Quarter · cycle date March 31, 2026

Q1 2026

✓ Quorum reached

Coverage

Filed, of expected

Filings held

Due

Rates at March 31, 2026 3.6% fed funds · 2-year 3.8% · 10-year 4.3%

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 2025 appears below each value.

The change compares Q1 2026’s members with Q1 2025’s, because credit unions are grouped by their assets in each quarter.

Q1 2026: each measure's statistic by peer group, with its change on Q1 2025
Measure	All FICUs 4,250 of 4,286	<$10M 778 of 793	$10M–$50M 1,125 of 1,133	$50M–$100M 563 of 566	$100M–$500M 1,036 of 1,045	$500M–$1B 282 of 282	$1B–$10B Withheld · 442 of 443	>$10B 24 of 24	NCUA Peer 1: <$2M Withheld · 230 of 235	NCUA Peer 2: $2M–$10M 548 of 558	NCUA Peer 3: $10M–$50M 1,125 of 1,133	NCUA Peer 4: $50M–$100M 563 of 566	NCUA Peer 5: $100M–$500M 1,036 of 1,045	NCUA Peer 6: >$500M 748 of 749
Asset quality
Delinquent Loans / Total Loans Ratio of sums	0.85% 5‱ up	1.67% 5‱ up	1.00% (3‱) down	0.83% 4‱ up	0.76% 5‱ up	0.71% (1‱) flat	— withheld	1.12% (1‱) flat	— withheld	1.55% 3‱ up	1.00% (3‱) down	0.83% 4‱ up	0.76% 5‱ up	0.85% 5‱ up
Net Charge-Offs / Average Loans Ratio of sums	0.81% (1‱) flat	0.73% 6‱ up	0.43% (3‱) down	0.43% (4‱) down	0.49% 1‱ flat	0.57% (5‱) down	— withheld	1.37% (5‱) down	— withheld	0.64% 0‱ flat	0.43% (3‱) down	0.43% (4‱) down	0.49% 1‱ flat	0.86% (1‱) flat
Provision for Loan/Lease Losses or Credit Loss Expense / Average Assets Ratio of sums	0.52% (4‱) down	0.37% (4‱) down	0.26% 3‱ up	0.26% (2‱) flat	0.32% (1‱) flat	0.37% (5‱) down	— withheld	0.78% (16‱) down	— withheld	0.33% (7‱) down	0.26% 3‱ up	0.26% (2‱) flat	0.32% (1‱) flat	0.56% (5‱) down
Capital
Net Worth / Total Assets for Prompt Corrective Action Ratio of sums	11.3% 18‱ up	18.9% 39‱ up	14.4% 53‱ up	13.4% 36‱ up	12.0% 33‱ up	11.1% 19‱ up	— withheld	10.9% 36‱ up	— withheld	18.8% 45‱ up	14.4% 53‱ up	13.4% 36‱ up	12.0% 33‱ up	11.1% 17‱ up
Net Worth / Total Assets excluding CECL Transition Provision Ratio of sums	11.2% 28‱ up	18.9% 41‱ up	14.4% 58‱ up	13.4% 39‱ up	11.9% 38‱ up	11.0% 26‱ up	— withheld	10.9% 57‱ up	— withheld	18.7% 47‱ up	14.4% 58‱ up	13.4% 39‱ up	11.9% 38‱ up	11.1% 28‱ up
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL Ratio of sums	12.1% 19‱ up	19.5% 37‱ up	14.8% 55‱ up	13.8% 37‱ up	12.4% 35‱ up	11.7% 19‱ up	— withheld	12.1% 23‱ up	— withheld	19.3% 43‱ up	14.8% 55‱ up	13.8% 37‱ up	12.4% 35‱ up	11.9% 17‱ up
GAAP Equity / Total Assets Ratio of sums	10.3% 57‱ up	18.8% 43‱ up	14.2% 65‱ up	13.0% 56‱ up	11.2% 64‱ up	10.1% 57‱ up	— withheld	9.9% 93‱ up	— withheld	18.6% 50‱ up	14.2% 65‱ up	13.0% 56‱ up	11.2% 64‱ up	10.1% 58‱ up
Liquidity and balance sheet
Cash + Short-Term Investments / Assets Ratio of sums	13.0% (36‱) down	37.7% 281‱ up	29.1% 104‱ up	23.8% 14‱ up	17.3% (41‱) down	13.4% (46‱) down	— withheld	10.7% 32‱ up	— withheld	37.1% 293‱ up	29.1% 104‱ up	23.8% 14‱ up	17.3% (41‱) down	12.1% (31‱) down
Total Loans / Total Shares Ratio of sums	81.5% (38‱) down	59.9% (251‱) down	57.2% (150‱) down	60.7% (172‱) down	71.8% (19‱) down	79.0% (2‱) flat	— withheld	83.7% (129‱) down	— withheld	60.1% (256‱) down	57.2% (150‱) down	60.7% (172‱) down	71.8% (19‱) down	83.3% (51‱) down
Total Loans / Total Assets Ratio of sums	69.6% (24‱) down	48.3% (224‱) down	48.7% (162‱) down	52.2% (176‱) down	62.3% (41‱) down	68.3% (12‱) down	— withheld	71.6% (91‱) down	— withheld	48.6% (233‱) down	48.7% (162‱) down	52.2% (176‱) down	62.3% (41‱) down	71.1% (28‱) down
Borrowings / Total Shares & Net Worth Ratio of sums	3.1% (70‱) down	0.1% (2‱) flat	0.1% (1‱) flat	0.3% (3‱) down	1.2% (24‱) down	2.6% (40‱) down	— withheld	3.3% (122‱) down	— withheld	0.1% (3‱) down	0.1% (1‱) flat	0.3% (3‱) down	1.2% (24‱) down	3.5% (81‱) down
Earnings, annualized
Return on Average Assets (ROAA) Ratio of sums	0.84% 17‱ up	0.14% (18‱) down	0.63% (9‱) down	(0.24%) (89‱) down	0.74% 8‱ up	0.73% 22‱ up	— withheld	1.04% 26‱ up	— withheld	0.26% (5‱) down	0.63% (9‱) down	(0.24%) (89‱) down	0.74% 8‱ up	0.87% 20‱ up
Net Interest Margin / Average Assets Ratio of sums	3.5% 23‱ up	4.1% (4‱) down	3.8% 7‱ up	3.7% 11‱ up	3.6% 20‱ up	3.5% 21‱ up	— withheld	3.8% 22‱ up	— withheld	4.1% (5‱) down	3.8% 7‱ up	3.7% 11‱ up	3.6% 20‱ up	3.4% 24‱ up
Yield on Average Loans Ratio of sums	6.1% 15‱ up	7.2% 19‱ up	6.4% 20‱ up	6.3% 17‱ up	6.2% 16‱ up	6.0% 16‱ up	— withheld	6.7% 16‱ up	— withheld	7.1% 20‱ up	6.4% 20‱ up	6.3% 17‱ up	6.2% 16‱ up	6.1% 15‱ up
Cost of Funds / Average Assets Ratio of sums	1.71% (13‱) down	0.86% 0‱ flat	0.90% (2‱) flat	1.00% (4‱) down	1.25% (10‱) down	1.46% (10‱) down	— withheld	1.88% (16‱) down	— withheld	0.87% (1‱) flat	0.90% (2‱) flat	1.00% (4‱) down	1.25% (10‱) down	1.78% (14‱) down
Fee & Other Operating Income / Average Assets Ratio of sums	1.00% (1‱) flat	0.46% (7‱) down	0.73% (5‱) down	0.92% (3‱) down	1.08% (3‱) down	1.15% 0‱ flat	— withheld	0.86% (2‱) flat	— withheld	0.46% (9‱) down	0.73% (5‱) down	0.92% (3‱) down	1.08% (3‱) down	1.00% 0‱ flat
Non-Interest Expense / Average Assets Ratio of sums	3.1% 9‱ up	4.3% (7‱) down	3.7% 5‱ up	4.6% 99‱ up	3.7% 10‱ up	3.6% 6‱ up	— withheld	2.9% 7‱ up	— withheld	4.2% (16‱) down	3.7% 5‱ up	4.6% 99‱ up	3.7% 10‱ up	3.0% 8‱ up
Non-Interest Expense / Gross Income Ratio of sums	51.0% 70‱ up	79.1% 37‱ up	68.1% 87‱ up	82.8% 1,714‱ up	62.3% 97‱ up	59.1% (10‱) down	— withheld	43.9% 89‱ up	— withheld	76.5% (95‱) down	68.1% 87‱ up	82.8% 1,714‱ up	62.3% 97‱ up	49.0% 51‱ up
Growth, annualized year to date
Asset Growth (Annualized) Ratio of sums	13.2% 223‱ up	4.6% (82‱) down	7.6% (152‱) down	6.6% (398‱) down	8.7% (216‱) down	8.2% (187‱) down	— withheld	25.4% 1,193‱ up	— withheld	4.8% (54‱) down	7.6% (152‱) down	6.6% (398‱) down	8.7% (216‱) down	13.9% 290‱ up
Loan Growth (Annualized) Ratio of sums	6.9% 432‱ up	(9.3%) (172‱) down	(5.3%) (70‱) down	(3.4%) (99‱) down	0.7% 56‱ up	1.9% (60‱) down	— withheld	17.9% 1,523‱ up	— withheld	(8.8%) (168‱) down	(5.3%) (70‱) down	(3.4%) (99‱) down	0.7% 56‱ up	7.8% 479‱ up
Share Growth (Annualized) Ratio of sums	15.0% 197‱ up	5.8% (49‱) down	8.6% (120‱) down	8.1% (326‱) down	9.7% (238‱) down	9.8% (241‱) down	— withheld	27.2% 1,131‱ up	— withheld	6.0% (50‱) down	8.6% (120‱) down	8.1% (326‱) down	9.7% (238‱) down	15.9% 260‱ up
Net Worth Growth (Annualized) Ratio of sums	12.0% 552‱ up	0.6% (66‱) down	4.5% (118‱) down	(1.6%) (731‱) down	6.4% 46‱ up	6.6% 151‱ up	— withheld	26.4% 1,902‱ up	— withheld	1.2% 4‱ up	4.5% (118‱) down	(1.6%) (731‱) down	6.4% 46‱ up	13.2% 657‱ up
Membership Growth (Annualized) Ratio of sums	5.65% 249‱ up	(2.37%) 112‱ up	(1.59%) (127‱) down	(0.82%) (13‱) down	0.96% 137‱ up	1.49% (135‱) down	— withheld	15.24% 946‱ up	— withheld	(2.62%) 52‱ up	(1.59%) (127‱) down	(0.82%) (13‱) down	0.96% 137‱ up	6.62% 275‱ up
Totals, summed
Total Assets Sum	$2.48T 4.9% up	$3.29B (5.4%) down	$30.10B (4.7%) down	$40.89B (4.7%) down	$239.12B 0.1% flat	$203.30B (0.4%) down	— withheld	$675.69B 16.2% up	— withheld	$3.08B (5.2%) down	$30.10B (4.7%) down	$40.89B (4.7%) down	$239.12B 0.1% flat	$2.17T 5.9% up
Total Loans Sum	$1.73T 4.6% up	$1.59B (9.6%) down	$14.65B (7.8%) down	$21.36B (7.8%) down	$148.90B (0.6%) down	$138.86B (0.6%) down	— withheld	$483.69B 14.7% up	— withheld	$1.50B (9.5%) down	$14.65B (7.8%) down	$21.36B (7.8%) down	$148.90B (0.6%) down	$1.54T 5.5% up
Total Shares and Deposits Sum	$2.12T 5.1% up	$2.65B (5.8%) down	$25.60B (5.4%) down	$35.20B (5.2%) down	$207.52B (0.3%) down	$175.67B (0.5%) down	— withheld	$577.74B 16.5% up	— withheld	$2.49B (5.7%) down	$25.60B (5.4%) down	$35.20B (5.2%) down	$207.52B (0.3%) down	$1.85T 6.1% up
Net Worth Sum	$279.43B 6.7% up	$621.6M (3.4%) down	$4.34B (1.0%) down	$5.47B (2.1%) down	$28.54B 3.0% up	$22.46B 1.4% up	— withheld	$73.46B 20.3% up	— withheld	$578.1M (2.8%) down	$4.34B (1.0%) down	$5.47B (2.1%) down	$28.54B 3.0% up	$240.45B 7.5% up
Other
Average Loan Balance Ratio of sums	19558.6% 85,926‱ up	8909.5% (1,036‱) down	4200.7% 11,186‱ up	7335.2% 28,585‱ up	11410.3% (3,033‱) down	19527.3% 138,454‱ up	— withheld	21189.7% 85,284‱ up	— withheld	9077.1% (3,548‱) down	4200.7% 11,186‱ up	7335.2% 28,585‱ up	11410.3% (3,033‱) down	22427.3% 90,345‱ up
Average Shares Per Member Ratio of sums	14586.8% 48,034‱ up	4961.1% 4,257‱ up	9529.4% 26,706‱ up	11250.5% 34,782‱ up	13276.2% 38,382‱ up	14265.2% 37,797‱ up	— withheld	14056.1% 73,123‱ up	— withheld	5297.8% 4,790‱ up	9529.4% 26,706‱ up	11250.5% 34,782‱ up	13276.2% 38,382‱ up	14988.7% 46,685‱ up
Borrowers / Members Ratio of sums	60.8% (98‱) down	33.4% (106‱) down	129.8% (321‱) down	93.1% (344‱) down	83.5% 242‱ up	57.7% (278‱) down	— withheld	55.5% (16‱) down	— withheld	35.1% (102‱) down	129.8% (321‱) down	93.1% (344‱) down	83.5% 242‱ up	55.7% (88‱) down
Delinquent Loans / Assets Ratio of sums	0.6% 3‱ up	0.8% (1‱) flat	0.5% (3‱) down	0.4% 0‱ flat	0.5% 3‱ up	0.5% 0‱ flat	— withheld	0.8% (1‱) flat	— withheld	0.8% (2‱) flat	0.5% (3‱) down	0.4% 0‱ flat	0.5% 3‱ up	0.6% 3‱ up
Delinquent Loans / Net Worth Ratio of sums	5.2% 20‱ up	4.3% (16‱) down	3.4% (36‱) down	3.2% (5‱) down	4.0% 12‱ up	4.4% (12‱) down	— withheld	7.4% (40‱) down	— withheld	4.0% (23‱) down	3.4% (36‱) down	3.2% (5‱) down	4.0% 12‱ up	5.5% 22‱ up
Fixed Assets & Foreclosed Assets / Total Assets Ratio of sums	1.8% (1‱) flat	0.6% (8‱) down	1.7% 5‱ up	2.3% 12‱ up	2.5% 4‱ up	2.3% (4‱) down	— withheld	1.5% (2‱) flat	— withheld	0.6% (10‱) down	1.7% 5‱ up	2.3% 12‱ up	2.5% 4‱ up	1.7% (1‱) flat
Gross Income / Average Assets Ratio of sums	6.2% 9‱ up	5.4% (12‱) down	5.4% 0‱ flat	5.6% 4‱ up	6.0% 7‱ up	6.1% 11‱ up	— withheld	6.5% 3‱ up	— withheld	5.5% (14‱) down	5.4% 0‱ flat	5.6% 4‱ up	6.0% 7‱ up	6.2% 9‱ up
Members / Full-Time Equivalent Employees Ratio of sums	404.5% (240‱) down	382.6% 4,462‱ up	395.7% (803‱) down	365.8% (604‱) down	323.5% (452‱) down	335.9% (320‱) down	— withheld	517.7% (536‱) down	— withheld	384.2% 4,795‱ up	395.7% (803‱) down	365.8% (604‱) down	323.5% (452‱) down	419.2% (295‱) down
Members / Potential Members Ratio of sums	2.8% (6‱) down	5.0% 353‱ up	2.6% (7‱) down	2.0% (10‱) down	1.7% (16‱) down	1.9% (14‱) down	— withheld	3.6% 17‱ up	— withheld	6.9% 541‱ up	2.6% (7‱) down	2.0% (10‱) down	1.7% (16‱) down	3.0% (5‱) down
Net Margin / Average Assets Ratio of sums	4.5% 22‱ up	4.6% (11‱) down	4.5% 2‱ flat	4.6% 8‱ up	4.7% 17‱ up	4.6% 21‱ up	— withheld	4.6% 19‱ up	— withheld	4.6% (13‱) down	4.5% 2‱ flat	4.6% 8‱ up	4.7% 17‱ up	4.4% 23‱ up
Net Operating Expense / Average Assets Ratio of sums	2.7% 9‱ up	4.0% (6‱) down	3.2% 7‱ up	4.1% 99‱ up	3.2% 11‱ up	3.1% 5‱ up	— withheld	2.6% 6‱ up	— withheld	3.8% (14‱) down	3.2% 7‱ up	4.1% 99‱ up	3.2% 11‱ up	2.7% 7‱ up
Other Non-Performing Assets / Total Assets Ratio of sums	0.0% 0‱ flat	0.0% (1‱) flat	0.0% 0‱ flat	0.1% 0‱ flat	0.1% 1‱ flat	0.0% 0‱ flat	— withheld	0.1% 1‱ flat	— withheld	0.0% (1‱) flat	0.0% 0‱ flat	0.1% 0‱ flat	0.1% 1‱ flat	0.0% 0‱ flat
Regular Shares / Total Shares & Borrowings Ratio of sums	26.9% (45‱) down	74.6% (80‱) down	55.0% (74‱) down	47.2% (59‱) down	36.5% (66‱) down	30.0% (66‱) down	— withheld	22.5% 38‱ up	— withheld	73.9% (58‱) down	55.0% (74‱) down	47.2% (59‱) down	36.5% (66‱) down	25.0% (27‱) down
Salary And Benefits / Full-Time Equivalent Employee Ratio of sums	113112.6% 589,737‱ up	49534.6% 536,844‱ up	75618.4% 299,367‱ up	83343.2% 434,833‱ up	91117.8% 443,333‱ up	102163.0% 443,429‱ up	— withheld	133731.0% 899,517‱ up	— withheld	52859.7% 634,710‱ up	75618.4% 299,367‱ up	83343.2% 434,833‱ up	91117.8% 443,333‱ up	118747.0% 581,999‱ up
Yield on Average Investments Ratio of sums	3.5% 4‱ up	3.0% (10‱) down	3.3% 2‱ flat	3.2% 10‱ up	3.3% 10‱ up	3.4% 5‱ up	— withheld	3.7% (8‱) down	— withheld	3.0% (12‱) down	3.3% 2‱ flat	3.2% 10‱ up	3.3% 10‱ up	3.6% 3‱ up

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

The files for Q1 2026

Accounts curated/accounts/quarter=2026Q1/data.parquet callbase
Account text curated/accounts_text/quarter=2026Q1/data.parquet callbase
Profiles curated/profiles/quarter=2026Q1/data.parquet callbase
Quorum, filer by filer index/quorum/quarter=2026Q1/data.parquet callbase
Peer aggregates releases/v2026.2.27/peer-quarter.parquet callseries

-- One ratio across every group, Q1 2026, 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 = '2026Q1'
  AND measure = 'delinquent_loans_to_total_loans'
ORDER BY peer_group;

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