% —	0.51% —	0.76% —
Fee & Other Operating Income / Average Assets Ratio of sums	1.32% —	0.56% —	0.90% —	1.13% —	1.34% —	1.40% —	1.38% —	1.20% —	— withheld	0.57% —	0.90% —	1.13% —	1.34% —	1.34% —
Non-Interest Expense / Average Assets Ratio of sums	3.0% —	3.6% —	3.4% —	3.5% —	3.5% —	3.4% —	2.9% —	2.6% —	— withheld	3.6% —	3.4% —	3.5% —	3.5% —	2.9% —
Non-Interest Expense / Gross Income Ratio of sums	62.0% 282‱ up	85.0% —	80.0% 489‱ up	77.2% 411‱ up	73.7% 394‱ up	69.8% 278‱ up	60.4% 270‱ up	51.7% 627‱ up	— withheld	84.7% 591‱ up	80.0% 489‱ up	77.2% 411‱ up	73.7% 394‱ up	59.2% 317‱ up
Growth, annualized year to date
Asset Growth (Annualized) Ratio of sums	18.2% —	8.5% —	14.0% —	15.5% —	16.9% —	17.1% —	18.8% —	18.9% —	— withheld	8.7% —	14.0% —	15.5% —	16.9% —	18.6% —
Loan Growth (Annualized) Ratio of sums	5.4% —	(5.6%) —	(1.2%) —	1.9% —	4.2% —	6.0% —	6.2% —	4.7% —	— withheld	(5.3%) —	(1.2%) —	1.9% —	4.2% —	5.8% —
Share Growth (Annualized) Ratio of sums	20.8% —	10.2% —	15.7% —	17.2% —	18.7% —	19.2% —	21.1% —	23.3% —	— withheld	10.4% —	15.7% —	17.2% —	18.7% —	21.4% —
Net Worth Growth (Annualized) Ratio of sums	7.3% —	0.2% —	2.8% —	4.1% —	5.4% —	6.3% —	8.2% —	7.8% —	— withheld	0.4% —	2.8% —	4.1% —	5.4% —	7.9% —
Membership Growth (Annualized) Ratio of sums	3.79% —	(2.09%) —	(1.02%) —	(0.73%) —	0.71% —	2.02% —	3.97% —	8.80% —	— withheld	(2.04%) —	(1.02%) —	(0.73%) —	0.71% —	4.93% —
Totals, summed
Total Assets Sum	$1.84T 17.7% up	$4.80B —	$39.53B (4.2%) down	$49.41B 1.8% up	$237.55B 4.3% up	$197.00B 14.1% up	$919.58B 15.9% up	$396.64B 42.8% up	— withheld	$4.49B (13.4%) down	$39.53B (4.2%) down	$49.41B 1.8% up	$237.55B 4.3% up	$1.51T 21.7% up
Total Loans Sum	$1.16T 4.9% up	$2.17B —	$18.20B (18.2%) down	$25.31B (11.1%) down	$140.77B (8.6%) down	$128.03B 3.5% up	$602.75B 3.4% up	$245.40B 26.5% up	— withheld	$2.04B (24.6%) down	$18.20B (18.2%) down	$25.31B (11.1%) down	$140.77B (8.6%) down	$976.18B 8.4% up
Total Shares and Deposits Sum	$1.59T 20.3% up	$4.03B —	$34.54B (2.9%) down	$43.36B 3.0% up	$209.09B 6.1% up	$170.81B 16.4% up	$791.23B 18.2% up	$334.54B 49.1% up	— withheld	$3.77B (12.5%) down	$34.54B (2.9%) down	$43.36B 3.0% up	$209.09B 6.1% up	$1.30T 24.6% up
Net Worth Sum	$190.37B 6.8% up	$752.3M —	$4.78B (12.3%) down	$5.60B (6.3%) down	$24.80B (5.9%) down	$20.17B 3.6% up	$94.98B 6.3% up	$39.30B 27.8% up	— withheld	$694.7M (17.9%) down	$4.78B (12.3%) down	$5.60B (6.3%) down	$24.80B (5.9%) down	$154.44B 10.7% up
Other
Average Loan Balance Ratio of sums	16179.2% 51,085‱ up	6882.0% —	6963.7% (138,207‱) down	8655.3% (159,504‱) down	12806.6% (49,439‱) down	16695.2% 114,838‱ up	18617.9% 102,529‱ up	16391.9% 50,675‱ up	— withheld	7039.3% (40,835‱) down	6963.7% (138,207‱) down	8655.3% (159,504‱) down	12806.6% (49,439‱) down	17744.2% 84,808‱ up
Average Shares Per Member Ratio of sums	12772.5% 180,686‱ up	4835.2% —	8379.2% 110,308‱ up	9716.2% 135,463‱ up	11094.0% 162,946‱ up	12086.3% 151,820‱ up	14027.1% 188,112‱ up	13122.7% 166,625‱ up	— withheld	5158.7% 41,815‱ up	8379.2% 110,308‱ up	9716.2% 135,463‱ up	11094.0% 162,946‱ up	13501.4% 175,535‱ up
Borrowers / Members Ratio of sums	57.8% (94‱) down	37.9% —	63.4% 885‱ up	65.5% 1,037‱ up	58.3% 271‱ up	54.3% (299‱) down	57.4% (272‱) down	58.7% (360‱) down	— withheld	39.7% (30‱) down	63.4% 885‱ up	65.5% 1,037‱ up	58.3% 271‱ up	57.3% (287‱) down
Delinquent Loans / Assets Ratio of sums	0.4% (12‱) down	0.8% —	0.4% (14‱) down	0.4% (13‱) down	0.4% (15‱) down	0.4% (11‱) down	0.3% (9‱) down	0.5% (20‱) down	— withheld	0.7% (20‱) down	0.4% (14‱) down	0.4% (13‱) down	0.4% (15‱) down	0.4% (11‱) down
Delinquent Loans / Net Worth Ratio of sums	3.7% (70‱) down	4.8% —	3.6% (74‱) down	3.2% (83‱) down	3.4% (94‱) down	3.8% (61‱) down	3.1% (56‱) down	5.2% (126‱) down	— withheld	4.7% (100‱) down	3.6% (74‱) down	3.2% (83‱) down	3.4% (94‱) down	3.7% (66‱) down
Fixed Assets & Foreclosed Assets / Total Assets Ratio of sums	1.9% (22‱) down	0.6% —	1.7% (32‱) down	2.2% (25‱) down	2.4% (31‱) down	2.4% (23‱) down	1.8% (16‱) down	1.6% (16‱) down	— withheld	0.6% (20‱) down	1.7% (32‱) down	2.2% (25‱) down	2.4% (31‱) down	1.8% (18‱) down
Gross Income / Average Assets Ratio of sums	4.9% —	4.2% —	4.3% —	4.5% —	4.8% —	4.9% —	4.8% —	5.1% —	— withheld	4.2% —	4.3% —	4.5% —	4.8% —	4.9% —
Members / Full-Time Equivalent Employees Ratio of sums	396.1% 1,012‱ up	329.2% —	418.6% 1,608‱ up	382.0% 1,760‱ up	344.1% 692‱ up	349.7% 911‱ up	393.3% (197‱) down	498.3% 2,412‱ up	— withheld	324.8% (7,386‱) down	418.6% 1,608‱ up	382.0% 1,760‱ up	344.1% 692‱ up	408.7% 874‱ up
Members / Potential Members Ratio of sums	3.0% (5‱) down	6.6% —	3.0% 9‱ up	2.6% (7‱) down	2.4% (28‱) down	2.8% (13‱) down	3.5% 41‱ up	2.7% (75‱) down	— withheld	7.2% (58‱) down	3.0% 9‱ up	2.6% (7‱) down	2.4% (28‱) down	3.1% 0‱ flat
Net Margin / Average Assets Ratio of sums	4.2% —	3.8% —	3.9% —	4.1% —	4.3% —	4.3% —	4.1% —	4.2% —	— withheld	3.8% —	3.9% —	4.1% —	4.3% —	4.1% —
Net Operating Expense / Average Assets Ratio of sums	2.5% —	3.2% —	2.9% —	2.8% —	2.8% —	2.8% —	2.4% —	2.3% —	— withheld	3.2% —	2.9% —	2.8% —	2.8% —	2.5% —
Other Non-Performing Assets / Total Assets Ratio of sums	0.0% (1‱) flat	0.0% —	0.0% (1‱) flat	0.0% (2‱) flat	0.0% (2‱) flat	0.0% (2‱) flat	0.0% (1‱) flat	0.0% (2‱) flat	— withheld	0.0% (1‱) flat	0.0% (1‱) flat	0.0% (2‱) flat	0.0% (2‱) flat	0.0% (1‱) flat
Regular Shares / Total Shares & Borrowings Ratio of sums	34.8% 243‱ up	78.0% —	59.3% 215‱ up	50.5% 275‱ up	41.6% 301‱ up	36.1% 278‱ up	32.7% 196‱ up	30.1% 587‱ up	— withheld	77.0% 144‱ up	59.3% 215‱ up	50.5% 275‱ up	41.6% 301‱ up	32.5% 281‱ up
Salary And Benefits / Full-Time Equivalent Employee Ratio of sums	85512.6% 575,894‱ up	34888.1% —	62604.6% 280,753‱ up	66827.0% 358,969‱ up	72454.1% 342,888‱ up	81960.6% 413,378‱ up	91578.8% 533,356‱ up	96470.3% 689,343‱ up	— withheld	36779.4% (865,126‱) down	62604.6% 280,753‱ up	66827.0% 358,969‱ up	72454.1% 342,888‱ up	90989.7% 567,314‱ up
Yield on Average Investments Ratio of sums	1.4% —	1.3% —	1.4% —	1.4% —	1.3% —	1.3% —	1.3% —	1.4% —	— withheld	1.3% —	1.4% —	1.4% —	1.3% —	1.4% —

↑ ↓ against Q4 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 Q4 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, Q4 2019 and Q4 2020 · callseries release v2026.2.27, cut Oct 29, 2026 · peer groups peer-groups.yaml@74abeac

The files for Q4 2020

Accounts curated/accounts/quarter=2020Q4/data.parquet callbase
Account text curated/accounts_text/quarter=2020Q4/data.parquet callbase
Profiles curated/profiles/quarter=2020Q4/data.parquet callbase
Quorum, filer by filer index/quorum/quarter=2020Q4/data.parquet callbase
Peer aggregates releases/v2026.2.27/peer-quarter.parquet callseries

-- One ratio across every group, Q4 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 = '2020Q4'
  AND measure = 'delinquent_loans_to_total_loans'
ORDER BY peer_group;

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