Quarter · cycle date September 30, 2022

Q3 2022

✓ Quorum reached

Coverage

Filed, of expected

Filings held

Due

Rates at September 30, 2022 3.1% fed funds · 2-year 4.2% · 10-year 3.8%

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 2021 appears below each value.

The change compares Q3 2022’s members with Q3 2021’s, because credit unions are grouped by their assets in each quarter.

Q3 2022: each measure's statistic by peer group, with its change on Q3 2021
Measure	All FICUs 4,813 of 4,855	<$10M Withheld · 975 of 997	$10M–$50M 1,380 of 1,390	$50M–$100M 674 of 676	$100M–$500M 1,076 of 1,082	$500M–$1B 294 of 295	$1B–$10B 394 of 395	>$10B 20 of 20	NCUA Peer 1: <$2M Withheld · 301 of 309	NCUA Peer 2: $2M–$10M Withheld · 674 of 688	NCUA Peer 3: $10M–$50M 1,380 of 1,390	NCUA Peer 4: $50M–$100M 674 of 676	NCUA Peer 5: $100M–$500M 1,076 of 1,082	NCUA Peer 6: >$500M 708 of 710
Asset quality
Delinquent Loans / Total Loans Ratio of sums	0.53% 7‱ up	— withheld	0.84% 11‱ up	0.63% 7‱ up	0.50% 5‱ up	0.50% 10‱ up	0.41% 5‱ up	0.81% 11‱ up	— withheld	— withheld	0.84% 11‱ up	0.63% 7‱ up	0.50% 5‱ up	0.53% 7‱ up
Net Charge-Offs / Average Loans Ratio of sums	0.30% 4‱ up	— withheld	0.22% (1‱) flat	0.23% 2‱ flat	0.20% 2‱ flat	0.22% 1‱ flat	0.21% 2‱ flat	0.60% 12‱ up	— withheld	— withheld	0.22% (1‱) flat	0.23% 2‱ flat	0.20% 2‱ flat	0.32% 5‱ up
Provision for Loan/Lease Losses or Credit Loss Expense / Average Assets Ratio of sums	0.21% 15‱ up	— withheld	0.09% 2‱ flat	0.11% 4‱ up	0.12% 6‱ up	0.15% 7‱ up	0.15% 8‱ up	0.42% 38‱ up	— withheld	— withheld	0.09% 2‱ flat	0.11% 4‱ up	0.12% 6‱ up	0.23% 16‱ up
Capital
Net Worth / Total Assets for Prompt Corrective Action Ratio of sums	10.6% 35‱ up	— withheld	11.9% 16‱ up	11.4% 24‱ up	10.6% 31‱ up	10.6% 46‱ up	10.6% 35‱ up	10.6% 37‱ up	— withheld	— withheld	11.9% 16‱ up	11.4% 24‱ up	10.6% 31‱ up	10.6% 37‱ up
Net Worth / Total Assets excluding CECL Transition Provision Ratio of sums	10.6% 36‱ up	— withheld	11.9% 16‱ up	11.3% 26‱ up	10.6% 34‱ up	10.6% 46‱ up	10.5% 35‱ up	10.6% 40‱ up	— withheld	— withheld	11.9% 16‱ up	11.3% 26‱ up	10.6% 34‱ up	10.5% 38‱ up
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL Ratio of sums	11.1% 31‱ up	— withheld	12.2% 14‱ up	11.7% 24‱ up	10.9% 31‱ up	11.0% 43‱ up	10.9% 30‱ up	11.2% 32‱ up	— withheld	— withheld	12.2% 14‱ up	11.7% 24‱ up	10.9% 31‱ up	11.0% 32‱ up
GAAP Equity / Total Assets Ratio of sums	8.5% (152‱) down	— withheld	11.5% (17‱) down	10.4% (55‱) down	8.8% (122‱) down	8.4% (156‱) down	8.4% (161‱) down	8.4% (163‱) down	— withheld	— withheld	11.5% (17‱) down	10.4% (55‱) down	8.8% (122‱) down	8.4% (161‱) down
Liquidity and balance sheet
Cash + Short-Term Investments / Assets Ratio of sums	11.3% (654‱) down	— withheld	24.5% (682‱) down	19.7% (610‱) down	13.7% (631‱) down	10.4% (582‱) down	10.3% (655‱) down	11.0% (668‱) down	— withheld	— withheld	24.5% (682‱) down	19.7% (610‱) down	13.7% (631‱) down	10.5% (649‱) down
Total Loans / Total Shares Ratio of sums	78.4% 846‱ up	— withheld	52.7% 277‱ up	58.9% 311‱ up	68.9% 479‱ up	78.5% 736‱ up	81.9% 907‱ up	79.6% 989‱ up	— withheld	— withheld	52.7% 277‱ up	58.9% 311‱ up	68.9% 479‱ up	80.8% 909‱ up
Total Loans / Total Assets Ratio of sums	67.8% 719‱ up	— withheld	46.3% 244‱ up	52.1% 294‱ up	61.4% 465‱ up	68.7% 629‱ up	70.4% 739‱ up	68.1% 872‱ up	— withheld	— withheld	46.3% 244‱ up	52.1% 294‱ up	61.4% 465‱ up	69.6% 763‱ up
Borrowings / Total Shares & Net Worth Ratio of sums	3.9% 170‱ up	— withheld	0.2% 12‱ up	0.4% 21‱ up	1.2% 59‱ up	3.1% 173‱ up	4.4% 218‱ up	5.0% 133‱ up	— withheld	— withheld	0.2% 12‱ up	0.4% 21‱ up	1.2% 59‱ up	4.4% 190‱ up
Earnings, annualized
Return on Average Assets (ROAA) Ratio of sums	0.88% (24‱) down	— withheld	0.41% (10‱) down	0.59% (9‱) down	0.71% (8‱) down	0.79% (9‱) down	0.92% (20‱) down	0.99% (51‱) down	— withheld	— withheld	0.41% (10‱) down	0.59% (9‱) down	0.71% (8‱) down	0.92% (27‱) down
Net Interest Margin / Average Assets Ratio of sums	2.8% 20‱ up	— withheld	2.6% 4‱ up	2.6% 4‱ up	2.7% 14‱ up	2.8% 16‱ up	2.7% 18‱ up	3.1% 31‱ up	— withheld	— withheld	2.6% 4‱ up	2.6% 4‱ up	2.7% 14‱ up	2.8% 22‱ up
Yield on Average Loans Ratio of sums	4.3% (10‱) down	— withheld	5.1% (19‱) down	4.7% (21‱) down	4.4% (15‱) down	4.3% (14‱) down	4.0% (12‱) down	4.8% (1‱) flat	— withheld	— withheld	5.1% (19‱) down	4.7% (21‱) down	4.4% (15‱) down	4.3% (9‱) down
Cost of Funds / Average Assets Ratio of sums	0.42% (2‱) flat	— withheld	0.22% (4‱) down	0.22% (4‱) down	0.28% (5‱) down	0.35% (4‱) down	0.43% (2‱) flat	0.53% 0‱ flat	— withheld	— withheld	0.22% (4‱) down	0.22% (4‱) down	0.28% (5‱) down	0.45% (2‱) flat
Fee & Other Operating Income / Average Assets Ratio of sums	1.10% (21‱) down	— withheld	0.90% (13‱) down	1.13% (10‱) down	1.23% (14‱) down	1.30% (13‱) down	1.15% (19‱) down	0.87% (34‱) down	— withheld	— withheld	0.90% (13‱) down	1.13% (10‱) down	1.23% (14‱) down	1.09% (23‱) down
Non-Interest Expense / Average Assets Ratio of sums	2.8% 1‱ flat	— withheld	3.1% (4‱) down	3.2% (3‱) down	3.2% (2‱) flat	3.2% 0‱ flat	2.7% 2‱ flat	2.5% 6‱ up	— withheld	— withheld	3.1% (4‱) down	3.2% (3‱) down	3.2% (2‱) flat	2.7% 2‱ flat
Non-Interest Expense / Gross Income Ratio of sums	65.3% 79‱ up	— withheld	83.1% 188‱ up	79.2% 120‱ up	75.5% 40‱ up	72.0% 27‱ up	64.7% 89‱ up	56.5% 187‱ up	— withheld	— withheld	83.1% 188‱ up	79.2% 120‱ up	75.5% 40‱ up	63.2% 102‱ up
Growth, annualized year to date
Asset Growth (Annualized) Ratio of sums	6.3% (656‱) down	— withheld	2.8% (687‱) down	4.0% (662‱) down	4.2% (788‱) down	6.0% (594‱) down	7.3% (576‱) down	6.1% (796‱) down	— withheld	— withheld	2.8% (687‱) down	4.0% (662‱) down	4.2% (788‱) down	6.8% (639‱) down
Loan Growth (Annualized) Ratio of sums	22.0% 1,479‱ up	— withheld	11.7% 822‱ up	14.6% 883‱ up	16.7% 960‱ up	20.4% 1,250‱ up	23.3% 1,568‱ up	23.6% 1,698‱ up	— withheld	— withheld	11.7% 822‱ up	14.6% 883‱ up	16.7% 960‱ up	23.0% 1,566‱ up
Share Growth (Annualized) Ratio of sums	5.8% (809‱) down	— withheld	2.9% (753‱) down	4.4% (694‱) down	4.8% (805‱) down	5.3% (774‱) down	5.9% (811‱) down	6.8% (853‱) down	— withheld	— withheld	2.9% (753‱) down	4.4% (694‱) down	4.8% (805‱) down	6.0% (817‱) down
Net Worth Growth (Annualized) Ratio of sums	10.8% (91‱) down	— withheld	3.9% (60‱) down	6.7% 34‱ up	8.3% (25‱) down	12.0% 255‱ up	11.5% (30‱) down	11.1% (466‱) down	— withheld	— withheld	3.9% (60‱) down	6.7% 34‱ up	8.3% (25‱) down	11.5% (114‱) down
Membership Growth (Annualized) Ratio of sums	5.52% 40‱ up	— withheld	(0.56%) 46‱ up	0.41% 27‱ up	1.49% (33‱) down	3.42% 22‱ up	6.34% 87‱ up	8.71% (63‱) down	— withheld	— withheld	(0.56%) 46‱ up	0.41% 27‱ up	1.49% (33‱) down	6.63% 41‱ up
Totals, summed
Total Assets Sum	$2.15T 6.6% up	— withheld	$36.11B (4.8%) down	$49.18B (1.0%) down	$243.91B (0.4%) down	$212.50B 2.7% up	$1.09T 8.7% up	$513.10B 9.2% up	— withheld	— withheld	$36.11B (4.8%) down	$49.18B (1.0%) down	$243.91B (0.4%) down	$1.82T 8.1% up
Total Loans Sum	$1.46T 19.2% up	— withheld	$16.71B 0.5% up	$25.63B 4.9% up	$149.71B 7.7% up	$145.89B 13.1% up	$768.68B 21.5% up	$349.27B 25.2% up	— withheld	— withheld	$16.71B 0.5% up	$25.63B 4.9% up	$149.71B 7.7% up	$1.26T 21.4% up
Total Shares and Deposits Sum	$1.86T 6.3% up	— withheld	$31.69B (4.8%) down	$43.50B (0.7%) down	$217.31B 0.2% up	$185.93B 2.5% up	$939.10B 8.0% up	$438.58B 9.6% up	— withheld	— withheld	$31.69B (4.8%) down	$43.50B (0.7%) down	$217.31B 0.2% up	$1.56T 7.8% up
Net Worth Sum	$227.84B 10.3% up	— withheld	$4.30B (3.5%) down	$5.58B 1.3% up	$25.75B 2.8% up	$22.43B 7.4% up	$114.92B 12.4% up	$54.22B 13.5% up	— withheld	— withheld	$4.30B (3.5%) down	$5.58B 1.3% up	$25.75B 2.8% up	$191.58B 12.1% up
Other
Average Loan Balance Ratio of sums	16985.3% 79,870‱ up	— withheld	3827.2% (130,524‱) down	6553.6% (106,379‱) down	10725.9% (92,322‱) down	17500.2% 78,322‱ up	20971.1% 194,861‱ up	19019.0% 149,079‱ up	— withheld	— withheld	3827.2% (130,524‱) down	6553.6% (106,379‱) down	10725.9% (92,322‱) down	19948.6% 165,669‱ up
Average Shares Per Member Ratio of sums	13844.6% 25,092‱ up	— withheld	9388.5% 32,682‱ up	10762.5% 45,603‱ up	12566.5% 56,796‱ up	13075.5% 35,285‱ up	14867.1% 9,633‱ up	13892.9% (420‱) down	— withheld	— withheld	9388.5% 32,682‱ up	10762.5% 45,603‱ up	12566.5% 56,796‱ up	14351.0% 11,363‱ up
Borrowers / Members Ratio of sums	63.9% 517‱ up	— withheld	129.4% 4,115‱ up	96.8% 2,125‱ up	80.7% 1,469‱ up	58.6% 451‱ up	58.0% 151‱ up	58.2% 288‱ up	— withheld	— withheld	129.4% 4,115‱ up	96.8% 2,125‱ up	80.7% 1,469‱ up	58.1% 231‱ up
Delinquent Loans / Assets Ratio of sums	0.4% 8‱ up	— withheld	0.4% 7‱ up	0.3% 5‱ up	0.3% 5‱ up	0.3% 9‱ up	0.3% 6‱ up	0.5% 14‱ up	— withheld	— withheld	0.4% 7‱ up	0.3% 5‱ up	0.3% 5‱ up	0.4% 9‱ up
Delinquent Loans / Net Worth Ratio of sums	3.4% 67‱ up	— withheld	3.2% 55‱ up	2.9% 40‱ up	2.9% 38‱ up	3.2% 77‱ up	2.7% 49‱ up	5.2% 115‱ up	— withheld	— withheld	3.2% 55‱ up	2.9% 40‱ up	2.9% 38‱ up	3.5% 72‱ up
Fixed Assets & Foreclosed Assets / Total Assets Ratio of sums	1.8% 3‱ up	— withheld	1.5% (6‱) down	2.0% 2‱ flat	2.2% (1‱) flat	2.3% (2‱) flat	1.7% 7‱ up	1.5% 1‱ flat	— withheld	— withheld	1.5% (6‱) down	2.0% 2‱ flat	2.2% (1‱) flat	1.7% 4‱ up
Gross Income / Average Assets Ratio of sums	4.3% (3‱) down	— withheld	3.7% (13‱) down	4.0% (11‱) down	4.3% (5‱) down	4.5% (1‱) flat	4.3% (3‱) down	4.5% (4‱) down	— withheld	— withheld	3.7% (13‱) down	4.0% (11‱) down	4.3% (5‱) down	4.3% (3‱) down
Members / Full-Time Equivalent Employees Ratio of sums	399.1% (328‱) down	— withheld	420.4% (55‱) down	391.1% (388‱) down	341.2% (444‱) down	350.9% (474‱) down	393.7% (350‱) down	486.5% (1,125‱) down	— withheld	— withheld	420.4% (55‱) down	391.1% (388‱) down	341.2% (444‱) down	409.9% (423‱) down
Members / Potential Members Ratio of sums	3.0% 2‱ flat	— withheld	3.0% (50‱) down	2.0% (21‱) down	2.3% (14‱) down	2.4% (7‱) down	3.5% 3‱ up	3.0% 23‱ up	— withheld	— withheld	3.0% (50‱) down	2.0% (21‱) down	2.3% (14‱) down	3.2% 8‱ up
Net Margin / Average Assets Ratio of sums	3.9% (1‱) flat	— withheld	3.5% (9‱) down	3.8% (6‱) down	4.0% 0‱ flat	4.1% 2‱ flat	3.8% 0‱ flat	3.9% (4‱) down	— withheld	— withheld	3.5% (9‱) down	3.8% (6‱) down	4.0% 0‱ flat	3.9% (1‱) flat
Net Operating Expense / Average Assets Ratio of sums	2.4% 2‱ flat	— withheld	2.5% (2‱) flat	2.6% (2‱) flat	2.6% 0‱ flat	2.6% 1‱ flat	2.3% 3‱ up	2.2% 3‱ up	— withheld	— withheld	2.5% (2‱) flat	2.6% (2‱) flat	2.6% 0‱ flat	2.3% 2‱ flat
Other Non-Performing Assets / Total Assets Ratio of sums	0.0% 0‱ flat	— withheld	0.0% 0‱ flat	0.0% 0‱ flat	0.0% 0‱ flat	0.0% 0‱ flat	0.0% 0‱ flat	0.0% 1‱ flat	— withheld	— withheld	0.0% 0‱ flat	0.0% 0‱ flat	0.0% 0‱ flat	0.0% 0‱ flat
Regular Shares / Total Shares & Borrowings Ratio of sums	35.0% (73‱) down	— withheld	62.3% 91‱ up	54.1% 63‱ up	44.6% 38‱ up	37.8% (111‱) down	33.5% (61‱) down	28.4% (58‱) down	— withheld	— withheld	62.3% 91‱ up	54.1% 63‱ up	44.6% 38‱ up	32.6% (71‱) down
Salary And Benefits / Full-Time Equivalent Employee Ratio of sums	91241.1% 300,950‱ up	— withheld	64387.2% 192,052‱ up	68770.5% 172,804‱ up	76089.6% 278,457‱ up	84614.4% 208,983‱ up	95585.4% 161,816‱ up	104613.9% 436,479‱ up	— withheld	— withheld	64387.2% 192,052‱ up	68770.5% 172,804‱ up	76089.6% 278,457‱ up	96116.8% 253,814‱ up
Yield on Average Investments Ratio of sums	1.4% 51‱ up	— withheld	1.0% 15‱ up	1.1% 20‱ up	1.2% 38‱ up	1.3% 47‱ up	1.4% 55‱ up	1.6% 61‱ up	— withheld	— withheld	1.0% 15‱ up	1.1% 20‱ up	1.2% 38‱ up	1.4% 56‱ up

↑ ↓ against Q3 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, Q3 2021 and Q3 2022 · callseries release v2026.2.27, cut Oct 29, 2026 · peer groups peer-groups.yaml@74abeac

The files for Q3 2022

Accounts curated/accounts/quarter=2022Q3/data.parquet callbase
Account text curated/accounts_text/quarter=2022Q3/data.parquet callbase
Profiles curated/profiles/quarter=2022Q3/data.parquet callbase
Quorum, filer by filer index/quorum/quarter=2022Q3/data.parquet callbase
Peer aggregates releases/v2026.2.27/peer-quarter.parquet callseries

-- One ratio across every group, Q3 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 = '2022Q3'
  AND measure = 'delinquent_loans_to_total_loans'
ORDER BY peer_group;

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