Quarter · cycle date September 30, 2023

Q3 2023

✓ Quorum reached

Coverage

Filed, of expected

Filings held

Due

Rates at September 30, 2023 5.3% fed funds · 2-year 5.0% · 10-year 4.6%

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 2022 appears below each value.

The change compares Q3 2023’s members with Q3 2022’s, because credit unions are grouped by their assets in each quarter.

Q3 2023: each measure's statistic by peer group, with its change on Q3 2022
Measure	All FICUs 4,644 of 4,686	<$10M Withheld · 938 of 960	$10M–$50M 1,295 of 1,312	$50M–$100M 643 of 646	$100M–$500M 1,058 of 1,058	$500M–$1B 286 of 286	$1B–$10B 402 of 402	>$10B 22 of 22	NCUA Peer 1: <$2M Withheld · 282 of 290	NCUA Peer 2: $2M–$10M Withheld · 656 of 670	NCUA Peer 3: $10M–$50M 1,295 of 1,312	NCUA Peer 4: $50M–$100M 643 of 646	NCUA Peer 5: $100M–$500M 1,058 of 1,058	NCUA Peer 6: >$500M 710 of 710
Asset quality
Delinquent Loans / Total Loans Ratio of sums	0.72% 19‱ up	— withheld	0.94% 10‱ up	0.77% 15‱ up	0.63% 14‱ up	0.66% 17‱ up	0.58% 18‱ up	1.03% 22‱ up	— withheld	— withheld	0.94% 10‱ up	0.77% 15‱ up	0.63% 14‱ up	0.73% 20‱ up
Net Charge-Offs / Average Loans Ratio of sums	0.56% 25‱ up	— withheld	0.36% 14‱ up	0.37% 14‱ up	0.35% 15‱ up	0.40% 18‱ up	0.41% 20‱ up	1.01% 41‱ up	— withheld	— withheld	0.36% 14‱ up	0.37% 14‱ up	0.35% 15‱ up	0.59% 27‱ up
Provision for Loan/Lease Losses or Credit Loss Expense / Average Assets Ratio of sums	0.45% 24‱ up	— withheld	0.17% 8‱ up	0.19% 8‱ up	0.24% 12‱ up	0.29% 14‱ up	0.34% 19‱ up	0.88% 45‱ up	— withheld	— withheld	0.17% 8‱ up	0.19% 8‱ up	0.24% 12‱ up	0.49% 26‱ up
Capital
Net Worth / Total Assets for Prompt Corrective Action Ratio of sums	11.0% 38‱ up	— withheld	12.9% 97‱ up	12.5% 111‱ up	11.3% 72‱ up	10.9% 33‱ up	11.0% 40‱ up	10.7% 10‱ up	— withheld	— withheld	12.9% 97‱ up	12.5% 111‱ up	11.3% 72‱ up	10.9% 30‱ up
Net Worth / Total Assets excluding CECL Transition Provision Ratio of sums	10.7% 12‱ up	— withheld	12.8% 86‱ up	12.4% 102‱ up	11.2% 61‱ up	10.7% 18‱ up	10.7% 22‱ up	10.2% (41‱) down	— withheld	— withheld	12.8% 86‱ up	12.4% 102‱ up	11.2% 61‱ up	10.6% 3‱ up
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL Ratio of sums	11.8% 72‱ up	— withheld	13.3% 106‱ up	12.9% 120‱ up	11.7% 84‱ up	11.5% 54‱ up	11.6% 65‱ up	12.0% 81‱ up	— withheld	— withheld	13.3% 106‱ up	12.9% 120‱ up	11.7% 84‱ up	11.7% 69‱ up
GAAP Equity / Total Assets Ratio of sums	8.7% 14‱ up	— withheld	12.3% 79‱ up	11.3% 92‱ up	9.4% 57‱ up	8.5% 18‱ up	8.6% 23‱ up	8.1% (30‱) down	— withheld	— withheld	12.3% 79‱ up	11.3% 92‱ up	9.4% 57‱ up	8.5% 7‱ up
Liquidity and balance sheet
Cash + Short-Term Investments / Assets Ratio of sums	11.0% (37‱) down	— withheld	22.5% (201‱) down	18.3% (138‱) down	12.7% (98‱) down	10.5% 14‱ up	10.6% 31‱ up	9.7% (127‱) down	— withheld	— withheld	22.5% (201‱) down	18.3% (138‱) down	12.7% (98‱) down	10.3% (17‱) down
Total Loans / Total Shares Ratio of sums	84.8% 636‱ up	— withheld	60.6% 782‱ up	64.7% 582‱ up	75.4% 651‱ up	83.0% 455‱ up	87.3% 541‱ up	88.0% 836‱ up	— withheld	— withheld	60.6% 782‱ up	64.7% 582‱ up	75.4% 651‱ up	87.0% 617‱ up
Total Loans / Total Assets Ratio of sums	71.3% 353‱ up	— withheld	52.5% 617‱ up	56.4% 427‱ up	65.7% 436‱ up	71.0% 236‱ up	72.8% 241‱ up	73.3% 522‱ up	— withheld	— withheld	52.5% 617‱ up	56.4% 427‱ up	65.7% 436‱ up	72.8% 322‱ up
Borrowings / Total Shares & Net Worth Ratio of sums	6.1% 221‱ up	— withheld	0.4% 22‱ up	0.7% 27‱ up	2.4% 121‱ up	4.9% 175‱ up	6.9% 245‱ up	7.5% 250‱ up	— withheld	— withheld	0.4% 22‱ up	0.7% 27‱ up	2.4% 121‱ up	6.8% 240‱ up
Earnings, annualized
Return on Average Assets (ROAA) Ratio of sums	0.76% (12‱) down	— withheld	0.70% 29‱ up	0.79% 20‱ up	0.74% 3‱ up	0.66% (13‱) down	0.77% (15‱) down	0.78% (21‱) down	— withheld	— withheld	0.70% 29‱ up	0.79% 20‱ up	0.74% 3‱ up	0.76% (16‱) down
Net Interest Margin / Average Assets Ratio of sums	3.0% 24‱ up	— withheld	3.3% 69‱ up	3.2% 58‱ up	3.2% 42‱ up	3.1% 25‱ up	2.8% 15‱ up	3.3% 25‱ up	— withheld	— withheld	3.3% 69‱ up	3.2% 58‱ up	3.2% 42‱ up	3.0% 20‱ up
Yield on Average Loans Ratio of sums	5.1% 82‱ up	— withheld	5.4% 35‱ up	5.2% 51‱ up	5.1% 66‱ up	5.0% 70‱ up	4.9% 84‱ up	5.7% 90‱ up	— withheld	— withheld	5.4% 35‱ up	5.2% 51‱ up	5.1% 66‱ up	5.1% 85‱ up
Cost of Funds / Average Assets Ratio of sums	1.31% 90‱ up	— withheld	0.53% 31‱ up	0.58% 36‱ up	0.85% 57‱ up	1.07% 72‱ up	1.40% 97‱ up	1.55% 102‱ up	— withheld	— withheld	0.53% 31‱ up	0.58% 36‱ up	0.85% 57‱ up	1.41% 96‱ up
Fee & Other Operating Income / Average Assets Ratio of sums	1.06% (4‱) down	— withheld	0.84% (6‱) down	1.06% (7‱) down	1.19% (5‱) down	1.20% (10‱) down	1.08% (7‱) down	0.94% 7‱ up	— withheld	— withheld	0.84% (6‱) down	1.06% (7‱) down	1.19% (5‱) down	1.05% (4‱) down
Non-Interest Expense / Average Assets Ratio of sums	2.9% 12‱ up	— withheld	3.3% 25‱ up	3.4% 23‱ up	3.4% 21‱ up	3.4% 16‱ up	2.8% 9‱ up	2.7% 14‱ up	— withheld	— withheld	3.3% 25‱ up	3.4% 23‱ up	3.4% 21‱ up	2.9% 11‱ up
Non-Interest Expense / Gross Income Ratio of sums	54.3% (1,098‱) down	— withheld	71.7% (1,149‱) down	69.9% (935‱) down	65.9% (968‱) down	63.4% (861‱) down	53.5% (1,116‱) down	45.8% (1,065‱) down	— withheld	— withheld	71.7% (1,149‱) down	69.9% (935‱) down	65.9% (968‱) down	52.2% (1,099‱) down
Growth, annualized year to date
Asset Growth (Annualized) Ratio of sums	4.3% (209‱) down	— withheld	(2.6%) (545‱) down	(0.9%) (487‱) down	1.3% (288‱) down	2.8% (317‱) down	4.4% (285‱) down	6.8% 62‱ up	— withheld	— withheld	(2.6%) (545‱) down	(0.9%) (487‱) down	1.3% (288‱) down	4.9% (187‱) down
Loan Growth (Annualized) Ratio of sums	7.8% (1,421‱) down	— withheld	8.5% (325‱) down	8.2% (641‱) down	6.4% (1,029‱) down	5.9% (1,451‱) down	7.2% (1,603‱) down	10.2% (1,337‱) down	— withheld	— withheld	8.5% (325‱) down	8.2% (641‱) down	6.4% (1,029‱) down	7.9% (1,506‱) down
Share Growth (Annualized) Ratio of sums	2.3% (346‱) down	— withheld	(4.0%) (689‱) down	(2.2%) (667‱) down	(0.2%) (499‱) down	1.0% (426‱) down	2.4% (347‱) down	4.8% (195‱) down	— withheld	— withheld	(4.0%) (689‱) down	(2.2%) (667‱) down	(0.2%) (499‱) down	2.9% (310‱) down
Net Worth Growth (Annualized) Ratio of sums	7.8% (294‱) down	— withheld	6.1% 218‱ up	7.6% 88‱ up	7.5% (80‱) down	6.7% (530‱) down	8.2% (336‱) down	8.0% (309‱) down	— withheld	— withheld	6.1% 218‱ up	7.6% 88‱ up	7.5% (80‱) down	8.0% (350‱) down
Membership Growth (Annualized) Ratio of sums	4.06% (145‱) down	— withheld	(0.32%) 25‱ up	0.83% 42‱ up	1.53% 4‱ up	2.15% (127‱) down	4.48% (186‱) down	6.24% (247‱) down	— withheld	— withheld	(0.32%) 25‱ up	0.83% 42‱ up	1.53% 4‱ up	4.74% (189‱) down
Totals, summed
Total Assets Sum	$2.23T 3.7% up	— withheld	$34.05B (5.7%) down	$46.73B (5.0%) down	$241.96B (0.8%) down	$208.66B (1.8%) down	$1.13T 3.7% up	$562.00B 9.5% up	— withheld	— withheld	$34.05B (5.7%) down	$46.73B (5.0%) down	$241.96B (0.8%) down	$1.90T 4.7% up
Total Loans Sum	$1.59T 9.1% up	— withheld	$17.86B 6.9% up	$26.35B 2.8% up	$159.07B 6.3% up	$148.19B 1.6% up	$824.30B 7.2% up	$411.90B 17.9% up	— withheld	— withheld	$17.86B 6.9% up	$26.35B 2.8% up	$159.07B 6.3% up	$1.38T 9.5% up
Total Shares and Deposits Sum	$1.88T 0.9% up	— withheld	$29.49B (6.9%) down	$40.70B (6.5%) down	$210.98B (2.9%) down	$178.50B (4.0%) down	$944.62B 0.6% up	$468.08B 6.7% up	— withheld	— withheld	$29.49B (6.9%) down	$40.70B (6.5%) down	$210.98B (2.9%) down	$1.59T 1.8% up
Net Worth Sum	$245.62B 7.8% up	— withheld	$4.38B 2.0% up	$5.82B 4.4% up	$27.31B 6.1% up	$22.82B 1.7% up	$124.17B 8.0% up	$60.42B 11.4% up	— withheld	— withheld	$4.38B 2.0% up	$5.82B 4.4% up	$27.31B 6.1% up	$207.41B 8.3% up
Other
Average Loan Balance Ratio of sums	17827.3% 84,195‱ up	— withheld	3997.4% 17,018‱ up	6756.6% 20,293‱ up	11060.1% 33,419‱ up	18389.3% 88,910‱ up	21991.2% 102,008‱ up	19944.8% 92,581‱ up	— withheld	— withheld	3997.4% 17,018‱ up	6756.6% 20,293‱ up	11060.1% 33,419‱ up	20914.3% 96,570‱ up
Average Shares Per Member Ratio of sums	13513.2% (33,145‱) down	— withheld	9066.4% (32,206‱) down	10422.5% (33,994‱) down	12176.8% (38,967‱) down	13073.3% (223‱) down	14648.7% (21,845‱) down	13172.0% (72,094‱) down	— withheld	— withheld	9066.4% (32,206‱) down	10422.5% (33,994‱) down	12176.8% (38,967‱) down	13997.8% (35,322‱) down
Borrowers / Members Ratio of sums	64.2% 35‱ up	— withheld	137.3% 799‱ up	99.9% 311‱ up	83.0% 230‱ up	59.0% 39‱ up	58.1% 10‱ up	58.1% (6‱) down	— withheld	— withheld	137.3% 799‱ up	99.9% 311‱ up	83.0% 230‱ up	58.2% 8‱ up
Delinquent Loans / Assets Ratio of sums	0.5% 15‱ up	— withheld	0.5% 11‱ up	0.4% 11‱ up	0.4% 11‱ up	0.5% 13‱ up	0.4% 14‱ up	0.8% 21‱ up	— withheld	— withheld	0.5% 11‱ up	0.4% 11‱ up	0.4% 11‱ up	0.5% 16‱ up
Delinquent Loans / Net Worth Ratio of sums	4.7% 126‱ up	— withheld	3.8% 57‱ up	3.5% 62‱ up	3.7% 80‱ up	4.3% 108‱ up	3.9% 115‱ up	7.0% 183‱ up	— withheld	— withheld	3.8% 57‱ up	3.5% 62‱ up	3.7% 80‱ up	4.8% 136‱ up
Fixed Assets & Foreclosed Assets / Total Assets Ratio of sums	1.8% 3‱ up	— withheld	1.6% 9‱ up	2.1% 7‱ up	2.4% 15‱ up	2.3% 5‱ up	1.7% (2‱) flat	1.6% 10‱ up	— withheld	— withheld	1.6% 9‱ up	2.1% 7‱ up	2.4% 15‱ up	1.8% 2‱ flat
Gross Income / Average Assets Ratio of sums	5.4% 110‱ up	— withheld	4.6% 94‱ up	4.9% 87‱ up	5.2% 95‱ up	5.3% 87‱ up	5.3% 105‱ up	5.8% 135‱ up	— withheld	— withheld	4.6% 94‱ up	4.9% 87‱ up	5.2% 95‱ up	5.5% 112‱ up
Members / Full-Time Equivalent Employees Ratio of sums	400.3% 122‱ up	— withheld	413.8% (665‱) down	381.5% (960‱) down	339.6% (160‱) down	343.5% (743‱) down	393.9% 20‱ up	492.8% 629‱ up	— withheld	— withheld	413.8% (665‱) down	381.5% (960‱) down	339.6% (160‱) down	412.5% 268‱ up
Members / Potential Members Ratio of sums	3.0% (2‱) flat	— withheld	2.9% (8‱) down	2.3% 27‱ up	2.1% (20‱) down	2.2% (21‱) down	3.4% (11‱) down	3.4% 33‱ up	— withheld	— withheld	2.9% (8‱) down	2.3% 27‱ up	2.1% (20‱) down	3.2% 1‱ flat
Net Margin / Average Assets Ratio of sums	4.1% 20‱ up	— withheld	4.1% 62‱ up	4.3% 51‱ up	4.4% 37‱ up	4.3% 15‱ up	3.9% 8‱ up	4.3% 33‱ up	— withheld	— withheld	4.1% 62‱ up	4.3% 51‱ up	4.4% 37‱ up	4.1% 16‱ up
Net Operating Expense / Average Assets Ratio of sums	2.5% 13‱ up	— withheld	2.8% 25‱ up	2.8% 23‱ up	2.8% 22‱ up	2.8% 21‱ up	2.4% 10‱ up	2.3% 14‱ up	— withheld	— withheld	2.8% 25‱ up	2.8% 23‱ up	2.8% 22‱ up	2.4% 12‱ up
Other Non-Performing Assets / Total Assets Ratio of sums	0.0% 1‱ flat	— withheld	0.0% 1‱ flat	0.0% 0‱ flat	0.0% 1‱ flat	0.0% 1‱ flat	0.0% 1‱ flat	0.0% 1‱ flat	— withheld	— withheld	0.0% 1‱ flat	0.0% 0‱ flat	0.0% 1‱ flat	0.0% 1‱ flat
Regular Shares / Total Shares & Borrowings Ratio of sums	29.3% (567‱) down	— withheld	58.6% (366‱) down	50.7% (338‱) down	39.9% (470‱) down	32.7% (512‱) down	27.9% (560‱) down	22.6% (575‱) down	— withheld	— withheld	58.6% (366‱) down	50.7% (338‱) down	39.9% (470‱) down	26.9% (570‱) down
Salary And Benefits / Full-Time Equivalent Employee Ratio of sums	96641.9% 540,081‱ up	— withheld	67131.3% 274,412‱ up	72450.7% 368,025‱ up	80436.7% 434,708‱ up	89987.3% 537,286‱ up	100981.5% 539,602‱ up	110264.8% 565,093‱ up	— withheld	— withheld	67131.3% 274,412‱ up	72450.7% 368,025‱ up	80436.7% 434,708‱ up	101824.8% 570,794‱ up
Yield on Average Investments Ratio of sums	3.0% 162‱ up	— withheld	2.3% 131‱ up	2.3% 127‱ up	2.5% 132‱ up	2.8% 146‱ up	3.1% 170‱ up	3.4% 178‱ up	— withheld	— withheld	2.3% 131‱ up	2.3% 127‱ up	2.5% 132‱ up	3.1% 170‱ up

↑ ↓ against Q3 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, Q3 2022 and Q3 2023 · callseries release v2026.2.27, cut Oct 29, 2026 · peer groups peer-groups.yaml@74abeac

The files for Q3 2023

Accounts curated/accounts/quarter=2023Q3/data.parquet callbase
Account text curated/accounts_text/quarter=2023Q3/data.parquet callbase
Profiles curated/profiles/quarter=2023Q3/data.parquet callbase
Quorum, filer by filer index/quorum/quarter=2023Q3/data.parquet callbase
Peer aggregates releases/v2026.2.27/peer-quarter.parquet callseries

-- One ratio across every group, Q3 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 = '2023Q3'
  AND measure = 'delinquent_loans_to_total_loans'
ORDER BY peer_group;

QuarterCall publishes analysis of publicly available NCUA Call Report data. Nothing here is investment, financial, or membership advice.