Quarter · cycle date December 31, 2025

Q4 2025

✓ Quorum reached

Coverage

Filed, of expected

Filings held

Due

Rates at December 31, 2025 3.6% fed funds · 2-year 3.5% · 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 Q4 2024 appears below each value.

The change compares Q4 2025’s members with Q4 2024’s, because credit unions are grouped by their assets in each quarter.

Q4 2025: each measure's statistic by peer group, with its change on Q4 2024
Measure	All FICUs 4,287 of 4,332	<$10M Withheld · 798 of 820	$10M–$50M 1,146 of 1,156	$50M–$100M 570 of 572	$100M–$500M 1,034 of 1,041	$500M–$1B 279 of 282	$1B–$10B 439 of 440	>$10B 21 of 21	NCUA Peer 1: <$2M Withheld · 237 of 251	NCUA Peer 2: $2M–$10M 561 of 569	NCUA Peer 3: $10M–$50M 1,146 of 1,156	NCUA Peer 4: $50M–$100M 570 of 572	NCUA Peer 5: $100M–$500M 1,034 of 1,041	NCUA Peer 6: >$500M 739 of 743
Asset quality
Delinquent Loans / Total Loans Ratio of sums	1.03% 5‱ up	— withheld	1.12% (4‱) down	1.01% 7‱ up	0.89% 4‱ up	0.88% 1‱ flat	0.85% 5‱ up	1.49% 6‱ up	— withheld	1.70% —	1.12% (4‱) down	1.01% 7‱ up	0.89% 4‱ up	1.04% 5‱ up
Net Charge-Offs / Average Loans Ratio of sums	0.79% (2‱) flat	— withheld	0.45% (1‱) flat	0.47% 2‱ flat	0.50% 1‱ flat	0.58% (3‱) down	0.61% 0‱ flat	1.34% (8‱) down	— withheld	0.68% —	0.45% (1‱) flat	0.47% 2‱ flat	0.50% 1‱ flat	0.82% (2‱) flat
Provision for Loan/Lease Losses or Credit Loss Expense / Average Assets Ratio of sums	0.61% (2‱) flat	— withheld	0.26% (2‱) flat	0.29% 2‱ flat	0.37% 1‱ flat	0.44% (4‱) down	0.51% 0‱ flat	1.01% (8‱) down	— withheld	0.35% —	0.26% (2‱) flat	0.29% 2‱ flat	0.37% 1‱ flat	0.65% (2‱) flat
Capital
Net Worth / Total Assets for Prompt Corrective Action Ratio of sums	11.3% 11‱ up	— withheld	14.4% 52‱ up	13.6% 41‱ up	12.0% 28‱ up	11.2% 16‱ up	11.4% 16‱ up	10.6% (7‱) down	— withheld	18.7% —	14.4% 52‱ up	13.6% 41‱ up	12.0% 28‱ up	11.1% 9‱ up
Net Worth / Total Assets excluding CECL Transition Provision Ratio of sums	11.3% 19‱ up	— withheld	14.4% 57‱ up	13.6% 45‱ up	12.0% 32‱ up	11.1% 22‱ up	11.3% 22‱ up	10.5% 11‱ up	— withheld	18.7% —	14.4% 57‱ up	13.6% 45‱ up	12.0% 32‱ up	11.1% 18‱ up
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL Ratio of sums	12.1% 10‱ up	— withheld	14.9% 52‱ up	14.0% 42‱ up	12.5% 29‱ up	11.8% 14‱ up	12.1% 18‱ up	11.9% (18‱) down	— withheld	19.3% —	14.9% 52‱ up	14.0% 42‱ up	12.5% 29‱ up	12.0% 7‱ up
GAAP Equity / Total Assets Ratio of sums	10.4% 70‱ up	— withheld	14.3% 69‱ up	13.2% 73‱ up	11.3% 80‱ up	10.2% 77‱ up	10.4% 73‱ up	9.5% 64‱ up	— withheld	18.5% —	14.3% 69‱ up	13.2% 73‱ up	11.3% 80‱ up	10.1% 71‱ up
Liquidity and balance sheet
Cash + Short-Term Investments / Assets Ratio of sums	12.4% 24‱ up	— withheld	27.8% 168‱ up	22.8% 96‱ up	16.2% 43‱ up	12.6% 17‱ up	12.0% 9‱ up	10.1% 67‱ up	— withheld	35.2% —	27.8% 168‱ up	22.8% 96‱ up	16.2% 43‱ up	11.5% 25‱ up
Total Loans / Total Shares Ratio of sums	83.2% (73‱) down	— withheld	59.3% (152‱) down	62.8% (180‱) down	73.5% (67‱) down	81.0% (43‱) down	85.4% (53‱) down	85.9% (189‱) down	— withheld	62.6% —	59.3% (152‱) down	62.8% (180‱) down	73.5% (67‱) down	85.2% (87‱) down
Total Loans / Total Assets Ratio of sums	70.7% (56‱) down	— withheld	50.4% (169‱) down	53.9% (191‱) down	63.6% (85‱) down	69.7% (35‱) down	72.1% (45‱) down	73.3% (112‱) down	— withheld	50.6% —	50.4% (169‱) down	53.9% (191‱) down	63.6% (85‱) down	72.2% (60‱) down
Borrowings / Total Shares & Net Worth Ratio of sums	3.5% (81‱) down	— withheld	0.1% (3‱) down	0.3% (5‱) down	1.3% (40‱) down	2.8% (79‱) down	4.2% (77‱) down	3.7% (132‱) down	— withheld	0.2% —	0.1% (3‱) down	0.3% (5‱) down	1.3% (40‱) down	3.9% (92‱) down
Earnings, annualized
Return on Average Assets (ROAA) Ratio of sums	0.79% 16‱ up	— withheld	0.82% 12‱ up	0.78% 10‱ up	0.76% 13‱ up	0.70% 24‱ up	0.79% 16‱ up	0.83% 16‱ up	— withheld	0.28% —	0.82% 12‱ up	0.78% 10‱ up	0.76% 13‱ up	0.79% 17‱ up
Net Interest Margin / Average Assets Ratio of sums	3.4% 28‱ up	— withheld	3.9% 22‱ up	3.7% 21‱ up	3.6% 26‱ up	3.5% 30‱ up	3.2% 30‱ up	3.7% 24‱ up	— withheld	4.2% —	3.9% 22‱ up	3.7% 21‱ up	3.6% 26‱ up	3.4% 28‱ up
Yield on Average Loans Ratio of sums	6.1% 27‱ up	— withheld	6.4% 31‱ up	6.2% 29‱ up	6.2% 31‱ up	6.0% 30‱ up	5.9% 28‱ up	6.6% 21‱ up	— withheld	7.0% —	6.4% 31‱ up	6.2% 29‱ up	6.2% 31‱ up	6.1% 27‱ up
Cost of Funds / Average Assets Ratio of sums	1.83% (10‱) down	— withheld	0.94% 2‱ flat	1.04% 3‱ up	1.35% (4‱) down	1.56% (8‱) down	1.92% (13‱) down	2.03% (13‱) down	— withheld	0.97% —	0.94% 2‱ flat	1.04% 3‱ up	1.35% (4‱) down	1.92% (12‱) down
Fee & Other Operating Income / Average Assets Ratio of sums	1.05% 0‱ flat	— withheld	0.81% (1‱) flat	0.99% (2‱) flat	1.17% 1‱ flat	1.20% 0‱ flat	1.09% 2‱ flat	0.89% (6‱) down	— withheld	0.55% —	0.81% (1‱) flat	0.99% (2‱) flat	1.17% 1‱ flat	1.04% (1‱) flat
Non-Interest Expense / Average Assets Ratio of sums	3.1% 10‱ up	— withheld	3.7% 13‱ up	3.7% 9‱ up	3.7% 14‱ up	3.6% 8‱ up	3.0% 12‱ up	2.9% 6‱ up	— withheld	4.3% —	3.7% 13‱ up	3.7% 9‱ up	3.7% 14‱ up	3.0% 10‱ up
Non-Interest Expense / Gross Income Ratio of sums	49.9% 16‱ up	— withheld	66.1% (30‱) down	64.6% (78‱) down	60.8% (4‱) down	57.8% (67‱) down	49.2% 42‱ up	43.1% 57‱ up	— withheld	75.1% —	66.1% (30‱) down	64.6% (78‱) down	60.8% (4‱) down	48.2% 30‱ up
Growth, annualized year to date
Asset Growth (Annualized) Ratio of sums	6.3% 346‱ up	— withheld	2.5% 233‱ up	3.4% 181‱ up	4.8% 200‱ up	5.5% 326‱ up	6.5% 345‱ up	6.9% 428‱ up	— withheld	(0.2%) —	2.5% 233‱ up	3.4% 181‱ up	4.8% 200‱ up	6.5% 368‱ up
Loan Growth (Annualized) Ratio of sums	5.4% 225‱ up	— withheld	(1.3%) (3‱) down	0.7% 81‱ up	3.8% 266‱ up	4.6% 319‱ up	5.8% 252‱ up	5.6% 127‱ up	— withheld	(3.7%) —	(1.3%) (3‱) down	0.7% 81‱ up	3.8% 266‱ up	5.7% 223‱ up
Share Growth (Annualized) Ratio of sums	6.3% 168‱ up	— withheld	1.9% 233‱ up	2.8% 156‱ up	4.4% 119‱ up	5.4% 199‱ up	6.6% 139‱ up	7.5% 217‱ up	— withheld	(0.5%) —	1.9% 233‱ up	2.8% 156‱ up	4.4% 119‱ up	6.7% 169‱ up
Net Worth Growth (Annualized) Ratio of sums	7.1% 183‱ up	— withheld	5.7% 23‱ up	6.2% 83‱ up	6.8% 115‱ up	6.7% 270‱ up	7.7% 203‱ up	6.2% 159‱ up	— withheld	1.2% —	5.7% 23‱ up	6.2% 83‱ up	6.8% 115‱ up	7.2% 198‱ up
Membership Growth (Annualized) Ratio of sums	2.56% (20‱) down	— withheld	(1.28%) 27‱ up	(1.26%) (36‱) down	0.14% (13‱) down	1.32% 103‱ up	2.88% (16‱) down	4.09% (104‱) down	— withheld	(1.15%) —	(1.28%) 27‱ up	(1.26%) (36‱) down	0.14% (13‱) down	3.10% (27‱) down
Totals, summed
Total Assets Sum	$2.43T 5.4% up	— withheld	$30.57B (3.3%) down	$41.71B (4.6%) down	$238.80B 0.1% flat	$201.53B (0.9%) down	$1.30T 6.6% up	$612.09B 8.8% up	— withheld	$3.14B —	$30.57B (3.3%) down	$41.71B (4.6%) down	$238.80B 0.1% flat	$2.12T 6.5% up
Total Loans Sum	$1.72T 4.6% up	— withheld	$15.40B (6.4%) down	$22.47B (7.9%) down	$151.86B (1.2%) down	$140.44B (1.4%) down	$940.50B 6.0% up	$448.70B 7.1% up	— withheld	$1.59B —	$15.40B (6.4%) down	$22.47B (7.9%) down	$151.86B (1.2%) down	$1.53T 5.6% up
Total Shares and Deposits Sum	$2.07T 5.5% up	— withheld	$25.97B (4.0%) down	$35.80B (5.3%) down	$206.73B (0.3%) down	$173.31B (0.9%) down	$1.10T 6.6% up	$522.32B 9.5% up	— withheld	$2.53B —	$25.97B (4.0%) down	$35.80B (5.3%) down	$206.73B (0.3%) down	$1.80T 6.7% up
Net Worth Sum	$274.35B 6.3% up	— withheld	$4.42B 0.4% up	$5.67B (1.7%) down	$28.62B 2.5% up	$22.53B 0.4% up	$147.83B 8.0% up	$64.66B 7.8% up	— withheld	$586.7M —	$4.42B 0.4% up	$5.67B (1.7%) down	$28.62B 2.5% up	$235.01B 7.2% up
Other
Average Loan Balance Ratio of sums	19399.1% 98,615‱ up	— withheld	4486.4% 26,497‱ up	6945.7% 24,377‱ up	11597.6% 20,387‱ up	18956.1% 66,003‱ up	23474.9% 85,730‱ up	21070.1% 120,710‱ up	— withheld	9124.6% —	4486.4% 26,497‱ up	6945.7% 24,377‱ up	11597.6% 20,387‱ up	22243.4% 97,254‱ up
Average Shares Per Member Ratio of sums	14286.4% 52,066‱ up	— withheld	9323.0% 25,235‱ up	11109.2% 46,932‱ up	13002.5% 47,591‱ up	14044.0% 53,914‱ up	15402.6% 44,244‱ up	13581.8% 58,185‱ up	— withheld	5193.7% —	9323.0% 25,235‱ up	11109.2% 46,932‱ up	13002.5% 47,591‱ up	14692.7% 49,770‱ up
Borrowers / Members Ratio of sums	61.3% (147‱) down	— withheld	123.2% (746‱) down	100.4% (212‱) down	82.4% 86‱ up	60.0% (10‱) down	56.1% (80‱) down	55.4% (209‱) down	— withheld	35.7% —	123.2% (746‱) down	100.4% (212‱) down	82.4% 86‱ up	56.2% (116‱) down
Delinquent Loans / Assets Ratio of sums	0.7% 3‱ up	— withheld	0.6% (4‱) down	0.5% 2‱ flat	0.6% 2‱ flat	0.6% 0‱ flat	0.6% 3‱ up	1.1% 3‱ up	— withheld	0.9% —	0.6% (4‱) down	0.5% 2‱ flat	0.6% 2‱ flat	0.7% 3‱ up
Delinquent Loans / Net Worth Ratio of sums	6.4% 22‱ up	— withheld	3.9% (44‱) down	4.0% 2‱ flat	4.7% 3‱ up	5.5% (5‱) down	5.4% 22‱ up	10.3% 37‱ up	— withheld	4.6% —	3.9% (44‱) down	4.0% 2‱ flat	4.7% 3‱ up	6.8% 24‱ up
Fixed Assets & Foreclosed Assets / Total Assets Ratio of sums	1.8% (2‱) flat	— withheld	1.7% 5‱ up	2.3% 8‱ up	2.5% 2‱ flat	2.4% (6‱) down	1.8% (1‱) flat	1.5% (4‱) down	— withheld	0.6% —	1.7% 5‱ up	2.3% 8‱ up	2.5% 2‱ flat	1.8% (3‱) down
Gross Income / Average Assets Ratio of sums	6.3% 17‱ up	— withheld	5.6% 22‱ up	5.8% 22‱ up	6.1% 23‱ up	6.2% 22‱ up	6.2% 19‱ up	6.6% 5‱ up	— withheld	5.7% —	5.6% 22‱ up	5.8% 22‱ up	6.1% 23‱ up	6.3% 16‱ up
Members / Full-Time Equivalent Employees Ratio of sums	404.6% (137‱) down	— withheld	396.7% (494‱) down	364.2% (954‱) down	324.3% (627‱) down	336.5% (302‱) down	394.9% (365‱) down	521.9% 170‱ up	— withheld	375.1% —	396.7% (494‱) down	364.2% (954‱) down	324.3% (627‱) down	419.7% (135‱) down
Members / Potential Members Ratio of sums	2.8% (8‱) down	— withheld	2.6% (15‱) down	2.0% (26‱) down	1.7% (18‱) down	1.9% (16‱) down	3.2% (7‱) down	3.5% 8‱ up	— withheld	6.4% —	2.6% (15‱) down	2.0% (26‱) down	1.7% (18‱) down	3.0% (4‱) down
Net Margin / Average Assets Ratio of sums	4.5% 27‱ up	— withheld	4.7% 20‱ up	4.7% 18‱ up	4.8% 27‱ up	4.7% 30‱ up	4.3% 32‱ up	4.6% 18‱ up	— withheld	4.7% —	4.7% 20‱ up	4.7% 18‱ up	4.8% 27‱ up	4.4% 28‱ up
Net Operating Expense / Average Assets Ratio of sums	2.7% 11‱ up	— withheld	3.2% 15‱ up	3.1% 11‱ up	3.1% 15‱ up	3.0% 9‱ up	2.6% 12‱ up	2.6% 12‱ up	— withheld	3.9% —	3.2% 15‱ up	3.1% 11‱ up	3.1% 15‱ up	2.6% 11‱ up
Other Non-Performing Assets / Total Assets Ratio of sums	0.0% 1‱ flat	— withheld	0.0% 0‱ flat	0.1% 1‱ flat	0.1% 1‱ flat	0.0% 0‱ flat	0.0% 0‱ flat	0.1% 2‱ flat	— withheld	0.0% —	0.0% 0‱ flat	0.1% 1‱ flat	0.1% 1‱ flat	0.0% 1‱ flat
Regular Shares / Total Shares & Borrowings Ratio of sums	26.5% (52‱) down	— withheld	55.0% (70‱) down	46.5% (126‱) down	36.2% (66‱) down	29.7% (61‱) down	25.0% (53‱) down	22.0% 39‱ up	— withheld	73.4% —	55.0% (70‱) down	46.5% (126‱) down	36.2% (66‱) down	24.6% (33‱) down
Salary And Benefits / Full-Time Equivalent Employee Ratio of sums	108315.9% 526,238‱ up	— withheld	74970.2% 355,371‱ up	80631.3% 287,035‱ up	88247.2% 401,784‱ up	98261.9% 348,108‱ up	111544.6% 471,395‱ up	126442.0% 651,720‱ up	— withheld	52712.3% —	74970.2% 355,371‱ up	80631.3% 287,035‱ up	88247.2% 401,784‱ up	113640.3% 516,218‱ up
Yield on Average Investments Ratio of sums	3.8% (3‱) down	— withheld	3.4% 26‱ up	3.4% 34‱ up	3.5% 19‱ up	3.6% 8‱ up	3.8% (10‱) down	4.1% (15‱) down	— withheld	3.3% —	3.4% 26‱ up	3.4% 34‱ up	3.5% 19‱ up	3.8% (9‱) down

↑ ↓ against Q4 2024 · → 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 Q4 2024 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 2024 and Q4 2025 · callseries release v2026.2.27, cut Oct 29, 2026 · peer groups peer-groups.yaml@74abeac

The files for Q4 2025

Accounts curated/accounts/quarter=2025Q4/data.parquet callbase
Account text curated/accounts_text/quarter=2025Q4/data.parquet callbase
Profiles curated/profiles/quarter=2025Q4/data.parquet callbase
Quorum, filer by filer index/quorum/quarter=2025Q4/data.parquet callbase
Peer aggregates releases/v2026.2.27/peer-quarter.parquet callseries

-- One ratio across every group, Q4 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 = '2025Q4'
  AND measure = 'delinquent_loans_to_total_loans'
ORDER BY peer_group;

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