Quarter · cycle date June 30, 2022

Q2 2022

✓ Quorum reached

Coverage

Filed, of expected

Filings held

Due

Rates at June 30, 2022 1.6% fed funds · 2-year 2.9% · 10-year 3.0%

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 2021 appears below each value.

The change compares Q2 2022’s members with Q2 2021’s, because credit unions are grouped by their assets in each quarter.

Q2 2022: each measure's statistic by peer group, with its change on Q2 2021
Measure	All FICUs 4,853 of 4,903	<$10M 990 of 1,008	$10M–$50M 1,393 of 1,417	$50M–$100M 684 of 689	$100M–$500M 1,083 of 1,085	$500M–$1B 291 of 292	$1B–$10B 391 of 391	>$10B 21 of 21	NCUA Peer 1: <$2M Withheld · 308 of 317	NCUA Peer 2: $2M–$10M 682 of 691	NCUA Peer 3: $10M–$50M 1,393 of 1,417	NCUA Peer 4: $50M–$100M 684 of 689	NCUA Peer 5: $100M–$500M 1,083 of 1,085	NCUA Peer 6: >$500M 703 of 704
Asset quality
Delinquent Loans / Total Loans Ratio of sums	0.48% 2‱ flat	1.39% 12‱ up	0.77% 7‱ up	0.58% 6‱ up	0.46% 1‱ flat	0.44% 3‱ up	0.37% 1‱ flat	0.71% 5‱ up	— withheld	1.29% 12‱ up	0.77% 7‱ up	0.58% 6‱ up	0.46% 1‱ flat	0.48% 3‱ up
Net Charge-Offs / Average Loans Ratio of sums	0.28% 1‱ flat	0.31% (5‱) down	0.22% (2‱) flat	0.21% 0‱ flat	0.18% (1‱) flat	0.19% (3‱) down	0.19% (2‱) flat	0.57% 6‱ up	— withheld	0.28% (8‱) down	0.22% (2‱) flat	0.21% 0‱ flat	0.18% (1‱) flat	0.30% 1‱ flat
Provision for Loan/Lease Losses or Credit Loss Expense / Average Assets Ratio of sums	0.16% 9‱ up	0.12% 3‱ up	0.09% 3‱ up	0.09% 2‱ flat	0.09% 3‱ up	0.12% 3‱ up	0.11% 3‱ up	0.34% 30‱ up	— withheld	0.12% 3‱ up	0.09% 3‱ up	0.09% 2‱ flat	0.09% 3‱ up	0.18% 11‱ up
Capital
Net Worth / Total Assets for Prompt Corrective Action Ratio of sums	10.5% 24‱ up	15.6% 38‱ up	11.7% 10‱ up	11.2% 17‱ up	10.4% 28‱ up	10.5% 38‱ up	10.5% 27‱ up	10.3% 13‱ up	— withheld	15.4% 38‱ up	11.7% 10‱ up	11.2% 17‱ up	10.4% 28‱ up	10.4% 24‱ up
Net Worth / Total Assets excluding CECL Transition Provision Ratio of sums	10.4% 25‱ up	15.6% 39‱ up	11.7% 12‱ up	11.2% 20‱ up	10.4% 33‱ up	10.4% 39‱ up	10.4% 29‱ up	10.3% 14‱ up	— withheld	15.4% 39‱ up	11.7% 12‱ up	11.2% 20‱ up	10.4% 33‱ up	10.4% 26‱ up
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL Ratio of sums	10.9% 16‱ up	16.1% 37‱ up	12.0% 10‱ up	11.5% 17‱ up	10.7% 29‱ up	10.8% 34‱ up	10.8% 21‱ up	10.9% (4‱) down	— withheld	15.9% 38‱ up	12.0% 10‱ up	11.5% 17‱ up	10.7% 29‱ up	10.8% 15‱ up
GAAP Equity / Total Assets Ratio of sums	8.9% (117‱) down	15.4% 31‱ up	11.4% (12‱) down	10.5% (42‱) down	9.0% (87‱) down	8.6% (125‱) down	8.8% (121‱) down	8.7% (133‱) down	— withheld	15.3% 30‱ up	11.4% (12‱) down	10.5% (42‱) down	9.0% (87‱) down	8.7% (125‱) down
Liquidity and balance sheet
Cash + Short-Term Investments / Assets Ratio of sums	13.0% (554‱) down	35.9% (510‱) down	25.9% (667‱) down	20.8% (633‱) down	15.3% (549‱) down	11.3% (545‱) down	11.9% (570‱) down	13.0% (479‱) down	— withheld	34.9% (530‱) down	25.9% (667‱) down	20.8% (633‱) down	15.3% (549‱) down	12.1% (539‱) down
Total Loans / Total Shares Ratio of sums	74.8% 520‱ up	51.3% 38‱ up	50.6% 101‱ up	57.4% 190‱ up	65.9% 215‱ up	75.5% 467‱ up	77.6% 521‱ up	76.6% 704‱ up	— withheld	51.5% 41‱ up	50.6% 101‱ up	57.4% 190‱ up	65.9% 215‱ up	77.1% 565‱ up
Total Loans / Total Assets Ratio of sums	64.9% 457‱ up	43.1% 19‱ up	44.5% 91‱ up	50.8% 183‱ up	58.9% 232‱ up	66.5% 442‱ up	67.4% 458‱ up	65.1% 587‱ up	— withheld	43.3% 22‱ up	44.5% 91‱ up	50.8% 183‱ up	58.9% 232‱ up	66.6% 490‱ up
Borrowings / Total Shares & Net Worth Ratio of sums	3.2% 106‱ up	0.1% (8‱) down	0.1% 7‱ up	0.4% 13‱ up	0.9% 21‱ up	2.2% 76‱ up	3.2% 106‱ up	5.3% 158‱ up	— withheld	0.1% (8‱) down	0.1% 7‱ up	0.4% 13‱ up	0.9% 21‱ up	3.7% 120‱ up
Earnings, annualized
Return on Average Assets (ROAA) Ratio of sums	0.85% (27‱) down	0.00% (9‱) down	0.32% (6‱) down	0.53% (3‱) down	0.64% (7‱) down	0.74% (14‱) down	0.89% (23‱) down	0.98% (59‱) down	— withheld	0.00% (10‱) down	0.32% (6‱) down	0.53% (3‱) down	0.64% (7‱) down	0.90% (32‱) down
Net Interest Margin / Average Assets Ratio of sums	2.7% 9‱ up	2.6% (15‱) down	2.4% (9‱) down	2.5% (3‱) down	2.6% 3‱ up	2.7% 7‱ up	2.6% 9‱ up	2.9% 16‱ up	— withheld	2.6% (14‱) down	2.4% (9‱) down	2.5% (3‱) down	2.6% 3‱ up	2.7% 11‱ up
Yield on Average Loans Ratio of sums	4.2% (19‱) down	5.9% (13‱) down	5.0% (23‱) down	4.7% (23‱) down	4.4% (20‱) down	4.2% (22‱) down	4.0% (20‱) down	4.6% (17‱) down	— withheld	5.9% (12‱) down	5.0% (23‱) down	4.7% (23‱) down	4.4% (20‱) down	4.2% (19‱) down
Cost of Funds / Average Assets Ratio of sums	0.36% (9‱) down	0.31% 0‱ flat	0.21% (6‱) down	0.21% (7‱) down	0.26% (8‱) down	0.31% (8‱) down	0.37% (10‱) down	0.45% (10‱) down	— withheld	0.30% (1‱) flat	0.21% (6‱) down	0.21% (7‱) down	0.26% (8‱) down	0.39% (10‱) down
Fee & Other Operating Income / Average Assets Ratio of sums	1.10% (21‱) down	0.59% 0‱ flat	0.89% (5‱) down	1.11% (4‱) down	1.22% (10‱) down	1.30% (10‱) down	1.15% (19‱) down	0.86% (38‱) down	— withheld	0.60% 0‱ flat	0.89% (5‱) down	1.11% (4‱) down	1.22% (10‱) down	1.08% (24‱) down
Non-Interest Expense / Average Assets Ratio of sums	2.8% (2‱) flat	3.3% 3‱ up	3.0% (8‱) down	3.1% (4‱) down	3.2% (4‱) down	3.2% 1‱ flat	2.7% (1‱) flat	2.5% 2‱ flat	— withheld	3.3% 5‱ up	3.0% (8‱) down	3.1% (4‱) down	3.2% (4‱) down	2.7% (1‱) flat
Non-Interest Expense / Gross Income Ratio of sums	67.1% 285‱ up	95.1% 490‱ up	85.4% 244‱ up	80.8% 174‱ up	77.5% 175‱ up	73.6% 200‱ up	66.5% 298‱ up	58.2% 452‱ up	— withheld	94.5% 514‱ up	85.4% 244‱ up	80.8% 174‱ up	77.5% 175‱ up	64.9% 322‱ up
Growth, annualized year to date
Asset Growth (Annualized) Ratio of sums	7.6% (720‱) down	2.2% (755‱) down	4.2% (874‱) down	5.3% (863‱) down	5.0% (1,002‱) down	6.6% (794‱) down	7.4% (751‱) down	10.2% (469‱) down	— withheld	2.5% (757‱) down	4.2% (874‱) down	5.3% (863‱) down	5.0% (1,002‱) down	8.1% (674‱) down
Loan Growth (Annualized) Ratio of sums	21.1% 1,544‱ up	4.7% 557‱ up	9.3% 646‱ up	12.7% 742‱ up	14.5% 810‱ up	19.7% 1,232‱ up	21.6% 1,541‱ up	24.8% 2,134‱ up	— withheld	5.1% 558‱ up	9.3% 646‱ up	12.7% 742‱ up	14.5% 810‱ up	22.3% 1,668‱ up
Share Growth (Annualized) Ratio of sums	7.6% (884‱) down	2.6% (872‱) down	4.7% (965‱) down	6.1% (928‱) down	6.5% (998‱) down	6.9% (936‱) down	7.2% (933‱) down	9.6% (698‱) down	— withheld	2.9% (873‱) down	4.7% (965‱) down	6.1% (928‱) down	6.5% (998‱) down	7.9% (866‱) down
Net Worth Growth (Annualized) Ratio of sums	10.8% (90‱) down	0.8% 38‱ up	3.2% (14‱) down	6.6% 125‱ up	8.0% 17‱ up	12.8% 341‱ up	11.3% (54‱) down	11.3% (487‱) down	— withheld	1.0% 44‱ up	3.2% (14‱) down	6.6% 125‱ up	8.0% 17‱ up	11.5% (125‱) down
Membership Growth (Annualized) Ratio of sums	5.13% 1‱ flat	(2.22%) (72‱) down	(1.05%) (25‱) down	0.04% (8‱) down	1.03% (111‱) down	3.22% (41‱) down	5.68% 43‱ up	8.78% (63‱) down	— withheld	(1.84%) (62‱) down	(1.05%) (25‱) down	0.04% (8‱) down	1.03% (111‱) down	6.27% 9‱ up
Totals, summed
Total Assets Sum	$2.14T 8.1% up	$4.13B (8.4%) down	$36.20B (6.5%) down	$49.86B (1.1%) down	$246.89B 1.7% up	$209.67B 2.7% up	$1.06T 8.6% up	$525.97B 15.2% up	— withheld	$3.84B (8.5%) down	$36.20B (6.5%) down	$49.86B (1.1%) down	$246.89B 1.7% up	$1.80T 9.7% up
Total Loans Sum	$1.39T 16.2% up	$1.78B (8.0%) down	$16.13B (4.5%) down	$25.31B 2.6% up	$145.31B 5.9% up	$139.43B 10.0% up	$716.74B 16.5% up	$342.29B 26.6% up	— withheld	$1.67B (8.1%) down	$16.13B (4.5%) down	$25.31B 2.6% up	$145.31B 5.9% up	$1.20T 18.4% up
Total Shares and Deposits Sum	$1.85T 8.1% up	$3.47B (8.7%) down	$31.85B (6.4%) down	$44.13B (0.8%) down	$220.37B 2.4% up	$184.76B 3.2% up	$923.31B 8.7% up	$446.74B 14.9% up	— withheld	$3.24B (8.8%) down	$31.85B (6.4%) down	$44.13B (0.8%) down	$220.37B 2.4% up	$1.55T 9.7% up
Net Worth Sum	$222.68B 10.8% up	$643.0M (6.0%) down	$4.24B (5.5%) down	$5.59B 0.7% up	$25.72B 5.1% up	$21.88B 6.7% up	$110.69B 11.6% up	$53.92B 16.7% up	— withheld	$591.7M (6.0%) down	$4.24B (5.5%) down	$5.59B 0.7% up	$25.72B 5.1% up	$186.49B 12.4% up
Other
Average Loan Balance Ratio of sums	16631.5% 47,562‱ up	7507.7% 40,217‱ up	3961.6% (189,524‱) down	6393.9% (152,533‱) down	10697.8% (152,075‱) down	17131.6% 50,075‱ up	20461.5% 164,905‱ up	18625.0% 174,875‱ up	— withheld	7618.1% 39,147‱ up	3961.6% (189,524‱) down	6393.9% (152,533‱) down	10697.8% (152,075‱) down	19472.7% 150,594‱ up
Average Shares Per Member Ratio of sums	13981.4% 49,553‱ up	5249.6% 16,060‱ up	9414.0% 45,349‱ up	10797.0% 45,573‱ up	12602.8% 75,322‱ up	13137.4% 46,751‱ up	15132.9% 44,718‱ up	13980.0% 18,161‱ up	— withheld	5623.6% 17,189‱ up	9414.0% 45,349‱ up	10797.0% 45,573‱ up	12602.8% 75,322‱ up	14526.5% 37,474‱ up
Borrowers / Members Ratio of sums	62.9% 479‱ up	35.9% (60‱) down	120.3% 4,440‱ up	96.9% 2,444‱ up	77.7% 1,582‱ up	57.9% 394‱ up	57.4% 88‱ up	57.5% 62‱ up	— withheld	38.0% (53‱) down	120.3% 4,440‱ up	96.9% 2,444‱ up	77.7% 1,582‱ up	57.5% 124‱ up
Delinquent Loans / Assets Ratio of sums	0.3% 4‱ up	0.6% 6‱ up	0.3% 4‱ up	0.3% 4‱ up	0.3% 2‱ flat	0.3% 4‱ up	0.3% 2‱ flat	0.5% 7‱ up	— withheld	0.6% 5‱ up	0.3% 4‱ up	0.3% 4‱ up	0.3% 2‱ flat	0.3% 4‱ up
Delinquent Loans / Net Worth Ratio of sums	3.0% 29‱ up	3.9% 27‱ up	2.9% 31‱ up	2.6% 31‱ up	2.6% 9‱ up	2.8% 26‱ up	2.4% 14‱ up	4.5% 64‱ up	— withheld	3.6% 26‱ up	2.9% 31‱ up	2.6% 31‱ up	2.6% 9‱ up	3.1% 31‱ up
Fixed Assets & Foreclosed Assets / Total Assets Ratio of sums	1.8% (1‱) flat	0.6% 4‱ up	1.5% (6‱) down	2.0% (1‱) flat	2.2% (5‱) down	2.3% 4‱ up	1.7% 4‱ up	1.5% (7‱) down	— withheld	0.6% 4‱ up	1.5% (6‱) down	2.0% (1‱) flat	2.2% (5‱) down	1.7% 0‱ flat
Gross Income / Average Assets Ratio of sums	4.1% (21‱) down	3.5% (15‱) down	3.5% (20‱) down	3.9% (14‱) down	4.1% (15‱) down	4.3% (11‱) down	4.1% (20‱) down	4.2% (33‱) down	— withheld	3.5% (14‱) down	3.5% (20‱) down	3.9% (14‱) down	4.1% (15‱) down	4.2% (23‱) down
Members / Full-Time Equivalent Employees Ratio of sums	398.9% (142‱) down	395.8% (323‱) down	417.5% (168‱) down	390.6% 355‱ up	341.0% (398‱) down	347.9% (754‱) down	391.9% (294‱) down	492.3% (465‱) down	— withheld	398.1% (674‱) down	417.5% (168‱) down	390.6% 355‱ up	341.0% (398‱) down	410.0% (216‱) down
Members / Potential Members Ratio of sums	3.0% 0‱ flat	6.5% 7‱ up	2.8% (66‱) down	2.0% (20‱) down	2.3% (19‱) down	2.4% (10‱) down	3.4% (3‱) down	3.1% 33‱ up	— withheld	6.1% (88‱) down	2.8% (66‱) down	2.0% (20‱) down	2.3% (19‱) down	3.2% 8‱ up
Net Margin / Average Assets Ratio of sums	3.8% (12‱) down	3.2% (15‱) down	3.3% (14‱) down	3.6% (8‱) down	3.8% (7‱) down	4.0% (4‱) down	3.7% (10‱) down	3.8% (22‱) down	— withheld	3.2% (14‱) down	3.3% (14‱) down	3.6% (8‱) down	3.8% (7‱) down	3.8% (13‱) down
Net Operating Expense / Average Assets Ratio of sums	2.3% (2‱) flat	3.0% 6‱ up	2.5% (6‱) down	2.5% (4‱) down	2.6% (3‱) down	2.6% 0‱ flat	2.3% 0‱ flat	2.1% (2‱) flat	— withheld	2.9% 7‱ up	2.5% (6‱) down	2.5% (4‱) down	2.6% (3‱) down	2.3% (1‱) flat
Other Non-Performing Assets / Total Assets Ratio of sums	0.0% 0‱ flat	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% 0‱ flat	— withheld	0.0% 1‱ flat	0.0% (1‱) flat	0.0% (1‱) flat	0.0% (1‱) flat	0.0% 0‱ flat
Regular Shares / Total Shares & Borrowings Ratio of sums	35.9% 18‱ up	80.3% 97‱ up	62.7% 163‱ up	54.3% 137‱ up	45.3% 138‱ up	38.6% (30‱) down	34.3% 25‱ up	29.6% 77‱ up	— withheld	79.5% 92‱ up	62.7% 163‱ up	54.3% 137‱ up	45.3% 138‱ up	33.4% 22‱ up
Salary And Benefits / Full-Time Equivalent Employee Ratio of sums	91003.9% 304,965‱ up	42159.6% 169,916‱ up	63183.8% 149,362‱ up	68793.3% 240,444‱ up	75659.8% 289,857‱ up	83782.7% 143,858‱ up	96035.8% 205,667‱ up	103858.2% 344,846‱ up	— withheld	45380.2% 155,039‱ up	63183.8% 149,362‱ up	68793.3% 240,444‱ up	75659.8% 289,857‱ up	96083.4% 250,838‱ up
Yield on Average Investments Ratio of sums	1.1% 27‱ up	0.6% (7‱) down	0.8% (4‱) down	0.9% 3‱ up	1.0% 20‱ up	1.1% 29‱ up	1.1% 29‱ up	1.3% 31‱ up	— withheld	0.6% (7‱) down	0.8% (4‱) down	0.9% 3‱ up	1.0% 20‱ up	1.2% 30‱ up

↑ ↓ against Q2 2021 · → 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 2021 and Q2 2022 · callseries release v2026.2.27, cut Oct 29, 2026 · peer groups peer-groups.yaml@74abeac

The files for Q2 2022

Accounts curated/accounts/quarter=2022Q2/data.parquet callbase
Account text curated/accounts_text/quarter=2022Q2/data.parquet callbase
Profiles curated/profiles/quarter=2022Q2/data.parquet callbase
Quorum, filer by filer index/quorum/quarter=2022Q2/data.parquet callbase
Peer aggregates releases/v2026.2.27/peer-quarter.parquet callseries

-- One ratio across every group, Q2 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 = '2022Q2'
  AND measure = 'delinquent_loans_to_total_loans'
ORDER BY peer_group;

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