Quarter · cycle date December 31, 2023

Q4 2023

✓ Quorum reached

Coverage

Filed, of expected

Filings held

Due

Rates at December 31, 2023 5.3% fed funds · 2-year 4.2% · 10-year 3.9%

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 Q4 2022 appears below each value.

The change compares Q4 2023’s members with Q4 2022’s, because credit unions are grouped by their assets in each quarter.

Q4 2023: each measure's statistic by peer group, with its change on Q4 2022
Measure	All FICUs 4,604 of 4,644	<$10M Withheld · 928 of 948	$10M–$50M 1,274 of 1,289	$50M–$100M 630 of 635	$100M–$500M 1,058 of 1,058	$500M–$1B 282 of 282	$1B–$10B 411 of 411	>$10B 21 of 21	NCUA Peer 1: <$2M Withheld · 276 of 281	NCUA Peer 2: $2M–$10M Withheld · 652 of 667	NCUA Peer 3: $10M–$50M 1,274 of 1,289	NCUA Peer 4: $50M–$100M 630 of 635	NCUA Peer 5: $100M–$500M 1,058 of 1,058	NCUA Peer 6: >$500M 714 of 714
Asset quality
Delinquent Loans / Total Loans Ratio of sums	0.83% 21‱ up	— withheld	1.03% 11‱ up	0.85% 14‱ up	0.72% 16‱ up	0.77% 20‱ up	0.68% 20‱ up	1.18% 27‱ up	— withheld	— withheld	1.03% 11‱ up	0.85% 14‱ up	0.72% 16‱ up	0.84% 22‱ up
Net Charge-Offs / Average Loans Ratio of sums	0.61% 27‱ up	— withheld	0.39% 13‱ up	0.39% 14‱ up	0.38% 15‱ up	0.45% 19‱ up	0.45% 21‱ up	1.13% 50‱ up	— withheld	— withheld	0.39% 13‱ up	0.39% 14‱ up	0.38% 15‱ up	0.65% 29‱ up
Provision for Loan/Lease Losses or Credit Loss Expense / Average Assets Ratio of sums	0.51% 25‱ up	— withheld	0.21% 9‱ up	0.22% 8‱ up	0.27% 12‱ up	0.34% 16‱ up	0.38% 19‱ up	1.01% 51‱ up	— withheld	— withheld	0.21% 9‱ up	0.22% 8‱ up	0.27% 12‱ up	0.56% 28‱ up
Capital
Net Worth / Total Assets for Prompt Corrective Action Ratio of sums	11.0% 17‱ up	— withheld	13.2% 104‱ up	12.6% 101‱ up	11.4% 59‱ up	10.9% 10‱ up	10.9% 24‱ up	10.5% (24‱) down	— withheld	— withheld	13.2% 104‱ up	12.6% 101‱ up	11.4% 59‱ up	10.8% 9‱ up
Net Worth / Total Assets excluding CECL Transition Provision Ratio of sums	10.7% (5‱) down	— withheld	13.0% 88‱ up	12.5% 93‱ up	11.3% 49‱ up	10.7% (5‱) down	10.7% 8‱ up	10.1% (67‱) down	— withheld	— withheld	13.0% 88‱ up	12.5% 93‱ up	11.3% 49‱ up	10.5% (15‱) down
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL Ratio of sums	11.7% 50‱ up	— withheld	13.5% 106‱ up	13.0% 111‱ up	11.8% 73‱ up	11.4% 33‱ up	11.5% 49‱ up	11.9% 41‱ up	— withheld	— withheld	13.5% 106‱ up	13.0% 111‱ up	11.8% 73‱ up	11.6% 46‱ up
GAAP Equity / Total Assets Ratio of sums	9.1% 34‱ up	— withheld	12.6% 88‱ up	11.7% 108‱ up	9.8% 79‱ up	8.9% 35‱ up	9.1% 49‱ up	8.4% (23‱) down	— withheld	— withheld	12.6% 88‱ up	11.7% 108‱ up	9.8% 79‱ up	8.9% 27‱ up
Liquidity and balance sheet
Cash + Short-Term Investments / Assets Ratio of sums	11.5% 131‱ up	— withheld	22.7% (28‱) down	18.8% 93‱ up	13.1% 71‱ up	11.1% 161‱ up	11.1% 167‱ up	10.3% 109‱ up	— withheld	— withheld	22.7% (28‱) down	18.8% 93‱ up	13.1% 71‱ up	10.9% 149‱ up
Total Loans / Total Shares Ratio of sums	85.2% 376‱ up	— withheld	61.8% 625‱ up	65.8% 441‱ up	76.0% 438‱ up	83.3% 246‱ up	87.6% 293‱ up	88.3% 481‱ up	— withheld	— withheld	61.8% 625‱ up	65.8% 441‱ up	76.0% 438‱ up	87.4% 344‱ up
Total Loans / Total Assets Ratio of sums	71.1% 155‱ up	— withheld	53.3% 475‱ up	57.1% 306‱ up	65.8% 264‱ up	70.7% 80‱ up	72.6% 89‱ up	72.5% 192‱ up	— withheld	— withheld	53.3% 475‱ up	57.1% 306‱ up	65.8% 264‱ up	72.4% 119‱ up
Borrowings / Total Shares & Net Worth Ratio of sums	6.4% 166‱ up	— withheld	0.4% 9‱ up	0.6% 7‱ up	2.5% 74‱ up	5.2% 125‱ up	7.0% 139‱ up	8.3% 287‱ up	— withheld	— withheld	0.4% 9‱ up	0.6% 7‱ up	2.5% 74‱ up	7.2% 181‱ up
Earnings, annualized
Return on Average Assets (ROAA) Ratio of sums	0.68% (21‱) down	— withheld	0.63% 21‱ up	0.74% 12‱ up	0.68% (5‱) down	0.60% (23‱) down	0.69% (22‱) down	0.68% (31‱) down	— withheld	— withheld	0.63% 21‱ up	0.74% 12‱ up	0.68% (5‱) down	0.68% (25‱) down
Net Interest Margin / Average Assets Ratio of sums	3.0% 15‱ up	— withheld	3.3% 61‱ up	3.2% 49‱ up	3.2% 33‱ up	3.1% 18‱ up	2.8% 8‱ up	3.3% 15‱ up	— withheld	— withheld	3.3% 61‱ up	3.2% 49‱ up	3.2% 33‱ up	3.0% 11‱ up
Yield on Average Loans Ratio of sums	5.3% 82‱ up	— withheld	5.5% 44‱ up	5.4% 56‱ up	5.2% 70‱ up	5.1% 73‱ up	5.0% 82‱ up	5.8% 92‱ up	— withheld	— withheld	5.5% 44‱ up	5.4% 56‱ up	5.2% 70‱ up	5.2% 84‱ up
Cost of Funds / Average Assets Ratio of sums	1.42% 91‱ up	— withheld	0.59% 34‱ up	0.65% 40‱ up	0.94% 61‱ up	1.17% 75‱ up	1.52% 98‱ up	1.66% 102‱ up	— withheld	— withheld	0.59% 34‱ up	0.65% 40‱ up	0.94% 61‱ up	1.52% 97‱ up
Fee & Other Operating Income / Average Assets Ratio of sums	1.07% (4‱) down	— withheld	0.84% (7‱) down	1.06% (6‱) down	1.18% (5‱) down	1.21% (13‱) down	1.08% (6‱) down	0.96% 5‱ up	— withheld	— withheld	0.84% (7‱) down	1.06% (6‱) down	1.18% (5‱) down	1.06% (4‱) down
Non-Interest Expense / Average Assets Ratio of sums	3.0% 10‱ up	— withheld	3.4% 25‱ up	3.5% 23‱ up	3.5% 20‱ up	3.4% 14‱ up	2.9% 9‱ up	2.7% 9‱ up	— withheld	— withheld	3.4% 25‱ up	3.5% 23‱ up	3.5% 20‱ up	2.9% 9‱ up
Non-Interest Expense / Gross Income Ratio of sums	53.6% (985‱) down	— withheld	71.8% (998‱) down	69.6% (818‱) down	65.3% (858‱) down	62.6% (790‱) down	52.9% (1,001‱) down	45.0% (978‱) down	— withheld	— withheld	71.8% (998‱) down	69.6% (818‱) down	65.3% (858‱) down	51.5% (987‱) down
Growth, annualized year to date
Asset Growth (Annualized) Ratio of sums	4.5% (117‱) down	— withheld	(2.9%) (381‱) down	(1.0%) (292‱) down	1.5% (179‱) down	3.2% (222‱) down	4.6% (220‱) down	7.0% 186‱ up	— withheld	— withheld	(2.9%) (381‱) down	(1.0%) (292‱) down	1.5% (179‱) down	5.1% (102‱) down
Loan Growth (Annualized) Ratio of sums	6.7% (1,373‱) down	— withheld	7.1% (503‱) down	6.9% (736‱) down	5.5% (1,055‱) down	5.1% (1,375‱) down	6.3% (1,518‱) down	8.8% (1,310‱) down	— withheld	— withheld	7.1% (503‱) down	6.9% (736‱) down	5.5% (1,055‱) down	6.9% (1,441‱) down
Share Growth (Annualized) Ratio of sums	2.1% (175‱) down	— withheld	(4.2%) (480‱) down	(2.4%) (413‱) down	(0.3%) (307‱) down	1.1% (256‱) down	2.4% (174‱) down	3.9% (46‱) down	— withheld	— withheld	(4.2%) (480‱) down	(2.4%) (413‱) down	(0.3%) (307‱) down	2.7% (147‱) down
Net Worth Growth (Annualized) Ratio of sums	6.2% (427‱) down	— withheld	5.2% 134‱ up	7.0% 23‱ up	6.5% (190‱) down	5.7% (588‱) down	6.6% (442‱) down	5.3% (550‱) down	— withheld	— withheld	5.2% 134‱ up	7.0% 23‱ up	6.5% (190‱) down	6.2% (489‱) down
Membership Growth (Annualized) Ratio of sums	3.45% (146‱) down	— withheld	(0.48%) 23‱ up	0.21% 13‱ up	0.97% (57‱) down	1.69% (131‱) down	3.75% (176‱) down	5.68% (219‱) down	— withheld	— withheld	(0.48%) 23‱ up	0.21% 13‱ up	0.97% (57‱) down	4.09% (179‱) down
Totals, summed
Total Assets Sum	$2.26T 4.1% up	— withheld	$33.54B (6.3%) down	$45.64B (4.7%) down	$241.56B (0.6%) down	$204.86B (1.5%) down	$1.16T 5.6% up	$561.88B 6.8% up	— withheld	— withheld	$33.54B (6.3%) down	$45.64B (4.7%) down	$241.56B (0.6%) down	$1.93T 5.1% up
Total Loans Sum	$1.60T 6.4% up	— withheld	$17.89B 2.9% up	$26.08B 0.7% up	$159.02B 3.6% up	$144.87B (0.3%) down	$845.61B 6.9% up	$407.27B 9.7% up	— withheld	— withheld	$17.89B 2.9% up	$26.08B 0.7% up	$159.02B 3.6% up	$1.40T 6.9% up
Total Shares and Deposits Sum	$1.88T 1.7% up	— withheld	$28.95B (7.5%) down	$39.61B (6.1%) down	$209.20B (2.4%) down	$173.90B (3.3%) down	$965.00B 3.3% up	$461.22B 3.7% up	— withheld	— withheld	$28.95B (7.5%) down	$39.61B (6.1%) down	$209.20B (2.4%) down	$1.60T 2.7% up
Net Worth Sum	$246.25B 5.8% up	— withheld	$4.39B 1.1% up	$5.75B 3.6% up	$27.45B 4.9% up	$22.20B (0.2%) down	$126.71B 8.1% up	$59.05B 4.4% up	— withheld	— withheld	$4.39B 1.1% up	$5.75B 3.6% up	$27.45B 4.9% up	$207.96B 6.1% up
Other
Average Loan Balance Ratio of sums	17921.3% 77,605‱ up	— withheld	4040.1% 18,906‱ up	6904.4% 40,647‱ up	11143.7% 40,783‱ up	18376.0% 76,000‱ up	22148.2% 85,365‱ up	19704.3% 58,636‱ up	— withheld	— withheld	4040.1% 18,906‱ up	6904.4% 40,647‱ up	11143.7% 40,783‱ up	20945.6% 77,130‱ up
Average Shares Per Member Ratio of sums	13508.5% (17,255‱) down	— withheld	9007.4% (21,389‱) down	10390.0% (32,086‱) down	12170.9% (22,357‱) down	13088.8% 7,221‱ up	14672.8% (13,115‱) down	13049.6% (41,696‱) down	— withheld	— withheld	9007.4% (21,389‱) down	10390.0% (32,086‱) down	12170.9% (22,357‱) down	13987.3% (19,034‱) down
Borrowers / Members Ratio of sums	64.2% (76‱) down	— withheld	137.8% 476‱ up	99.1% (218‱) down	83.0% 32‱ up	59.3% (40‱) down	58.1% (83‱) down	58.5% (33‱) down	— withheld	— withheld	137.8% 476‱ up	99.1% (218‱) down	83.0% 32‱ up	58.3% (63‱) down
Delinquent Loans / Assets Ratio of sums	0.6% 16‱ up	— withheld	0.6% 10‱ up	0.5% 10‱ up	0.5% 12‱ up	0.5% 15‱ up	0.5% 15‱ up	0.9% 21‱ up	— withheld	— withheld	0.6% 10‱ up	0.5% 10‱ up	0.5% 12‱ up	0.6% 17‱ up
Delinquent Loans / Net Worth Ratio of sums	5.4% 142‱ up	— withheld	4.2% 52‱ up	3.8% 53‱ up	4.1% 89‱ up	5.0% 133‱ up	4.6% 131‱ up	8.2% 214‱ up	— withheld	— withheld	4.2% 52‱ up	3.8% 53‱ up	4.1% 89‱ up	5.6% 153‱ up
Fixed Assets & Foreclosed Assets / Total Assets Ratio of sums	1.8% 1‱ flat	— withheld	1.6% 5‱ up	2.2% 11‱ up	2.4% 13‱ up	2.3% 10‱ up	1.7% (3‱) down	1.5% 3‱ up	— withheld	— withheld	1.6% 5‱ up	2.2% 11‱ up	2.4% 13‱ up	1.7% 0‱ flat
Gross Income / Average Assets Ratio of sums	5.5% 102‱ up	— withheld	4.7% 89‱ up	5.0% 83‱ up	5.3% 89‱ up	5.5% 80‱ up	5.4% 99‱ up	6.0% 123‱ up	— withheld	— withheld	4.7% 89‱ up	5.0% 83‱ up	5.3% 89‱ up	5.6% 104‱ up
Members / Full-Time Equivalent Employees Ratio of sums	400.0% 172‱ up	— withheld	408.3% (1,009‱) down	378.2% (1,022‱) down	336.1% (354‱) down	340.6% (806‱) down	393.1% 355‱ up	501.2% 909‱ up	— withheld	— withheld	408.3% (1,009‱) down	378.2% (1,022‱) down	336.1% (354‱) down	413.2% 411‱ up
Members / Potential Members Ratio of sums	2.9% (3‱) down	— withheld	2.9% 63‱ up	2.1% 8‱ up	2.0% (20‱) down	2.2% (20‱) down	3.4% (9‱) down	3.4% 22‱ up	— withheld	— withheld	2.9% 63‱ up	2.1% 8‱ up	2.0% (20‱) down	3.2% (2‱) flat
Net Margin / Average Assets Ratio of sums	4.1% 11‱ up	— withheld	4.2% 55‱ up	4.3% 43‱ up	4.4% 28‱ up	4.3% 5‱ up	3.9% 2‱ flat	4.3% 21‱ up	— withheld	— withheld	4.2% 55‱ up	4.3% 43‱ up	4.4% 28‱ up	4.0% 7‱ up
Net Operating Expense / Average Assets Ratio of sums	2.5% 12‱ up	— withheld	2.9% 26‱ up	2.8% 22‱ up	2.8% 21‱ up	2.8% 18‱ up	2.4% 10‱ up	2.3% 8‱ up	— withheld	— withheld	2.9% 26‱ up	2.8% 22‱ up	2.8% 21‱ up	2.5% 10‱ 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	28.2% (550‱) down	— withheld	57.3% (447‱) down	49.7% (367‱) down	38.8% (483‱) down	31.4% (534‱) down	26.8% (486‱) down	21.7% (650‱) down	— withheld	— withheld	57.3% (447‱) down	49.7% (367‱) down	38.8% (483‱) down	25.8% (544‱) down
Salary And Benefits / Full-Time Equivalent Employee Ratio of sums	97002.8% 531,193‱ up	— withheld	68189.0% 313,906‱ up	73350.3% 319,762‱ up	80671.2% 425,644‱ up	89903.3% 454,485‱ up	101317.3% 563,292‱ up	111126.8% 609,196‱ up	— withheld	— withheld	68189.0% 313,906‱ up	73350.3% 319,762‱ up	80671.2% 425,644‱ up	102207.7% 571,117‱ up
Yield on Average Investments Ratio of sums	3.1% 143‱ up	— withheld	2.4% 122‱ up	2.4% 112‱ up	2.6% 117‱ up	2.8% 130‱ up	3.1% 152‱ up	3.4% 153‱ up	— withheld	— withheld	2.4% 122‱ up	2.4% 112‱ up	2.6% 117‱ up	3.2% 149‱ up

↑ ↓ against Q4 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, Q4 2022 and Q4 2023 · callseries release v2026.2.27, cut Oct 29, 2026 · peer groups peer-groups.yaml@74abeac

The files for Q4 2023

Accounts curated/accounts/quarter=2023Q4/data.parquet callbase
Account text curated/accounts_text/quarter=2023Q4/data.parquet callbase
Profiles curated/profiles/quarter=2023Q4/data.parquet callbase
Quorum, filer by filer index/quorum/quarter=2023Q4/data.parquet callbase
Peer aggregates releases/v2026.2.27/peer-quarter.parquet callseries

-- One ratio across every group, Q4 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 = '2023Q4'
  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.