Quarter · cycle date March 31, 2024

Q1 2024

✓ Quorum reached

Coverage

Filed, of expected

Filings held

Due

Rates at March 31, 2024 5.3% fed funds · 2-year 4.6% · 10-year 4.2%

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 Q1 2023 appears below each value.

The change compares Q1 2024’s members with Q1 2023’s, because credit unions are grouped by their assets in each quarter.

Q1 2024: each measure's statistic by peer group, with its change on Q1 2023
Measure	All FICUs 4,572 of 4,607	<$10M 911 of 927	$10M–$50M 1,253 of 1,266	$50M–$100M 622 of 623	$100M–$500M 1,069 of 1,072	$500M–$1B 274 of 275	$1B–$10B 422 of 423	>$10B 21 of 21	NCUA Peer 1: <$2M Withheld · 276 of 282	NCUA Peer 2: $2M–$10M 635 of 645	NCUA Peer 3: $10M–$50M 1,253 of 1,266	NCUA Peer 4: $50M–$100M 622 of 623	NCUA Peer 5: $100M–$500M 1,069 of 1,072	NCUA Peer 6: >$500M 717 of 719
Asset quality
Delinquent Loans / Total Loans Ratio of sums	0.78% 25‱ up	1.48% —	0.95% 18‱ up	0.78% 18‱ up	0.64% 16‱ up	0.66% 18‱ up	0.62% 20‱ up	1.18% 41‱ up	— withheld	1.36% 20‱ up	0.95% 18‱ up	0.78% 18‱ up	0.64% 16‱ up	0.79% 26‱ up
Net Charge-Offs / Average Loans Ratio of sums	0.81% 29‱ up	0.45% —	0.41% 6‱ up	0.45% 12‱ up	0.48% 16‱ up	0.58% 21‱ up	0.62% 23‱ up	1.44% 50‱ up	— withheld	0.43% 10‱ up	0.41% 6‱ up	0.45% 12‱ up	0.48% 16‱ up	0.85% 31‱ up
Provision for Loan/Lease Losses or Credit Loss Expense / Average Assets Ratio of sums	0.56% 16‱ up	0.29% —	0.25% 12‱ up	0.25% 10‱ up	0.31% 11‱ up	0.41% 16‱ up	0.46% 16‱ up	0.95% 18‱ up	— withheld	0.27% 9‱ up	0.25% 12‱ up	0.25% 10‱ up	0.31% 11‱ up	0.60% 16‱ up
Capital
Net Worth / Total Assets for Prompt Corrective Action Ratio of sums	10.9% 13‱ up	17.8% —	13.2% 94‱ up	12.6% 88‱ up	11.3% 44‱ up	10.8% 9‱ up	10.9% 16‱ up	10.5% (15‱) down	— withheld	17.6% 141‱ up	13.2% 94‱ up	12.6% 88‱ up	11.3% 44‱ up	10.7% 6‱ up
Net Worth / Total Assets excluding CECL Transition Provision Ratio of sums	10.6% 13‱ up	17.8% —	13.1% 93‱ up	12.5% 88‱ up	11.2% 43‱ up	10.6% 5‱ up	10.6% 17‱ up	10.0% (12‱) down	— withheld	17.6% 138‱ up	13.1% 93‱ up	12.5% 88‱ up	11.2% 43‱ up	10.4% 7‱ up
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL Ratio of sums	11.6% 18‱ up	18.3% —	13.6% 95‱ up	13.0% 91‱ up	11.8% 49‱ up	11.4% 18‱ up	11.4% 20‱ up	11.7% (10‱) down	— withheld	18.1% 142‱ up	13.6% 95‱ up	13.0% 91‱ up	11.8% 49‱ up	11.5% 11‱ up
GAAP Equity / Total Assets Ratio of sums	9.0% 29‱ up	17.6% —	12.7% 95‱ up	11.7% 90‱ up	9.8% 56‱ up	8.9% 23‱ up	9.0% 35‱ up	8.3% 4‱ up	— withheld	17.4% 137‱ up	12.7% 95‱ up	11.7% 90‱ up	9.8% 56‱ up	8.8% 25‱ up
Liquidity and balance sheet
Cash + Short-Term Investments / Assets Ratio of sums	13.7% 229‱ up	32.2% —	24.9% 172‱ up	21.2% 255‱ up	15.6% 229‱ up	13.2% 266‱ up	13.4% 273‱ up	12.4% 146‱ up	— withheld	31.5% 83‱ up	24.9% 172‱ up	21.2% 255‱ up	15.6% 229‱ up	13.1% 235‱ up
Total Loans / Total Shares Ratio of sums	82.8% 177‱ up	63.8% —	60.5% 431‱ up	64.2% 229‱ up	73.8% 248‱ up	80.7% 61‱ up	85.1% 91‱ up	85.5% 274‱ up	— withheld	64.1% 603‱ up	60.5% 431‱ up	64.2% 229‱ up	73.8% 248‱ up	84.8% 145‱ up
Total Loans / Total Assets Ratio of sums	69.4% 18‱ up	52.1% —	52.2% 310‱ up	55.8% 133‱ up	64.1% 115‱ up	69.0% (51‱) down	70.9% (43‱) down	70.8% 51‱ up	— withheld	52.5% 406‱ up	52.2% 310‱ up	55.8% 133‱ up	64.1% 115‱ up	70.7% (15‱) down
Borrowings / Total Shares & Net Worth Ratio of sums	6.0% 118‱ up	0.3% —	0.2% 2‱ flat	0.5% 3‱ up	2.3% 71‱ up	4.6% 94‱ up	6.7% 97‱ up	7.6% 190‱ up	— withheld	0.3% 4‱ up	0.2% 2‱ flat	0.5% 3‱ up	2.3% 71‱ up	6.8% 126‱ up
Earnings, annualized
Return on Average Assets (ROAA) Ratio of sums	0.66% (15‱) down	0.50% —	0.60% 3‱ up	0.58% (20‱) down	0.58% (14‱) down	0.48% (15‱) down	0.68% (12‱) down	0.71% (24‱) down	— withheld	0.51% 35‱ up	0.60% 3‱ up	0.58% (20‱) down	0.58% (14‱) down	0.67% (16‱) down
Net Interest Margin / Average Assets Ratio of sums	3.0% (1‱) flat	4.0% —	3.5% 41‱ up	3.3% 25‱ up	3.2% 11‱ up	3.0% (3‱) down	2.8% (6‱) down	3.3% 0‱ flat	— withheld	3.9% 54‱ up	3.5% 41‱ up	3.3% 25‱ up	3.2% 11‱ up	3.0% (4‱) down
Yield on Average Loans Ratio of sums	5.7% 78‱ up	6.4% —	5.9% 63‱ up	5.7% 70‱ up	5.6% 78‱ up	5.5% 73‱ up	5.4% 80‱ up	6.2% 77‱ up	— withheld	6.4% 46‱ up	5.9% 63‱ up	5.7% 70‱ up	5.6% 78‱ up	5.7% 78‱ up
Cost of Funds / Average Assets Ratio of sums	1.84% 79‱ up	0.76% —	0.83% 41‱ up	0.93% 46‱ up	1.30% 64‱ up	1.55% 70‱ up	1.96% 85‱ up	2.08% 78‱ up	— withheld	0.78% 36‱ up	0.83% 41‱ up	0.93% 46‱ up	1.30% 64‱ up	1.95% 81‱ up
Fee & Other Operating Income / Average Assets Ratio of sums	1.02% (2‱) flat	0.53% —	0.80% (1‱) flat	1.00% (4‱) down	1.13% (2‱) flat	1.17% 6‱ up	1.04% (1‱) flat	0.88% (7‱) down	— withheld	0.54% 3‱ up	0.80% (1‱) flat	1.00% (4‱) down	1.13% (2‱) flat	1.01% (2‱) flat
Non-Interest Expense / Average Assets Ratio of sums	3.0% 5‱ up	4.0% —	3.5% 24‱ up	3.6% 25‱ up	3.5% 17‱ up	3.4% 9‱ up	2.9% 3‱ up	2.6% 3‱ up	— withheld	3.9% 36‱ up	3.5% 24‱ up	3.6% 25‱ up	3.5% 17‱ up	2.9% 3‱ up
Non-Interest Expense / Gross Income Ratio of sums	50.4% (645‱) down	76.1% —	68.3% (723‱) down	67.5% (434‱) down	62.7% (585‱) down	59.7% (687‱) down	49.5% (708‱) down	42.3% (489‱) down	— withheld	75.0% (792‱) down	68.3% (723‱) down	67.5% (434‱) down	62.7% (585‱) down	48.3% (643‱) down
Growth, annualized year to date
Asset Growth (Annualized) Ratio of sums	9.8% 119‱ up	0.6% —	4.6% 333‱ up	6.7% 287‱ up	8.5% 185‱ up	7.6% 126‱ up	10.3% 199‱ up	10.6% (126‱) down	— withheld	0.8% 325‱ up	4.6% 333‱ up	6.7% 287‱ up	8.5% 185‱ up	10.1% 99‱ up
Loan Growth (Annualized) Ratio of sums	0.1% (668‱) down	(4.9%) —	(2.5%) (1,029‱) down	(1.8%) (833‱) down	(1.3%) (725‱) down	(1.7%) (685‱) down	0.5% (601‱) down	0.8% (761‱) down	— withheld	(4.7%) (1,155‱) down	(2.5%) (1,029‱) down	(1.8%) (833‱) down	(1.3%) (725‱) down	0.4% (654‱) down
Share Growth (Annualized) Ratio of sums	12.0% 282‱ up	0.8% —	5.2% 376‱ up	7.7% 374‱ up	10.0% 273‱ up	10.1% 277‱ up	12.1% 403‱ up	14.0% 7‱ up	— withheld	1.1% 380‱ up	5.2% 376‱ up	7.7% 374‱ up	10.0% 273‱ up	12.5% 275‱ up
Net Worth Growth (Annualized) Ratio of sums	6.5% (202‱) down	2.7% —	5.3% 23‱ up	4.8% (237‱) down	5.7% (216‱) down	4.0% (210‱) down	6.9% (147‱) down	7.1% (331‱) down	— withheld	2.8% 103‱ up	5.3% 23‱ up	4.8% (237‱) down	5.7% (216‱) down	6.7% (205‱) down
Membership Growth (Annualized) Ratio of sums	3.69% (107‱) down	(2.41%) —	(2.24%) (186‱) down	0.26% (41‱) down	0.57% (196‱) down	0.72% (232‱) down	4.13% (78‱) down	6.43% (99‱) down	— withheld	(2.37%) (208‱) down	(2.24%) (186‱) down	0.26% (41‱) down	0.57% (196‱) down	4.46% (98‱) down
Totals, summed
Total Assets Sum	$2.31T 4.4% up	$3.85B —	$33.05B (5.6%) down	$45.02B (6.0%) down	$245.54B 0.4% up	$198.63B (4.1%) down	$1.20T 7.5% up	$576.77B 4.5% up	— withheld	$3.60B (4.2%) down	$33.05B (5.6%) down	$45.02B (6.0%) down	$245.54B 0.4% up	$1.98T 5.3% up
Total Loans Sum	$1.60T 4.6% up	$2.01B —	$17.26B 0.4% up	$25.12B (3.7%) down	$157.51B 2.2% up	$137.08B (4.8%) down	$853.91B 6.8% up	$408.08B 5.3% up	— withheld	$1.89B 3.9% up	$17.26B 0.4% up	$25.12B (3.7%) down	$157.51B 2.2% up	$1.40T 5.1% up
Total Shares and Deposits Sum	$1.93T 2.4% up	$3.14B —	$28.55B (6.8%) down	$39.14B (7.1%) down	$213.34B (1.2%) down	$169.84B (5.5%) down	$1.00T 5.7% up	$477.42B 1.9% up	— withheld	$2.95B (5.9%) down	$28.55B (6.8%) down	$39.14B (7.1%) down	$213.34B (1.2%) down	$1.65T 3.3% up
Net Worth Sum	$249.91B 5.3% up	$684.6M —	$4.36B 1.5% up	$5.67B 1.2% up	$27.71B 4.4% up	$21.43B (3.2%) down	$129.95B 8.9% up	$60.11B 2.2% up	— withheld	$633.0M 4.0% up	$4.36B 1.5% up	$5.67B 1.2% up	$27.71B 4.4% up	$211.48B 5.6% up
Other
Average Loan Balance Ratio of sums	18060.8% 74,669‱ up	9206.7% —	3896.6% 12,521‱ up	7256.1% 69,168‱ up	11223.7% 59,246‱ up	18098.5% 18,995‱ up	22243.2% 75,049‱ up	19870.6% 38,987‱ up	— withheld	9415.7% 83,031‱ up	3896.6% 12,521‱ up	7256.1% 69,168‱ up	11223.7% 59,246‱ up	21038.5% 60,268‱ up
Average Shares Per Member Ratio of sums	13788.3% (4,328‱) down	5062.0% —	9142.3% (15,086‱) down	10555.8% (19,980‱) down	12453.9% (2,965‱) down	13501.2% 27,894‱ up	14921.0% 1,320‱ up	13294.2% (40,826‱) down	— withheld	5410.0% (18,400‱) down	9142.3% (15,086‱) down	10555.8% (19,980‱) down	12453.9% (2,965‱) down	14261.7% (7,072‱) down
Borrowers / Members Ratio of sums	63.2% (152‱) down	35.1% —	141.8% 350‱ up	93.4% (804‱) down	81.9% (186‱) down	60.2% 107‱ up	57.1% (131‱) down	57.2% (101‱) down	— withheld	36.8% (101‱) down	141.8% 350‱ up	93.4% (804‱) down	81.9% (186‱) down	57.5% (97‱) down
Delinquent Loans / Assets Ratio of sums	0.5% 17‱ up	0.8% —	0.5% 12‱ up	0.4% 11‱ up	0.4% 11‱ up	0.5% 12‱ up	0.4% 14‱ up	0.8% 30‱ up	— withheld	0.7% 15‱ up	0.5% 12‱ up	0.4% 11‱ up	0.4% 11‱ up	0.6% 18‱ up
Delinquent Loans / Net Worth Ratio of sums	5.0% 158‱ up	4.3% —	3.8% 67‱ up	3.4% 68‱ up	3.6% 86‱ up	4.2% 111‱ up	4.1% 128‱ up	8.0% 297‱ up	— withheld	4.1% 59‱ up	3.8% 67‱ up	3.4% 68‱ up	3.6% 86‱ up	5.2% 172‱ up
Fixed Assets & Foreclosed Assets / Total Assets Ratio of sums	1.8% 1‱ flat	0.6% —	1.6% 8‱ up	2.1% 8‱ up	2.4% 8‱ up	2.3% 9‱ up	1.7% (2‱) flat	1.5% 0‱ flat	— withheld	0.7% 4‱ up	1.6% 8‱ up	2.1% 8‱ up	2.4% 8‱ up	1.7% 0‱ flat
Gross Income / Average Assets Ratio of sums	5.9% 75‱ up	5.2% —	5.1% 81‱ up	5.3% 67‱ up	5.6% 73‱ up	5.8% 73‱ up	5.8% 77‱ up	6.2% 71‱ up	— withheld	5.3% 94‱ up	5.1% 81‱ up	5.3% 67‱ up	5.6% 73‱ up	5.9% 75‱ up
Members / Full-Time Equivalent Employees Ratio of sums	402.4% 449‱ up	235.5% —	409.7% (748‱) down	378.4% (271‱) down	335.1% (400‱) down	341.1% (573‱) down	395.2% 547‱ up	509.7% 2,053‱ up	— withheld	227.1% (16,790‱) down	409.7% (748‱) down	378.4% (271‱) down	335.1% (400‱) down	417.1% 802‱ up
Members / Potential Members Ratio of sums	2.9% (4‱) down	5.7% —	2.8% (13‱) down	2.2% 65‱ up	2.0% (21‱) down	2.1% (23‱) down	3.3% (14‱) down	3.4% 17‱ up	— withheld	5.3% (56‱) down	2.8% (13‱) down	2.2% 65‱ up	2.0% (21‱) down	3.1% (6‱) down
Net Margin / Average Assets Ratio of sums	4.0% (4‱) down	4.5% —	4.3% 40‱ up	4.3% 21‱ up	4.3% 9‱ up	4.2% 3‱ up	3.8% (7‱) down	4.2% (7‱) down	— withheld	4.5% 57‱ up	4.3% 40‱ up	4.3% 21‱ up	4.3% 9‱ up	4.0% (6‱) down
Net Operating Expense / Average Assets Ratio of sums	2.5% 5‱ up	3.7% —	3.0% 24‱ up	3.0% 23‱ up	2.9% 18‱ up	2.9% 10‱ up	2.5% 3‱ up	2.3% 0‱ flat	— withheld	3.6% 37‱ up	3.0% 24‱ up	3.0% 23‱ up	2.9% 18‱ up	2.5% 3‱ up
Other Non-Performing Assets / Total Assets Ratio of sums	0.0% 1‱ flat	0.0% —	0.0% 1‱ flat	0.0% 0‱ flat	0.0% 1‱ flat	0.0% 0‱ flat	0.0% 1‱ flat	0.0% 1‱ flat	— withheld	0.0% (1‱) 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	27.8% (445‱) down	76.8% —	56.7% (402‱) down	49.2% (311‱) down	38.2% (457‱) down	31.4% (423‱) down	26.4% (407‱) down	21.6% (462‱) down	— withheld	75.9% (340‱) down	56.7% (402‱) down	49.2% (311‱) down	38.2% (457‱) down	25.5% (429‱) down
Salary And Benefits / Full-Time Equivalent Employee Ratio of sums	102219.8% 491,856‱ up	29336.8% —	70520.0% 344,197‱ up	76579.3% 429,342‱ up	84498.1% 428,429‱ up	95129.8% 413,112‱ up	106388.6% 429,134‱ up	118449.2% 806,343‱ up	— withheld	29999.1% (1,882,694‱) down	70520.0% 344,197‱ up	76579.3% 429,342‱ up	84498.1% 428,429‱ up	107955.1% 532,783‱ up
Yield on Average Investments Ratio of sums	3.5% 82‱ up	3.0% —	2.9% 85‱ up	2.7% 66‱ up	3.0% 67‱ up	3.2% 65‱ up	3.6% 90‱ up	3.8% 77‱ up	— withheld	3.0% 104‱ up	2.9% 85‱ up	2.7% 66‱ up	3.0% 67‱ up	3.6% 84‱ up

↑ ↓ against Q1 2023 · → within ±2‱, a sum within ±0.1% ‱ basis point: one hundredth of a percentage point — withheld: the group is below quorum— beneath a figure: no published figure in Q1 2023 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, Q1 2023 and Q1 2024 · callseries release v2026.2.27, cut Oct 29, 2026 · peer groups peer-groups.yaml@74abeac

The files for Q1 2024

Accounts curated/accounts/quarter=2024Q1/data.parquet callbase
Account text curated/accounts_text/quarter=2024Q1/data.parquet callbase
Profiles curated/profiles/quarter=2024Q1/data.parquet callbase
Quorum, filer by filer index/quorum/quarter=2024Q1/data.parquet callbase
Peer aggregates releases/v2026.2.27/peer-quarter.parquet callseries

-- One ratio across every group, Q1 2024, 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 = '2024Q1'
  AND measure = 'delinquent_loans_to_total_loans'
ORDER BY peer_group;

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