Quarter · cycle date September 30, 2021

Q3 2021

✓ Quorum reached

Coverage

Filed, of expected

Filings held

Due

Rates at September 30, 2021 0.1% fed funds · 2-year 0.3% · 10-year 1.5%

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 2020 appears below each value.

The change compares Q3 2021’s members with Q3 2020’s, because credit unions are grouped by their assets in each quarter.

Q3 2021: each measure's statistic by peer group, with its change on Q3 2020
Measure	All FICUs 4,990 of 5,031	<$10M 1,068 of 1,087	$10M–$50M 1,466 of 1,481	$50M–$100M 688 of 692	$100M–$500M 1,083 of 1,086	$500M–$1B 290 of 290	$1B–$10B 376 of 376	>$10B 19 of 19	NCUA Peer 1: <$2M Withheld · 331 of 337	NCUA Peer 2: $2M–$10M 737 of 750	NCUA Peer 3: $10M–$50M 1,466 of 1,481	NCUA Peer 4: $50M–$100M 688 of 692	NCUA Peer 5: $100M–$500M 1,083 of 1,086	NCUA Peer 6: >$500M 685 of 685
Asset quality
Delinquent Loans / Total Loans Ratio of sums	0.46% (8‱) down	1.33% (23‱) down	0.72% (14‱) down	0.56% (14‱) down	0.45% (12‱) down	0.40% (17‱) down	0.36% (9‱) down	0.69% (1‱) flat	— withheld	1.23% (23‱) down	0.72% (14‱) down	0.56% (14‱) down	0.45% (12‱) down	0.45% (7‱) down
Net Charge-Offs / Average Loans Ratio of sums	0.26% (22‱) down	0.32% (24‱) down	0.23% (15‱) down	0.20% (17‱) down	0.18% (19‱) down	0.21% (19‱) down	0.19% (15‱) down	0.48% (47‱) down	— withheld	0.31% (24‱) down	0.23% (15‱) down	0.20% (17‱) down	0.18% (19‱) down	0.27% (23‱) down
Provision for Loan/Lease Losses or Credit Loss Expense / Average Assets Ratio of sums	0.06% (50‱) down	0.10% (19‱) down	0.07% (11‱) down	0.08% (13‱) down	0.06% (23‱) down	0.09% (30‱) down	0.07% (38‱) down	0.04% (119‱) down	— withheld	0.09% (20‱) down	0.07% (11‱) down	0.08% (13‱) down	0.06% (23‱) down	0.06% (57‱) down
Capital
Net Worth / Total Assets for Prompt Corrective Action Ratio of sums	10.3% (22‱) down	15.3% (40‱) down	11.8% (57‱) down	11.1% (45‱) down	10.3% (44‱) down	10.2% (27‱) down	10.2% (26‱) down	10.2% 16‱ up	— withheld	15.1% (45‱) down	11.8% (57‱) down	11.1% (45‱) down	10.3% (44‱) down	10.2% (16‱) down
Net Worth / Total Assets excluding CECL Transition Provision Ratio of sums	10.2% (21‱) down	15.3% (40‱) down	11.7% (55‱) down	11.1% (42‱) down	10.2% (43‱) down	10.1% (23‱) down	10.2% (25‱) down	10.2% 17‱ up	— withheld	15.1% (44‱) down	11.7% (55‱) down	11.1% (42‱) down	10.2% (43‱) down	10.2% (14‱) down
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL Ratio of sums	10.7% (32‱) down	15.9% (45‱) down	12.1% (61‱) down	11.4% (48‱) down	10.6% (51‱) down	10.5% (30‱) down	10.6% (31‱) down	10.9% (19‱) down	— withheld	15.6% (50‱) down	12.1% (61‱) down	11.4% (48‱) down	10.6% (51‱) down	10.7% (27‱) down
GAAP Equity / Total Assets Ratio of sums	10.1% (42‱) down	15.3% (39‱) down	11.7% (59‱) down	10.9% (47‱) down	10.0% (56‱) down	9.9% (38‱) down	10.0% (46‱) down	10.0% (19‱) down	— withheld	15.1% (44‱) down	11.7% (59‱) down	10.9% (47‱) down	10.0% (56‱) down	10.0% (38‱) down
Liquidity and balance sheet
Cash + Short-Term Investments / Assets Ratio of sums	17.9% 69‱ up	40.1% 152‱ up	31.3% 2‱ flat	25.8% (81‱) down	20.0% (21‱) down	16.2% 31‱ up	16.8% 81‱ up	17.6% 188‱ up	— withheld	39.3% 128‱ up	31.3% 2‱ flat	25.8% (81‱) down	20.0% (21‱) down	17.0% 104‱ up
Total Loans / Total Shares Ratio of sums	69.9% (567‱) down	50.9% (411‱) down	50.0% (444‱) down	55.8% (402‱) down	64.1% (523‱) down	71.1% (554‱) down	72.8% (533‱) down	69.7% (810‱) down	— withheld	51.0% (414‱) down	50.0% (444‱) down	55.8% (402‱) down	64.1% (523‱) down	71.7% (612‱) down
Total Loans / Total Assets Ratio of sums	60.6% (408‱) down	42.8% (333‱) down	43.8% (359‱) down	49.2% (319‱) down	56.7% (404‱) down	62.4% (370‱) down	63.0% (382‱) down	59.4% (552‱) down	— withheld	43.0% (333‱) down	43.8% (359‱) down	49.2% (319‱) down	56.7% (404‱) down	61.9% (434‱) down
Borrowings / Total Shares & Net Worth Ratio of sums	2.2% (68‱) down	0.2% 4‱ up	0.0% (2‱) flat	0.2% (17‱) down	0.6% (28‱) down	1.4% (113‱) down	2.3% (59‱) down	3.7% (153‱) down	— withheld	0.2% 3‱ up	0.0% (2‱) flat	0.2% (17‱) down	0.6% (28‱) down	2.5% (84‱) down
Earnings, annualized
Return on Average Assets (ROAA) Ratio of sums	1.12% 46‱ up	0.22% 8‱ up	0.51% 10‱ up	0.68% 19‱ up	0.78% 27‱ up	0.89% 33‱ up	1.12% 34‱ up	1.50% 95‱ up	— withheld	0.22% 6‱ up	0.51% 10‱ up	0.68% 19‱ up	0.78% 27‱ up	1.20% 50‱ up
Net Interest Margin / Average Assets Ratio of sums	2.6% (28‱) down	2.7% (60‱) down	2.5% (53‱) down	2.6% (43‱) down	2.6% (37‱) down	2.7% (27‱) down	2.5% (21‱) down	2.8% (39‱) down	— withheld	2.7% (60‱) down	2.5% (53‱) down	2.6% (43‱) down	2.6% (37‱) down	2.6% (26‱) down
Yield on Average Loans Ratio of sums	4.4% (34‱) down	6.1% (14‱) down	5.3% (23‱) down	4.9% (26‱) down	4.6% (31‱) down	4.4% (28‱) down	4.2% (27‱) down	4.8% (59‱) down	— withheld	6.0% (14‱) down	5.3% (23‱) down	4.9% (26‱) down	4.6% (31‱) down	4.4% (34‱) down
Cost of Funds / Average Assets Ratio of sums	0.44% (30‱) down	0.31% (10‱) down	0.26% (15‱) down	0.26% (17‱) down	0.33% (22‱) down	0.39% (25‱) down	0.45% (32‱) down	0.53% (41‱) down	— withheld	0.31% (11‱) down	0.26% (15‱) down	0.26% (17‱) down	0.33% (22‱) down	0.47% (33‱) down
Fee & Other Operating Income / Average Assets Ratio of sums	1.31% 1‱ flat	0.70% 14‱ up	1.03% 12‱ up	1.23% 8‱ up	1.37% 4‱ up	1.44% 7‱ up	1.34% 0‱ flat	1.21% (1‱) flat	— withheld	0.71% 13‱ up	1.03% 12‱ up	1.23% 8‱ up	1.37% 4‱ up	1.31% 0‱ flat
Non-Interest Expense / Average Assets Ratio of sums	2.8% (22‱) down	3.3% (29‱) down	3.1% (33‱) down	3.2% (33‱) down	3.2% (32‱) down	3.2% (22‱) down	2.7% (14‱) down	2.5% (24‱) down	— withheld	3.3% (28‱) down	3.1% (33‱) down	3.2% (33‱) down	3.2% (32‱) down	2.7% (19‱) down
Non-Interest Expense / Gross Income Ratio of sums	64.5% 296‱ up	88.2% 502‱ up	81.3% 276‱ up	78.0% 161‱ up	75.1% 190‱ up	71.7% 213‱ up	63.8% 401‱ up	54.6% 376‱ up	— withheld	87.7% 506‱ up	81.3% 276‱ up	78.0% 161‱ up	75.1% 190‱ up	62.2% 347‱ up
Growth, annualized year to date
Asset Growth (Annualized) Ratio of sums	12.9% (633‱) down	6.5% (351‱) down	9.7% (522‱) down	10.6% (584‱) down	12.1% (550‱) down	11.9% (630‱) down	13.0% (663‱) down	14.1% (676‱) down	— withheld	6.7% (351‱) down	9.7% (522‱) down	10.6% (584‱) down	12.1% (550‱) down	13.2% (658‱) down
Loan Growth (Annualized) Ratio of sums	7.2% 97‱ up	0.0% 657‱ up	3.5% 506‱ up	5.8% 416‱ up	7.1% 273‱ up	7.9% 157‱ up	7.6% 61‱ up	6.6% (28‱) down	— withheld	0.3% 649‱ up	3.5% 506‱ up	5.8% 416‱ up	7.1% 273‱ up	7.3% 49‱ up
Share Growth (Annualized) Ratio of sums	13.9% (775‱) down	7.2% (458‱) down	10.4% (629‱) down	11.4% (677‱) down	12.9% (645‱) down	13.0% (700‱) down	14.0% (797‱) down	15.3% (932‱) down	— withheld	7.4% (455‱) down	10.4% (629‱) down	11.4% (677‱) down	12.9% (645‱) down	14.2% (812‱) down
Net Worth Growth (Annualized) Ratio of sums	11.7% 492‱ up	1.5% 60‱ up	4.5% 113‱ up	6.3% 186‱ up	8.5% 341‱ up	9.4% 371‱ up	11.8% 399‱ up	15.7% 895‱ up	— withheld	1.5% 44‱ up	4.5% 113‱ up	6.3% 186‱ up	8.5% 341‱ up	12.6% 530‱ up
Membership Growth (Annualized) Ratio of sums	5.11% 79‱ up	(1.32%) 87‱ up	(1.02%) (36‱) down	0.13% 68‱ up	1.82% 1‱ flat	3.20% 88‱ up	5.47% 89‱ up	9.33% 18‱ up	— withheld	(1.13%) 86‱ up	(1.02%) (36‱) down	0.13% 68‱ up	1.82% 1‱ flat	6.21% 81‱ up
Totals, summed
Total Assets Sum	$2.02T 12.9% up	$4.46B (10.4%) down	$37.92B (5.4%) down	$49.70B 2.8% up	$244.98B 3.9% up	$206.88B 8.3% up	$1.00T 11.4% up	$470.02B 28.7% up	— withheld	$4.16B (10.7%) down	$37.92B (5.4%) down	$49.70B 2.8% up	$244.98B 3.9% up	$1.68T 15.3% up
Total Loans Sum	$1.22T 5.8% up	$1.91B (16.9%) down	$16.62B (12.6%) down	$24.44B (3.5%) down	$138.96B (3.0%) down	$129.03B 2.2% up	$632.91B 5.0% up	$278.98B 17.7% up	— withheld	$1.79B (17.1%) down	$16.62B (12.6%) down	$24.44B (3.5%) down	$138.96B (3.0%) down	$1.04T 7.8% up
Total Shares and Deposits Sum	$1.75T 14.4% up	$3.75B (10.2%) down	$33.27B (4.8%) down	$43.79B 3.5% up	$216.78B 4.9% up	$181.46B 10.2% up	$869.54B 12.7% up	$400.00B 31.4% up	— withheld	$3.51B (10.4%) down	$33.27B (4.8%) down	$43.79B 3.5% up	$216.78B 4.9% up	$1.45T 17.0% up
Net Worth Sum	$206.55B 10.7% up	$683.4M (12.7%) down	$4.45B (9.7%) down	$5.51B (1.0%) down	$25.03B (0.3%) down	$20.89B 6.1% up	$102.20B 8.8% up	$47.79B 30.8% up	— withheld	$627.9M (13.3%) down	$4.45B (9.7%) down	$5.51B (1.0%) down	$25.03B (0.3%) down	$170.87B 13.8% up
Other
Average Loan Balance Ratio of sums	16186.6% (10,592‱) down	7202.9% 23,159‱ up	5132.4% (259,766‱) down	7617.4% (167,743‱) down	11649.1% (156,350‱) down	16717.0% 8,099‱ up	19022.5% 30,109‱ up	17528.2% 151,762‱ up	— withheld	7342.9% 22,578‱ up	5132.4% (259,766‱) down	7617.4% (167,743‱) down	11649.1% (156,350‱) down	18291.9% 59,562‱ up
Average Shares Per Member Ratio of sums	13593.7% 123,832‱ up	5135.5% 34,346‱ up	9061.7% 92,517‱ up	10306.4% 90,888‱ up	11998.5% 132,711‱ up	12722.6% 100,244‱ up	14770.8% 100,999‱ up	13897.1% 150,899‱ up	— withheld	5508.7% 40,630‱ up	9061.7% 92,517‱ up	10306.4% 90,888‱ up	11998.5% 132,711‱ up	14237.4% 113,575‱ up
Borrowers / Members Ratio of sums	58.7% 140‱ up	36.3% (152‱) down	88.2% 3,095‱ up	75.5% 1,502‱ up	66.0% 1,003‱ up	54.1% 12‱ up	56.5% (90‱) down	55.3% (493‱) down	— withheld	38.3% (127‱) down	88.2% 3,095‱ up	75.5% 1,502‱ up	66.0% 1,003‱ up	55.8% (180‱) down
Delinquent Loans / Assets Ratio of sums	0.3% (7‱) down	0.6% (15‱) down	0.3% (9‱) down	0.3% (9‱) down	0.3% (9‱) down	0.2% (12‱) down	0.2% (7‱) down	0.4% (4‱) down	— withheld	0.5% (15‱) down	0.3% (9‱) down	0.3% (9‱) down	0.3% (9‱) down	0.3% (7‱) down
Delinquent Loans / Net Worth Ratio of sums	2.7% (65‱) down	3.7% (87‱) down	2.7% (63‱) down	2.5% (69‱) down	2.5% (77‱) down	2.5% (116‱) down	2.2% (67‱) down	4.0% (51‱) down	— withheld	3.5% (86‱) down	2.7% (63‱) down	2.5% (69‱) down	2.5% (77‱) down	2.8% (63‱) down
Fixed Assets & Foreclosed Assets / Total Assets Ratio of sums	1.8% (16‱) down	0.5% (9‱) down	1.5% (17‱) down	2.0% (24‱) down	2.2% (22‱) down	2.3% (14‱) down	1.7% (9‱) down	1.5% (24‱) down	— withheld	0.5% (9‱) down	1.5% (17‱) down	2.0% (24‱) down	2.2% (22‱) down	1.7% (15‱) down
Gross Income / Average Assets Ratio of sums	4.3% (57‱) down	3.7% (57‱) down	3.8% (56‱) down	4.1% (52‱) down	4.3% (55‱) down	4.5% (45‱) down	4.3% (53‱) down	4.5% (80‱) down	— withheld	3.7% (57‱) down	3.8% (56‱) down	4.1% (52‱) down	4.3% (55‱) down	4.4% (59‱) down
Members / Full-Time Equivalent Employees Ratio of sums	402.4% 516‱ up	407.9% 761‱ up	421.0% 228‱ up	395.0% 1,479‱ up	345.6% (204‱) down	355.7% 487‱ up	397.2% 133‱ up	497.8% 448‱ up	— withheld	414.4% 1,017‱ up	421.0% 228‱ up	395.0% 1,479‱ up	345.6% (204‱) down	414.1% 502‱ up
Members / Potential Members Ratio of sums	3.0% (4‱) down	7.2% 27‱ up	3.5% 50‱ up	2.2% (40‱) down	2.4% (1‱) flat	2.5% (33‱) down	3.5% 54‱ up	2.8% (129‱) down	— withheld	6.9% (89‱) down	3.5% 50‱ up	2.2% (40‱) down	2.4% (1‱) flat	3.1% (6‱) down
Net Margin / Average Assets Ratio of sums	3.9% (27‱) down	3.4% (46‱) down	3.6% (41‱) down	3.8% (35‱) down	4.0% (33‱) down	4.1% (20‱) down	3.8% (21‱) down	4.0% (39‱) down	— withheld	3.4% (46‱) down	3.6% (41‱) down	3.8% (35‱) down	4.0% (33‱) down	3.9% (25‱) down
Net Operating Expense / Average Assets Ratio of sums	2.3% (21‱) down	2.9% (28‱) down	2.6% (32‱) down	2.6% (31‱) down	2.6% (29‱) down	2.6% (20‱) down	2.3% (14‱) down	2.2% (22‱) down	— withheld	2.9% (27‱) down	2.6% (32‱) down	2.6% (31‱) down	2.6% (29‱) down	2.3% (18‱) down
Other Non-Performing Assets / Total Assets Ratio of sums	0.0% (1‱) flat	0.0% (2‱) flat	0.0% (1‱) flat	0.0% (1‱) flat	0.0% (2‱) flat	0.0% (1‱) flat	0.0% (1‱) flat	0.0% 0‱ flat	— withheld	0.0% (2‱) 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	35.7% 124‱ up	79.3% 164‱ up	61.4% 239‱ up	53.5% 282‱ up	44.2% 281‱ up	39.0% 314‱ up	34.1% 120‱ up	29.0% 113‱ up	— withheld	78.5% 173‱ up	61.4% 239‱ up	53.5% 282‱ up	44.2% 281‱ up	33.3% 125‱ up
Salary And Benefits / Full-Time Equivalent Employee Ratio of sums	88231.6% 302,466‱ up	41766.2% (16,272‱) down	62466.7% 77,516‱ up	67042.4% 134,214‱ up	73305.0% 90,482‱ up	82524.6% 103,527‱ up	93967.3% 224,126‱ up	100249.1% 488,544‱ up	— withheld	45554.2% 41,407‱ up	62466.7% 77,516‱ up	67042.4% 134,214‱ up	73305.0% 90,482‱ up	93578.7% 284,119‱ up
Yield on Average Investments Ratio of sums	0.9% (56‱) down	0.7% (72‱) down	0.8% (72‱) down	0.9% (65‱) down	0.8% (58‱) down	0.9% (52‱) down	0.8% (61‱) down	1.0% (45‱) down	— withheld	0.7% (74‱) down	0.8% (72‱) down	0.9% (65‱) down	0.8% (58‱) down	0.9% (55‱) down

↑ ↓ against Q3 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, Q3 2020 and Q3 2021 · callseries release v2026.2.27, cut Oct 29, 2026 · peer groups peer-groups.yaml@74abeac

The files for Q3 2021

Accounts curated/accounts/quarter=2021Q3/data.parquet callbase
Account text curated/accounts_text/quarter=2021Q3/data.parquet callbase
Profiles curated/profiles/quarter=2021Q3/data.parquet callbase
Quorum, filer by filer index/quorum/quarter=2021Q3/data.parquet callbase
Peer aggregates releases/v2026.2.27/peer-quarter.parquet callseries

-- One ratio across every group, Q3 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 = '2021Q3'
  AND measure = 'delinquent_loans_to_total_loans'
ORDER BY peer_group;

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