Quarter · cycle date June 30, 2026

Q2 2026

✓ Quorum reached

Coverage

Filed, of expected

Filings held

Due

Rates at June 30, 2026 3.6% fed funds · 2-year 4.1% · 10-year 4.4%

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 2025 appears below each value.

The change compares Q2 2026’s members with Q2 2025’s, because credit unions are grouped by their assets in each quarter.

Q2 2026: each measure's statistic by peer group, with its change on Q2 2025
Measure	All FICUs 4,215 of 4,250	<$10M 761 of 776	$10M–$50M 1,118 of 1,129	$50M–$100M 560 of 564	$100M–$500M 1,028 of 1,033	$500M–$1B 277 of 277	$1B–$10B 446 of 446	>$10B 25 of 25	NCUA Peer 1: <$2M Withheld · 226 of 234	NCUA Peer 2: $2M–$10M 535 of 542	NCUA Peer 3: $10M–$50M 1,118 of 1,129	NCUA Peer 4: $50M–$100M 560 of 564	NCUA Peer 5: $100M–$500M 1,028 of 1,033	NCUA Peer 6: >$500M 748 of 748
Asset quality
Delinquent Loans / Total Loans Ratio of sums	0.96% 6‱ up	1.84% 1‱ flat	1.11% (2‱) flat	0.98% 6‱ up	0.87% 5‱ up	0.82% 1‱ flat	0.83% 7‱ up	1.27% 2‱ flat	— withheld	1.71% (4‱) down	1.11% (2‱) flat	0.98% 6‱ up	0.87% 5‱ up	0.97% 6‱ up
Net Charge-Offs / Average Loans Ratio of sums	0.79% 0‱ flat	0.60% (6‱) down	0.44% 1‱ flat	0.48% 3‱ up	0.47% 0‱ flat	0.54% (4‱) down	0.62% (1‱) flat	1.30% (4‱) down	— withheld	0.58% (6‱) down	0.44% 1‱ flat	0.48% 3‱ up	0.47% 0‱ flat	0.82% (1‱) flat
Provision for Loan/Lease Losses or Credit Loss Expense / Average Assets Ratio of sums	0.56% (3‱) down	0.30% (42‱) down	0.24% 0‱ flat	0.28% 1‱ flat	0.32% (1‱) flat	0.37% (6‱) down	0.49% 0‱ flat	0.86% (11‱) down	— withheld	0.29% (47‱) down	0.24% 0‱ flat	0.28% 1‱ flat	0.32% (1‱) flat	0.59% (3‱) down
Capital
Net Worth / Total Assets for Prompt Corrective Action Ratio of sums	11.5% 23‱ up	19.4% 85‱ up	14.7% 57‱ up	13.5% 17‱ up	12.2% 36‱ up	11.2% 18‱ up	11.4% 8‱ up	11.1% 55‱ up	— withheld	19.2% 91‱ up	14.7% 57‱ up	13.5% 17‱ up	12.2% 36‱ up	11.3% 22‱ up
Net Worth / Total Assets excluding CECL Transition Provision Ratio of sums	11.4% 31‱ up	19.4% 84‱ up	14.7% 62‱ up	13.5% 21‱ up	12.1% 40‱ up	11.2% 24‱ up	11.3% 15‱ up	11.1% 70‱ up	— withheld	19.2% 90‱ up	14.7% 62‱ up	13.5% 21‱ up	12.1% 40‱ up	11.2% 32‱ up
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL Ratio of sums	12.2% 22‱ up	20.0% 68‱ up	15.1% 58‱ up	13.9% 18‱ up	12.6% 38‱ up	11.8% 16‱ up	12.1% 11‱ up	12.3% 39‱ up	— withheld	19.8% 72‱ up	15.1% 58‱ up	13.9% 18‱ up	12.6% 38‱ up	12.1% 20‱ up
GAAP Equity / Total Assets Ratio of sums	10.5% 50‱ up	19.2% 85‱ up	14.5% 66‱ up	13.1% 32‱ up	11.4% 60‱ up	10.2% 48‱ up	10.4% 31‱ up	10.1% 97‱ up	— withheld	19.1% 91‱ up	14.5% 66‱ up	13.1% 32‱ up	11.4% 60‱ up	10.3% 51‱ up
Liquidity and balance sheet
Cash + Short-Term Investments / Assets Ratio of sums	11.6% (71‱) down	37.5% 268‱ up	27.7% 58‱ up	22.4% (8‱) down	15.7% (82‱) down	11.8% (98‱) down	11.3% (91‱) down	9.4% 13‱ up	— withheld	36.7% 262‱ up	27.7% 58‱ up	22.4% (8‱) down	15.7% (82‱) down	10.7% (65‱) down
Total Loans / Total Shares Ratio of sums	82.9% (24‱) down	60.1% (265‱) down	57.7% (186‱) down	61.5% (159‱) down	72.9% (4‱) down	80.7% 17‱ up	85.2% (18‱) down	85.2% (108‱) down	— withheld	60.5% (264‱) down	57.7% (186‱) down	61.5% (159‱) down	72.9% (4‱) down	84.8% (37‱) down
Total Loans / Total Assets Ratio of sums	70.6% (10‱) down	48.2% (256‱) down	48.9% (189‱) down	52.8% (154‱) down	63.1% (35‱) down	69.6% 15‱ up	72.2% 8‱ up	72.5% (76‱) down	— withheld	48.6% (260‱) down	48.9% (189‱) down	52.8% (154‱) down	63.1% (35‱) down	72.0% (13‱) down
Borrowings / Total Shares & Net Worth Ratio of sums	3.3% (67‱) down	0.1% (5‱) down	0.1% (2‱) flat	0.3% 1‱ flat	1.2% (13‱) down	2.6% (47‱) down	3.9% (63‱) down	3.4% (120‱) down	— withheld	0.1% (4‱) down	0.1% (2‱) flat	0.3% 1‱ flat	1.2% (13‱) down	3.6% (78‱) down
Earnings, annualized
Return on Average Assets (ROAA) Ratio of sums	0.92% 16‱ up	0.36% 31‱ up	0.71% (11‱) down	0.23% (56‱) down	0.80% 5‱ up	0.82% 20‱ up	0.89% 14‱ up	1.09% 29‱ up	— withheld	0.44% 45‱ up	0.71% (11‱) down	0.23% (56‱) down	0.80% 5‱ up	0.95% 19‱ up
Net Interest Margin / Average Assets Ratio of sums	3.5% 19‱ up	4.1% (6‱) down	3.9% 5‱ up	3.8% 8‱ up	3.7% 17‱ up	3.6% 18‱ up	3.3% 19‱ up	3.8% 20‱ up	— withheld	4.1% (6‱) down	3.9% 5‱ up	3.8% 8‱ up	3.7% 17‱ up	3.5% 20‱ up
Yield on Average Loans Ratio of sums	6.1% 12‱ up	7.1% 18‱ up	6.4% 16‱ up	6.3% 11‱ up	6.2% 11‱ up	6.0% 12‱ up	5.9% 9‱ up	6.7% 16‱ up	— withheld	7.1% 19‱ up	6.4% 16‱ up	6.3% 11‱ up	6.2% 11‱ up	6.1% 12‱ up
Cost of Funds / Average Assets Ratio of sums	1.72% (12‱) down	0.86% (3‱) down	0.89% (3‱) down	0.98% (4‱) down	1.26% (9‱) down	1.47% (9‱) down	1.79% (14‱) down	1.89% (16‱) down	— withheld	0.88% (3‱) down	0.89% (3‱) down	0.98% (4‱) down	1.26% (9‱) down	1.79% (14‱) down
Fee & Other Operating Income / Average Assets Ratio of sums	1.04% 1‱ flat	0.47% (6‱) down	0.75% (5‱) down	0.95% (2‱) flat	1.11% (4‱) down	1.18% 0‱ flat	1.08% 1‱ flat	0.91% 3‱ up	— withheld	0.48% (7‱) down	0.75% (5‱) down	0.95% (2‱) flat	1.11% (4‱) down	1.03% 1‱ flat
Non-Interest Expense / Average Assets Ratio of sums	3.2% 8‱ up	4.3% 3‱ up	3.7% 9‱ up	4.3% 62‱ up	3.7% 8‱ up	3.6% 6‱ up	3.1% 9‱ up	2.9% 6‱ up	— withheld	4.2% (2‱) flat	3.7% 9‱ up	4.3% 62‱ up	3.7% 8‱ up	3.1% 7‱ up
Non-Interest Expense / Gross Income Ratio of sums	50.7% 68‱ up	78.5% 256‱ up	68.0% 189‱ up	75.2% 1,069‱ up	61.8% 98‱ up	58.7% 29‱ up	50.2% 104‱ up	43.6% 39‱ up	— withheld	76.5% 168‱ up	68.0% 189‱ up	75.2% 1,069‱ up	61.8% 98‱ up	48.8% 59‱ up
Growth, annualized year to date
Asset Growth (Annualized) Ratio of sums	7.9% 126‱ up	1.2% (71‱) down	3.3% (104‱) down	3.5% (180‱) down	5.0% (119‱) down	5.1% (90‱) down	5.9% (18‱) down	14.3% 572‱ up	— withheld	1.4% (60‱) down	3.3% (104‱) down	3.5% (180‱) down	5.0% (119‱) down	8.4% 161‱ up
Loan Growth (Annualized) Ratio of sums	7.5% 273‱ up	(6.2%) (272‱) down	(2.0%) (49‱) down	0.3% (33‱) down	3.7% 35‱ up	5.4% 65‱ up	6.0% 103‱ up	12.9% 748‱ up	— withheld	(5.8%) (276‱) down	(2.0%) (49‱) down	0.3% (33‱) down	3.7% 35‱ up	8.1% 302‱ up
Share Growth (Annualized) Ratio of sums	8.1% 117‱ up	1.2% (95‱) down	3.2% (74‱) down	3.7% (128‱) down	4.8% (137‱) down	5.3% (92‱) down	6.1% (26‱) down	14.3% 558‱ up	— withheld	1.3% (104‱) down	3.2% (74‱) down	3.7% (128‱) down	4.8% (137‱) down	8.6% 153‱ up
Net Worth Growth (Annualized) Ratio of sums	10.6% 348‱ up	1.7% 178‱ up	5.0% (107‱) down	1.8% (483‱) down	7.0% (5‱) down	7.5% 153‱ up	8.5% 121‱ up	18.2% 1,091‱ up	— withheld	2.1% 250‱ up	5.0% (107‱) down	1.8% (483‱) down	7.0% (5‱) down	11.4% 419‱ up
Membership Growth (Annualized) Ratio of sums	3.94% 137‱ up	(1.71%) (44‱) down	(1.53%) (48‱) down	(0.47%) 9‱ up	0.96% 64‱ up	1.73% (52‱) down	2.53% 27‱ up	8.97% 415‱ up	— withheld	(1.49%) (60‱) down	(1.53%) (48‱) down	(0.47%) 9‱ up	0.96% 64‱ up	4.58% 151‱ up
Totals, summed
Total Assets Sum	$2.50T 5.0% up	$3.21B (7.1%) down	$29.86B (4.6%) down	$40.79B (3.9%) down	$238.76B (0.1%) flat	$199.29B (2.0%) down	$1.30T 3.5% up	$691.38B 13.8% up	— withheld	$3.00B (7.1%) down	$29.86B (4.6%) down	$40.79B (3.9%) down	$238.76B (0.1%) flat	$2.19T 6.0% up
Total Loans Sum	$1.76T 4.9% up	$1.55B (11.8%) down	$14.61B (8.2%) down	$21.54B (6.6%) down	$150.58B (0.6%) down	$138.73B (1.8%) down	$935.26B 3.6% up	$501.21B 12.6% up	— withheld	$1.46B (11.8%) down	$14.61B (8.2%) down	$21.54B (6.6%) down	$150.58B (0.6%) down	$1.58T 5.8% up
Total Shares and Deposits Sum	$2.13T 5.2% up	$2.57B (7.9%) down	$25.33B (5.2%) down	$35.04B (4.2%) down	$206.57B (0.6%) down	$171.80B (2.0%) down	$1.10T 3.8% up	$588.60B 14.1% up	— withheld	$2.41B (7.9%) down	$25.33B (5.2%) down	$35.04B (4.2%) down	$206.57B (0.6%) down	$1.86T 6.3% up
Net Worth Sum	$285.45B 7.1% up	$622.4M (3.0%) down	$4.38B (0.7%) down	$5.50B (2.7%) down	$29.00B 3.0% up	$22.30B (0.5%) down	$147.09B 4.2% up	$76.56B 19.3% up	— withheld	$577.2M (2.6%) down	$4.38B (0.7%) down	$5.50B (2.7%) down	$29.00B 3.0% up	$245.95B 8.0% up
Other
Average Loan Balance Ratio of sums	19880.4% 95,193‱ up	8933.2% (17,374‱) down	4307.1% 14,659‱ up	7432.5% 39,480‱ up	11596.5% (502‱) down	19829.6% 119,263‱ up	24062.6% 112,141‱ up	21426.6% 76,163‱ up	— withheld	9098.7% (20,524‱) down	4307.1% 14,659‱ up	7432.5% 39,480‱ up	11596.5% (502‱) down	22744.6% 99,613‱ up
Average Shares Per Member Ratio of sums	14548.2% 48,431‱ up	4891.8% (802‱) down	9518.0% 29,368‱ up	11254.8% 30,399‱ up	13243.7% 38,056‱ up	14170.3% 38,513‱ up	15587.2% 42,242‱ up	14082.0% 64,617‱ up	— withheld	5202.8% (2,483‱) down	9518.0% 29,368‱ up	11254.8% 30,399‱ up	13243.7% 38,056‱ up	14942.9% 47,306‱ up
Borrowers / Members Ratio of sums	60.7% (111‱) down	32.9% (85‱) down	127.5% (455‱) down	93.1% (504‱) down	83.3% 238‱ up	57.7% (190‱) down	55.2% (125‱) down	56.0% (10‱) down	— withheld	34.6% (88‱) down	127.5% (455‱) down	93.1% (504‱) down	83.3% 238‱ up	55.7% (96‱) down
Delinquent Loans / Assets Ratio of sums	0.7% 4‱ up	0.9% (4‱) down	0.5% (3‱) down	0.5% 2‱ flat	0.6% 3‱ up	0.6% 1‱ flat	0.6% 5‱ up	0.9% 0‱ flat	— withheld	0.8% (7‱) down	0.5% (3‱) down	0.5% 2‱ flat	0.6% 3‱ up	0.7% 4‱ up
Delinquent Loans / Net Worth Ratio of sums	5.9% 23‱ up	4.6% (43‱) down	3.7% (39‱) down	3.8% 9‱ up	4.5% 11‱ up	5.1% (2‱) flat	5.3% 42‱ up	8.3% (37‱) down	— withheld	4.3% (57‱) down	3.7% (39‱) down	3.8% 9‱ up	4.5% 11‱ up	6.2% 25‱ up
Fixed Assets & Foreclosed Assets / Total Assets Ratio of sums	1.8% 0‱ flat	0.6% (4‱) down	1.7% 0‱ flat	2.4% 9‱ up	2.5% 5‱ up	2.4% 0‱ flat	1.8% 2‱ flat	1.5% (3‱) down	— withheld	0.6% (4‱) down	1.7% 0‱ flat	2.4% 9‱ up	2.5% 5‱ up	1.7% 0‱ flat
Gross Income / Average Assets Ratio of sums	6.3% 7‱ up	5.5% (15‱) down	5.5% (3‱) down	5.7% 2‱ flat	6.1% 4‱ up	6.2% 9‱ up	6.2% 6‱ up	6.6% 7‱ up	— withheld	5.5% (15‱) down	5.5% (3‱) down	5.7% 2‱ flat	6.1% 4‱ up	6.3% 8‱ up
Members / Full-Time Equivalent Employees Ratio of sums	404.0% (201‱) down	383.0% 3,033‱ up	391.0% (882‱) down	363.3% (468‱) down	322.6% (388‱) down	337.0% (275‱) down	391.0% (677‱) down	516.9% (128‱) down	— withheld	384.9% 3,318‱ up	391.0% (882‱) down	363.3% (468‱) down	322.6% (388‱) down	418.8% (257‱) down
Members / Potential Members Ratio of sums	2.8% (7‱) down	5.1% 79‱ up	2.6% (3‱) down	1.8% (19‱) down	1.7% (18‱) down	1.9% (8‱) down	3.0% (14‱) down	3.6% 14‱ up	— withheld	6.5% 153‱ up	2.6% (3‱) down	1.8% (19‱) down	1.7% (18‱) down	3.0% (4‱) down
Net Margin / Average Assets Ratio of sums	4.5% 20‱ up	4.6% (12‱) down	4.6% 0‱ flat	4.7% 6‱ up	4.8% 13‱ up	4.7% 18‱ up	4.4% 20‱ up	4.7% 23‱ up	— withheld	4.6% (13‱) down	4.6% 0‱ flat	4.7% 6‱ up	4.8% 13‱ up	4.5% 21‱ up
Net Operating Expense / Average Assets Ratio of sums	2.8% 7‱ up	3.9% 3‱ up	3.3% 10‱ up	3.7% 62‱ up	3.2% 9‱ up	3.1% 6‱ up	2.7% 8‱ up	2.6% 5‱ up	— withheld	3.8% (2‱) flat	3.3% 10‱ up	3.7% 62‱ up	3.2% 9‱ up	2.7% 6‱ 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	0.0% 0‱ flat	0.0% 0‱ flat	0.0% 0‱ flat	0.1% 1‱ flat	— withheld	0.0% (1‱) flat	0.0% 0‱ flat	0.1% 0‱ flat	0.0% 0‱ flat	0.0% 0‱ flat
Regular Shares / Total Shares & Borrowings Ratio of sums	26.7% (47‱) down	74.9% (41‱) down	55.0% (65‱) down	46.9% (71‱) down	36.4% (54‱) down	29.6% (85‱) down	25.5% (6‱) down	22.2% (26‱) down	— withheld	74.0% (40‱) down	55.0% (65‱) down	46.9% (71‱) down	36.4% (54‱) down	24.8% (30‱) down
Salary And Benefits / Full-Time Equivalent Employee Ratio of sums	113595.7% 599,530‱ up	49856.9% 394,802‱ up	75761.4% 309,754‱ up	83634.8% 454,944‱ up	91151.7% 435,304‱ up	102879.0% 517,132‱ up	115846.0% 441,797‱ up	134215.7% 852,284‱ up	— withheld	53070.9% 453,645‱ up	75761.4% 309,754‱ up	83634.8% 454,944‱ up	91151.7% 435,304‱ up	119278.1% 595,473‱ up
Yield on Average Investments Ratio of sums	3.7% 0‱ flat	3.0% (16‱) down	3.4% 0‱ flat	3.4% 9‱ up	3.5% 10‱ up	3.6% 8‱ up	3.8% 2‱ flat	3.9% (14‱) down	— withheld	3.1% (16‱) down	3.4% 0‱ flat	3.4% 9‱ up	3.5% 10‱ up	3.8% (1‱) flat

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

The files for Q2 2026

Accounts curated/accounts/quarter=2026Q2/data.parquet callbase
Account text curated/accounts_text/quarter=2026Q2/data.parquet callbase
Profiles curated/profiles/quarter=2026Q2/data.parquet callbase
Quorum, filer by filer index/quorum/quarter=2026Q2/data.parquet callbase
Peer aggregates releases/v2026.2.27/peer-quarter.parquet callseries

-- One ratio across every group, Q2 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 = '2026Q2'
  AND measure = 'delinquent_loans_to_total_loans'
ORDER BY peer_group;

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