Quarter · cycle date June 30, 2021

Q2 2021

✓ Quorum reached

Coverage

Filed, of expected

Filings held

Due

Rates at June 30, 2021 0.1% fed funds · 2-year 0.3% · 10-year 1.4%

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 2020 appears below each value.

The change compares Q2 2021’s members with Q2 2020’s, because credit unions are grouped by their assets in each quarter.

Q2 2021: each measure's statistic by peer group, with its change on Q2 2020
Measure	All FICUs 5,029 of 5,068	<$10M 1,084 of 1,101	$10M–$50M 1,498 of 1,512	$50M–$100M 694 of 697	$100M–$500M 1,073 of 1,077	$500M–$1B 288 of 289	$1B–$10B 373 of 373	>$10B 19 of 19	NCUA Peer 1: <$2M Withheld · 335 of 342	NCUA Peer 2: $2M–$10M 749 of 759	NCUA Peer 3: $10M–$50M 1,498 of 1,512	NCUA Peer 4: $50M–$100M 694 of 697	NCUA Peer 5: $100M–$500M 1,073 of 1,077	NCUA Peer 6: >$500M 680 of 681
Asset quality
Delinquent Loans / Total Loans Ratio of sums	0.46% (12‱) down	1.27% (42‱) down	0.70% (20‱) down	0.52% (23‱) down	0.44% (17‱) down	0.41% (19‱) down	0.37% (12‱) down	0.66% (5‱) down	— withheld	1.17% (41‱) down	0.70% (20‱) down	0.52% (23‱) down	0.44% (17‱) down	0.45% (11‱) down
Net Charge-Offs / Average Loans Ratio of sums	0.28% (25‱) down	0.36% (18‱) down	0.24% (15‱) down	0.21% (20‱) down	0.19% (22‱) down	0.22% (22‱) down	0.21% (18‱) down	0.51% (53‱) down	— withheld	0.36% (17‱) down	0.24% (15‱) down	0.21% (20‱) down	0.19% (22‱) down	0.29% (27‱) down
Provision for Loan/Lease Losses or Credit Loss Expense / Average Assets Ratio of sums	0.07% (52‱) down	0.09% (17‱) down	0.07% (14‱) down	0.07% (17‱) down	0.06% (25‱) down	0.09% (32‱) down	0.08% (39‱) down	0.04% (119‱) down	— withheld	0.09% (17‱) down	0.07% (14‱) down	0.07% (17‱) down	0.06% (25‱) down	0.07% (59‱) down
Capital
Net Worth / Total Assets for Prompt Corrective Action Ratio of sums	10.2% (32‱) down	15.2% (63‱) down	11.6% (73‱) down	11.1% (50‱) down	10.2% (58‱) down	10.1% (30‱) down	10.2% (33‱) down	10.2% 1‱ flat	— withheld	15.0% (63‱) down	11.6% (73‱) down	11.1% (50‱) down	10.2% (58‱) down	10.2% (24‱) down
Net Worth / Total Assets excluding CECL Transition Provision Ratio of sums	10.2% (30‱) down	15.2% (62‱) down	11.6% (72‱) down	11.0% (47‱) down	10.1% (57‱) down	10.0% (26‱) down	10.1% (31‱) down	10.1% 3‱ up	— withheld	15.0% (62‱) down	11.6% (72‱) down	11.0% (47‱) down	10.1% (57‱) down	10.1% (22‱) down
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL Ratio of sums	10.7% (33‱) down	15.7% (67‱) down	11.9% (77‱) down	11.3% (53‱) down	10.5% (64‱) down	10.5% (29‱) down	10.6% (32‱) down	10.9% (12‱) down	— withheld	15.5% (67‱) down	11.9% (77‱) down	11.3% (53‱) down	10.5% (64‱) down	10.7% (25‱) down
GAAP Equity / Total Assets Ratio of sums	10.0% (49‱) down	15.1% (63‱) down	11.5% (75‱) down	10.9% (54‱) down	9.9% (70‱) down	9.9% (40‱) down	10.0% (50‱) down	10.0% (27‱) down	— withheld	15.0% (63‱) down	11.5% (75‱) down	10.9% (54‱) down	9.9% (70‱) down	10.0% (43‱) down
Liquidity and balance sheet
Cash + Short-Term Investments / Assets Ratio of sums	18.5% 88‱ up	41.0% 274‱ up	32.5% 148‱ up	27.2% 13‱ up	20.8% 15‱ up	16.8% (2‱) flat	17.5% 134‱ up	17.8% 132‱ up	— withheld	40.2% 253‱ up	32.5% 148‱ up	27.2% 13‱ up	20.8% 15‱ up	17.5% 117‱ up
Total Loans / Total Shares Ratio of sums	69.6% (667‱) down	50.9% (472‱) down	49.6% (552‱) down	55.5% (440‱) down	63.8% (581‱) down	70.8% (563‱) down	72.4% (660‱) down	69.6% (942‱) down	— withheld	51.1% (476‱) down	49.6% (552‱) down	55.5% (440‱) down	63.8% (581‱) down	71.4% (723‱) down
Total Loans / Total Assets Ratio of sums	60.3% (463‱) down	42.9% (368‱) down	43.6% (440‱) down	48.9% (345‱) down	56.5% (440‱) down	62.1% (374‱) down	62.8% (463‱) down	59.2% (592‱) down	— withheld	43.1% (372‱) down	43.6% (440‱) down	48.9% (345‱) down	56.5% (440‱) down	61.7% (493‱) down
Borrowings / Total Shares & Net Worth Ratio of sums	2.2% (104‱) down	0.2% 6‱ up	0.1% (3‱) down	0.2% (19‱) down	0.7% (36‱) down	1.5% (117‱) down	2.2% (95‱) down	3.7% (238‱) down	— withheld	0.2% 6‱ up	0.1% (3‱) down	0.2% (19‱) down	0.7% (36‱) down	2.5% (128‱) down
Earnings, annualized
Return on Average Assets (ROAA) Ratio of sums	1.12% 55‱ up	0.08% (11‱) down	0.37% 3‱ up	0.57% 14‱ up	0.71% 26‱ up	0.87% 42‱ up	1.13% 45‱ up	1.57% 105‱ up	— withheld	0.10% (10‱) down	0.37% 3‱ up	0.57% 14‱ up	0.71% 26‱ up	1.22% 62‱ up
Net Interest Margin / Average Assets Ratio of sums	2.6% (32‱) down	2.7% (68‱) down	2.5% (58‱) down	2.6% (50‱) down	2.6% (41‱) down	2.7% (29‱) down	2.5% (24‱) down	2.8% (42‱) down	— withheld	2.7% (67‱) down	2.5% (58‱) down	2.6% (50‱) down	2.6% (41‱) down	2.6% (28‱) down
Yield on Average Loans Ratio of sums	4.4% (37‱) down	6.1% (22‱) down	5.3% (25‱) down	4.9% (32‱) down	4.6% (34‱) down	4.4% (31‱) down	4.2% (29‱) down	4.8% (64‱) down	— withheld	6.0% (22‱) down	5.3% (25‱) down	4.9% (32‱) down	4.6% (34‱) down	4.4% (37‱) down
Cost of Funds / Average Assets Ratio of sums	0.46% (33‱) down	0.31% (11‱) down	0.26% (17‱) down	0.28% (17‱) down	0.34% (24‱) down	0.39% (28‱) down	0.47% (35‱) down	0.56% (45‱) down	— withheld	0.31% (12‱) down	0.26% (17‱) down	0.28% (17‱) down	0.34% (24‱) down	0.48% (37‱) down
Fee & Other Operating Income / Average Assets Ratio of sums	1.31% 7‱ up	0.59% 5‱ up	0.94% 8‱ up	1.15% 3‱ up	1.33% 4‱ up	1.40% 9‱ up	1.34% 8‱ up	1.24% 7‱ up	— withheld	0.60% 4‱ up	0.94% 8‱ up	1.15% 3‱ up	1.33% 4‱ up	1.32% 7‱ up
Non-Interest Expense / Average Assets Ratio of sums	2.8% (25‱) down	3.3% (33‱) down	3.1% (37‱) down	3.2% (39‱) down	3.2% (34‱) down	3.2% (27‱) down	2.7% (16‱) down	2.4% (28‱) down	— withheld	3.2% (34‱) down	3.1% (37‱) down	3.2% (39‱) down	3.2% (34‱) down	2.7% (22‱) down
Non-Interest Expense / Gross Income Ratio of sums	64.2% 241‱ up	90.2% 786‱ up	83.0% 419‱ up	79.0% 237‱ up	75.8% 246‱ up	71.6% 151‱ up	63.5% 340‱ up	53.6% 282‱ up	— withheld	89.4% 763‱ up	83.0% 419‱ up	79.0% 237‱ up	75.8% 246‱ up	61.7% 275‱ up
Growth, annualized year to date
Asset Growth (Annualized) Ratio of sums	14.8% (912‱) down	9.7% (372‱) down	12.9% (646‱) down	13.9% (748‱) down	15.1% (756‱) down	14.5% (919‱) down	14.9% (901‱) down	14.9% (1,109‱) down	— withheld	10.1% (367‱) down	12.9% (646‱) down	13.9% (748‱) down	15.1% (756‱) down	14.9% (955‱) down
Loan Growth (Annualized) Ratio of sums	5.6% (20‱) down	(0.8%) 820‱ up	2.8% 621‱ up	5.3% 605‱ up	6.4% 309‱ up	7.4% 180‱ up	6.2% (84‱) down	3.4% (281‱) down	— withheld	(0.5%) 808‱ up	2.8% 621‱ up	5.3% 605‱ up	6.4% 309‱ up	5.6% (105‱) down
Share Growth (Annualized) Ratio of sums	16.4% (1,012‱) down	11.4% (451‱) down	14.3% (751‱) down	15.4% (833‱) down	16.5% (851‱) down	16.2% (982‱) down	16.6% (1,007‱) down	16.6% (1,234‱) down	— withheld	11.7% (449‱) down	14.3% (751‱) down	15.4% (833‱) down	16.5% (851‱) down	16.5% (1,059‱) down
Net Worth Growth (Annualized) Ratio of sums	11.6% 559‱ up	0.5% (80‱) down	3.3% 57‱ up	5.3% 157‱ up	7.8% 330‱ up	9.4% 466‱ up	11.9% 507‱ up	16.2% 919‱ up	— withheld	0.6% (78‱) down	3.3% 57‱ up	5.3% 157‱ up	7.8% 330‱ up	12.7% 618‱ up
Membership Growth (Annualized) Ratio of sums	5.12% 111‱ up	(1.50%) 60‱ up	(0.80%) (6‱) down	0.12% 86‱ up	2.14% 139‱ up	3.62% 142‱ up	5.26% 116‱ up	9.41% (34‱) down	— withheld	(1.22%) 56‱ up	(0.80%) (6‱) down	0.12% 86‱ up	2.14% 139‱ up	6.18% 92‱ up
Totals, summed
Total Assets Sum	$1.98T 13.0% up	$4.51B (12.3%) down	$38.72B (4.9%) down	$50.44B 5.4% up	$242.71B 3.0% up	$204.20B 7.3% up	$979.88B 12.3% up	$456.76B 28.0% up	— withheld	$4.20B (12.6%) down	$38.72B (4.9%) down	$50.44B 5.4% up	$242.71B 3.0% up	$1.64T 15.6% up
Total Loans Sum	$1.19T 5.0% up	$1.93B (19.3%) down	$16.90B (13.6%) down	$24.68B (1.5%) down	$137.22B (4.4%) down	$126.77B 1.2% up	$615.33B 4.6% up	$270.43B 16.3% up	— withheld	$1.81B (19.5%) down	$16.90B (13.6%) down	$24.68B (1.5%) down	$137.22B (4.4%) down	$1.01T 7.0% up
Total Shares and Deposits Sum	$1.71T 15.0% up	$3.80B (11.8%) down	$34.04B (4.0%) down	$44.50B 6.3% up	$215.10B 4.3% up	$179.07B 9.3% up	$849.73B 14.1% up	$388.64B 32.1% up	— withheld	$3.55B (12.0%) down	$34.04B (4.0%) down	$44.50B 6.3% up	$215.10B 4.3% up	$1.42T 17.8% up
Net Worth Sum	$201.05B 9.9% up	$683.7M (15.8%) down	$4.49B (10.4%) down	$5.55B 1.1% up	$24.47B (2.5%) down	$20.50B 4.7% up	$99.14B 8.9% up	$46.20B 28.4% up	— withheld	$629.6M (16.1%) down	$4.49B (10.4%) down	$5.55B 1.1% up	$24.47B (2.5%) down	$165.85B 13.1% up
Other
Average Loan Balance Ratio of sums	16155.8% (10,669‱) down	7105.5% (1,983‱) down	5856.9% (225,178‱) down	7919.2% (166,741‱) down	12218.6% (111,342‱) down	16630.8% 17,841‱ up	18812.5% 20,166‱ up	16876.2% 88,502‱ up	— withheld	7226.6% (10,269‱) down	5856.9% (225,178‱) down	7919.2% (166,741‱) down	12218.6% (111,342‱) down	17966.8% 36,980‱ up
Average Shares Per Member Ratio of sums	13485.9% 129,957‱ up	5089.0% 35,030‱ up	8960.5% 90,596‱ up	10341.3% 110,107‱ up	11849.6% 130,187‱ up	12669.9% 95,247‱ up	14685.7% 110,163‱ up	13798.3% 160,063‱ up	— withheld	5451.8% 41,172‱ up	8960.5% 90,596‱ up	10341.3% 110,107‱ up	11849.6% 130,187‱ up	14151.7% 120,840‱ up
Borrowers / Members Ratio of sums	58.1% 94‱ up	36.5% (53‱) down	75.9% 2,115‱ up	72.4% 1,472‱ up	61.9% 680‱ up	53.9% (49‱) down	56.5% (114‱) down	56.9% (337‱) down	— withheld	38.5% 14‱ up	75.9% 2,115‱ up	72.4% 1,472‱ up	61.9% 680‱ up	56.3% (159‱) down
Delinquent Loans / Assets Ratio of sums	0.3% (10‱) down	0.5% (24‱) down	0.3% (13‱) down	0.3% (14‱) down	0.3% (12‱) down	0.3% (14‱) down	0.2% (10‱) down	0.4% (7‱) down	— withheld	0.5% (23‱) down	0.3% (13‱) down	0.3% (14‱) down	0.3% (12‱) down	0.3% (9‱) down
Delinquent Loans / Net Worth Ratio of sums	2.7% (88‱) down	3.6% (140‱) down	2.6% (87‱) down	2.3% (113‱) down	2.5% (103‱) down	2.5% (132‱) down	2.3% (88‱) down	3.9% (70‱) down	— withheld	3.4% (137‱) down	2.6% (87‱) down	2.3% (113‱) down	2.5% (103‱) down	2.8% (84‱) down
Fixed Assets & Foreclosed Assets / Total Assets Ratio of sums	1.8% (16‱) down	0.5% (12‱) down	1.5% (18‱) down	2.0% (27‱) down	2.3% (24‱) down	2.3% (16‱) down	1.7% (8‱) down	1.5% (22‱) down	— withheld	0.6% (13‱) down	1.5% (18‱) down	2.0% (27‱) down	2.3% (24‱) down	1.7% (14‱) down
Gross Income / Average Assets Ratio of sums	4.3% (58‱) down	3.6% (74‱) down	3.7% (67‱) down	4.0% (64‱) down	4.3% (61‱) down	4.4% (47‱) down	4.3% (52‱) down	4.6% (80‱) down	— withheld	3.6% (75‱) down	3.7% (67‱) down	4.0% (64‱) down	4.3% (61‱) down	4.4% (58‱) down
Members / Full-Time Equivalent Employees Ratio of sums	400.3% 793‱ up	399.0% (339‱) down	419.2% 452‱ up	387.1% 864‱ up	345.0% 38‱ up	355.4% 1,056‱ up	394.8% 168‱ up	496.9% 1,608‱ up	— withheld	404.8% (303‱) down	419.2% 452‱ up	387.1% 864‱ up	345.0% 38‱ up	412.2% 844‱ up
Members / Potential Members Ratio of sums	3.0% (6‱) down	6.4% (144‱) down	3.5% 47‱ up	2.2% (36‱) down	2.5% (4‱) down	2.5% (23‱) down	3.5% 50‱ up	2.8% (128‱) down	— withheld	7.0% (99‱) down	3.5% 47‱ up	2.2% (36‱) down	2.5% (4‱) down	3.1% (7‱) down
Net Margin / Average Assets Ratio of sums	3.9% (25‱) down	3.3% (63‱) down	3.5% (50‱) down	3.7% (46‱) down	3.9% (37‱) down	4.1% (20‱) down	3.8% (16‱) down	4.0% (35‱) down	— withheld	3.3% (64‱) down	3.5% (50‱) down	3.7% (46‱) down	3.9% (37‱) down	3.9% (21‱) down
Net Operating Expense / Average Assets Ratio of sums	2.3% (23‱) down	2.9% (32‱) down	2.6% (35‱) down	2.6% (36‱) down	2.6% (30‱) down	2.6% (25‱) down	2.3% (15‱) down	2.1% (26‱) down	— withheld	2.9% (32‱) down	2.6% (35‱) down	2.6% (36‱) down	2.6% (30‱) down	2.3% (20‱) down
Other Non-Performing Assets / Total Assets Ratio of sums	0.0% (1‱) flat	0.0% (2‱) flat	0.0% (1‱) flat	0.0% (2‱) flat	0.0% (2‱) flat	0.0% (2‱) flat	0.0% (1‱) flat	0.0% (1‱) flat	— withheld	0.0% (2‱) 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	35.7% 155‱ up	79.4% 245‱ up	61.1% 287‱ up	52.9% 310‱ up	43.9% 316‱ up	38.9% 372‱ up	34.1% 127‱ up	28.8% 179‱ up	— withheld	78.5% 258‱ up	61.1% 287‱ up	52.9% 310‱ up	43.9% 316‱ up	33.2% 154‱ up
Salary And Benefits / Full-Time Equivalent Employee Ratio of sums	87954.2% 327,956‱ up	40460.4% (160,909‱) down	61690.2% 40,841‱ up	66388.8% 76,658‱ up	72761.2% 52,778‱ up	82344.1% 136,213‱ up	93979.1% 246,056‱ up	100409.8% 628,680‱ up	— withheld	43829.9% (148,688‱) down	61690.2% 40,841‱ up	66388.8% 76,658‱ up	72761.2% 52,778‱ up	93575.1% 334,539‱ up
Yield on Average Investments Ratio of sums	0.9% (67‱) down	0.7% (83‱) down	0.9% (80‱) down	0.9% (74‱) down	0.8% (69‱) down	0.8% (62‱) down	0.8% (73‱) down	1.0% (53‱) down	— withheld	0.7% (84‱) down	0.9% (80‱) down	0.9% (74‱) down	0.8% (69‱) down	0.9% (66‱) down

↑ ↓ against Q2 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, Q2 2020 and Q2 2021 · callseries release v2026.2.27, cut Oct 29, 2026 · peer groups peer-groups.yaml@74abeac

The files for Q2 2021

Accounts curated/accounts/quarter=2021Q2/data.parquet callbase
Account text curated/accounts_text/quarter=2021Q2/data.parquet callbase
Profiles curated/profiles/quarter=2021Q2/data.parquet callbase
Quorum, filer by filer index/quorum/quarter=2021Q2/data.parquet callbase
Peer aggregates releases/v2026.2.27/peer-quarter.parquet callseries

-- One ratio across every group, Q2 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 = '2021Q2'
  AND measure = 'delinquent_loans_to_total_loans'
ORDER BY peer_group;

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