Quarter · cycle date December 31, 2021

Q4 2021

✓ Quorum reached

Coverage

Filed, of expected

Filings held

Due

Rates at December 31, 2021 0.1% fed funds · 2-year 0.7% · 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 Q4 2020 appears below each value.

The change compares Q4 2021’s members with Q4 2020’s, because credit unions are grouped by their assets in each quarter.

Q4 2021: each measure's statistic by peer group, with its change on Q4 2020
Measure	All FICUs 4,942 of 4,991	<$10M Withheld · 1,040 of 1,064	$10M–$50M 1,446 of 1,464	$50M–$100M 683 of 686	$100M–$500M 1,082 of 1,085	$500M–$1B 287 of 288	$1B–$10B 385 of 385	>$10B 19 of 19	NCUA Peer 1: <$2M Withheld · 322 of 331	NCUA Peer 2: $2M–$10M Withheld · 718 of 733	NCUA Peer 3: $10M–$50M 1,446 of 1,464	NCUA Peer 4: $50M–$100M 683 of 686	NCUA Peer 5: $100M–$500M 1,082 of 1,085	NCUA Peer 6: >$500M 691 of 692
Asset quality
Delinquent Loans / Total Loans Ratio of sums	0.49% (11‱) down	— withheld	0.76% (19‱) down	0.61% (9‱) down	0.47% (14‱) down	0.41% (18‱) down	0.39% (10‱) down	0.73% (10‱) down	— withheld	— withheld	0.76% (19‱) down	0.61% (9‱) down	0.47% (14‱) down	0.48% (10‱) down
Net Charge-Offs / Average Loans Ratio of sums	0.26% (19‱) down	— withheld	0.23% (14‱) down	0.21% (14‱) down	0.18% (17‱) down	0.19% (19‱) down	0.20% (15‱) down	0.49% (33‱) down	— withheld	— withheld	0.23% (14‱) down	0.21% (14‱) down	0.18% (17‱) down	0.27% (20‱) down
Provision for Loan/Lease Losses or Credit Loss Expense / Average Assets Ratio of sums	0.06% (44‱) down	— withheld	0.08% (9‱) down	0.08% (11‱) down	0.06% (20‱) down	0.08% (28‱) down	0.06% (35‱) down	0.05% (93‱) down	— withheld	— withheld	0.08% (9‱) down	0.08% (11‱) down	0.06% (20‱) down	0.06% (50‱) down
Capital
Net Worth / Total Assets for Prompt Corrective Action Ratio of sums	10.3% (7‱) down	— withheld	11.7% (37‱) down	11.1% (27‱) down	10.3% (24‱) down	10.2% (9‱) down	10.3% (13‱) down	10.3% 27‱ up	— withheld	— withheld	11.7% (37‱) down	11.1% (27‱) down	10.3% (24‱) down	10.3% (2‱) flat
Net Worth / Total Assets excluding CECL Transition Provision Ratio of sums	10.3% (6‱) down	— withheld	11.7% (36‱) down	11.1% (25‱) down	10.2% (22‱) down	10.2% (6‱) down	10.2% (12‱) down	10.2% 30‱ up	— withheld	— withheld	11.7% (36‱) down	11.1% (25‱) down	10.2% (22‱) down	10.2% 0‱ flat
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL Ratio of sums	10.7% (20‱) down	— withheld	12.0% (41‱) down	11.4% (30‱) down	10.6% (30‱) down	10.6% (16‱) down	10.7% (22‱) down	10.9% (8‱) down	— withheld	— withheld	12.0% (41‱) down	11.4% (30‱) down	10.6% (30‱) down	10.7% (17‱) down
GAAP Equity / Total Assets Ratio of sums	10.0% (35‱) down	— withheld	11.6% (41‱) down	10.9% (35‱) down	9.9% (42‱) down	9.9% (33‱) down	9.9% (43‱) down	10.0% (9‱) down	— withheld	— withheld	11.6% (41‱) down	10.9% (35‱) down	9.9% (42‱) down	9.9% (33‱) down
Liquidity and balance sheet
Cash + Short-Term Investments / Assets Ratio of sums	17.1% (126‱) down	— withheld	30.1% (258‱) down	24.5% (299‱) down	19.3% (200‱) down	15.8% (121‱) down	16.1% (110‱) down	16.9% (47‱) down	— withheld	— withheld	30.1% (258‱) down	24.5% (299‱) down	19.3% (200‱) down	16.3% (93‱) down
Total Loans / Total Shares Ratio of sums	70.2% (306‱) down	— withheld	49.7% (295‱) down	55.8% (260‱) down	63.7% (361‱) down	70.9% (406‱) down	73.0% (319‱) down	70.5% (289‱) down	— withheld	— withheld	49.7% (295‱) down	55.8% (260‱) down	63.7% (361‱) down	72.0% (324‱) down
Total Loans / Total Assets Ratio of sums	60.9% (211‱) down	— withheld	43.7% (236‱) down	49.2% (203‱) down	56.5% (277‱) down	62.3% (267‱) down	63.4% (215‱) down	60.0% (188‱) down	— withheld	— withheld	43.7% (236‱) down	49.2% (203‱) down	56.5% (277‱) down	62.3% (220‱) down
Borrowings / Total Shares & Net Worth Ratio of sums	2.2% (31‱) down	— withheld	0.1% 0‱ flat	0.2% (13‱) down	0.6% (17‱) down	1.3% (84‱) down	2.2% (33‱) down	3.9% (46‱) down	— withheld	— withheld	0.1% 0‱ flat	0.2% (13‱) down	0.6% (17‱) down	2.6% (39‱) down
Earnings, annualized
Return on Average Assets (ROAA) Ratio of sums	1.07% 37‱ up	— withheld	0.44% 9‱ up	0.63% 17‱ up	0.74% 22‱ up	0.86% 25‱ up	1.08% 27‱ up	1.41% 73‱ up	— withheld	— withheld	0.44% 9‱ up	0.63% 17‱ up	0.74% 22‱ up	1.15% 40‱ up
Net Interest Margin / Average Assets Ratio of sums	2.6% (24‱) down	— withheld	2.5% (46‱) down	2.6% (37‱) down	2.6% (32‱) down	2.7% (26‱) down	2.5% (20‱) down	2.8% (23‱) down	— withheld	— withheld	2.5% (46‱) down	2.6% (37‱) down	2.6% (32‱) down	2.6% (21‱) down
Yield on Average Loans Ratio of sums	4.4% (34‱) down	— withheld	5.3% (22‱) down	4.9% (24‱) down	4.6% (28‱) down	4.4% (30‱) down	4.1% (29‱) down	4.7% (52‱) down	— withheld	— withheld	5.3% (22‱) down	4.9% (24‱) down	4.6% (28‱) down	4.3% (34‱) down
Cost of Funds / Average Assets Ratio of sums	0.43% (28‱) down	— withheld	0.25% (15‱) down	0.26% (15‱) down	0.32% (19‱) down	0.37% (23‱) down	0.45% (28‱) down	0.51% (39‱) down	— withheld	— withheld	0.25% (15‱) down	0.26% (15‱) down	0.32% (19‱) down	0.46% (30‱) down
Fee & Other Operating Income / Average Assets Ratio of sums	1.30% (2‱) flat	— withheld	0.99% 10‱ up	1.22% 9‱ up	1.36% 2‱ flat	1.41% 1‱ flat	1.32% (6‱) down	1.20% (1‱) flat	— withheld	— withheld	0.99% 10‱ up	1.22% 9‱ up	1.36% 2‱ flat	1.30% (4‱) down
Non-Interest Expense / Average Assets Ratio of sums	2.8% (18‱) down	— withheld	3.1% (30‱) down	3.2% (27‱) down	3.2% (28‱) down	3.2% (23‱) down	2.8% (13‱) down	2.5% (13‱) down	— withheld	— withheld	3.1% (30‱) down	3.2% (27‱) down	3.2% (28‱) down	2.7% (15‱) down
Non-Interest Expense / Gross Income Ratio of sums	65.4% 344‱ up	— withheld	82.8% 285‱ up	78.7% 152‱ up	75.9% 214‱ up	72.3% 248‱ up	64.8% 444‱ up	56.0% 434‱ up	— withheld	— withheld	82.8% 285‱ up	78.7% 152‱ up	75.9% 214‱ up	63.2% 396‱ up
Growth, annualized year to date
Asset Growth (Annualized) Ratio of sums	12.1% (609‱) down	— withheld	8.2% (581‱) down	9.4% (604‱) down	10.8% (606‱) down	11.0% (609‱) down	12.3% (648‱) down	13.3% (558‱) down	— withheld	— withheld	8.2% (581‱) down	9.4% (604‱) down	10.8% (606‱) down	12.4% (616‱) down
Loan Growth (Annualized) Ratio of sums	8.3% 293‱ up	— withheld	3.1% 432‱ up	5.6% 365‱ up	6.8% 257‱ up	8.3% 227‱ up	8.7% 254‱ up	8.6% 391‱ up	— withheld	— withheld	3.1% 432‱ up	5.6% 365‱ up	6.8% 257‱ up	8.6% 286‱ up
Share Growth (Annualized) Ratio of sums	13.0% (771‱) down	— withheld	8.8% (688‱) down	10.1% (703‱) down	11.7% (703‱) down	12.2% (708‱) down	13.4% (770‱) down	14.2% (911‱) down	— withheld	— withheld	8.8% (688‱) down	10.1% (703‱) down	11.7% (703‱) down	13.5% (795‱) down
Net Worth Growth (Annualized) Ratio of sums	11.5% 427‱ up	— withheld	4.0% 114‱ up	5.9% 182‱ up	8.3% 288‱ up	9.5% 313‱ up	11.9% 369‱ up	14.9% 710‱ up	— withheld	— withheld	4.0% 114‱ up	5.9% 182‱ up	8.3% 288‱ up	12.5% 458‱ up
Membership Growth (Annualized) Ratio of sums	4.70% 90‱ up	— withheld	(1.19%) (17‱) down	(0.18%) 56‱ up	1.21% 51‱ up	2.62% 59‱ up	5.09% 112‱ up	8.90% 10‱ up	— withheld	— withheld	(1.19%) (17‱) down	(0.18%) 56‱ up	1.21% 51‱ up	5.80% 87‱ up
Totals, summed
Total Assets Sum	$2.06T 11.7% up	— withheld	$37.59B (4.9%) down	$49.58B 0.3% up	$246.05B 3.6% up	$204.56B 3.8% up	$1.04T 12.7% up	$481.53B 21.4% up	— withheld	— withheld	$37.59B (4.9%) down	$49.58B 0.3% up	$246.05B 3.6% up	$1.72T 13.8% up
Total Loans Sum	$1.26T 8.0% up	— withheld	$16.42B (9.8%) down	$24.39B (3.6%) down	$139.01B (1.3%) down	$127.48B (0.4%) down	$657.21B 9.0% up	$288.85B 17.7% up	— withheld	— withheld	$16.42B (9.8%) down	$24.39B (3.6%) down	$139.01B (1.3%) down	$1.07T 10.0% up
Total Shares and Deposits Sum	$1.79T 12.7% up	— withheld	$33.01B (4.4%) down	$43.73B 0.9% up	$218.16B 4.3% up	$179.84B 5.3% up	$900.36B 13.8% up	$409.90B 22.5% up	— withheld	— withheld	$33.01B (4.4%) down	$43.73B 0.9% up	$218.16B 4.3% up	$1.49T 14.9% up
Net Worth Sum	$211.56B 11.1% up	— withheld	$4.41B (7.7%) down	$5.49B (1.9%) down	$25.15B 1.4% up	$20.84B 3.3% up	$105.86B 11.5% up	$49.14B 25.0% up	— withheld	— withheld	$4.41B (7.7%) down	$5.49B (1.9%) down	$25.15B 1.4% up	$175.84B 13.9% up
Other
Average Loan Balance Ratio of sums	16119.3% (5,989‱) down	— withheld	4658.5% (230,524‱) down	7121.6% (153,369‱) down	11176.7% (162,991‱) down	16689.9% (536‱) down	19288.0% 67,003‱ up	17490.5% 109,854‱ up	— withheld	— withheld	4658.5% (230,524‱) down	7121.6% (153,369‱) down	11176.7% (162,991‱) down	18437.3% 69,314‱ up
Average Shares Per Member Ratio of sums	13808.5% 103,603‱ up	— withheld	9159.9% 78,061‱ up	10532.4% 81,622‱ up	12217.0% 112,301‱ up	13016.3% 93,001‱ up	14980.0% 95,292‱ up	13992.0% 86,936‱ up	— withheld	— withheld	9159.9% 78,061‱ up	10532.4% 81,622‱ up	12217.0% 112,301‱ up	14436.7% 93,535‱ up
Borrowers / Members Ratio of sums	60.1% 230‱ up	— withheld	97.8% 3,441‱ up	82.5% 1,695‱ up	69.6% 1,132‱ up	55.3% 102‱ up	56.7% (70‱) down	56.4% (235‱) down	— withheld	— withheld	97.8% 3,441‱ up	82.5% 1,695‱ up	69.6% 1,132‱ up	56.4% (87‱) down
Delinquent Loans / Assets Ratio of sums	0.3% (8‱) down	— withheld	0.3% (10‱) down	0.3% (6‱) down	0.3% (9‱) down	0.3% (13‱) down	0.2% (7‱) down	0.4% (8‱) down	— withheld	— withheld	0.3% (10‱) down	0.3% (6‱) down	0.3% (9‱) down	0.3% (8‱) down
Delinquent Loans / Net Worth Ratio of sums	2.9% (76‱) down	— withheld	2.8% (77‱) down	2.7% (48‱) down	2.6% (84‱) down	2.5% (124‱) down	2.4% (67‱) down	4.3% (91‱) down	— withheld	— withheld	2.8% (77‱) down	2.7% (48‱) down	2.6% (84‱) down	3.0% (76‱) down
Fixed Assets & Foreclosed Assets / Total Assets Ratio of sums	1.7% (14‱) down	— withheld	1.5% (16‱) down	2.0% (15‱) down	2.2% (20‱) down	2.2% (15‱) down	1.7% (8‱) down	1.5% (19‱) down	— withheld	— withheld	1.5% (16‱) down	2.0% (15‱) down	2.2% (20‱) down	1.7% (13‱) down
Gross Income / Average Assets Ratio of sums	4.3% (54‱) down	— withheld	3.8% (51‱) down	4.1% (43‱) down	4.3% (50‱) down	4.4% (49‱) down	4.3% (54‱) down	4.5% (63‱) down	— withheld	— withheld	3.8% (51‱) down	4.1% (43‱) down	4.3% (50‱) down	4.3% (56‱) down
Members / Full-Time Equivalent Employees Ratio of sums	401.2% 513‱ up	— withheld	420.9% 222‱ up	392.4% 1,034‱ up	344.4% 28‱ up	352.5% 272‱ up	396.2% 295‱ up	494.6% (366‱) down	— withheld	— withheld	420.9% 222‱ up	392.4% 1,034‱ up	344.4% 28‱ up	412.7% 402‱ up
Members / Potential Members Ratio of sums	2.9% (3‱) down	— withheld	3.4% 38‱ up	2.2% (37‱) down	2.3% (2‱) flat	2.4% (32‱) down	3.5% (7‱) down	2.9% 17‱ up	— withheld	— withheld	3.4% 38‱ up	2.2% (37‱) down	2.3% (2‱) flat	3.1% (4‱) down
Net Margin / Average Assets Ratio of sums	3.9% (26‱) down	— withheld	3.5% (36‱) down	3.8% (28‱) down	4.0% (30‱) down	4.1% (25‱) down	3.8% (26‱) down	4.0% (24‱) down	— withheld	— withheld	3.5% (36‱) down	3.8% (28‱) down	4.0% (30‱) down	3.9% (25‱) down
Net Operating Expense / Average Assets Ratio of sums	2.4% (17‱) down	— withheld	2.6% (28‱) down	2.6% (26‱) down	2.6% (23‱) down	2.6% (21‱) down	2.3% (12‱) down	2.2% (14‱) down	— withheld	— withheld	2.6% (28‱) down	2.6% (26‱) down	2.6% (23‱) down	2.3% (14‱) down
Other Non-Performing Assets / Total Assets Ratio of sums	0.0% (1‱) flat	— withheld	0.0% (1‱) flat	0.0% (1‱) flat	0.0% (2‱) flat	0.0% (2‱) flat	0.0% (1‱) flat	0.0% 0‱ flat	— withheld	— withheld	0.0% (1‱) flat	0.0% (1‱) flat	0.0% (2‱) flat	0.0% (1‱) flat
Regular Shares / Total Shares & Borrowings Ratio of sums	35.8% 98‱ up	— withheld	61.8% 244‱ up	53.3% 273‱ up	44.2% 263‱ up	38.9% 277‱ up	34.3% 158‱ up	29.2% (87‱) down	— withheld	— withheld	61.8% 244‱ up	53.3% 273‱ up	44.2% 263‱ up	33.4% 96‱ up
Salary And Benefits / Full-Time Equivalent Employee Ratio of sums	88739.2% 322,659‱ up	— withheld	63644.9% 104,030‱ up	68407.1% 158,012‱ up	74033.2% 157,901‱ up	82259.3% 29,877‱ up	94324.1% 274,529‱ up	100215.9% 374,563‱ up	— withheld	— withheld	63644.9% 104,030‱ up	68407.1% 158,012‱ up	74033.2% 157,901‱ up	93828.3% 283,861‱ up
Yield on Average Investments Ratio of sums	0.9% (46‱) down	— withheld	0.8% (63‱) down	0.9% (55‱) down	0.8% (47‱) down	0.9% (42‱) down	0.9% (48‱) down	1.0% (39‱) down	— withheld	— withheld	0.8% (63‱) down	0.9% (55‱) down	0.8% (47‱) down	0.9% (45‱) down

↑ ↓ against Q4 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, Q4 2020 and Q4 2021 · callseries release v2026.2.27, cut Oct 29, 2026 · peer groups peer-groups.yaml@74abeac

The files for Q4 2021

Accounts curated/accounts/quarter=2021Q4/data.parquet callbase
Account text curated/accounts_text/quarter=2021Q4/data.parquet callbase
Profiles curated/profiles/quarter=2021Q4/data.parquet callbase
Quorum, filer by filer index/quorum/quarter=2021Q4/data.parquet callbase
Peer aggregates releases/v2026.2.27/peer-quarter.parquet callseries

-- One ratio across every group, Q4 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 = '2021Q4'
  AND measure = 'delinquent_loans_to_total_loans'
ORDER BY peer_group;

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