Quarter · cycle date March 31, 2025

Q1 2025

✓ Quorum reached

Coverage

Filed, of expected

Filings held

Due

Rates at March 31, 2025 4.3% fed funds · 2-year 3.9% · 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 2024 appears below each value.

The change compares Q1 2025’s members with Q1 2024’s, because credit unions are grouped by their assets in each quarter.

Q1 2025: each measure's statistic by peer group, with its change on Q1 2024
Measure	All FICUs 4,411 of 4,456	<$10M 839 of 856	$10M–$50M 1,196 of 1,207	$50M–$100M 591 of 600	$100M–$500M 1,045 of 1,051	$500M–$1B 286 of 288	$1B–$10B 434 of 434	>$10B 20 of 20	NCUA Peer 1: <$2M Withheld · 257 of 264	NCUA Peer 2: $2M–$10M 582 of 592	NCUA Peer 3: $10M–$50M 1,196 of 1,207	NCUA Peer 4: $50M–$100M 591 of 600	NCUA Peer 5: $100M–$500M 1,045 of 1,051	NCUA Peer 6: >$500M 740 of 742
Asset quality
Delinquent Loans / Total Loans Ratio of sums	0.80% 2‱ flat	1.62% 14‱ up	1.03% 7‱ up	0.80% 2‱ flat	0.71% 8‱ up	0.71% 5‱ up	0.66% 4‱ up	1.13% (5‱) down	— withheld	1.52% 16‱ up	1.03% 7‱ up	0.80% 2‱ flat	0.71% 8‱ up	0.80% 1‱ flat
Net Charge-Offs / Average Loans Ratio of sums	0.82% 2‱ flat	0.67% 22‱ up	0.46% 5‱ up	0.46% 1‱ flat	0.48% 0‱ flat	0.62% 4‱ up	0.65% 4‱ up	1.41% (3‱) down	— withheld	0.64% 21‱ up	0.46% 5‱ up	0.46% 1‱ flat	0.48% 0‱ flat	0.87% 2‱ flat
Provision for Loan/Lease Losses or Credit Loss Expense / Average Assets Ratio of sums	0.56% 1‱ flat	0.41% 11‱ up	0.23% (2‱) flat	0.28% 4‱ up	0.32% 2‱ flat	0.42% 1‱ flat	0.48% 2‱ flat	0.94% (2‱) flat	— withheld	0.40% 13‱ up	0.23% (2‱) flat	0.28% 4‱ up	0.32% 2‱ flat	0.60% 0‱ flat
Capital
Net Worth / Total Assets for Prompt Corrective Action Ratio of sums	11.1% 22‱ up	18.5% 69‱ up	13.9% 67‱ up	13.0% 43‱ up	11.6% 32‱ up	10.9% 9‱ up	11.1% 29‱ up	10.5% 6‱ up	— withheld	18.3% 71‱ up	13.9% 67‱ up	13.0% 43‱ up	11.6% 32‱ up	11.0% 21‱ up
Net Worth / Total Assets excluding CECL Transition Provision Ratio of sums	11.0% 34‱ up	18.5% 70‱ up	13.8% 72‱ up	13.0% 47‱ up	11.6% 36‱ up	10.8% 15‱ up	11.0% 40‱ up	10.3% 29‱ up	— withheld	18.3% 73‱ up	13.8% 72‱ up	13.0% 47‱ up	11.6% 36‱ up	10.8% 34‱ up
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL Ratio of sums	11.9% 26‱ up	19.1% 78‱ up	14.3% 69‱ up	13.4% 43‱ up	12.1% 33‱ up	11.5% 10‱ up	11.8% 35‱ up	11.8% 10‱ up	— withheld	18.9% 80‱ up	14.3% 69‱ up	13.4% 43‱ up	12.1% 33‱ up	11.8% 25‱ up
GAAP Equity / Total Assets Ratio of sums	9.7% 72‱ up	18.3% 75‱ up	13.6% 85‱ up	12.4% 76‱ up	10.6% 79‱ up	9.5% 62‱ up	9.8% 79‱ up	8.9% 60‱ up	— withheld	18.1% 78‱ up	13.6% 85‱ up	12.4% 76‱ up	10.6% 79‱ up	9.5% 73‱ up
Liquidity and balance sheet
Cash + Short-Term Investments / Assets Ratio of sums	13.4% (34‱) down	34.9% 273‱ up	28.0% 313‱ up	23.7% 248‱ up	17.7% 205‱ up	13.9% 63‱ up	13.1% (31‱) down	10.4% (199‱) down	— withheld	34.2% 266‱ up	28.0% 313‱ up	23.7% 248‱ up	17.7% 205‱ up	12.4% (69‱) down
Total Loans / Total Shares Ratio of sums	81.8% (92‱) down	62.4% (143‱) down	58.7% (174‱) down	62.4% (177‱) down	71.9% (189‱) down	79.1% (164‱) down	84.1% (107‱) down	85.0% (47‱) down	— withheld	62.7% (141‱) down	58.7% (174‱) down	62.4% (177‱) down	71.9% (189‱) down	83.8% (95‱) down
Total Loans / Total Assets Ratio of sums	69.9% 47‱ up	50.5% (161‱) down	50.3% (193‱) down	54.0% (180‱) down	62.7% (147‱) down	68.4% (59‱) down	71.3% 42‱ up	72.5% 174‱ up	— withheld	50.9% (157‱) down	50.3% (193‱) down	54.0% (180‱) down	62.7% (147‱) down	71.4% 70‱ up
Borrowings / Total Shares & Net Worth Ratio of sums	3.8% (222‱) down	0.2% (11‱) down	0.1% (9‱) down	0.3% (24‱) down	1.4% (92‱) down	3.0% (163‱) down	4.4% (237‱) down	4.5% (315‱) down	— withheld	0.2% (13‱) down	0.1% (9‱) down	0.3% (24‱) down	1.4% (92‱) down	4.3% (251‱) down
Earnings, annualized
Return on Average Assets (ROAA) Ratio of sums	0.67% 1‱ flat	0.32% (18‱) down	0.73% 12‱ up	0.65% 7‱ up	0.66% 8‱ up	0.51% 3‱ up	0.64% (4‱) down	0.78% 8‱ up	— withheld	0.31% (20‱) down	0.73% 12‱ up	0.65% 7‱ up	0.66% 8‱ up	0.67% 0‱ flat
Net Interest Margin / Average Assets Ratio of sums	3.2% 24‱ up	4.2% 22‱ up	3.7% 21‱ up	3.6% 22‱ up	3.4% 22‱ up	3.3% 25‱ up	3.0% 23‱ up	3.6% 28‱ up	— withheld	4.2% 25‱ up	3.7% 21‱ up	3.6% 22‱ up	3.4% 22‱ up	3.2% 24‱ up
Yield on Average Loans Ratio of sums	6.0% 32‱ up	7.0% 56‱ up	6.2% 36‱ up	6.1% 38‱ up	6.0% 38‱ up	5.8% 35‱ up	5.7% 32‱ up	6.5% 30‱ up	— withheld	6.9% 56‱ up	6.2% 36‱ up	6.1% 38‱ up	6.0% 38‱ up	6.0% 31‱ up
Cost of Funds / Average Assets Ratio of sums	1.83% (1‱) flat	0.86% 10‱ up	0.92% 9‱ up	1.04% 10‱ up	1.35% 6‱ up	1.56% 1‱ flat	1.92% (4‱) down	2.05% (3‱) down	— withheld	0.87% 9‱ up	0.92% 9‱ up	1.04% 10‱ up	1.35% 6‱ up	1.92% (3‱) down
Fee & Other Operating Income / Average Assets Ratio of sums	1.01% (1‱) flat	0.53% 0‱ flat	0.78% (1‱) flat	0.95% (5‱) down	1.11% (2‱) flat	1.15% (2‱) flat	1.03% (1‱) flat	0.89% 1‱ flat	— withheld	0.55% 0‱ flat	0.78% (1‱) flat	0.95% (5‱) down	1.11% (2‱) flat	1.00% (1‱) flat
Non-Interest Expense / Average Assets Ratio of sums	3.1% 11‱ up	4.4% 39‱ up	3.6% 14‱ up	3.6% 8‱ up	3.6% 9‱ up	3.6% 12‱ up	3.0% 9‱ up	2.8% 16‱ up	— withheld	4.3% 39‱ up	3.6% 14‱ up	3.6% 8‱ up	3.6% 9‱ up	3.0% 11‱ up
Non-Interest Expense / Gross Income Ratio of sums	50.3% (9‱) down	78.7% 260‱ up	67.2% (110‱) down	65.6% (180‱) down	61.4% (128‱) down	59.2% (47‱) down	49.5% (3‱) down	43.0% 74‱ up	— withheld	77.5% 243‱ up	67.2% (110‱) down	65.6% (180‱) down	61.4% (128‱) down	48.5% 20‱ up
Growth, annualized year to date
Asset Growth (Annualized) Ratio of sums	10.9% 113‱ up	5.4% 482‱ up	9.2% 458‱ up	10.6% 389‱ up	10.9% 241‱ up	10.1% 248‱ up	10.0% (34‱) down	13.4% 283‱ up	— withheld	5.4% 457‱ up	9.2% 458‱ up	10.6% 389‱ up	10.9% 241‱ up	11.0% 84‱ up
Loan Growth (Annualized) Ratio of sums	2.6% 245‱ up	(7.5%) (262‱) down	(4.6%) (209‱) down	(2.4%) (61‱) down	0.1% 142‱ up	2.5% 418‱ up	3.2% 272‱ up	2.7% 191‱ up	— withheld	(7.1%) (239‱) down	(4.6%) (209‱) down	(2.4%) (61‱) down	0.1% 142‱ up	3.0% 263‱ up
Share Growth (Annualized) Ratio of sums	13.1% 110‱ up	6.3% 543‱ up	9.8% 459‱ up	11.3% 365‱ up	12.0% 206‱ up	12.2% 209‱ up	12.2% 13‱ up	15.9% 189‱ up	— withheld	6.5% 540‱ up	9.8% 459‱ up	11.3% 365‱ up	12.0% 206‱ up	13.3% 82‱ up
Net Worth Growth (Annualized) Ratio of sums	6.5% 3‱ up	1.2% (146‱) down	5.7% 36‱ up	5.7% 91‱ up	6.0% 23‱ up	5.1% 103‱ up	6.6% (35‱) down	7.4% 29‱ up	— withheld	1.2% (160‱) down	5.7% 36‱ up	5.7% 91‱ up	6.0% 23‱ up	6.6% (3‱) down
Membership Growth (Annualized) Ratio of sums	3.16% (54‱) down	(3.48%) (107‱) down	(0.32%) 192‱ up	(0.70%) (96‱) down	(0.41%) (98‱) down	2.83% 212‱ up	3.04% (109‱) down	5.79% (64‱) down	— withheld	(3.13%) (76‱) down	(0.32%) 192‱ up	(0.70%) (96‱) down	(0.41%) (98‱) down	3.87% (60‱) down
Totals, summed
Total Assets Sum	$2.37T 2.6% up	$3.48B (9.6%) down	$31.59B (4.4%) down	$42.91B (4.7%) down	$238.96B (2.7%) down	$204.07B 2.7% up	$1.26T 5.0% up	$581.72B 0.9% up	— withheld	$3.25B (9.7%) down	$31.59B (4.4%) down	$42.91B (4.7%) down	$238.96B (2.7%) down	$2.05T 3.6% up
Total Loans Sum	$1.65T 3.3% up	$1.76B (12.4%) down	$15.88B (8.0%) down	$23.17B (7.7%) down	$149.77B (4.9%) down	$139.64B 1.9% up	$901.81B 5.6% up	$421.70B 3.3% up	— withheld	$1.65B (12.4%) down	$15.88B (8.0%) down	$23.17B (7.7%) down	$149.77B (4.9%) down	$1.46T 4.6% up
Total Shares and Deposits Sum	$2.02T 4.5% up	$2.82B (10.4%) down	$27.06B (5.2%) down	$37.14B (5.1%) down	$208.20B (2.4%) down	$176.60B 4.0% up	$1.07T 6.9% up	$496.08B 3.9% up	— withheld	$2.64B (10.5%) down	$27.06B (5.2%) down	$37.14B (5.1%) down	$208.20B (2.4%) down	$1.75T 5.8% up
Net Worth Sum	$261.96B 4.8% up	$643.2M (6.0%) down	$4.38B 0.5% up	$5.59B (1.4%) down	$27.72B 0.0% flat	$22.16B 3.4% up	$140.38B 8.0% up	$61.08B 1.6% up	— withheld	$595.0M (6.0%) down	$4.38B 0.5% up	$5.59B (1.4%) down	$27.72B 0.0% flat	$223.62B 5.7% up
Other
Average Loan Balance Ratio of sums	18699.4% 63,856‱ up	8919.9% (28,685‱) down	4088.9% 19,231‱ up	7049.4% (20,676‱) down	11440.6% 21,696‱ up	18142.8% 4,424‱ up	22804.4% 56,112‱ up	20336.8% 46,620‱ up	— withheld	9112.6% (30,311‱) down	4088.9% 19,231‱ up	7049.4% (20,676‱) down	11440.6% 21,696‱ up	21523.9% 48,543‱ up
Average Shares Per Member Ratio of sums	14106.4% 31,808‱ up	4918.5% (14,345‱) down	9262.3% 12,003‱ up	10902.7% 34,695‱ up	12892.4% 43,851‱ up	13887.2% 38,603‱ up	15271.2% 35,021‱ up	13324.9% 3,072‱ up	— withheld	5249.9% (16,008‱) down	9262.3% 12,003‱ up	10902.7% 34,695‱ up	12892.4% 43,851‱ up	14521.9% 26,014‱ up
Borrowers / Members Ratio of sums	61.7% (144‱) down	34.4% (69‱) down	133.0% (885‱) down	96.5% 315‱ up	81.1% (86‱) down	60.5% 31‱ up	56.3% (81‱) down	55.7% (149‱) down	— withheld	36.1% (72‱) down	133.0% (885‱) down	96.5% 315‱ up	81.1% (86‱) down	56.6% (91‱) down
Delinquent Loans / Assets Ratio of sums	0.6% 2‱ flat	0.8% 5‱ up	0.5% 2‱ flat	0.4% 0‱ flat	0.4% 4‱ up	0.5% 3‱ up	0.5% 3‱ up	0.8% (2‱) flat	— withheld	0.8% 6‱ up	0.5% 2‱ flat	0.4% 0‱ flat	0.4% 4‱ up	0.6% 2‱ flat
Delinquent Loans / Net Worth Ratio of sums	5.0% 6‱ up	4.4% 9‱ up	3.7% (6‱) down	3.3% (15‱) down	3.9% 25‱ up	4.5% 27‱ up	4.2% 17‱ up	7.8% (21‱) down	— withheld	4.2% 18‱ up	3.7% (6‱) down	3.3% (15‱) down	3.9% 25‱ up	5.2% 3‱ up
Fixed Assets & Foreclosed Assets / Total Assets Ratio of sums	1.8% 3‱ up	0.7% 4‱ up	1.7% 8‱ up	2.2% 9‱ up	2.4% 6‱ up	2.4% 3‱ up	1.7% 1‱ flat	1.5% 4‱ up	— withheld	0.7% 4‱ up	1.7% 8‱ up	2.2% 9‱ up	2.4% 6‱ up	1.7% 2‱ flat
Gross Income / Average Assets Ratio of sums	6.1% 22‱ up	5.6% 32‱ up	5.4% 29‱ up	5.5% 27‱ up	5.9% 26‱ up	6.0% 24‱ up	6.0% 19‱ up	6.5% 26‱ up	— withheld	5.6% 34‱ up	5.4% 29‱ up	5.5% 27‱ up	5.9% 26‱ up	6.1% 21‱ up
Members / Full-Time Equivalent Employees Ratio of sums	406.9% 443‱ up	338.0% 10,255‱ up	403.7% (593‱) down	371.8% (656‱) down	328.1% (703‱) down	339.1% (200‱) down	399.0% 376‱ up	523.1% 1,342‱ up	— withheld	336.2% 10,914‱ up	403.7% (593‱) down	371.8% (656‱) down	328.1% (703‱) down	422.1% 503‱ up
Members / Potential Members Ratio of sums	2.8% (8‱) down	1.5% (420‱) down	2.7% (17‱) down	2.1% (3‱) down	1.9% (13‱) down	2.0% (6‱) down	3.2% (9‱) down	3.4% (2‱) flat	— withheld	1.5% (386‱) down	2.7% (17‱) down	2.1% (3‱) down	1.9% (13‱) down	3.1% (6‱) down
Net Margin / Average Assets Ratio of sums	4.2% 23‱ up	4.7% 22‱ up	4.5% 20‱ up	4.5% 17‱ up	4.5% 20‱ up	4.4% 23‱ up	4.0% 22‱ up	4.5% 29‱ up	— withheld	4.7% 25‱ up	4.5% 20‱ up	4.5% 17‱ up	4.5% 20‱ up	4.2% 24‱ up
Net Operating Expense / Average Assets Ratio of sums	2.7% 12‱ up	4.0% 37‱ up	3.2% 15‱ up	3.1% 11‱ up	3.0% 10‱ up	3.0% 13‱ up	2.6% 9‱ up	2.5% 21‱ up	— withheld	4.0% 37‱ up	3.2% 15‱ up	3.1% 11‱ up	3.0% 10‱ up	2.6% 13‱ up
Other Non-Performing Assets / Total Assets Ratio of sums	0.0% 1‱ flat	0.0% 1‱ flat	0.0% 0‱ flat	0.0% 2‱ flat	0.0% 1‱ flat	0.0% 1‱ flat	0.0% 1‱ flat	0.0% 1‱ flat	— withheld	0.0% 0‱ flat	0.0% 0‱ flat	0.0% 2‱ flat	0.0% 1‱ flat	0.0% 1‱ flat
Regular Shares / Total Shares & Borrowings Ratio of sums	27.3% (46‱) down	75.4% (139‱) down	55.7% (105‱) down	47.8% (141‱) down	37.2% (99‱) down	30.6% (76‱) down	25.9% (50‱) down	22.1% 52‱ up	— withheld	74.4% (145‱) down	55.7% (105‱) down	47.8% (141‱) down	37.2% (99‱) down	25.3% (21‱) down
Salary And Benefits / Full-Time Equivalent Employee Ratio of sums	107215.3% 499,548‱ up	44166.2% 1,482,940‱ up	72624.7% 210,476‱ up	78994.9% 241,562‱ up	86684.5% 218,637‱ up	97728.7% 259,888‱ up	111390.5% 500,197‱ up	124735.8% 628,665‱ up	— withheld	46512.6% 1,651,349‱ up	72624.7% 210,476‱ up	78994.9% 241,562‱ up	86684.5% 218,637‱ up	112927.1% 497,198‱ up
Yield on Average Investments Ratio of sums	3.5% 0‱ flat	3.1% 13‱ up	3.2% 37‱ up	3.1% 41‱ up	3.2% 26‱ up	3.3% 16‱ up	3.5% (13‱) down	3.8% (1‱) flat	— withheld	3.1% 16‱ up	3.2% 37‱ up	3.1% 41‱ up	3.2% 26‱ up	3.6% (7‱) down

↑ ↓ against Q1 2024 · → 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, Q1 2024 and Q1 2025 · callseries release v2026.2.27, cut Oct 29, 2026 · peer groups peer-groups.yaml@74abeac

The files for Q1 2025

Accounts curated/accounts/quarter=2025Q1/data.parquet callbase
Account text curated/accounts_text/quarter=2025Q1/data.parquet callbase
Profiles curated/profiles/quarter=2025Q1/data.parquet callbase
Quorum, filer by filer index/quorum/quarter=2025Q1/data.parquet callbase
Peer aggregates releases/v2026.2.27/peer-quarter.parquet callseries

-- One ratio across every group, Q1 2025, 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 = '2025Q1'
  AND measure = 'delinquent_loans_to_total_loans'
ORDER BY peer_group;

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