Quarter · cycle date June 30, 2023

Q2 2023

✓ Quorum reached

Coverage

Filed, of expected

Filings held

Due

Rates at June 30, 2023 5.1% fed funds · 2-year 4.9% · 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 Q2 2022 appears below each value.

The change compares Q2 2023’s members with Q2 2022’s, because credit unions are grouped by their assets in each quarter.

Q2 2023: each measure's statistic by peer group, with its change on Q2 2022
Measure	All FICUs 4,686 of 4,714	<$10M 945 of 957	$10M–$50M 1,320 of 1,330	$50M–$100M 653 of 655	$100M–$500M 1,060 of 1,062	$500M–$1B 287 of 287	$1B–$10B 399 of 401	>$10B 22 of 22	NCUA Peer 1: <$2M Withheld · 283 of 289	NCUA Peer 2: $2M–$10M 662 of 668	NCUA Peer 3: $10M–$50M 1,320 of 1,330	NCUA Peer 4: $50M–$100M 653 of 655	NCUA Peer 5: $100M–$500M 1,060 of 1,062	NCUA Peer 6: >$500M 708 of 710
Asset quality
Delinquent Loans / Total Loans Ratio of sums	0.63% 15‱ up	1.40% 1‱ flat	0.86% 9‱ up	0.68% 10‱ up	0.56% 11‱ up	0.59% 15‱ up	0.51% 13‱ up	0.90% 19‱ up	— withheld	1.32% 3‱ up	0.86% 9‱ up	0.68% 10‱ up	0.56% 11‱ up	0.63% 15‱ up
Net Charge-Offs / Average Loans Ratio of sums	0.53% 24‱ up	0.40% 10‱ up	0.36% 14‱ up	0.34% 13‱ up	0.33% 15‱ up	0.37% 18‱ up	0.39% 20‱ up	0.96% 39‱ up	— withheld	0.38% 9‱ up	0.36% 14‱ up	0.34% 13‱ up	0.33% 15‱ up	0.56% 26‱ up
Provision for Loan/Lease Losses or Credit Loss Expense / Average Assets Ratio of sums	0.42% 26‱ up	0.20% 7‱ up	0.15% 6‱ up	0.17% 8‱ up	0.21% 13‱ up	0.27% 15‱ up	0.32% 21‱ up	0.82% 48‱ up	— withheld	0.18% 7‱ up	0.15% 6‱ up	0.17% 8‱ up	0.21% 13‱ up	0.46% 28‱ up
Capital
Net Worth / Total Assets for Prompt Corrective Action Ratio of sums	10.9% 43‱ up	16.8% 117‱ up	12.6% 86‱ up	12.1% 85‱ up	11.1% 66‱ up	10.9% 36‱ up	10.8% 37‱ up	10.7% 41‱ up	— withheld	16.6% 120‱ up	12.6% 86‱ up	12.1% 85‱ up	11.1% 66‱ up	10.8% 38‱ up
Net Worth / Total Assets excluding CECL Transition Provision Ratio of sums	10.6% 20‱ up	16.7% 116‱ up	12.5% 77‱ up	12.0% 79‱ up	11.0% 58‱ up	10.7% 24‱ up	10.6% 18‱ up	10.2% (2‱) flat	— withheld	16.6% 120‱ up	12.5% 77‱ up	12.0% 79‱ up	11.0% 58‱ up	10.5% 13‱ up
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL Ratio of sums	11.6% 75‱ up	17.3% 119‱ up	13.0% 95‱ up	12.5% 94‱ up	11.5% 78‱ up	11.4% 54‱ up	11.4% 59‱ up	12.0% 110‱ up	— withheld	17.1% 123‱ up	13.0% 95‱ up	12.5% 94‱ up	11.5% 78‱ up	11.6% 74‱ up
GAAP Equity / Total Assets Ratio of sums	8.8% (10‱) down	16.5% 108‱ up	12.1% 65‱ up	11.1% 60‱ up	9.3% 31‱ up	8.6% (3‱) down	8.7% (11‱) down	8.3% (38‱) down	— withheld	16.4% 111‱ up	12.1% 65‱ up	11.1% 60‱ up	9.3% 31‱ up	8.6% (18‱) down
Liquidity and balance sheet
Cash + Short-Term Investments / Assets Ratio of sums	11.0% (196‱) down	31.1% (474‱) down	22.6% (328‱) down	18.0% (281‱) down	12.7% (259‱) down	10.3% (106‱) down	10.7% (120‱) down	9.8% (320‱) down	— withheld	30.2% (467‱) down	22.6% (328‱) down	18.0% (281‱) down	12.7% (259‱) down	10.4% (177‱) down
Total Loans / Total Shares Ratio of sums	83.2% 839‱ up	60.2% 892‱ up	58.6% 792‱ up	64.0% 661‱ up	73.6% 765‱ up	82.2% 674‱ up	86.2% 852‱ up	85.4% 875‱ up	— withheld	60.5% 899‱ up	58.6% 792‱ up	64.0% 661‱ up	73.6% 765‱ up	85.5% 839‱ up
Total Loans / Total Assets Ratio of sums	70.4% 547‱ up	49.7% 666‱ up	51.0% 644‱ up	56.0% 525‱ up	64.6% 572‱ up	70.5% 399‱ up	72.2% 483‱ up	71.8% 674‱ up	— withheld	50.1% 672‱ up	51.0% 644‱ up	56.0% 525‱ up	64.6% 572‱ up	71.9% 530‱ up
Borrowings / Total Shares & Net Worth Ratio of sums	5.6% 242‱ up	0.4% 25‱ up	0.3% 20‱ up	0.6% 22‱ up	2.0% 117‱ up	4.7% 249‱ up	6.6% 338‱ up	6.5% 125‱ up	— withheld	0.4% 26‱ up	0.3% 20‱ up	0.6% 22‱ up	2.0% 117‱ up	6.4% 267‱ up
Earnings, annualized
Return on Average Assets (ROAA) Ratio of sums	0.80% (5‱) down	0.36% 37‱ up	0.69% 37‱ up	0.81% 28‱ up	0.75% 11‱ up	0.66% (7‱) down	0.80% (9‱) down	0.87% (11‱) down	— withheld	0.37% 37‱ up	0.69% 37‱ up	0.81% 28‱ up	0.75% 11‱ up	0.80% (9‱) down
Net Interest Margin / Average Assets Ratio of sums	3.0% 35‱ up	3.5% 89‱ up	3.2% 77‱ up	3.2% 63‱ up	3.1% 52‱ up	3.1% 36‱ up	2.8% 28‱ up	3.3% 36‱ up	— withheld	3.5% 88‱ up	3.2% 77‱ up	3.2% 63‱ up	3.1% 52‱ up	3.0% 32‱ up
Yield on Average Loans Ratio of sums	5.0% 76‱ up	6.0% 4‱ up	5.3% 28‱ up	5.1% 39‱ up	4.9% 57‱ up	4.8% 66‱ up	4.7% 77‱ up	5.5% 90‱ up	— withheld	5.9% 4‱ up	5.3% 28‱ up	5.1% 39‱ up	4.9% 57‱ up	5.0% 80‱ up
Cost of Funds / Average Assets Ratio of sums	1.20% 83‱ up	0.48% 18‱ up	0.45% 25‱ up	0.53% 32‱ up	0.75% 50‱ up	0.97% 65‱ up	1.26% 89‱ up	1.46% 100‱ up	— withheld	0.49% 19‱ up	0.45% 25‱ up	0.53% 32‱ up	0.75% 50‱ up	1.29% 90‱ up
Fee & Other Operating Income / Average Assets Ratio of sums	1.05% (4‱) down	0.50% (9‱) down	0.83% (6‱) down	1.05% (6‱) down	1.18% (5‱) down	1.18% (12‱) down	1.07% (8‱) down	0.94% 8‱ up	— withheld	0.51% (9‱) down	0.83% (6‱) down	1.05% (6‱) down	1.18% (5‱) down	1.04% (4‱) down
Non-Interest Expense / Average Assets Ratio of sums	2.9% 15‱ up	3.6% 25‱ up	3.3% 27‱ up	3.3% 23‱ up	3.4% 21‱ up	3.4% 20‱ up	2.8% 14‱ up	2.6% 16‱ up	— withheld	3.5% 24‱ up	3.3% 27‱ up	3.3% 23‱ up	3.4% 21‱ up	2.8% 15‱ up
Non-Interest Expense / Gross Income Ratio of sums	55.4% (1,165‱) down	80.0% (1,514‱) down	73.1% (1,236‱) down	70.5% (1,026‱) down	67.0% (1,054‱) down	64.8% (880‱) down	55.0% (1,151‱) down	46.2% (1,200‱) down	— withheld	79.2% (1,537‱) down	73.1% (1,236‱) down	70.5% (1,026‱) down	67.0% (1,054‱) down	53.3% (1,159‱) down
Growth, annualized year to date
Asset Growth (Annualized) Ratio of sums	5.3% (228‱) down	(3.6%) (583‱) down	(1.9%) (609‱) down	(0.2%) (551‱) down	2.3% (272‱) down	3.5% (307‱) down	5.8% (157‱) down	7.4% (281‱) down	— withheld	(3.7%) (616‱) down	(1.9%) (609‱) down	(0.2%) (551‱) down	2.3% (272‱) down	6.0% (209‱) down
Loan Growth (Annualized) Ratio of sums	7.9% (1,318‱) down	8.8% 411‱ up	8.7% (54‱) down	7.9% (475‱) down	6.7% (781‱) down	5.8% (1,390‱) down	7.4% (1,426‱) down	10.2% (1,453‱) down	— withheld	8.8% 378‱ up	8.7% (54‱) down	7.9% (475‱) down	6.7% (781‱) down	8.0% (1,426‱) down
Share Growth (Annualized) Ratio of sums	3.6% (396‱) down	(4.9%) (757‱) down	(2.9%) (753‱) down	(1.2%) (732‱) down	1.4% (513‱) down	1.8% (510‱) down	3.6% (365‱) down	6.5% (312‱) down	— withheld	(5.0%) (793‱) down	(2.9%) (753‱) down	(1.2%) (732‱) down	1.4% (513‱) down	4.2% (365‱) down
Net Worth Growth (Annualized) Ratio of sums	8.3% (243‱) down	2.5% 167‱ up	5.9% 267‱ up	7.5% 88‱ up	7.6% (35‱) down	6.8% (602‱) down	8.6% (271‱) down	9.0% (231‱) down	— withheld	2.6% 158‱ up	5.9% 267‱ up	7.5% 88‱ up	7.6% (35‱) down	8.5% (297‱) down
Membership Growth (Annualized) Ratio of sums	4.38% (75‱) down	(2.09%) 13‱ up	(0.51%) 54‱ up	0.09% 5‱ up	1.77% 74‱ up	2.75% (46‱) down	4.77% (91‱) down	6.73% (204‱) down	— withheld	(1.96%) (12‱) down	(0.51%) 54‱ up	0.09% 5‱ up	1.77% 74‱ up	5.12% (114‱) down
Totals, summed
Total Assets Sum	$2.22T 3.8% up	$3.99B (3.4%) down	$34.59B (4.5%) down	$47.56B (4.6%) down	$243.34B (1.4%) down	$209.89B 0.1% flat	$1.12T 5.6% up	$555.69B 5.7% up	— withheld	$3.73B (3.0%) down	$34.59B (4.5%) down	$47.56B (4.6%) down	$243.34B (1.4%) down	$1.89T 5.0% up
Total Loans Sum	$1.56T 12.6% up	$1.98B 11.5% up	$17.64B 9.4% up	$26.64B 5.2% up	$157.14B 8.1% up	$147.94B 6.1% up	$811.23B 13.2% up	$399.08B 16.6% up	— withheld	$1.87B 12.1% up	$17.64B 9.4% up	$26.64B 5.2% up	$157.14B 8.1% up	$1.36T 13.3% up
Total Shares and Deposits Sum	$1.88T 1.2% up	$3.29B (5.0%) down	$30.11B (5.4%) down	$41.64B (5.6%) down	$213.51B (3.1%) down	$179.97B (2.6%) down	$941.64B 2.0% up	$467.44B 4.6% up	— withheld	$3.09B (4.6%) down	$30.11B (5.4%) down	$41.64B (5.6%) down	$213.51B (3.1%) down	$1.59T 2.2% up
Net Worth Sum	$241.70B 8.5% up	$667.9M 3.9% up	$4.36B 2.6% up	$5.74B 2.8% up	$27.00B 5.0% up	$22.75B 4.0% up	$121.27B 9.6% up	$59.91B 11.1% up	— withheld	$619.6M 4.7% up	$4.36B 2.6% up	$5.74B 2.8% up	$27.00B 5.0% up	$203.93B 9.4% up
Other
Average Loan Balance Ratio of sums	17528.7% 89,724‱ up	8664.3% 115,656‱ up	3916.5% (4,516‱) down	6717.9% 32,402‱ up	10813.1% 11,534‱ up	18198.6% 106,708‱ up	21713.8% 125,225‱ up	19589.8% 96,486‱ up	— withheld	8820.9% 120,277‱ up	3916.5% (4,516‱) down	6717.9% 32,402‱ up	10813.1% 11,534‱ up	20622.9% 115,018‱ up
Average Shares Per Member Ratio of sums	13633.9% (34,753‱) down	5205.0% (4,461‱) down	9178.4% (23,562‱) down	10596.6% (20,038‱) down	12311.4% (29,148‱) down	12987.2% (15,025‱) down	14718.9% (41,404‱) down	13471.8% (50,815‱) down	— withheld	5563.3% (6,040‱) down	9178.4% (23,562‱) down	10596.6% (20,038‱) down	12311.4% (29,148‱) down	14121.1% (40,538‱) down
Borrowers / Members Ratio of sums	64.7% 182‱ up	36.2% 31‱ up	137.2% 1,691‱ up	100.9% 404‱ up	83.8% 611‱ up	58.7% 79‱ up	58.4% 99‱ up	58.7% 120‱ up	— withheld	38.1% 14‱ up	137.2% 1,691‱ up	100.9% 404‱ up	83.8% 611‱ up	58.5% 103‱ up
Delinquent Loans / Assets Ratio of sums	0.4% 13‱ up	0.7% 10‱ up	0.4% 9‱ up	0.4% 9‱ up	0.4% 10‱ up	0.4% 12‱ up	0.4% 11‱ up	0.6% 18‱ up	— withheld	0.7% 10‱ up	0.4% 9‱ up	0.4% 9‱ up	0.4% 10‱ up	0.5% 14‱ up
Delinquent Loans / Net Worth Ratio of sums	4.1% 106‱ up	4.2% 31‱ up	3.5% 54‱ up	3.2% 53‱ up	3.3% 71‱ up	3.8% 103‱ up	3.4% 97‱ up	6.0% 148‱ up	— withheld	4.0% 35‱ up	3.5% 54‱ up	3.2% 53‱ up	3.3% 71‱ up	4.2% 114‱ up
Fixed Assets & Foreclosed Assets / Total Assets Ratio of sums	1.8% 3‱ up	0.6% 4‱ up	1.5% 6‱ up	2.1% 4‱ up	2.3% 13‱ up	2.3% 2‱ flat	1.7% 0‱ flat	1.5% 6‱ up	— withheld	0.6% 4‱ up	1.5% 6‱ up	2.1% 4‱ up	2.3% 13‱ up	1.7% 1‱ flat
Gross Income / Average Assets Ratio of sums	5.3% 114‱ up	4.5% 97‱ up	4.5% 96‱ up	4.7% 89‱ up	5.1% 96‱ up	5.2% 89‱ up	5.2% 110‱ up	5.7% 144‱ up	— withheld	4.5% 98‱ up	4.5% 96‱ up	4.7% 89‱ up	5.1% 96‱ up	5.3% 118‱ up
Members / Full-Time Equivalent Employees Ratio of sums	397.6% (130‱) down	382.2% (1,355‱) down	414.2% (337‱) down	383.8% (681‱) down	337.7% (339‱) down	345.9% (198‱) down	389.8% (203‱) down	488.5% (376‱) down	— withheld	382.7% (1,540‱) down	414.2% (337‱) down	383.8% (681‱) down	337.7% (339‱) down	408.9% (112‱) down
Members / Potential Members Ratio of sums	3.0% 2‱ flat	5.4% (115‱) down	2.9% 3‱ up	2.1% 9‱ up	2.2% (13‱) down	2.2% (21‱) down	3.5% 5‱ up	3.3% 21‱ up	— withheld	5.2% (92‱) down	2.9% 3‱ up	2.1% 9‱ up	2.2% (13‱) down	3.2% 5‱ up
Net Margin / Average Assets Ratio of sums	4.1% 31‱ up	4.0% 80‱ up	4.0% 71‱ up	4.2% 58‱ up	4.3% 47‱ up	4.3% 24‱ up	3.9% 21‱ up	4.2% 44‱ up	— withheld	4.0% 79‱ up	4.0% 71‱ up	4.2% 58‱ up	4.3% 47‱ up	4.0% 28‱ up
Net Operating Expense / Average Assets Ratio of sums	2.5% 17‱ up	3.2% 24‱ up	2.8% 26‱ up	2.8% 24‱ up	2.8% 22‱ up	2.8% 23‱ up	2.4% 15‱ up	2.3% 16‱ up	— withheld	3.2% 23‱ up	2.8% 26‱ up	2.8% 24‱ up	2.8% 22‱ up	2.4% 16‱ up
Other Non-Performing Assets / Total Assets Ratio of sums	0.0% 1‱ flat	0.0% 1‱ flat	0.0% 1‱ flat	0.0% 0‱ flat	0.0% 1‱ flat	0.0% 1‱ flat	0.0% 1‱ flat	0.0% 0‱ flat	— withheld	0.0% 0‱ flat	0.0% 1‱ flat	0.0% 0‱ flat	0.0% 1‱ flat	0.0% 1‱ flat
Regular Shares / Total Shares & Borrowings Ratio of sums	30.7% (512‱) down	79.1% (127‱) down	59.7% (305‱) down	51.4% (289‱) down	41.4% (390‱) down	33.9% (469‱) down	28.9% (544‱) down	24.9% (470‱) down	— withheld	78.2% (125‱) down	59.7% (305‱) down	51.4% (289‱) down	41.4% (390‱) down	28.3% (517‱) down
Salary And Benefits / Full-Time Equivalent Employee Ratio of sums	96543.6% 553,974‱ up	44781.8% 262,221‱ up	66779.4% 359,561‱ up	73138.9% 434,557‱ up	79962.7% 430,296‱ up	90413.1% 663,044‱ up	101282.0% 524,619‱ up	108943.3% 508,506‱ up	— withheld	47825.8% 244,552‱ up	66779.4% 359,561‱ up	73138.9% 434,557‱ up	79962.7% 430,296‱ up	101677.1% 559,367‱ up
Yield on Average Investments Ratio of sums	2.9% 179‱ up	2.1% 152‱ up	2.2% 138‱ up	2.2% 136‱ up	2.5% 146‱ up	2.7% 160‱ up	3.0% 189‱ up	3.3% 199‱ up	— withheld	2.2% 153‱ up	2.2% 138‱ up	2.2% 136‱ up	2.5% 146‱ up	3.0% 188‱ up

↑ ↓ against Q2 2022 · → 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 2022 and Q2 2023 · callseries release v2026.2.27, cut Oct 29, 2026 · peer groups peer-groups.yaml@74abeac

The files for Q2 2023

Accounts curated/accounts/quarter=2023Q2/data.parquet callbase
Account text curated/accounts_text/quarter=2023Q2/data.parquet callbase
Profiles curated/profiles/quarter=2023Q2/data.parquet callbase
Quorum, filer by filer index/quorum/quarter=2023Q2/data.parquet callbase
Peer aggregates releases/v2026.2.27/peer-quarter.parquet callseries

-- One ratio across every group, Q2 2023, 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 = '2023Q2'
  AND measure = 'delinquent_loans_to_total_loans'
ORDER BY peer_group;

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