Quarter · cycle date March 31, 2021

Q1 2021

✓ Quorum reached

Coverage

Filed, of expected

Filings held

Due

Rates at March 31, 2021 0.1% fed funds · 2-year 0.2% · 10-year 1.7%

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 Q1 2020 appears below each value.

The change compares Q1 2021’s members with Q1 2020’s, because credit unions are grouped by their assets in each quarter.

Q1 2021: each measure's statistic by peer group, with its change on Q1 2020
Measure	All FICUs 5,068 of 5,099	<$10M 1,105 of 1,123	$10M–$50M 1,511 of 1,515	$50M–$100M 694 of 697	$100M–$500M 1,081 of 1,087	$500M–$1B 289 of 289	$1B–$10B 370 of 370	>$10B 18 of 18	NCUA Peer 1: <$2M Withheld · 344 of 353	NCUA Peer 2: $2M–$10M 761 of 770	NCUA Peer 3: $10M–$50M 1,511 of 1,515	NCUA Peer 4: $50M–$100M 694 of 697	NCUA Peer 5: $100M–$500M 1,081 of 1,087	NCUA Peer 6: >$500M 677 of 677
Asset quality
Delinquent Loans / Total Loans Ratio of sums	0.46% (17‱) down	1.33% (40‱) down	0.73% (26‱) down	0.54% (22‱) down	0.45% (22‱) down	0.44% (18‱) down	0.37% (13‱) down	0.65% (28‱) down	— withheld	1.24% (38‱) down	0.73% (26‱) down	0.54% (22‱) down	0.45% (22‱) down	0.45% (16‱) down
Net Charge-Offs / Average Loans Ratio of sums	0.32% (26‱) down	0.39% (24‱) down	0.26% (17‱) down	0.23% (21‱) down	0.23% (23‱) down	0.25% (23‱) down	0.25% (20‱) down	0.56% (57‱) down	— withheld	0.40% (23‱) down	0.26% (17‱) down	0.23% (21‱) down	0.23% (23‱) down	0.33% (27‱) down
Provision for Loan/Lease Losses or Credit Loss Expense / Average Assets Ratio of sums	0.15% (38‱) down	0.13% (36‱) down	0.07% (16‱) down	0.08% (18‱) down	0.08% (25‱) down	0.11% (28‱) down	0.13% (30‱) down	0.28% (87‱) down	— withheld	0.13% (37‱) down	0.07% (16‱) down	0.08% (18‱) down	0.08% (25‱) down	0.17% (42‱) down
Capital
Net Worth / Total Assets for Prompt Corrective Action Ratio of sums	10.1% (94‱) down	15.2% (107‱) down	11.6% (136‱) down	10.9% (117‱) down	10.1% (122‱) down	10.0% (104‱) down	10.1% (89‱) down	10.0% (62‱) down	— withheld	15.0% (110‱) down	11.6% (136‱) down	10.9% (117‱) down	10.1% (122‱) down	10.1% (85‱) down
Net Worth / Total Assets excluding CECL Transition Provision Ratio of sums	10.0% (99‱) down	15.2% (109‱) down	11.6% (138‱) down	10.9% (122‱) down	10.0% (129‱) down	9.9% (109‱) down	10.0% (93‱) down	9.9% (68‱) down	— withheld	15.0% (112‱) down	11.6% (138‱) down	10.9% (122‱) down	10.0% (129‱) down	9.9% (90‱) down
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL Ratio of sums	10.6% (95‱) down	15.8% (115‱) down	11.9% (145‱) down	11.2% (128‱) down	10.4% (136‱) down	10.4% (110‱) down	10.5% (89‱) down	10.8% (58‱) down	— withheld	15.5% (118‱) down	11.9% (145‱) down	11.2% (128‱) down	10.4% (136‱) down	10.6% (84‱) down
GAAP Equity / Total Assets Ratio of sums	9.8% (117‱) down	15.2% (110‱) down	11.5% (137‱) down	10.7% (128‱) down	9.8% (139‱) down	9.7% (124‱) down	9.8% (110‱) down	9.7% (101‱) down	— withheld	15.0% (114‱) down	11.5% (137‱) down	10.7% (128‱) down	9.8% (139‱) down	9.8% (110‱) down
Liquidity and balance sheet
Cash + Short-Term Investments / Assets Ratio of sums	20.4% 534‱ up	42.0% 813‱ up	34.8% 811‱ up	29.8% 683‱ up	23.6% 618‱ up	19.2% 496‱ up	19.4% 563‱ up	18.9% 469‱ up	— withheld	41.2% 799‱ up	34.8% 811‱ up	29.8% 683‱ up	23.6% 618‱ up	19.2% 530‱ up
Total Loans / Total Shares Ratio of sums	68.8% (1,233‱) down	50.8% (928‱) down	49.1% (1,080‱) down	54.5% (1,012‱) down	62.6% (1,222‱) down	70.0% (1,078‱) down	71.7% (1,259‱) down	68.9% (1,479‱) down	— withheld	50.9% (927‱) down	49.1% (1,080‱) down	54.5% (1,012‱) down	62.6% (1,222‱) down	70.7% (1,294‱) down
Total Loans / Total Assets Ratio of sums	59.8% (836‱) down	42.8% (721‱) down	43.2% (864‱) down	48.1% (805‱) down	55.5% (948‱) down	61.5% (749‱) down	62.2% (888‱) down	58.9% (749‱) down	— withheld	43.1% (718‱) down	43.2% (864‱) down	48.1% (805‱) down	55.5% (948‱) down	61.2% (848‱) down
Borrowings / Total Shares & Net Worth Ratio of sums	2.2% (196‱) down	0.1% 4‱ up	0.0% (7‱) down	0.3% (12‱) down	0.7% (48‱) down	1.6% (124‱) down	2.3% (155‱) down	3.7% (604‱) down	— withheld	0.1% 4‱ up	0.0% (7‱) down	0.3% (12‱) down	0.7% (48‱) down	2.6% (245‱) down
Earnings, annualized
Return on Average Assets (ROAA) Ratio of sums	1.04% 52‱ up	(0.05%) (1‱) flat	0.29% (10‱) down	0.51% 8‱ up	0.63% 19‱ up	0.83% 41‱ up	1.08% 47‱ up	1.42% 94‱ up	— withheld	(0.02%) 1‱ flat	0.29% (10‱) down	0.51% 8‱ up	0.63% 19‱ up	1.14% 59‱ up
Net Interest Margin / Average Assets Ratio of sums	2.6% (38‱) down	2.8% (81‱) down	2.5% (75‱) down	2.6% (64‱) down	2.6% (58‱) down	2.6% (41‱) down	2.5% (29‱) down	2.8% (42‱) down	— withheld	2.8% (80‱) down	2.5% (75‱) down	2.6% (64‱) down	2.6% (58‱) down	2.6% (32‱) down
Yield on Average Loans Ratio of sums	4.5% (44‱) down	6.2% (18‱) down	5.3% (26‱) down	5.0% (33‱) down	4.6% (39‱) down	4.5% (36‱) down	4.2% (38‱) down	4.9% (76‱) down	— withheld	6.1% (17‱) down	5.3% (26‱) down	5.0% (33‱) down	4.6% (39‱) down	4.4% (44‱) down
Cost of Funds / Average Assets Ratio of sums	0.48% (38‱) down	0.32% (12‱) down	0.28% (17‱) down	0.29% (20‱) down	0.35% (28‱) down	0.41% (31‱) down	0.49% (42‱) down	0.58% (52‱) down	— withheld	0.31% (12‱) down	0.28% (17‱) down	0.29% (20‱) down	0.35% (28‱) down	0.51% (42‱) down
Fee & Other Operating Income / Average Assets Ratio of sums	1.28% 1‱ flat	0.50% (16‱) down	0.84% (11‱) down	1.07% (11‱) down	1.27% (8‱) down	1.38% 2‱ flat	1.34% 6‱ up	1.19% (3‱) down	— withheld	0.51% (9‱) down	0.84% (11‱) down	1.07% (11‱) down	1.27% (8‱) down	1.30% 2‱ flat
Non-Interest Expense / Average Assets Ratio of sums	2.8% (40‱) down	3.3% (50‱) down	3.1% (58‱) down	3.1% (61‱) down	3.2% (57‱) down	3.2% (43‱) down	2.7% (29‱) down	2.4% (38‱) down	— withheld	3.3% (51‱) down	3.1% (58‱) down	3.1% (61‱) down	3.2% (57‱) down	2.7% (34‱) down
Non-Interest Expense / Gross Income Ratio of sums	63.7% 156‱ up	92.3% 1,069‱ up	84.3% 621‱ up	79.5% 312‱ up	76.2% 285‱ up	71.8% 150‱ up	62.9% 239‱ up	52.3% 230‱ up	— withheld	91.2% 884‱ up	84.3% 621‱ up	79.5% 312‱ up	76.2% 285‱ up	61.0% 186‱ up
Growth, annualized year to date
Asset Growth (Annualized) Ratio of sums	23.1% 388‱ up	14.8% 824‱ up	22.5% 1,145‱ up	24.7% 1,198‱ up	25.7% 1,147‱ up	24.1% 937‱ up	22.8% 508‱ up	21.6% (1,036‱) down	— withheld	15.3% 867‱ up	22.5% 1,145‱ up	24.7% 1,198‱ up	25.7% 1,147‱ up	22.6% 204‱ up
Loan Growth (Annualized) Ratio of sums	1.2% (276‱) down	(7.6%) 191‱ up	(2.0%) 314‱ up	0.4% 361‱ up	2.1% 220‱ up	4.4% 331‱ up	2.0% (265‱) down	(2.1%) (1,111‱) down	— withheld	(7.3%) 175‱ up	(2.0%) 314‱ up	0.4% 361‱ up	2.1% 220‱ up	1.2% (393‱) down
Share Growth (Annualized) Ratio of sums	27.1% 912‱ up	18.0% 996‱ up	25.6% 1,298‱ up	27.9% 1,377‱ up	29.0% 1,316‱ up	28.1% 1,231‱ up	26.6% 876‱ up	26.5% 373‱ up	— withheld	18.5% 1,033‱ up	25.6% 1,298‱ up	27.9% 1,377‱ up	29.0% 1,316‱ up	26.8% 811‱ up
Net Worth Growth (Annualized) Ratio of sums	10.7% 487‱ up	(0.9%) (93‱) down	2.6% (43‱) down	4.5% 75‱ up	7.3% 310‱ up	9.6% 559‱ up	11.0% 495‱ up	14.5% 572‱ up	— withheld	(0.7%) (77‱) down	2.6% (43‱) down	4.5% 75‱ up	7.3% 310‱ up	11.8% 537‱ up
Membership Growth (Annualized) Ratio of sums	5.00% 60‱ up	(3.08%) (98‱) down	(0.98%) (20‱) down	(0.02%) 76‱ up	2.13% 174‱ up	4.50% 210‱ up	4.65% (29‱) down	9.86% (109‱) down	— withheld	(2.59%) (62‱) down	(0.98%) (20‱) down	(0.02%) 76‱ up	2.13% 174‱ up	6.06% 12‱ up
Totals, summed
Total Assets Sum	$1.95T 19.0% up	$4.57B (15.4%) down	$38.86B (5.5%) down	$50.07B 3.3% up	$243.06B 6.5% up	$204.61B 16.4% up	$969.97B 17.0% up	$438.34B 41.2% up	— withheld	$4.25B (15.8%) down	$38.86B (5.5%) down	$50.07B 3.3% up	$243.06B 6.5% up	$1.61T 22.6% up
Total Loans Sum	$1.17T 4.4% up	$1.95B (27.6%) down	$16.79B (21.3%) down	$24.11B (11.5%) down	$134.99B (9.0%) down	$125.78B 3.8% up	$603.78B 2.4% up	$258.04B 25.3% up	— withheld	$1.83B (27.9%) down	$16.79B (21.3%) down	$24.11B (11.5%) down	$134.99B (9.0%) down	$987.60B 7.7% up
Total Shares and Deposits Sum	$1.69T 23.1% up	$3.85B (14.3%) down	$34.18B (4.0%) down	$44.25B 5.0% up	$215.59B 8.7% up	$179.63B 19.8% up	$842.03B 20.4% up	$374.28B 52.2% up	— withheld	$3.59B (14.8%) down	$34.18B (4.0%) down	$44.25B 5.0% up	$215.59B 8.7% up	$1.40T 27.4% up
Net Worth Sum	$195.32B 8.3% up	$693.5M (21.1%) down	$4.51B (15.6%) down	$5.44B (7.1%) down	$24.29B (5.7%) down	$20.30B 4.9% up	$96.87B 7.0% up	$43.22B 32.2% up	— withheld	$637.2M (21.8%) down	$4.51B (15.6%) down	$5.44B (7.1%) down	$24.29B (5.7%) down	$160.39B 12.5% up
Other
Average Loan Balance Ratio of sums	16161.0% 28,603‱ up	6857.8% (18,434‱) down	6205.4% (194,022‱) down	8135.5% (204,998‱) down	12400.1% (82,499‱) down	16387.4% 48,948‱ up	18747.3% 88,789‱ up	16763.8% 66,422‱ up	— withheld	6998.1% (29,978‱) down	6205.4% (194,022‱) down	8135.5% (204,998‱) down	12400.1% (82,499‱) down	17867.2% 70,898‱ up
Average Shares Per Member Ratio of sums	13472.7% 213,376‱ up	5018.2% 48,946‱ up	8910.0% 136,572‱ up	10264.8% 163,906‱ up	11827.0% 202,303‱ up	12616.5% 172,557‱ up	14724.2% 217,369‱ up	13783.7% 208,263‱ up	— withheld	5369.0% 55,004‱ up	8910.0% 136,572‱ up	10264.8% 163,906‱ up	11827.0% 202,303‱ up	14160.7% 205,990‱ up
Borrowers / Members Ratio of sums	57.4% (59‱) down	37.1% (147‱) down	70.5% 1,504‱ up	68.7% 1,403‱ up	59.7% 424‱ up	53.9% (145‱) down	56.3% (292‱) down	56.7% (417‱) down	— withheld	39.1% (67‱) down	70.5% 1,504‱ up	68.7% 1,403‱ up	59.7% 424‱ up	56.1% (295‱) down
Delinquent Loans / Assets Ratio of sums	0.3% (16‱) down	0.6% (29‱) down	0.3% (20‱) down	0.3% (17‱) down	0.3% (18‱) down	0.3% (15‱) down	0.2% (13‱) down	0.4% (24‱) down	— withheld	0.5% (28‱) down	0.3% (20‱) down	0.3% (17‱) down	0.3% (18‱) down	0.3% (15‱) down
Delinquent Loans / Net Worth Ratio of sums	2.7% (118‱) down	3.7% (156‱) down	2.7% (125‱) down	2.4% (112‱) down	2.5% (134‱) down	2.7% (114‱) down	2.3% (96‱) down	3.9% (200‱) down	— withheld	3.5% (150‱) down	2.7% (125‱) down	2.4% (112‱) down	2.5% (134‱) down	2.8% (116‱) down
Fixed Assets & Foreclosed Assets / Total Assets Ratio of sums	1.8% (25‱) down	0.5% (22‱) down	1.5% (39‱) down	2.0% (34‱) down	2.2% (43‱) down	2.3% (25‱) down	1.7% (20‱) down	1.6% (16‱) down	— withheld	0.5% (24‱) down	1.5% (39‱) down	2.0% (34‱) down	2.2% (43‱) down	1.7% (20‱) down
Gross Income / Average Assets Ratio of sums	4.3% (76‱) down	3.6% (109‱) down	3.7% (103‱) down	3.9% (96‱) down	4.2% (94‱) down	4.4% (71‱) down	4.3% (65‱) down	4.6% (97‱) down	— withheld	3.6% (101‱) down	3.7% (103‱) down	3.9% (96‱) down	4.2% (94‱) down	4.4% (72‱) down
Members / Full-Time Equivalent Employees Ratio of sums	399.2% 1,240‱ up	401.0% 54‱ up	419.4% 1,416‱ up	390.0% 1,934‱ up	346.4% 891‱ up	353.7% 1,400‱ up	393.3% (61‱) down	497.8% 2,508‱ up	— withheld	407.7% 208‱ up	419.4% 1,416‱ up	390.0% 1,934‱ up	346.4% 891‱ up	410.4% 1,072‱ up
Members / Potential Members Ratio of sums	3.0% (4‱) down	6.3% (151‱) down	3.5% 47‱ up	2.2% (43‱) down	2.5% (1‱) flat	2.5% (34‱) down	3.5% 42‱ up	2.8% (90‱) down	— withheld	7.1% (81‱) down	3.5% 47‱ up	2.2% (43‱) down	2.5% (1‱) flat	3.1% (6‱) down
Net Margin / Average Assets Ratio of sums	3.8% (38‱) down	3.3% (97‱) down	3.4% (86‱) down	3.6% (76‱) down	3.8% (66‱) down	4.0% (39‱) down	3.8% (23‱) down	4.0% (45‱) down	— withheld	3.3% (89‱) down	3.4% (86‱) down	3.6% (76‱) down	3.8% (66‱) down	3.9% (30‱) down
Net Operating Expense / Average Assets Ratio of sums	2.3% (31‱) down	3.0% (33‱) down	2.6% (44‱) down	2.5% (47‱) down	2.6% (43‱) down	2.6% (31‱) down	2.3% (21‱) down	2.1% (33‱) down	— withheld	2.9% (41‱) down	2.6% (44‱) down	2.5% (47‱) down	2.6% (43‱) down	2.3% (26‱) down
Other Non-Performing Assets / Total Assets Ratio of sums	0.0% (2‱) flat	0.0% (2‱) flat	0.0% (2‱) flat	0.0% (2‱) flat	0.0% (2‱) flat	0.0% (2‱) flat	0.0% (1‱) flat	0.0% (2‱) flat	— withheld	0.0% (2‱) flat	0.0% (2‱) flat	0.0% (2‱) flat	0.0% (2‱) flat	0.0% (2‱) flat
Regular Shares / Total Shares & Borrowings Ratio of sums	36.1% 379‱ up	78.6% 205‱ up	60.3% 312‱ up	52.0% 365‱ up	43.1% 394‱ up	38.2% 443‱ up	34.4% 369‱ up	30.5% 638‱ up	— withheld	77.7% 211‱ up	60.3% 312‱ up	52.0% 365‱ up	43.1% 394‱ up	33.8% 426‱ up
Salary And Benefits / Full-Time Equivalent Employee Ratio of sums	88148.8% 447,369‱ up	40837.1% (246,644‱) down	61721.8% (21,493‱) down	66321.0% 100,542‱ up	73124.5% 113,132‱ up	82471.5% 213,779‱ up	94290.9% 368,232‱ up	100974.4% 718,626‱ up	— withheld	44217.1% (244,177‱) down	61721.8% (21,493‱) down	66321.0% 100,542‱ up	73124.5% 113,132‱ up	93827.9% 443,433‱ up
Yield on Average Investments Ratio of sums	0.8% (69‱) down	0.7% (99‱) down	0.9% (100‱) down	0.9% (94‱) down	0.8% (92‱) down	0.8% (88‱) down	0.8% (64‱) down	1.0% (42‱) down	— withheld	0.8% (99‱) down	0.9% (100‱) down	0.9% (94‱) down	0.8% (92‱) down	0.8% (61‱) down

↑ ↓ against Q1 2020 · → within ±2‱, a sum within ±0.1% ‱ basis point: one hundredth of a percentage point — withheld: the group is below quorum 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 and Q1 2021 · callseries release v2026.2.27, cut Oct 29, 2026 · peer groups peer-groups.yaml@74abeac

The files for Q1 2021

Accounts curated/accounts/quarter=2021Q1/data.parquet callbase
Account text curated/accounts_text/quarter=2021Q1/data.parquet callbase
Profiles curated/profiles/quarter=2021Q1/data.parquet callbase
Quorum, filer by filer index/quorum/quarter=2021Q1/data.parquet callbase
Peer aggregates releases/v2026.2.27/peer-quarter.parquet callseries

-- One ratio across every group, Q1 2021, 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 = '2021Q1'
  AND measure = 'delinquent_loans_to_total_loans'
ORDER BY peer_group;

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