Quarter · cycle date June 30, 2025

Q2 2025

✓ Quorum reached

Coverage

Filed, of expected

Filings held

Due

Rates at June 30, 2025 4.3% fed funds · 2-year 3.7% · 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 Q2 2024 appears below each value.

The change compares Q2 2025’s members with Q2 2024’s, because credit unions are grouped by their assets in each quarter.

Q2 2025: each measure's statistic by peer group, with its change on Q2 2024
Measure	All FICUs 4,370 of 4,414	<$10M 830 of 845	$10M–$50M 1,178 of 1,196	$50M–$100M 582 of 585	$100M–$500M 1,041 of 1,047	$500M–$1B 284 of 286	$1B–$10B 433 of 433	>$10B 22 of 22	NCUA Peer 1: <$2M Withheld · 254 of 260	NCUA Peer 2: $2M–$10M 576 of 585	NCUA Peer 3: $10M–$50M 1,178 of 1,196	NCUA Peer 4: $50M–$100M 582 of 585	NCUA Peer 5: $100M–$500M 1,041 of 1,047	NCUA Peer 6: >$500M 739 of 741
Asset quality
Delinquent Loans / Total Loans Ratio of sums	0.91% 6‱ up	1.83% 35‱ up	1.14% 11‱ up	0.92% 7‱ up	0.82% 9‱ up	0.81% 4‱ up	0.76% 8‱ up	1.25% 2‱ flat	— withheld	1.75% 38‱ up	1.14% 11‱ up	0.92% 7‱ up	0.82% 9‱ up	0.91% 6‱ up
Net Charge-Offs / Average Loans Ratio of sums	0.79% 0‱ flat	0.65% 13‱ up	0.43% 3‱ up	0.45% (1‱) flat	0.47% 1‱ flat	0.58% (1‱) flat	0.62% 1‱ flat	1.34% (7‱) down	— withheld	0.64% 15‱ up	0.43% 3‱ up	0.45% (1‱) flat	0.47% 1‱ flat	0.83% (1‱) flat
Provision for Loan/Lease Losses or Credit Loss Expense / Average Assets Ratio of sums	0.58% 1‱ flat	0.72% 42‱ up	0.24% (1‱) flat	0.27% 0‱ flat	0.33% 2‱ flat	0.43% 1‱ flat	0.49% 2‱ flat	0.97% (4‱) down	— withheld	0.75% 47‱ up	0.24% (1‱) flat	0.27% 0‱ flat	0.33% 2‱ flat	0.62% 1‱ flat
Capital
Net Worth / Total Assets for Prompt Corrective Action Ratio of sums	11.2% 16‱ up	18.6% 46‱ up	14.1% 62‱ up	13.3% 49‱ up	11.8% 31‱ up	11.1% 6‱ up	11.3% 28‱ up	10.6% (11‱) down	— withheld	18.3% 47‱ up	14.1% 62‱ up	13.3% 49‱ up	11.8% 31‱ up	11.1% 14‱ up
Net Worth / Total Assets excluding CECL Transition Provision Ratio of sums	11.1% 27‱ up	18.5% 46‱ up	14.0% 66‱ up	13.3% 53‱ up	11.7% 35‱ up	10.9% 11‱ up	11.2% 36‱ up	10.4% 11‱ up	— withheld	18.3% 48‱ up	14.0% 66‱ up	13.3% 53‱ up	11.7% 35‱ up	10.9% 26‱ up
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL Ratio of sums	12.0% 18‱ up	19.3% 66‱ up	14.5% 63‱ up	13.7% 49‱ up	12.3% 32‱ up	11.6% 7‱ up	12.0% 32‱ up	11.9% (13‱) down	— withheld	19.1% 70‱ up	14.5% 63‱ up	13.7% 49‱ up	12.3% 32‱ up	11.9% 16‱ up
GAAP Equity / Total Assets Ratio of sums	10.0% 68‱ up	18.4% 49‱ up	13.8% 78‱ up	12.8% 84‱ up	10.8% 76‱ up	9.7% 53‱ up	10.1% 80‱ up	9.1% 51‱ up	— withheld	18.2% 50‱ up	13.8% 78‱ up	12.8% 84‱ up	10.8% 76‱ up	9.7% 68‱ up
Liquidity and balance sheet
Cash + Short-Term Investments / Assets Ratio of sums	12.3% (41‱) down	34.8% 243‱ up	27.1% 195‱ up	22.5% 135‱ up	16.5% 125‱ up	12.7% 21‱ up	12.2% (39‱) down	9.3% (135‱) down	— withheld	34.1% 242‱ up	27.1% 195‱ up	22.5% 135‱ up	16.5% 125‱ up	11.4% (62‱) down
Total Loans / Total Shares Ratio of sums	83.1% (82‱) down	62.8% (163‱) down	59.5% (166‱) down	63.1% (193‱) down	72.9% (178‱) down	80.6% (132‱) down	85.4% (77‱) down	86.2% (91‱) down	— withheld	63.1% (154‱) down	59.5% (166‱) down	63.1% (193‱) down	72.9% (178‱) down	85.2% (85‱) down
Total Loans / Total Assets Ratio of sums	70.7% 24‱ up	50.7% (167‱) down	50.8% (187‱) down	54.3% (195‱) down	63.4% (138‱) down	69.5% (61‱) down	72.1% 24‱ up	73.3% 110‱ up	— withheld	51.2% (160‱) down	50.8% (187‱) down	54.3% (195‱) down	63.4% (138‱) down	72.2% 42‱ up
Borrowings / Total Shares & Net Worth Ratio of sums	3.9% (172‱) down	0.2% (10‱) down	0.2% (4‱) down	0.3% (23‱) down	1.4% (85‱) down	3.1% (108‱) down	4.5% (177‱) down	4.6% (261‱) down	— withheld	0.1% (12‱) down	0.2% (4‱) down	0.3% (23‱) down	1.4% (85‱) down	4.4% (193‱) down
Earnings, annualized
Return on Average Assets (ROAA) Ratio of sums	0.75% 6‱ up	0.05% (46‱) down	0.82% 13‱ up	0.79% 22‱ up	0.75% 12‱ up	0.62% 10‱ up	0.76% 4‱ up	0.80% 6‱ up	— withheld	(0.01%) (55‱) down	0.82% 13‱ up	0.79% 22‱ up	0.75% 12‱ up	0.75% 5‱ up
Net Interest Margin / Average Assets Ratio of sums	3.3% 26‱ up	4.2% 17‱ up	3.8% 24‱ up	3.7% 24‱ up	3.5% 25‱ up	3.4% 25‱ up	3.1% 27‱ up	3.6% 28‱ up	— withheld	4.2% 19‱ up	3.8% 24‱ up	3.7% 24‱ up	3.5% 25‱ up	3.3% 27‱ up
Yield on Average Loans Ratio of sums	6.0% 31‱ up	6.9% 47‱ up	6.3% 36‱ up	6.1% 36‱ up	6.0% 36‱ up	5.9% 35‱ up	5.8% 32‱ up	6.5% 25‱ up	— withheld	6.9% 48‱ up	6.3% 36‱ up	6.1% 36‱ up	6.0% 36‱ up	6.0% 30‱ up
Cost of Funds / Average Assets Ratio of sums	1.84% (4‱) down	0.89% 9‱ up	0.92% 6‱ up	1.01% 5‱ up	1.35% 1‱ flat	1.56% (1‱) flat	1.93% (6‱) down	2.04% (6‱) down	— withheld	0.90% 9‱ up	0.92% 6‱ up	1.01% 5‱ up	1.35% 1‱ flat	1.93% (6‱) down
Fee & Other Operating Income / Average Assets Ratio of sums	1.03% (1‱) flat	0.53% 3‱ up	0.80% (2‱) flat	0.97% (4‱) down	1.15% 0‱ flat	1.18% 1‱ flat	1.06% 0‱ flat	0.89% (2‱) flat	— withheld	0.55% 3‱ up	0.80% (2‱) flat	0.97% (4‱) down	1.15% 0‱ flat	1.02% (1‱) flat
Non-Interest Expense / Average Assets Ratio of sums	3.1% 11‱ up	4.3% 33‱ up	3.7% 15‱ up	3.6% 0‱ flat	3.7% 12‱ up	3.6% 11‱ up	3.0% 11‱ up	2.8% 15‱ up	— withheld	4.2% 36‱ up	3.7% 15‱ up	3.6% 0‱ flat	3.7% 12‱ up	3.0% 12‱ up
Non-Interest Expense / Gross Income Ratio of sums	50.0% 1‱ flat	75.9% 300‱ up	66.1% (59‱) down	64.5% (293‱) down	60.8% (75‱) down	58.4% (57‱) down	49.2% 9‱ up	43.2% 99‱ up	— withheld	74.8% 234‱ up	66.1% (59‱) down	64.5% (293‱) down	60.8% (75‱) down	48.2% 27‱ up
Growth, annualized year to date
Asset Growth (Annualized) Ratio of sums	6.7% 250‱ up	1.9% 364‱ up	4.3% 314‱ up	5.2% 258‱ up	6.2% 223‱ up	6.0% 338‱ up	6.1% 132‱ up	8.6% 465‱ up	— withheld	2.0% 351‱ up	4.3% 314‱ up	5.2% 258‱ up	6.2% 223‱ up	6.8% 250‱ up
Loan Growth (Annualized) Ratio of sums	4.8% 246‱ up	(3.5%) (108‱) down	(1.5%) (109‱) down	0.6% (6‱) down	3.3% 226‱ up	4.7% 400‱ up	5.0% 236‱ up	5.4% 242‱ up	— withheld	(3.1%) (95‱) down	(1.5%) (109‱) down	0.6% (6‱) down	3.3% 226‱ up	5.1% 255‱ up
Share Growth (Annualized) Ratio of sums	6.9% 151‱ up	2.1% 438‱ up	3.9% 300‱ up	4.9% 245‱ up	6.2% 191‱ up	6.2% 228‱ up	6.4% 46‱ up	8.7% 299‱ up	— withheld	2.4% 439‱ up	3.9% 300‱ up	4.9% 245‱ up	6.2% 191‱ up	7.1% 139‱ up
Net Worth Growth (Annualized) Ratio of sums	7.1% 54‱ up	0.0% (271‱) down	6.1% 67‱ up	6.6% 180‱ up	7.0% 106‱ up	5.9% 145‱ up	7.3% 29‱ up	7.3% 38‱ up	— withheld	(0.4%) (323‱) down	6.1% 67‱ up	6.6% 180‱ up	7.0% 106‱ up	7.2% 44‱ up
Membership Growth (Annualized) Ratio of sums	2.57% (57‱) down	(1.26%) 50‱ up	(1.05%) 61‱ up	(0.56%) (15‱) down	0.32% (31‱) down	2.25% 164‱ up	2.26% (139‱) down	4.82% (37‱) down	— withheld	(0.89%) 69‱ up	(1.05%) 61‱ up	(0.56%) (15‱) down	0.32% (31‱) down	3.07% (72‱) down
Totals, summed
Total Assets Sum	$2.38T 3.6% up	$3.46B (8.1%) down	$31.31B (3.4%) down	$42.45B (5.4%) down	$239.01B (1.6%) down	$203.44B 2.0% up	$1.25T 4.3% up	$607.44B 6.0% up	— withheld	$3.23B (8.1%) down	$31.31B (3.4%) down	$42.45B (5.4%) down	$239.01B (1.6%) down	$2.06T 4.5% up
Total Loans Sum	$1.68T 3.9% up	$1.76B (11.0%) down	$15.91B (6.8%) down	$23.07B (8.7%) down	$151.56B (3.7%) down	$141.32B 1.1% up	$902.64B 4.6% up	$444.99B 7.6% up	— withheld	$1.65B (10.9%) down	$15.91B (6.8%) down	$23.07B (8.7%) down	$151.56B (3.7%) down	$1.49T 5.2% up
Total Shares and Deposits Sum	$2.02T 5.0% up	$2.80B (8.7%) down	$26.72B (4.2%) down	$36.58B (5.9%) down	$207.80B (1.4%) down	$175.38B 2.7% up	$1.06T 5.6% up	$516.04B 8.8% up	— withheld	$2.62B (8.7%) down	$26.72B (4.2%) down	$36.58B (5.9%) down	$207.80B (1.4%) down	$1.75T 6.2% up
Net Worth Sum	$266.64B 5.1% up	$641.6M (5.8%) down	$4.41B 1.1% up	$5.66B (1.7%) down	$28.16B 1.0% up	$22.42B 2.3% up	$141.18B 6.9% up	$64.17B 5.0% up	— withheld	$592.6M (5.6%) down	$4.41B 1.1% up	$5.66B (1.7%) down	$28.16B 1.0% up	$227.77B 5.9% up
Other
Average Loan Balance Ratio of sums	18928.5% 71,153‱ up	9106.9% (13,031‱) down	4160.5% 10,878‱ up	7037.7% 22,238‱ up	11601.6% 9,509‱ up	18637.0% 54,141‱ up	22941.2% 50,643‱ up	20664.9% 79,353‱ up	— withheld	9304.0% (14,454‱) down	4160.5% 10,878‱ up	7037.7% 22,238‱ up	11601.6% 9,509‱ up	21748.5% 61,035‱ up
Average Shares Per Member Ratio of sums	14063.9% 40,172‱ up	4899.8% (7,915‱) down	9224.3% 15,103‱ up	10950.8% 41,958‱ up	12863.2% 45,560‱ up	13785.2% 46,675‱ up	15164.8% 35,293‱ up	13435.8% 35,211‱ up	— withheld	5227.6% (9,279‱) down	9224.3% 15,103‱ up	10950.8% 41,958‱ up	12863.2% 45,560‱ up	14469.8% 35,926‱ up
Borrowers / Members Ratio of sums	61.8% (120‱) down	33.8% (94‱) down	132.0% (505‱) down	98.1% (230‱) down	80.9% 30‱ up	59.6% (68‱) down	56.5% (44‱) down	56.1% (131‱) down	— withheld	35.5% (94‱) down	132.0% (505‱) down	98.1% (230‱) down	80.9% 30‱ up	56.7% (75‱) down
Delinquent Loans / Assets Ratio of sums	0.6% 5‱ up	0.9% 15‱ up	0.6% 4‱ up	0.5% 2‱ flat	0.5% 5‱ up	0.6% 2‱ flat	0.5% 6‱ up	0.9% 3‱ up	— withheld	0.9% 17‱ up	0.6% 4‱ up	0.5% 2‱ flat	0.5% 5‱ up	0.7% 5‱ up
Delinquent Loans / Net Worth Ratio of sums	5.7% 34‱ up	5.0% 71‱ up	4.1% 9‱ up	3.8% 1‱ flat	4.4% 30‱ up	5.1% 19‱ up	4.9% 40‱ up	8.7% 32‱ up	— withheld	4.9% 83‱ up	4.1% 9‱ up	3.8% 1‱ flat	4.4% 30‱ up	5.9% 34‱ up
Fixed Assets & Foreclosed Assets / Total Assets Ratio of sums	1.8% 1‱ flat	0.6% (3‱) down	1.7% 9‱ up	2.3% 12‱ up	2.4% 4‱ up	2.4% 2‱ flat	1.7% (1‱) flat	1.6% 4‱ up	— withheld	0.7% (4‱) down	1.7% 9‱ up	2.3% 12‱ up	2.4% 4‱ up	1.8% 1‱ flat
Gross Income / Average Assets Ratio of sums	6.2% 22‱ up	5.6% 29‱ up	5.5% 28‱ up	5.7% 25‱ up	6.0% 27‱ up	6.1% 25‱ up	6.1% 20‱ up	6.5% 19‱ up	— withheld	5.6% 31‱ up	5.5% 28‱ up	5.7% 25‱ up	6.0% 27‱ up	6.2% 21‱ up
Members / Full-Time Equivalent Employees Ratio of sums	406.0% 194‱ up	352.7% 8,856‱ up	399.8% (518‱) down	368.0% (652‱) down	326.5% (740‱) down	339.7% (133‱) down	397.8% 153‱ up	518.2% 228‱ up	— withheld	351.7% 9,555‱ up	399.8% (518‱) down	368.0% (652‱) down	326.5% (740‱) down	421.3% 232‱ up
Members / Potential Members Ratio of sums	2.8% (5‱) down	4.3% (200‱) down	2.6% (22‱) down	2.0% (23‱) down	1.9% (1‱) flat	2.0% (10‱) down	3.2% (11‱) down	3.5% 4‱ up	— withheld	5.0% (93‱) down	2.6% (22‱) down	2.0% (23‱) down	1.9% (1‱) flat	3.1% (6‱) down
Net Margin / Average Assets Ratio of sums	4.4% 26‱ up	4.7% 19‱ up	4.6% 22‱ up	4.6% 20‱ up	4.7% 25‱ up	4.6% 26‱ up	4.2% 27‱ up	4.5% 26‱ up	— withheld	4.7% 22‱ up	4.6% 22‱ up	4.6% 20‱ up	4.7% 25‱ up	4.3% 26‱ up
Net Operating Expense / Average Assets Ratio of sums	2.7% 12‱ up	3.9% 32‱ up	3.2% 16‱ up	3.1% 4‱ up	3.1% 13‱ up	3.0% 12‱ up	2.6% 10‱ up	2.5% 20‱ up	— withheld	3.8% 35‱ up	3.2% 16‱ up	3.1% 4‱ up	3.1% 13‱ up	2.6% 13‱ up
Other Non-Performing Assets / Total Assets Ratio of sums	0.0% 1‱ flat	0.0% 0‱ flat	0.0% 0‱ flat	0.0% 2‱ flat	0.0% 1‱ flat	0.0% 0‱ flat	0.0% 1‱ flat	0.0% 2‱ 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	27.1% (39‱) down	75.4% (151‱) down	55.7% (69‱) down	47.6% (117‱) down	37.0% (72‱) down	30.5% (77‱) down	25.5% (52‱) down	22.4% 88‱ up	— withheld	74.4% (146‱) down	55.7% (69‱) down	47.6% (117‱) down	37.0% (72‱) down	25.1% (16‱) down
Salary And Benefits / Full-Time Equivalent Employee Ratio of sums	107600.4% 544,602‱ up	45908.9% 1,352,499‱ up	72663.9% 270,462‱ up	79085.4% 281,588‱ up	86798.7% 274,164‱ up	97707.7% 366,080‱ up	111428.0% 519,012‱ up	125692.9% 659,966‱ up	— withheld	48534.5% 1,544,711‱ up	72663.9% 270,462‱ up	79085.4% 281,588‱ up	86798.7% 274,164‱ up	113323.3% 548,559‱ up
Yield on Average Investments Ratio of sums	3.7% 1‱ flat	3.2% 9‱ up	3.4% 34‱ up	3.3% 37‱ up	3.4% 23‱ up	3.5% 8‱ up	3.8% (10‱) down	4.0% 1‱ flat	— withheld	3.2% 12‱ up	3.4% 34‱ up	3.3% 37‱ up	3.4% 23‱ up	3.8% (5‱) down

↑ ↓ against Q2 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, Q2 2024 and Q2 2025 · callseries release v2026.2.27, cut Oct 29, 2026 · peer groups peer-groups.yaml@74abeac

The files for Q2 2025

Accounts curated/accounts/quarter=2025Q2/data.parquet callbase
Account text curated/accounts_text/quarter=2025Q2/data.parquet callbase
Profiles curated/profiles/quarter=2025Q2/data.parquet callbase
Quorum, filer by filer index/quorum/quarter=2025Q2/data.parquet callbase
Peer aggregates releases/v2026.2.27/peer-quarter.parquet callseries

-- One ratio across every group, Q2 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 = '2025Q2'
  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.