Quarter · cycle date December 31, 2024

Q4 2024

✓ Quorum reached

Coverage

Filed, of expected

Filings held

Due

Rates at December 31, 2024 4.3% fed funds · 2-year 4.3% · 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 Q4 2023 appears below each value.

The change compares Q4 2024’s members with Q4 2023’s, because credit unions are grouped by their assets in each quarter.

Q4 2024: each measure's statistic by peer group, with its change on Q4 2023
Measure	All FICUs 4,455 of 4,500	<$10M Withheld · 865 of 888	$10M–$50M 1,209 of 1,222	$50M–$100M 607 of 612	$100M–$500M 1,046 of 1,049	$500M–$1B 284 of 284	$1B–$10B 424 of 425	>$10B 20 of 20	NCUA Peer 1: <$2M Withheld · 262 of 274	NCUA Peer 2: $2M–$10M Withheld · 603 of 614	NCUA Peer 3: $10M–$50M 1,209 of 1,222	NCUA Peer 4: $50M–$100M 607 of 612	NCUA Peer 5: $100M–$500M 1,046 of 1,049	NCUA Peer 6: >$500M 728 of 729
Asset quality
Delinquent Loans / Total Loans Ratio of sums	0.98% 15‱ up	— withheld	1.16% 13‱ up	0.94% 10‱ up	0.85% 14‱ up	0.87% 11‱ up	0.80% 11‱ up	1.42% 24‱ up	— withheld	— withheld	1.16% 13‱ up	0.94% 10‱ up	0.85% 14‱ up	0.99% 15‱ up
Net Charge-Offs / Average Loans Ratio of sums	0.80% 19‱ up	— withheld	0.46% 7‱ up	0.45% 6‱ up	0.50% 12‱ up	0.61% 16‱ up	0.62% 16‱ up	1.42% 29‱ up	— withheld	— withheld	0.46% 7‱ up	0.45% 6‱ up	0.50% 12‱ up	0.85% 20‱ up
Provision for Loan/Lease Losses or Credit Loss Expense / Average Assets Ratio of sums	0.63% 12‱ up	— withheld	0.27% 7‱ up	0.27% 5‱ up	0.35% 8‱ up	0.48% 14‱ up	0.51% 13‱ up	1.10% 9‱ up	— withheld	— withheld	0.27% 7‱ up	0.27% 5‱ up	0.35% 8‱ up	0.68% 12‱ up
Capital
Net Worth / Total Assets for Prompt Corrective Action Ratio of sums	11.2% 25‱ up	— withheld	13.9% 76‱ up	13.2% 57‱ up	11.7% 34‱ up	11.1% 20‱ up	11.2% 29‱ up	10.7% 11‱ up	— withheld	— withheld	13.9% 76‱ up	13.2% 57‱ up	11.7% 34‱ up	11.0% 24‱ up
Net Worth / Total Assets excluding CECL Transition Provision Ratio of sums	11.1% 38‱ up	— withheld	13.9% 87‱ up	13.1% 62‱ up	11.7% 39‱ up	10.9% 27‱ up	11.1% 39‱ up	10.4% 35‱ up	— withheld	— withheld	13.9% 87‱ up	13.1% 62‱ up	11.7% 39‱ up	10.9% 37‱ up
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL Ratio of sums	12.0% 30‱ up	— withheld	14.3% 85‱ up	13.6% 57‱ up	12.2% 36‱ up	11.7% 24‱ up	11.9% 34‱ up	12.1% 18‱ up	— withheld	— withheld	14.3% 85‱ up	13.6% 57‱ up	12.2% 36‱ up	11.9% 28‱ up
GAAP Equity / Total Assets Ratio of sums	9.7% 55‱ up	— withheld	13.6% 98‱ up	12.5% 77‱ up	10.5% 62‱ up	9.4% 50‱ up	9.7% 59‱ up	8.9% 45‱ up	— withheld	— withheld	13.6% 98‱ up	12.5% 77‱ up	10.5% 62‱ up	9.4% 54‱ up
Liquidity and balance sheet
Cash + Short-Term Investments / Assets Ratio of sums	12.2% 71‱ up	— withheld	26.1% 339‱ up	21.8% 303‱ up	15.8% 277‱ up	12.5% 135‱ up	11.9% 85‱ up	9.4% (92‱) down	— withheld	— withheld	26.1% 339‱ up	21.8% 303‱ up	15.8% 277‱ up	11.3% 41‱ up
Total Loans / Total Shares Ratio of sums	84.0% (124‱) down	— withheld	60.8% (97‱) down	64.6% (126‱) down	74.1% (189‱) down	81.5% (184‱) down	86.0% (165‱) down	87.8% (50‱) down	— withheld	— withheld	60.8% (97‱) down	64.6% (126‱) down	74.1% (189‱) down	86.0% (133‱) down
Total Loans / Total Assets Ratio of sums	71.3% 24‱ up	— withheld	52.1% (127‱) down	55.8% (134‱) down	64.4% (138‱) down	70.0% (68‱) down	72.5% (11‱) down	74.4% 194‱ up	— withheld	— withheld	52.1% (127‱) down	55.8% (134‱) down	64.4% (138‱) down	72.8% 42‱ up
Borrowings / Total Shares & Net Worth Ratio of sums	4.3% (206‱) down	— withheld	0.2% (18‱) down	0.4% (28‱) down	1.7% (82‱) down	3.6% (155‱) down	5.0% (206‱) down	5.0% (325‱) down	— withheld	— withheld	0.2% (18‱) down	0.4% (28‱) down	1.7% (82‱) down	4.8% (234‱) down
Earnings, annualized
Return on Average Assets (ROAA) Ratio of sums	0.63% (5‱) down	— withheld	0.69% 6‱ up	0.68% (6‱) down	0.63% (5‱) down	0.47% (13‱) down	0.63% (6‱) down	0.67% (1‱) flat	— withheld	— withheld	0.69% 6‱ up	0.68% (6‱) down	0.63% (5‱) down	0.63% (5‱) down
Net Interest Margin / Average Assets Ratio of sums	3.1% 11‱ up	— withheld	3.7% 35‱ up	3.5% 27‱ up	3.4% 18‱ up	3.2% 10‱ up	2.9% 8‱ up	3.5% 14‱ up	— withheld	— withheld	3.7% 35‱ up	3.5% 27‱ up	3.4% 18‱ up	3.1% 9‱ up
Yield on Average Loans Ratio of sums	5.8% 59‱ up	— withheld	6.1% 55‱ up	5.9% 60‱ up	5.8% 65‱ up	5.7% 59‱ up	5.6% 60‱ up	6.4% 56‱ up	— withheld	— withheld	6.1% 55‱ up	5.9% 60‱ up	5.8% 65‱ up	5.8% 59‱ up
Cost of Funds / Average Assets Ratio of sums	1.93% 51‱ up	— withheld	0.91% 33‱ up	1.01% 36‱ up	1.39% 45‱ up	1.64% 47‱ up	2.05% 53‱ up	2.16% 50‱ up	— withheld	— withheld	0.91% 33‱ up	1.01% 36‱ up	1.39% 45‱ up	2.04% 52‱ up
Fee & Other Operating Income / Average Assets Ratio of sums	1.05% (1‱) flat	— withheld	0.83% (1‱) flat	1.01% (5‱) down	1.16% (2‱) flat	1.20% (1‱) flat	1.07% (1‱) flat	0.95% (1‱) flat	— withheld	— withheld	0.83% (1‱) flat	1.01% (5‱) down	1.16% (2‱) flat	1.05% (1‱) flat
Non-Interest Expense / Average Assets Ratio of sums	3.0% 9‱ up	— withheld	3.6% 19‱ up	3.6% 17‱ up	3.6% 14‱ up	3.5% 10‱ up	2.9% 6‱ up	2.8% 11‱ up	— withheld	— withheld	3.6% 19‱ up	3.6% 17‱ up	3.6% 14‱ up	2.9% 8‱ up
Non-Interest Expense / Gross Income Ratio of sums	49.7% (385‱) down	— withheld	66.4% (538‱) down	65.4% (421‱) down	60.9% (446‱) down	58.5% (414‱) down	48.8% (412‱) down	42.5% (251‱) down	— withheld	— withheld	66.4% (538‱) down	65.4% (421‱) down	60.9% (446‱) down	47.9% (363‱) down
Growth, annualized year to date
Asset Growth (Annualized) Ratio of sums	2.8% (168‱) down	— withheld	0.2% 309‱ up	1.6% 255‱ up	2.8% 137‱ up	2.2% (99‱) down	3.1% (153‱) down	2.6% (437‱) down	— withheld	— withheld	0.2% 309‱ up	1.6% 255‱ up	2.8% 137‱ up	2.9% (228‱) down
Loan Growth (Annualized) Ratio of sums	3.1% (364‱) down	— withheld	(1.2%) (834‱) down	(0.1%) (704‱) down	1.2% (434‱) down	1.4% (370‱) down	3.3% (296‱) down	4.4% (443‱) down	— withheld	— withheld	(1.2%) (834‱) down	(0.1%) (704‱) down	1.2% (434‱) down	3.4% (345‱) down
Share Growth (Annualized) Ratio of sums	4.7% 257‱ up	— withheld	(0.5%) 378‱ up	1.3% 368‱ up	3.3% 357‱ up	3.4% 225‱ up	5.2% 278‱ up	5.3% 145‱ up	— withheld	— withheld	(0.5%) 378‱ up	1.3% 368‱ up	3.3% 357‱ up	5.0% 235‱ up
Net Worth Growth (Annualized) Ratio of sums	5.3% (93‱) down	— withheld	5.5% 28‱ up	5.4% (158‱) down	5.7% (84‱) down	4.0% (172‱) down	5.7% (97‱) down	4.6% (69‱) down	— withheld	— withheld	5.5% 28‱ up	5.4% (158‱) down	5.7% (84‱) down	5.2% (95‱) down
Membership Growth (Annualized) Ratio of sums	2.76% (69‱) down	— withheld	(1.54%) (106‱) down	(0.90%) (111‱) down	0.27% (70‱) down	0.29% (140‱) down	3.04% (71‱) down	5.13% (55‱) down	— withheld	— withheld	(1.54%) (106‱) down	(0.90%) (111‱) down	0.27% (70‱) down	3.37% (72‱) down
Totals, summed
Total Assets Sum	$2.31T 2.3% up	— withheld	$31.61B (5.8%) down	$43.74B (4.2%) down	$238.55B (1.2%) down	$203.34B (0.7%) down	$1.22T 5.1% up	$562.82B 0.2% up	— withheld	— withheld	$31.61B (5.8%) down	$43.74B (4.2%) down	$238.55B (1.2%) down	$1.99T 3.1% up
Total Loans Sum	$1.65T 2.6% up	— withheld	$16.46B (8.0%) down	$24.40B (6.4%) down	$153.74B (3.3%) down	$142.42B (1.7%) down	$887.44B 4.9% up	$418.86B 2.8% up	— withheld	— withheld	$16.46B (8.0%) down	$24.40B (6.4%) down	$153.74B (3.3%) down	$1.45T 3.6% up
Total Shares and Deposits Sum	$1.96T 4.2% up	— withheld	$27.06B (6.5%) down	$37.79B (4.6%) down	$207.40B (0.9%) down	$174.82B 0.5% up	$1.03T 7.0% up	$477.08B 3.4% up	— withheld	— withheld	$27.06B (6.5%) down	$37.79B (4.6%) down	$207.40B (0.9%) down	$1.68T 5.2% up
Net Worth Sum	$258.09B 4.8% up	— withheld	$4.40B 0.3% up	$5.77B 0.2% up	$27.93B 1.7% up	$22.44B 1.1% up	$136.91B 8.0% up	$59.97B 1.6% up	— withheld	— withheld	$4.40B 0.3% up	$5.77B 0.2% up	$27.93B 1.7% up	$219.32B 5.5% up
Other
Average Loan Balance Ratio of sums	18412.9% 49,161‱ up	— withheld	4221.4% 18,126‱ up	6702.0% (20,243‱) down	11393.7% 25,001‱ up	18296.1% (7,996‱) down	22617.6% 46,940‱ up	19863.0% 15,863‱ up	— withheld	— withheld	4221.4% 18,126‱ up	6702.0% (20,243‱) down	11393.7% 25,001‱ up	21270.8% 32,520‱ up
Average Shares Per Member Ratio of sums	13765.7% 25,717‱ up	— withheld	9070.7% 6,322‱ up	10639.9% 24,995‱ up	12526.6% 35,567‱ up	13504.8% 41,607‱ up	14960.2% 28,744‱ up	13000.0% (4,966‱) down	— withheld	— withheld	9070.7% 6,322‱ up	10639.9% 24,995‱ up	12526.6% 35,567‱ up	14195.0% 20,773‱ up
Borrowers / Members Ratio of sums	62.8% (145‱) down	— withheld	130.7% (708‱) down	102.5% 345‱ up	81.5% (153‱) down	60.1% 79‱ up	56.9% (118‱) down	57.5% (102‱) down	— withheld	— withheld	130.7% (708‱) down	102.5% 345‱ up	81.5% (153‱) down	57.4% (93‱) down
Delinquent Loans / Assets Ratio of sums	0.7% 11‱ up	— withheld	0.6% 6‱ up	0.5% 4‱ up	0.5% 8‱ up	0.6% 7‱ up	0.6% 8‱ up	1.1% 20‱ up	— withheld	— withheld	0.6% 6‱ up	0.5% 4‱ up	0.5% 8‱ up	0.7% 11‱ up
Delinquent Loans / Net Worth Ratio of sums	6.2% 82‱ up	— withheld	4.4% 15‱ up	4.0% 16‱ up	4.7% 55‱ up	5.6% 54‱ up	5.2% 61‱ up	9.9% 178‱ up	— withheld	— withheld	4.4% 15‱ up	4.0% 16‱ up	4.7% 55‱ up	6.5% 88‱ up
Fixed Assets & Foreclosed Assets / Total Assets Ratio of sums	1.9% 3‱ up	— withheld	1.7% 11‱ up	2.2% 8‱ up	2.5% 6‱ up	2.4% 7‱ up	1.8% 1‱ flat	1.6% 6‱ up	— withheld	— withheld	1.7% 11‱ up	2.2% 8‱ up	2.5% 6‱ up	1.8% 3‱ up
Gross Income / Average Assets Ratio of sums	6.1% 60‱ up	— withheld	5.4% 66‱ up	5.5% 58‱ up	5.9% 62‱ up	6.0% 56‱ up	6.0% 60‱ up	6.6% 62‱ up	— withheld	— withheld	5.4% 66‱ up	5.5% 58‱ up	5.9% 62‱ up	6.2% 60‱ up
Members / Full-Time Equivalent Employees Ratio of sums	405.9% 597‱ up	— withheld	401.7% (669‱) down	373.7% (446‱) down	330.6% (549‱) down	339.5% (112‱) down	398.5% 545‱ up	520.2% 1,900‱ up	— withheld	— withheld	401.7% (669‱) down	373.7% (446‱) down	330.6% (549‱) down	421.0% 777‱ up
Members / Potential Members Ratio of sums	2.9% (8‱) down	— withheld	2.7% (18‱) down	2.2% 9‱ up	1.9% (12‱) down	2.0% (13‱) down	3.3% (15‱) down	3.4% 4‱ up	— withheld	— withheld	2.7% (18‱) down	2.2% 9‱ up	1.9% (12‱) down	3.1% (9‱) down
Net Margin / Average Assets Ratio of sums	4.2% 10‱ up	— withheld	4.5% 34‱ up	4.5% 22‱ up	4.5% 16‱ up	4.4% 9‱ up	4.0% 7‱ up	4.4% 12‱ up	— withheld	— withheld	4.5% 34‱ up	4.5% 22‱ up	4.5% 16‱ up	4.1% 8‱ up
Net Operating Expense / Average Assets Ratio of sums	2.6% 8‱ up	— withheld	3.1% 19‱ up	3.0% 19‱ up	3.0% 15‱ up	2.9% 10‱ up	2.5% 6‱ up	2.4% 10‱ up	— withheld	— withheld	3.1% 19‱ up	3.0% 19‱ up	3.0% 15‱ up	2.5% 8‱ up
Other Non-Performing Assets / Total Assets Ratio of sums	0.0% 1‱ flat	— withheld	0.0% 0‱ flat	0.0% 2‱ flat	0.0% 0‱ flat	0.0% 1‱ flat	0.0% 1‱ flat	0.0% 1‱ flat	— withheld	— withheld	0.0% 0‱ flat	0.0% 2‱ flat	0.0% 0‱ flat	0.0% 1‱ flat
Regular Shares / Total Shares & Borrowings Ratio of sums	27.0% (118‱) down	— withheld	55.7% (161‱) down	47.7% (194‱) down	36.9% (189‱) down	30.3% (113‱) down	25.5% (133‱) down	21.6% (7‱) down	— withheld	— withheld	55.7% (161‱) down	47.7% (194‱) down	36.9% (189‱) down	24.9% (93‱) down
Salary And Benefits / Full-Time Equivalent Employee Ratio of sums	103053.6% 605,077‱ up	— withheld	71416.5% 322,751‱ up	77761.0% 441,068‱ up	84229.4% 355,819‱ up	94780.8% 487,751‱ up	106830.7% 551,335‱ up	119924.8% 879,793‱ up	— withheld	— withheld	71416.5% 322,751‱ up	77761.0% 441,068‱ up	84229.4% 355,819‱ up	108478.1% 627,038‱ up
Yield on Average Investments Ratio of sums	3.8% 74‱ up	— withheld	3.2% 78‱ up	3.1% 68‱ up	3.3% 72‱ up	3.5% 63‱ up	3.9% 75‱ up	4.2% 78‱ up	— withheld	— withheld	3.2% 78‱ up	3.1% 68‱ up	3.3% 72‱ up	3.9% 74‱ up

↑ ↓ against Q4 2023 · → 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 2023 and Q4 2024 · callseries release v2026.2.27, cut Oct 29, 2026 · peer groups peer-groups.yaml@74abeac

The files for Q4 2024

Accounts curated/accounts/quarter=2024Q4/data.parquet callbase
Account text curated/accounts_text/quarter=2024Q4/data.parquet callbase
Profiles curated/profiles/quarter=2024Q4/data.parquet callbase
Quorum, filer by filer index/quorum/quarter=2024Q4/data.parquet callbase
Peer aggregates releases/v2026.2.27/peer-quarter.parquet callseries

-- One ratio across every group, Q4 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 = '2024Q4'
  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.