Quarter · cycle date September 30, 2024

Q3 2024

✓ Quorum reached

Coverage

Filed, of expected

Filings held

Due

Rates at September 30, 2024 4.8% fed funds · 2-year 3.7% · 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 2023 appears below each value.

The change compares Q3 2024’s members with Q3 2023’s, because credit unions are grouped by their assets in each quarter.

Q3 2024: each measure's statistic by peer group, with its change on Q3 2023
Measure	All FICUs 4,499 of 4,532	<$10M 886 of 900	$10M–$50M 1,227 of 1,237	$50M–$100M 619 of 623	$100M–$500M 1,047 of 1,051	$500M–$1B 276 of 276	$1B–$10B 423 of 424	>$10B 21 of 21	NCUA Peer 1: <$2M Withheld · 275 of 280	NCUA Peer 2: $2M–$10M 611 of 620	NCUA Peer 3: $10M–$50M 1,227 of 1,237	NCUA Peer 4: $50M–$100M 619 of 623	NCUA Peer 5: $100M–$500M 1,047 of 1,051	NCUA Peer 6: >$500M 720 of 721
Asset quality
Delinquent Loans / Total Loans Ratio of sums	0.91% 19‱ up	1.60% —	1.08% 14‱ up	0.90% 12‱ up	0.79% 16‱ up	0.83% 17‱ up	0.73% 15‱ up	1.34% 31‱ up	— withheld	1.48% —	1.08% 14‱ up	0.90% 12‱ up	0.79% 16‱ up	0.92% 19‱ up
Net Charge-Offs / Average Loans Ratio of sums	0.78% 23‱ up	0.55% —	0.42% 6‱ up	0.45% 8‱ up	0.47% 12‱ up	0.59% 20‱ up	0.61% 20‱ up	1.35% 35‱ up	— withheld	0.52% —	0.42% 6‱ up	0.45% 8‱ up	0.47% 12‱ up	0.83% 24‱ up
Provision for Loan/Lease Losses or Credit Loss Expense / Average Assets Ratio of sums	0.58% 13‱ up	0.32% —	0.26% 9‱ up	0.28% 8‱ up	0.33% 9‱ up	0.44% 15‱ up	0.48% 14‱ up	0.99% 11‱ up	— withheld	0.30% —	0.26% 9‱ up	0.28% 8‱ up	0.33% 9‱ up	0.62% 13‱ up
Capital
Net Worth / Total Assets for Prompt Corrective Action Ratio of sums	11.2% 15‱ up	18.5% —	13.8% 87‱ up	13.1% 64‱ up	11.6% 34‱ up	11.1% 18‱ up	11.1% 13‱ up	10.8% 6‱ up	— withheld	18.3% —	13.8% 87‱ up	13.1% 64‱ up	11.6% 34‱ up	11.0% 11‱ up
Net Worth / Total Assets excluding CECL Transition Provision Ratio of sums	10.9% 22‱ up	18.5% —	13.7% 90‱ up	13.0% 67‱ up	11.5% 37‱ up	10.9% 20‱ up	10.9% 17‱ up	10.4% 21‱ up	— withheld	18.3% —	13.7% 90‱ up	13.0% 67‱ up	11.5% 37‱ up	10.8% 19‱ up
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL Ratio of sums	11.9% 17‱ up	19.1% —	14.2% 90‱ up	13.5% 66‱ up	12.1% 37‱ up	11.7% 20‱ up	11.7% 14‱ up	12.1% 5‱ up	— withheld	18.9% —	14.2% 90‱ up	13.5% 66‱ up	12.1% 37‱ up	11.8% 12‱ up
GAAP Equity / Total Assets Ratio of sums	9.8% 106‱ up	18.3% —	13.4% 112‱ up	12.4% 110‱ up	10.5% 116‱ up	9.6% 111‱ up	9.7% 107‱ up	9.1% 103‱ up	— withheld	18.1% —	13.4% 112‱ up	12.4% 110‱ up	10.5% 116‱ up	9.5% 106‱ up
Liquidity and balance sheet
Cash + Short-Term Investments / Assets Ratio of sums	12.6% 161‱ up	32.8% —	25.2% 274‱ up	21.1% 278‱ up	15.2% 255‱ up	12.4% 186‱ up	12.5% 191‱ up	10.2% 52‱ up	— withheld	32.1% —	25.2% 274‱ up	21.1% 278‱ up	15.2% 255‱ up	11.8% 151‱ up
Total Loans / Total Shares Ratio of sums	84.3% (49‱) down	64.5% —	61.5% 95‱ up	65.2% 41‱ up	74.9% (51‱) down	82.2% (81‱) down	86.5% (81‱) down	87.4% (55‱) down	— withheld	64.7% —	61.5% 95‱ up	65.2% 41‱ up	74.9% (51‱) down	86.3% (69‱) down
Total Loans / Total Assets Ratio of sums	70.5% (78‱) down	52.2% —	52.8% 30‱ up	56.3% (14‱) down	64.8% (94‱) down	70.0% (100‱) down	72.0% (88‱) down	72.3% (96‱) down	— withheld	52.5% —	52.8% 30‱ up	56.3% (14‱) down	64.8% (94‱) down	71.9% (90‱) down
Borrowings / Total Shares & Net Worth Ratio of sums	5.6% (54‱) down	0.3% —	0.2% (20‱) down	0.5% (22‱) down	2.0% (39‱) down	4.2% (64‱) down	6.1% (76‱) down	7.1% (38‱) down	— withheld	0.3% —	0.2% (20‱) down	0.5% (22‱) down	2.0% (39‱) down	6.2% (62‱) down
Earnings, annualized
Return on Average Assets (ROAA) Ratio of sums	0.70% (6‱) down	0.55% —	0.72% 2‱ flat	0.68% (11‱) down	0.66% (8‱) down	0.51% (15‱) down	0.70% (7‱) down	0.76% (1‱) flat	— withheld	0.58% —	0.72% 2‱ flat	0.68% (11‱) down	0.66% (8‱) down	0.70% (6‱) down
Net Interest Margin / Average Assets Ratio of sums	3.1% 6‱ up	4.1% —	3.6% 38‱ up	3.5% 26‱ up	3.3% 16‱ up	3.1% 5‱ up	2.9% 5‱ up	3.4% 4‱ up	— withheld	4.1% —	3.6% 38‱ up	3.5% 26‱ up	3.3% 16‱ up	3.0% 4‱ up
Yield on Average Loans Ratio of sums	5.8% 66‱ up	6.6% —	6.0% 58‱ up	5.9% 64‱ up	5.8% 70‱ up	5.6% 63‱ up	5.6% 68‱ up	6.3% 63‱ up	— withheld	6.5% —	6.0% 58‱ up	5.9% 64‱ up	5.8% 70‱ up	5.8% 66‱ up
Cost of Funds / Average Assets Ratio of sums	1.91% 60‱ up	0.80% —	0.89% 36‱ up	1.00% 42‱ up	1.37% 52‱ up	1.62% 55‱ up	2.03% 63‱ up	2.13% 58‱ up	— withheld	0.82% —	0.89% 36‱ up	1.00% 42‱ up	1.37% 52‱ up	2.02% 61‱ up
Fee & Other Operating Income / Average Assets Ratio of sums	1.05% (1‱) flat	0.51% —	0.82% (1‱) flat	1.01% (5‱) down	1.16% (3‱) down	1.18% (2‱) flat	1.07% (1‱) flat	0.94% 0‱ flat	— withheld	0.53% —	0.82% (1‱) flat	1.01% (5‱) down	1.16% (3‱) down	1.04% (1‱) flat
Non-Interest Expense / Average Assets Ratio of sums	3.0% 7‱ up	4.0% —	3.5% 22‱ up	3.6% 19‱ up	3.6% 14‱ up	3.5% 9‱ up	2.9% 6‱ up	2.7% 4‱ up	— withheld	3.9% —	3.5% 22‱ up	3.6% 19‱ up	3.6% 14‱ up	2.9% 6‱ up
Non-Interest Expense / Gross Income Ratio of sums	49.6% (466‱) down	72.9% —	66.0% (564‱) down	65.4% (450‱) down	60.9% (497‱) down	58.5% (483‱) down	48.8% (478‱) down	42.2% (365‱) down	— withheld	72.3% —	66.0% (564‱) down	65.4% (450‱) down	60.9% (497‱) down	47.7% (449‱) down
Growth, annualized year to date
Asset Growth (Annualized) Ratio of sums	3.8% (50‱) down	(2.9%) —	(0.1%) 253‱ up	1.5% 239‱ up	3.0% 165‱ up	2.5% (38‱) down	4.3% (17‱) down	4.0% (278‱) down	— withheld	(2.7%) —	(0.1%) 253‱ up	1.5% 239‱ up	3.0% 165‱ up	4.0% (94‱) down
Loan Growth (Annualized) Ratio of sums	2.7% (509‱) down	(2.8%) —	(0.5%) (894‱) down	0.4% (781‱) down	1.3% (511‱) down	1.3% (458‱) down	2.9% (435‱) down	3.7% (651‱) down	— withheld	(2.6%) —	(0.5%) (894‱) down	0.4% (781‱) down	1.3% (511‱) down	3.0% (499‱) down
Share Growth (Annualized) Ratio of sums	4.3% 193‱ up	(3.8%) —	(0.8%) 320‱ up	1.0% 324‱ up	2.9% 305‱ up	2.9% 188‱ up	4.7% 235‱ up	5.0% 19‱ up	— withheld	(3.7%) —	(0.8%) 320‱ up	1.0% 324‱ up	2.9% 305‱ up	4.6% 169‱ up
Net Worth Growth (Annualized) Ratio of sums	6.6% (125‱) down	2.7% —	5.8% (30‱) down	5.7% (182‱) down	6.2% (134‱) down	4.7% (199‱) down	6.8% (140‱) down	7.3% (70‱) down	— withheld	3.0% —	5.8% (30‱) down	5.7% (182‱) down	6.2% (134‱) down	6.7% (125‱) down
Membership Growth (Annualized) Ratio of sums	3.05% (101‱) down	(1.66%) —	(1.38%) (106‱) down	(0.87%) (169‱) down	0.51% (102‱) down	0.44% (171‱) down	3.42% (106‱) down	5.38% (86‱) down	— withheld	(1.30%) —	(1.38%) (106‱) down	(0.87%) (169‱) down	0.51% (102‱) down	3.70% (104‱) down
Totals, summed
Total Assets Sum	$2.31T 3.7% up	$3.68B —	$32.09B (5.7%) down	$44.74B (4.3%) down	$240.92B (0.4%) down	$199.36B (4.5%) down	$1.21T 7.1% up	$578.59B 3.0% up	— withheld	$3.43B —	$32.09B (5.7%) down	$44.74B (4.3%) down	$240.92B (0.4%) down	$1.99T 4.6% up
Total Loans Sum	$1.63T 2.6% up	$1.92B —	$16.93B (5.2%) down	$25.17B (4.5%) down	$156.13B (1.8%) down	$139.58B (5.8%) down	$872.18B 5.8% up	$418.49B 1.6% up	— withheld	$1.80B —	$16.93B (5.2%) down	$25.17B (4.5%) down	$156.13B (1.8%) down	$1.43T 3.3% up
Total Shares and Deposits Sum	$1.93T 3.2% up	$2.98B —	$27.52B (6.7%) down	$38.63B (5.1%) down	$208.49B (1.2%) down	$169.78B (4.9%) down	$1.01T 6.8% up	$478.55B 2.2% up	— withheld	$2.79B —	$27.52B (6.7%) down	$38.63B (5.1%) down	$208.49B (1.2%) down	$1.66T 4.1% up
Net Worth Sum	$257.66B 4.9% up	$681.8M —	$4.41B 0.7% up	$5.86B 0.7% up	$28.02B 2.6% up	$22.12B (3.1%) down	$134.30B 8.2% up	$62.27B 3.1% up	— withheld	$629.2M —	$4.41B 0.7% up	$5.86B 0.7% up	$28.02B 2.6% up	$218.69B 5.4% up
Other
Average Loan Balance Ratio of sums	18296.9% 46,967‱ up	9195.4% —	4062.6% 6,522‱ up	7051.3% 29,470‱ up	11385.3% 32,523‱ up	18573.3% 18,398‱ up	22443.8% 45,261‱ up	19858.8% (8,596‱) down	— withheld	9419.2% —	4062.6% 6,522‱ up	7051.3% 29,470‱ up	11385.3% 32,523‱ up	21204.9% 29,069‱ up
Average Shares Per Member Ratio of sums	13635.1% 12,193‱ up	4942.1% —	8988.0% (7,840‱) down	10614.6% 19,207‱ up	12370.0% 19,320‱ up	13424.6% 35,131‱ up	14766.1% 11,743‱ up	13014.5% (15,750‱) down	— withheld	5298.6% —	8988.0% (7,840‱) down	10614.6% 19,207‱ up	12370.0% 19,320‱ up	14074.9% 7,713‱ up
Borrowers / Members Ratio of sums	62.8% (145‱) down	34.7% —	136.1% (126‱) down	98.1% (179‱) down	81.4% (165‱) down	59.4% 40‱ up	56.9% (125‱) down	57.3% (81‱) down	— withheld	36.4% —	136.1% (126‱) down	98.1% (179‱) down	81.4% (165‱) down	57.3% (94‱) down
Delinquent Loans / Assets Ratio of sums	0.6% 13‱ up	0.8% —	0.6% 8‱ up	0.5% 7‱ up	0.5% 10‱ up	0.6% 11‱ up	0.5% 10‱ up	1.0% 21‱ up	— withheld	0.8% —	0.6% 8‱ up	0.5% 7‱ up	0.5% 10‱ up	0.7% 13‱ up
Delinquent Loans / Net Worth Ratio of sums	5.8% 109‱ up	4.5% —	4.1% 32‱ up	3.8% 35‱ up	4.4% 73‱ up	5.2% 94‱ up	4.8% 88‱ up	9.0% 197‱ up	— withheld	4.3% —	4.1% 32‱ up	3.8% 35‱ up	4.4% 73‱ up	6.0% 117‱ up
Fixed Assets & Foreclosed Assets / Total Assets Ratio of sums	1.8% 1‱ flat	0.7% —	1.7% 10‱ up	2.2% 12‱ up	2.4% 5‱ up	2.4% 7‱ up	1.8% 3‱ up	1.5% (6‱) down	— withheld	0.7% —	1.7% 10‱ up	2.2% 12‱ up	2.4% 5‱ up	1.8% 0‱ flat
Gross Income / Average Assets Ratio of sums	6.1% 64‱ up	5.4% —	5.4% 73‱ up	5.5% 63‱ up	5.9% 65‱ up	5.9% 58‱ up	6.0% 67‱ up	6.4% 61‱ up	— withheld	5.4% —	5.4% 73‱ up	5.5% 63‱ up	5.9% 65‱ up	6.1% 64‱ up
Members / Full-Time Equivalent Employees Ratio of sums	403.0% 265‱ up	331.1% —	404.9% (887‱) down	373.5% (801‱) down	333.0% (662‱) down	340.9% (258‱) down	391.7% (225‱) down	519.1% 2,621‱ up	— withheld	330.1% —	404.9% (887‱) down	373.5% (801‱) down	333.0% (662‱) down	417.0% 443‱ up
Members / Potential Members Ratio of sums	2.9% (11‱) down	2.6% —	2.8% (12‱) down	2.3% 1‱ flat	2.0% (13‱) down	2.0% (19‱) down	3.3% (16‱) down	3.4% 0‱ flat	— withheld	5.5% —	2.8% (12‱) down	2.3% 1‱ flat	2.0% (13‱) down	3.1% (10‱) down
Net Margin / Average Assets Ratio of sums	4.1% 5‱ up	4.6% —	4.5% 37‱ up	4.5% 21‱ up	4.5% 13‱ up	4.3% 3‱ up	3.9% 4‱ up	4.3% 3‱ up	— withheld	4.6% —	4.5% 37‱ up	4.5% 21‱ up	4.5% 13‱ up	4.1% 3‱ up
Net Operating Expense / Average Assets Ratio of sums	2.6% 7‱ up	3.6% —	3.0% 22‱ up	3.0% 21‱ up	3.0% 15‱ up	2.9% 9‱ up	2.5% 7‱ up	2.4% 5‱ up	— withheld	3.5% —	3.0% 22‱ up	3.0% 21‱ up	3.0% 15‱ up	2.5% 6‱ up
Other Non-Performing Assets / Total Assets Ratio of sums	0.0% 1‱ flat	0.0% —	0.0% 0‱ flat	0.0% 1‱ flat	0.0% 0‱ flat	0.0% 0‱ flat	0.0% 1‱ flat	0.0% 1‱ flat	— withheld	0.0% —	0.0% 0‱ flat	0.0% 1‱ flat	0.0% 0‱ flat	0.0% 1‱ flat
Regular Shares / Total Shares & Borrowings Ratio of sums	26.9% (242‱) down	76.2% —	56.0% (258‱) down	48.0% (270‱) down	37.1% (277‱) down	30.5% (227‱) down	25.5% (242‱) down	21.0% (164‱) down	— withheld	75.2% —	56.0% (258‱) down	48.0% (270‱) down	37.1% (277‱) down	24.7% (220‱) down
Salary And Benefits / Full-Time Equivalent Employee Ratio of sums	101787.4% 514,552‱ up	41281.9% —	70326.1% 319,473‱ up	76613.1% 416,237‱ up	83839.6% 340,293‱ up	94646.9% 465,961‱ up	104694.9% 371,342‱ up	119567.2% 930,243‱ up	— withheld	43453.4% —	70326.1% 319,473‱ up	76613.1% 416,237‱ up	83839.6% 340,293‱ up	107106.2% 528,140‱ up
Yield on Average Investments Ratio of sums	3.7% 74‱ up	3.2% —	3.1% 84‱ up	3.0% 70‱ up	3.3% 73‱ up	3.5% 67‱ up	3.9% 80‱ up	4.0% 58‱ up	— withheld	3.2% —	3.1% 84‱ up	3.0% 70‱ up	3.3% 73‱ up	3.9% 72‱ up

↑ ↓ against Q3 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 Q3 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, Q3 2023 and Q3 2024 · callseries release v2026.2.27, cut Oct 29, 2026 · peer groups peer-groups.yaml@74abeac

The files for Q3 2024

Accounts curated/accounts/quarter=2024Q3/data.parquet callbase
Account text curated/accounts_text/quarter=2024Q3/data.parquet callbase
Profiles curated/profiles/quarter=2024Q3/data.parquet callbase
Quorum, filer by filer index/quorum/quarter=2024Q3/data.parquet callbase
Peer aggregates releases/v2026.2.27/peer-quarter.parquet callseries

-- One ratio across every group, Q3 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 = '2024Q3'
  AND measure = 'delinquent_loans_to_total_loans'
ORDER BY peer_group;

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