Quarter · cycle date March 31, 2022

Q1 2022

✓ Quorum reached

Coverage

Filed, of expected

Filings held

Due

Rates at March 31, 2022 0.3% fed funds · 2-year 2.3% · 10-year 2.3%

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 2021 appears below each value.

The change compares Q1 2022’s members with Q1 2021’s, because credit unions are grouped by their assets in each quarter.

Q1 2022: each measure's statistic by peer group, with its change on Q1 2021
Measure	All FICUs 4,903 of 4,944	<$10M Withheld · 1,014 of 1,038	$10M–$50M 1,410 of 1,419	$50M–$100M 694 of 698	$100M–$500M 1,084 of 1,088	$500M–$1B 291 of 291	$1B–$10B 391 of 391	>$10B 19 of 19	NCUA Peer 1: <$2M 316 of 322	NCUA Peer 2: $2M–$10M Withheld · 698 of 716	NCUA Peer 3: $10M–$50M 1,410 of 1,419	NCUA Peer 4: $50M–$100M 694 of 698	NCUA Peer 5: $100M–$500M 1,084 of 1,088	NCUA Peer 6: >$500M 701 of 701
Asset quality
Delinquent Loans / Total Loans Ratio of sums	0.42% (4‱) down	— withheld	0.68% (4‱) down	0.54% (1‱) flat	0.41% (5‱) down	0.37% (7‱) down	0.34% (3‱) down	0.62% (3‱) down	2.60% —	— withheld	0.68% (4‱) down	0.54% (1‱) flat	0.41% (5‱) down	0.42% (4‱) down
Net Charge-Offs / Average Loans Ratio of sums	0.28% (4‱) down	— withheld	0.22% (5‱) down	0.20% (4‱) down	0.18% (5‱) down	0.21% (4‱) down	0.19% (6‱) down	0.57% 0‱ flat	0.80% —	— withheld	0.22% (5‱) down	0.20% (4‱) down	0.18% (5‱) down	0.29% (4‱) down
Provision for Loan/Lease Losses or Credit Loss Expense / Average Assets Ratio of sums	0.14% (1‱) flat	— withheld	0.07% 1‱ flat	0.08% 0‱ flat	0.07% (1‱) flat	0.09% (2‱) flat	0.08% (5‱) down	0.32% 5‱ up	0.19% —	— withheld	0.07% 1‱ flat	0.08% 0‱ flat	0.07% (1‱) flat	0.15% (2‱) flat
Capital
Net Worth / Total Assets for Prompt Corrective Action Ratio of sums	10.3% 16‱ up	— withheld	11.6% 1‱ flat	11.0% 6‱ up	10.2% 13‱ up	10.2% 15‱ up	10.2% 16‱ up	10.2% 22‱ up	18.0% —	— withheld	11.6% 1‱ flat	11.0% 6‱ up	10.2% 13‱ up	10.2% 18‱ up
Net Worth / Total Assets excluding CECL Transition Provision Ratio of sums	10.2% 19‱ up	— withheld	11.6% 3‱ up	11.0% 10‱ up	10.2% 18‱ up	10.1% 18‱ up	10.2% 19‱ up	10.1% 26‱ up	18.0% —	— withheld	11.6% 3‱ up	11.0% 10‱ up	10.2% 18‱ up	10.2% 21‱ up
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL Ratio of sums	10.7% 7‱ up	— withheld	11.9% 0‱ flat	11.3% 7‱ up	10.5% 12‱ up	10.5% 10‱ up	10.6% 10‱ up	10.8% (5‱) down	19.0% —	— withheld	11.9% 0‱ flat	11.3% 7‱ up	10.5% 12‱ up	10.6% 6‱ up
GAAP Equity / Total Assets Ratio of sums	9.2% (62‱) down	— withheld	11.4% (10‱) down	10.5% (21‱) down	9.3% (49‱) down	9.1% (61‱) down	9.2% (67‱) down	9.0% (63‱) down	18.0% —	— withheld	11.4% (10‱) down	10.5% (21‱) down	9.3% (49‱) down	9.1% (65‱) down
Liquidity and balance sheet
Cash + Short-Term Investments / Assets Ratio of sums	16.3% (415‱) down	— withheld	29.1% (568‱) down	23.8% (594‱) down	18.7% (488‱) down	14.7% (449‱) down	15.2% (418‱) down	16.0% (283‱) down	50.2% —	— withheld	29.1% (568‱) down	23.8% (594‱) down	18.7% (488‱) down	15.4% (384‱) down
Total Loans / Total Shares Ratio of sums	70.3% 149‱ up	— withheld	48.6% (51‱) down	55.2% 69‱ up	62.7% 14‱ up	71.1% 110‱ up	73.2% 153‱ up	70.8% 185‱ up	47.1% —	— withheld	48.6% (51‱) down	55.2% 69‱ up	62.7% 14‱ up	72.3% 156‱ up
Total Loans / Total Assets Ratio of sums	61.5% 167‱ up	— withheld	42.8% (41‱) down	48.9% 76‱ up	56.1% 52‱ up	63.0% 153‱ up	64.0% 177‱ up	60.8% 191‱ up	38.0% —	— withheld	42.8% (41‱) down	48.9% 76‱ up	56.1% 52‱ up	63.0% 176‱ up
Borrowings / Total Shares & Net Worth Ratio of sums	2.3% 6‱ up	— withheld	0.1% 2‱ flat	0.2% (8‱) down	0.6% (14‱) down	1.3% (25‱) down	2.3% 0‱ flat	4.0% 25‱ up	0.1% —	— withheld	0.1% 2‱ flat	0.2% (8‱) down	0.6% (14‱) down	2.6% 6‱ up
Earnings, annualized
Return on Average Assets (ROAA) Ratio of sums	0.87% (17‱) down	— withheld	0.29% 0‱ flat	0.53% 2‱ flat	0.63% 1‱ flat	0.72% (11‱) down	0.95% (13‱) down	0.97% (45‱) down	0.21% —	— withheld	0.29% 0‱ flat	0.53% 2‱ flat	0.63% 1‱ flat	0.93% (21‱) down
Net Interest Margin / Average Assets Ratio of sums	2.6% 1‱ flat	— withheld	2.4% (18‱) down	2.5% (11‱) down	2.5% (5‱) down	2.6% (2‱) flat	2.5% 2‱ flat	2.8% 3‱ up	2.7% —	— withheld	2.4% (18‱) down	2.5% (11‱) down	2.5% (5‱) down	2.6% 2‱ flat
Yield on Average Loans Ratio of sums	4.3% (22‱) down	— withheld	5.1% (23‱) down	4.7% (26‱) down	4.4% (23‱) down	4.2% (25‱) down	4.0% (21‱) down	4.7% (23‱) down	6.9% —	— withheld	5.1% (23‱) down	4.7% (26‱) down	4.4% (23‱) down	4.2% (22‱) down
Cost of Funds / Average Assets Ratio of sums	0.35% (13‱) down	— withheld	0.20% (8‱) down	0.21% (8‱) down	0.25% (10‱) down	0.31% (10‱) down	0.35% (14‱) down	0.43% (15‱) down	0.25% —	— withheld	0.20% (8‱) down	0.21% (8‱) down	0.25% (10‱) down	0.37% (14‱) down
Fee & Other Operating Income / Average Assets Ratio of sums	1.10% (18‱) down	— withheld	0.92% 8‱ up	1.14% 6‱ up	1.24% (3‱) down	1.31% (7‱) down	1.14% (20‱) down	0.88% (31‱) down	0.47% —	— withheld	0.92% 8‱ up	1.14% 6‱ up	1.24% (3‱) down	1.08% (22‱) down
Non-Interest Expense / Average Assets Ratio of sums	2.7% (3‱) down	— withheld	3.0% (5‱) down	3.1% (3‱) down	3.1% (5‱) down	3.1% (3‱) down	2.7% (3‱) down	2.4% 3‱ up	3.7% —	— withheld	3.0% (5‱) down	3.1% (3‱) down	3.1% (5‱) down	2.7% (2‱) flat
Non-Interest Expense / Gross Income Ratio of sums	67.8% 410‱ up	— withheld	87.1% 286‱ up	81.3% 178‱ up	78.2% 205‱ up	74.5% 270‱ up	67.1% 427‱ up	58.7% 635‱ up	108.8% —	— withheld	87.1% 286‱ up	81.3% 178‱ up	78.2% 205‱ up	65.6% 460‱ up
Growth, annualized year to date
Asset Growth (Annualized) Ratio of sums	11.3% (1,174‱) down	— withheld	8.5% (1,398‱) down	9.6% (1,507‱) down	9.5% (1,629‱) down	10.1% (1,393‱) down	10.6% (1,219‱) down	14.7% (691‱) down	1.8% —	— withheld	8.5% (1,398‱) down	9.6% (1,507‱) down	9.5% (1,629‱) down	11.7% (1,094‱) down
Loan Growth (Annualized) Ratio of sums	14.8% 1,357‱ up	— withheld	2.4% 446‱ up	6.7% 637‱ up	8.1% 599‱ up	12.5% 810‱ up	14.9% 1,293‱ up	20.2% 2,230‱ up	(10.0%) —	— withheld	2.4% 446‱ up	6.7% 637‱ up	8.1% 599‱ up	16.1% 1,484‱ up
Share Growth (Annualized) Ratio of sums	14.2% (1,284‱) down	— withheld	9.9% (1,567‱) down	11.7% (1,628‱) down	12.6% (1,646‱) down	13.1% (1,504‱) down	13.3% (1,331‱) down	18.2% (829‱) down	3.3% —	— withheld	9.9% (1,567‱) down	11.7% (1,628‱) down	12.6% (1,646‱) down	14.6% (1,215‱) down
Net Worth Growth (Annualized) Ratio of sums	9.1% (158‱) down	— withheld	2.7% 12‱ up	5.1% 58‱ up	6.7% (56‱) down	7.8% (180‱) down	9.5% (147‱) down	11.3% (324‱) down	0.1% —	— withheld	2.7% 12‱ up	5.1% 58‱ up	6.7% (56‱) down	9.8% (195‱) down
Membership Growth (Annualized) Ratio of sums	4.72% (28‱) down	— withheld	(0.91%) 7‱ up	(0.37%) (35‱) down	0.54% (159‱) down	2.70% (180‱) down	5.45% 80‱ up	8.21% (165‱) down	(1.50%) —	— withheld	(0.91%) 7‱ up	(0.37%) (35‱) down	0.54% (159‱) down	5.86% (19‱) down
Totals, summed
Total Assets Sum	$2.12T 8.7% up	— withheld	$36.64B (5.7%) down	$50.54B 0.9% up	$247.87B 2.0% up	$209.20B 2.2% up	$1.07T 10.4% up	$499.26B 13.9% up	$292.9M —	— withheld	$36.64B (5.7%) down	$50.54B 0.9% up	$247.87B 2.0% up	$1.78T 10.3% up
Total Loans Sum	$1.30T 11.7% up	— withheld	$15.68B (6.6%) down	$24.72B 2.5% up	$138.95B 2.9% up	$131.80B 4.8% up	$685.32B 13.5% up	$303.43B 17.6% up	$111.3M —	— withheld	$15.68B (6.6%) down	$24.72B 2.5% up	$138.95B 2.9% up	$1.12T 13.5% up
Total Shares and Deposits Sum	$1.85T 9.3% up	— withheld	$32.26B (5.6%) down	$44.81B 1.2% up	$221.44B 2.7% up	$185.30B 3.2% up	$935.80B 11.1% up	$428.58B 14.5% up	$236.3M —	— withheld	$32.26B (5.6%) down	$44.81B 1.2% up	$221.44B 2.7% up	$1.55T 11.0% up
Net Worth Sum	$216.35B 10.8% up	— withheld	$4.26B (5.5%) down	$5.54B 1.9% up	$25.22B 3.8% up	$21.14B 4.1% up	$109.01B 12.5% up	$50.53B 16.9% up	$52.7M —	— withheld	$4.26B (5.5%) down	$5.54B 1.9% up	$25.22B 3.8% up	$180.67B 12.6% up
Other
Average Loan Balance Ratio of sums	16345.8% 18,477‱ up	— withheld	4276.0% (192,946‱) down	6677.7% (145,774‱) down	10798.1% (160,192‱) down	16992.4% 60,494‱ up	19712.8% 96,555‱ up	18241.0% 147,714‱ up	5777.9% —	— withheld	4276.0% (192,946‱) down	6677.7% (145,774‱) down	10798.1% (160,192‱) down	18942.2% 107,500‱ up
Average Shares Per Member Ratio of sums	14135.1% 66,235‱ up	— withheld	9383.9% 47,388‱ up	10796.7% 53,190‱ up	12616.6% 78,967‱ up	13257.2% 64,073‱ up	15261.7% 53,755‱ up	14335.4% 55,165‱ up	2677.8% —	— withheld	9383.9% 47,388‱ up	10796.7% 53,190‱ up	12616.6% 78,967‱ up	14732.1% 57,138‱ up
Borrowers / Members Ratio of sums	60.8% 343‱ up	— withheld	106.7% 3,616‱ up	89.2% 2,046‱ up	73.3% 1,360‱ up	55.5% 158‱ up	56.7% 38‱ up	55.6% (105‱) down	21.8% —	— withheld	106.7% 3,616‱ up	89.2% 2,046‱ up	73.3% 1,360‱ up	56.2% 17‱ up
Delinquent Loans / Assets Ratio of sums	0.3% (2‱) flat	— withheld	0.3% (2‱) flat	0.3% 0‱ flat	0.2% (2‱) flat	0.2% (4‱) down	0.2% (1‱) flat	0.4% (1‱) flat	1.0% —	— withheld	0.3% (2‱) flat	0.3% 0‱ flat	0.2% (2‱) flat	0.3% (1‱) flat
Delinquent Loans / Net Worth Ratio of sums	2.5% (20‱) down	— withheld	2.5% (19‱) down	2.4% (2‱) flat	2.2% (28‱) down	2.3% (42‱) down	2.1% (19‱) down	3.7% (18‱) down	5.5% —	— withheld	2.5% (19‱) down	2.4% (2‱) flat	2.2% (28‱) down	2.6% (20‱) down
Fixed Assets & Foreclosed Assets / Total Assets Ratio of sums	1.8% (3‱) down	— withheld	1.5% (7‱) down	2.0% (5‱) down	2.2% (6‱) down	2.3% (3‱) down	1.7% 3‱ up	1.5% (10‱) down	0.3% —	— withheld	1.5% (7‱) down	2.0% (5‱) down	2.2% (6‱) down	1.7% (2‱) flat
Gross Income / Average Assets Ratio of sums	4.0% (30‱) down	— withheld	3.5% (17‱) down	3.8% (12‱) down	4.0% (18‱) down	4.2% (20‱) down	4.0% (32‱) down	4.1% (43‱) down	3.4% —	— withheld	3.5% (17‱) down	3.8% (12‱) down	4.0% (18‱) down	4.0% (33‱) down
Members / Full-Time Equivalent Employees Ratio of sums	399.7% 51‱ up	— withheld	421.2% 181‱ up	392.9% 287‱ up	342.9% (343‱) down	349.8% (387‱) down	396.3% 306‱ up	492.7% (510‱) down	391.3% —	— withheld	421.2% 181‱ up	392.9% 287‱ up	342.9% (343‱) down	412.0% 158‱ up
Members / Potential Members Ratio of sums	3.0% (1‱) flat	— withheld	3.3% (20‱) down	2.2% (7‱) down	2.3% (21‱) down	2.4% (7‱) down	3.5% 1‱ flat	2.9% 16‱ up	13.9% —	— withheld	3.3% (20‱) down	2.2% (7‱) down	2.3% (21‱) down	3.1% 5‱ up
Net Margin / Average Assets Ratio of sums	3.7% (18‱) down	— withheld	3.3% (10‱) down	3.6% (5‱) down	3.8% (8‱) down	3.9% (9‱) down	3.6% (18‱) down	3.7% (28‱) down	3.1% —	— withheld	3.3% (10‱) down	3.6% (5‱) down	3.8% (8‱) down	3.7% (20‱) down
Net Operating Expense / Average Assets Ratio of sums	2.3% (2‱) flat	— withheld	2.5% (4‱) down	2.5% (3‱) down	2.5% (3‱) down	2.6% (3‱) down	2.2% (2‱) flat	2.1% 1‱ flat	3.4% —	— withheld	2.5% (4‱) down	2.5% (3‱) down	2.5% (3‱) down	2.2% (2‱) flat
Other Non-Performing Assets / Total Assets Ratio of sums	0.0% 0‱ flat	— withheld	0.0% (1‱) flat	0.0% (1‱) flat	0.0% (1‱) flat	0.0% (1‱) flat	0.0% 0‱ flat	0.0% 0‱ flat	0.0% —	— withheld	0.0% (1‱) flat	0.0% (1‱) flat	0.0% (1‱) flat	0.0% 0‱ flat
Regular Shares / Total Shares & Borrowings Ratio of sums	36.1% 5‱ up	— withheld	62.3% 194‱ up	53.9% 188‱ up	45.1% 195‱ up	39.1% 86‱ up	34.6% 24‱ up	29.6% (88‱) down	92.3% —	— withheld	62.3% 194‱ up	53.9% 188‱ up	45.1% 195‱ up	33.7% (7‱) down
Salary And Benefits / Full-Time Equivalent Employee Ratio of sums	91230.0% 308,118‱ up	— withheld	63892.5% 217,077‱ up	68696.4% 237,542‱ up	76006.1% 288,165‱ up	84220.9% 174,944‱ up	96768.5% 247,756‱ up	104782.1% 380,774‱ up	22510.6% —	— withheld	63892.5% 217,077‱ up	68696.4% 237,542‱ up	76006.1% 288,165‱ up	96709.3% 288,144‱ up
Yield on Average Investments Ratio of sums	0.9% 9‱ up	— withheld	0.7% (19‱) down	0.8% (9‱) down	0.8% 6‱ up	0.9% 12‱ up	0.9% 11‱ up	1.1% 10‱ up	0.4% —	— withheld	0.7% (19‱) down	0.8% (9‱) down	0.8% 6‱ up	0.9% 11‱ up

↑ ↓ against Q1 2021 · → 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 Q1 2021 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 2021 and Q1 2022 · callseries release v2026.2.27, cut Oct 29, 2026 · peer groups peer-groups.yaml@74abeac

The files for Q1 2022

Accounts curated/accounts/quarter=2022Q1/data.parquet callbase
Account text curated/accounts_text/quarter=2022Q1/data.parquet callbase
Profiles curated/profiles/quarter=2022Q1/data.parquet callbase
Quorum, filer by filer index/quorum/quarter=2022Q1/data.parquet callbase
Peer aggregates releases/v2026.2.27/peer-quarter.parquet callseries

-- One ratio across every group, Q1 2022, 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 = '2022Q1'
  AND measure = 'delinquent_loans_to_total_loans'
ORDER BY peer_group;

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