Quarter · cycle date September 30, 2026

Q3 2026

✓ Quorum reached Preliminary

Coverage

Filed, of expected

Filings held

Due

Rates at September 30, 2026 3.9% fed funds · 2-year 4.9% · 10-year 5.3%

Source: callbase manifest, policy floor/1 · rates as release v2026.3.2 records them

The quarter by peer group

Each section names its statistic, or each row where a section mixes them: the ratio of sums where the release carries one, the median otherwise. The change from Q3 2025 appears below each value.

The change compares Q3 2026’s members with Q3 2025’s, because credit unions are grouped by their assets in each quarter.

Q3 2026 (preliminary): each measure's statistic by peer group, with its change on Q3 2025
Measure	All FICUs 4,168 of 4,215	<$10M Withheld · 746 of 764	$10M–$50M 1,100 of 1,116	$50M–$100M 557 of 561	$100M–$500M 1,015 of 1,021	$500M–$1B 279 of 281	$1B–$10B 445 of 446	>$10B 26 of 26	NCUA Peer 1: <$2M Withheld · 220 of 226	NCUA Peer 2: $2M–$10M Withheld · 526 of 538	NCUA Peer 3: $10M–$50M 1,100 of 1,116	NCUA Peer 4: $50M–$100M 557 of 561	NCUA Peer 5: $100M–$500M 1,015 of 1,021	NCUA Peer 6: >$500M 750 of 753
Asset quality · Ratio of sums
Delinquent Loans / Total Loans	1.00%ᵖ +6 bp	— withheld	1.13%ᵖ +3 bp	0.99%ᵖ +5 bp	0.87%ᵖ +2 bp	0.82%ᵖ −2 bp	0.87%ᵖ +9 bp	1.33%ᵖ −3 bp	— withheld	— withheld	1.13%ᵖ +3 bp	0.99%ᵖ +5 bp	0.87%ᵖ +2 bp	1.01%ᵖ +6 bp
Net Charge-Offs / Average Loans	0.77%ᵖ 0 bp	— withheld	0.44%ᵖ −1 bp	0.48%ᵖ +2 bp	0.47%ᵖ −1 bp	0.53%ᵖ −4 bp	0.61%ᵖ 0 bp	1.24%ᵖ −6 bp	— withheld	— withheld	0.44%ᵖ −1 bp	0.48%ᵖ +2 bp	0.47%ᵖ −1 bp	0.81%ᵖ 0 bp
Provision for Loan/Lease Losses or Credit Loss Expense / Average Assets	0.60%ᵖ +1 bp	— withheld	0.25%ᵖ 0 bp	0.29%ᵖ +1 bp	0.32%ᵖ −3 bp	0.38%ᵖ −5 bp	0.49%ᵖ 0 bp	0.99%ᵖ 0 bp	— withheld	— withheld	0.25%ᵖ 0 bp	0.29%ᵖ +1 bp	0.32%ᵖ −3 bp	0.64%ᵖ +1 bp
Capital · Ratio of sums
Net Worth / Total Assets for Prompt Corrective Action	11.6%ᵖ +22 bp	— withheld	15.0%ᵖ +58 bp	13.9%ᵖ +33 bp	12.4%ᵖ +41 bp	11.3%ᵖ +13 bp	11.5%ᵖ +10 bp	11.2%ᵖ +50 bp	— withheld	— withheld	15.0%ᵖ +58 bp	13.9%ᵖ +33 bp	12.4%ᵖ +41 bp	11.4%ᵖ +21 bp
Net Worth / Total Assets excluding CECL Transition Provision	11.6%ᵖ +31 bp	— withheld	15.0%ᵖ +62 bp	13.9%ᵖ +36 bp	12.4%ᵖ +46 bp	11.3%ᵖ +20 bp	11.5%ᵖ +18 bp	11.2%ᵖ +65 bp	— withheld	— withheld	15.0%ᵖ +62 bp	13.9%ᵖ +36 bp	12.4%ᵖ +46 bp	11.4%ᵖ +31 bp
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL	12.4%ᵖ +23 bp	— withheld	15.4%ᵖ +59 bp	14.3%ᵖ +34 bp	12.9%ᵖ +42 bp	11.9%ᵖ +12 bp	12.2%ᵖ +14 bp	12.4%ᵖ +39 bp	— withheld	— withheld	15.4%ᵖ +59 bp	14.3%ᵖ +34 bp	12.9%ᵖ +42 bp	12.3%ᵖ +22 bp
GAAP Equity / Total Assets	10.3%ᵖ +9 bp	— withheld	14.7%ᵖ +59 bp	13.4%ᵖ +28 bp	11.4%ᵖ +31 bp	10.1%ᵖ −3 bp	10.2%ᵖ −9 bp	9.9%ᵖ +50 bp	— withheld	— withheld	14.7%ᵖ +59 bp	13.4%ᵖ +28 bp	11.4%ᵖ +31 bp	10.1%ᵖ +8 bp
Liquidity and balance sheet · Ratio of sums
Cash + Short-Term Investments / Assets	10.7%ᵖ −119 bp	— withheld	26.4%ᵖ −31 bp	21.1%ᵖ −103 bp	14.4%ᵖ −150 bp	10.7%ᵖ −145 bp	10.3%ᵖ −133 bp	8.8%ᵖ −31 bp	— withheld	— withheld	26.4%ᵖ −31 bp	21.1%ᵖ −103 bp	14.4%ᵖ −150 bp	9.9%ᵖ −109 bp
Total Loans / Total Shares	84.3%ᵖ +57 bp	— withheld	58.3%ᵖ −159 bp	62.7%ᵖ −58 bp	74.3%ᵖ +45 bp	82.5%ᵖ +90 bp	86.6%ᵖ +52 bp	86.5%ᵖ +14 bp	— withheld	— withheld	58.3%ᵖ −159 bp	62.7%ᵖ −58 bp	74.3%ᵖ +45 bp	86.2%ᵖ +46 bp
Total Loans / Total Assets	71.7%ᵖ +65 bp	— withheld	49.3%ᵖ −167 bp	53.7%ᵖ −64 bp	64.2%ᵖ +24 bp	71.0%ᵖ +86 bp	73.2%ᵖ +79 bp	73.6%ᵖ +16 bp	— withheld	— withheld	49.3%ᵖ −167 bp	53.7%ᵖ −64 bp	64.2%ᵖ +24 bp	73.1%ᵖ +63 bp
Borrowings / Total Shares & Net Worth	3.5%ᵖ −36 bp	— withheld	0.2%ᵖ +2 bp	0.3%ᵖ −4 bp	1.3%ᵖ −10 bp	2.8%ᵖ −8 bp	4.1%ᵖ −40 bp	3.6%ᵖ −59 bp	— withheld	— withheld	0.2%ᵖ +2 bp	0.3%ᵖ −4 bp	1.3%ᵖ −10 bp	3.8%ᵖ −43 bp
Earnings, annualized · Ratio of sums
Return on Average Assets (ROAA)	0.88%ᵖ +7 bp	— withheld	0.75%ᵖ −13 bp	0.74%ᵖ −11 bp	0.82%ᵖ +4 bp	0.80%ᵖ +11 bp	0.90%ᵖ +8 bp	0.92%ᵖ +6 bp	— withheld	— withheld	0.75%ᵖ −13 bp	0.74%ᵖ −11 bp	0.82%ᵖ +4 bp	0.89%ᵖ +8 bp
Net Interest Margin / Average Assets	3.6%ᵖ +17 bp	— withheld	3.9%ᵖ +3 bp	3.8%ᵖ +7 bp	3.7%ᵖ +14 bp	3.6%ᵖ +15 bp	3.3%ᵖ +16 bp	3.8%ᵖ +17 bp	— withheld	— withheld	3.9%ᵖ +3 bp	3.8%ᵖ +7 bp	3.7%ᵖ +14 bp	3.5%ᵖ +18 bp
Yield on Average Loans	6.2%ᵖ +8 bp	— withheld	6.5%ᵖ +10 bp	6.3%ᵖ +5 bp	6.2%ᵖ +6 bp	6.0%ᵖ +9 bp	5.9%ᵖ +6 bp	6.7%ᵖ +9 bp	— withheld	— withheld	6.5%ᵖ +10 bp	6.3%ᵖ +5 bp	6.2%ᵖ +6 bp	6.2%ᵖ +9 bp
Cost of Funds / Average Assets	1.73%ᵖ −11 bp	— withheld	0.90%ᵖ −2 bp	0.98%ᵖ −3 bp	1.27%ᵖ −9 bp	1.50%ᵖ −7 bp	1.82%ᵖ −11 bp	1.89%ᵖ −16 bp	— withheld	— withheld	0.90%ᵖ −2 bp	0.98%ᵖ −3 bp	1.27%ᵖ −9 bp	1.81%ᵖ −12 bp
Fee & Other Operating Income / Average Assets	1.04%ᵖ 0 bp	— withheld	0.75%ᵖ −7 bp	0.96%ᵖ −3 bp	1.12%ᵖ −4 bp	1.20%ᵖ 0 bp	1.09%ᵖ +1 bp	0.90%ᵖ +1 bp	— withheld	— withheld	0.75%ᵖ −7 bp	0.96%ᵖ −3 bp	1.12%ᵖ −4 bp	1.04%ᵖ 0 bp
Non-Interest Expense / Average Assets	3.2%ᵖ +8 bp	— withheld	3.7%ᵖ +4 bp	3.8%ᵖ +13 bp	3.8%ᵖ +8 bp	3.7%ᵖ +8 bp	3.1%ᵖ +10 bp	2.9%ᵖ +8 bp	— withheld	— withheld	3.7%ᵖ +4 bp	3.8%ᵖ +13 bp	3.8%ᵖ +8 bp	3.1%ᵖ +8 bp
Non-Interest Expense / Gross Income	50.5%ᵖ +82 bp	— withheld	67.0%ᵖ +150 bp	66.2%ᵖ +218 bp	61.7%ᵖ +114 bp	58.7%ᵖ +68 bp	50.1%ᵖ +117 bp	43.9%ᵖ +108 bp	— withheld	— withheld	67.0%ᵖ +150 bp	66.2%ᵖ +218 bp	61.7%ᵖ +114 bp	48.9%ᵖ +90 bp
Growth, annualized year to date · Ratio of sums
Asset Growth (Annualized)	6.2%ᵖ +41 bp	— withheld	1.6%ᵖ −80 bp	2.3%ᵖ −127 bp	3.6%ᵖ −113 bp	4.1%ᵖ −58 bp	5.1%ᵖ −64 bp	10.3%ᵖ +319 bp	— withheld	— withheld	1.6%ᵖ −80 bp	2.3%ᵖ −127 bp	3.6%ᵖ −113 bp	6.6%ᵖ +61 bp
Loan Growth (Annualized)	8.1%ᵖ +289 bp	— withheld	(0.7%)ᵖ +22 bp	1.9%ᵖ +85 bp	5.3%ᵖ +132 bp	6.5%ᵖ +180 bp	7.2%ᵖ +178 bp	11.5%ᵖ +583 bp	— withheld	— withheld	(0.7%)ᵖ +22 bp	1.9%ᵖ +85 bp	5.3%ᵖ +132 bp	8.5%ᵖ +308 bp
Share Growth (Annualized)	6.1%ᵖ +49 bp	— withheld	1.0%ᵖ −60 bp	1.9%ᵖ −86 bp	3.2%ᵖ −90 bp	4.0%ᵖ −46 bp	5.1%ᵖ −39 bp	10.2%ᵖ +281 bp	— withheld	— withheld	1.0%ᵖ −60 bp	1.9%ᵖ −86 bp	3.2%ᵖ −90 bp	6.6%ᵖ +67 bp
Net Worth Growth (Annualized)	9.6%ᵖ +188 bp	— withheld	5.3%ᵖ −115 bp	5.5%ᵖ −154 bp	7.1%ᵖ −12 bp	7.4%ᵖ +96 bp	8.4%ᵖ +43 bp	14.2%ᵖ +618 bp	— withheld	— withheld	5.3%ᵖ −115 bp	5.5%ᵖ −154 bp	7.1%ᵖ −12 bp	10.1%ᵖ +225 bp
Membership Growth (Annualized)	4.03%ᵖ +113 bp	— withheld	7.99%ᵖ +915 bp	(0.63%)ᵖ +35 bp	0.98%ᵖ +33 bp	1.91%ᵖ −13 bp	3.05%ᵖ +10 bp	7.63%ᵖ +285 bp	— withheld	— withheld	7.99%ᵖ +915 bp	(0.63%)ᵖ +35 bp	0.98%ᵖ +33 bp	4.47%ᵖ +104 bp
Totals, summed · Sum
Total Assets	$2.51Tᵖ +4.7%	— withheld	$29.32Bᵖ −4.7%	$40.64Bᵖ −3.0%	$235.25Bᵖ −2.1%	$201.04Bᵖ +1.3%	$1.30Tᵖ +1.2%	$705.35Bᵖ +17.0%	— withheld	— withheld	$29.32Bᵖ −4.7%	$40.64Bᵖ −3.0%	$235.25Bᵖ −2.1%	$2.20Tᵖ +5.8%
Total Loans	$1.80Tᵖ +5.6%	— withheld	$14.45Bᵖ −7.8%	$21.84Bᵖ −4.1%	$150.97Bᵖ −1.7%	$142.75Bᵖ +2.6%	$947.99Bᵖ +2.3%	$519.18Bᵖ +17.2%	— withheld	— withheld	$14.45Bᵖ −7.8%	$21.84Bᵖ −4.1%	$150.97Bᵖ −1.7%	$1.61Tᵖ +6.7%
Total Shares and Deposits	$2.13Tᵖ +4.9%	— withheld	$24.78Bᵖ −5.3%	$34.80Bᵖ −3.2%	$203.16Bᵖ −2.3%	$173.04Bᵖ +1.4%	$1.10Tᵖ +1.7%	$600.33Bᵖ +17.0%	— withheld	— withheld	$24.78Bᵖ −5.3%	$34.80Bᵖ −3.2%	$203.16Bᵖ −2.3%	$1.87Tᵖ +6.1%
Net Worth	$290.09Bᵖ +6.7%	— withheld	$4.39Bᵖ −0.8%	$5.66Bᵖ −0.7%	$29.12Bᵖ +1.3%	$22.72Bᵖ +2.5%	$148.83Bᵖ +2.1%	$78.74Bᵖ +22.1%	— withheld	— withheld	$4.39Bᵖ −0.8%	$5.66Bᵖ −0.7%	$29.12Bᵖ +1.3%	$250.30Bᵖ +7.7%
Other · Ratio of sums
Average Loan Balance	$20,244ᵖ +5.8%	— withheld	$4,341ᵖ +4.6%	$7,564ᵖ +8.1%	$11,717ᵖ +0.3%	$20,128ᵖ +7.2%	$24,613ᵖ +5.9%	$21,655ᵖ +4.3%	— withheld	— withheld	$4,341ᵖ +4.6%	$7,564ᵖ +8.1%	$11,717ᵖ +0.3%	$23,137ᵖ +5.2%
Average Shares Per Member	$14,479ᵖ +3.1%	— withheld	$8,866ᵖ −3.7%	$11,226ᵖ +2.4%	$13,234ᵖ +3.3%	$14,026ᵖ +1.7%	$15,551ᵖ +2.8%	$14,009ᵖ +4.5%	— withheld	— withheld	$8,866ᵖ −3.7%	$11,226ᵖ +2.4%	$13,234ᵖ +3.3%	$14,875ᵖ +2.9%
Borrowers / Members	60.3%ᵖ −119 bp	— withheld	119.2%ᵖ −1,379 bp	93.1%ᵖ −607 bp	83.9%ᵖ +290 bp	57.5%ᵖ −242 bp	54.7%ᵖ −132 bp	55.9%ᵖ +20 bp	— withheld	— withheld	119.2%ᵖ −1,379 bp	93.1%ᵖ −607 bp	83.9%ᵖ +290 bp	55.4%ᵖ −93 bp
Delinquent Loans / Assets	0.7%ᵖ +5 bp	— withheld	0.6%ᵖ 0 bp	0.5%ᵖ +2 bp	0.6%ᵖ +2 bp	0.6%ᵖ −1 bp	0.6%ᵖ +7 bp	1.0%ᵖ −2 bp	— withheld	— withheld	0.6%ᵖ 0 bp	0.5%ᵖ +2 bp	0.6%ᵖ +2 bp	0.7%ᵖ +5 bp
Delinquent Loans / Net Worth	6.2%ᵖ +29 bp	— withheld	3.7%ᵖ −17 bp	3.8%ᵖ +6 bp	4.5%ᵖ −2 bp	5.1%ᵖ −11 bp	5.5%ᵖ +58 bp	8.8%ᵖ −55 bp	— withheld	— withheld	3.7%ᵖ −17 bp	3.8%ᵖ +6 bp	4.5%ᵖ −2 bp	6.5%ᵖ +32 bp
Fixed Assets & Foreclosed Assets / Total Assets	1.8%ᵖ +1 bp	— withheld	1.7%ᵖ +1 bp	2.4%ᵖ +13 bp	2.5%ᵖ +7 bp	2.4%ᵖ +3 bp	1.8%ᵖ +1 bp	1.6%ᵖ +2 bp	— withheld	— withheld	1.7%ᵖ +1 bp	2.4%ᵖ +13 bp	2.5%ᵖ +7 bp	1.8%ᵖ +1 bp
Gross Income / Average Assets	6.3%ᵖ +6 bp	— withheld	5.6%ᵖ −7 bp	5.7%ᵖ +1 bp	6.1%ᵖ +2 bp	6.3%ᵖ +7 bp	6.2%ᵖ +6 bp	6.6%ᵖ +2 bp	— withheld	— withheld	5.6%ᵖ −7 bp	5.7%ᵖ +1 bp	6.1%ᵖ +2 bp	6.4%ᵖ +6 bp
Members / Full-Time Equivalent Employees	407.3ᵖ +0.1%	— withheld	415.9ᵖ +4.3%	362.8ᵖ −0.8%	322.6ᵖ −1.0%	339.9ᵖ 0.0%	393.3ᵖ −1.3%	521.2ᵖ −0.6%	— withheld	— withheld	415.9ᵖ +4.3%	362.8ᵖ −0.8%	322.6ᵖ −1.0%	422.1ᵖ −0.2%
Members / Potential Members	2.6%ᵖ −16 bp	— withheld	2.3%ᵖ +36 bp	1.8%ᵖ −13 bp	1.7%ᵖ −11 bp	1.9%ᵖ 0 bp	2.7%ᵖ −48 bp	3.6%ᵖ +17 bp	— withheld	— withheld	2.3%ᵖ +36 bp	1.8%ᵖ −13 bp	1.7%ᵖ −11 bp	2.8%ᵖ −22 bp
Net Margin / Average Assets	4.6%ᵖ +17 bp	— withheld	4.7%ᵖ −5 bp	4.8%ᵖ +4 bp	4.9%ᵖ +10 bp	4.8%ᵖ +14 bp	4.4%ᵖ +18 bp	4.7%ᵖ +18 bp	— withheld	— withheld	4.7%ᵖ −5 bp	4.8%ᵖ +4 bp	4.9%ᵖ +10 bp	4.6%ᵖ +18 bp
Net Operating Expense / Average Assets	2.8%ᵖ +7 bp	— withheld	3.2%ᵖ +6 bp	3.2%ᵖ +14 bp	3.2%ᵖ +9 bp	3.1%ᵖ +7 bp	2.7%ᵖ +8 bp	2.6%ᵖ +7 bp	— withheld	— withheld	3.2%ᵖ +6 bp	3.2%ᵖ +14 bp	3.2%ᵖ +9 bp	2.7%ᵖ +7 bp
Other Non-Performing Assets / Total Assets	0.0%ᵖ 0 bp	— withheld	0.0%ᵖ 0 bp	0.0%ᵖ −1 bp	0.0%ᵖ 0 bp	0.0%ᵖ 0 bp	0.0%ᵖ 0 bp	0.1%ᵖ +1 bp	— withheld	— withheld	0.0%ᵖ 0 bp	0.0%ᵖ −1 bp	0.0%ᵖ 0 bp	0.0%ᵖ 0 bp
Regular Shares / Total Shares & Borrowings	26.4%ᵖ −35 bp	— withheld	54.8%ᵖ −69 bp	46.5%ᵖ −55 bp	36.0%ᵖ −49 bp	29.2%ᵖ −66 bp	25.3%ᵖ +11 bp	21.8%ᵖ −17 bp	— withheld	— withheld	54.8%ᵖ −69 bp	46.5%ᵖ −55 bp	36.0%ᵖ −49 bp	24.5%ᵖ −16 bp
Salary And Benefits / Full-Time Equivalent Employee	$114,350ᵖ +5.9%	— withheld	$75,619ᵖ +3.6%	$84,201ᵖ +6.4%	$91,793ᵖ +5.4%	$103,214ᵖ +4.9%	$116,486ᵖ +4.5%	$135,015ᵖ +6.6%	— withheld	— withheld	$75,619ᵖ +3.6%	$84,201ᵖ +6.4%	$91,793ᵖ +5.4%	$119,987ᵖ +5.5%
Yield on Average Investments	3.9%ᵖ +6 bp	— withheld	3.5%ᵖ +3 bp	3.5%ᵖ +10 bp	3.6%ᵖ +13 bp	3.7%ᵖ +8 bp	3.9%ᵖ +9 bp	4.0%ᵖ −9 bp	— withheld	— withheld	3.5%ᵖ +3 bp	3.5%ᵖ +10 bp	3.6%ᵖ +13 bp	3.9%ᵖ +5 bp

Changes: bp for a percentage; percent of itself for a sum or a ratio not in percent bp 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 v2026.3.2 was cut; Coverage counts callbase’s filings today.

Q3 2026 is preliminary.

Source: NCUA Call Report data, Q3 2025 and Q3 2026 · callseries release v2026.3.2, cut Nov 2, 2026 · peer groups peer-groups.yaml@74abeac

The files for Q3 2026

Accounts curated/accounts/quarter=2026Q3/data.parquet callbase
Account text curated/accounts_text/quarter=2026Q3/data.parquet callbase
Profiles curated/profiles/quarter=2026Q3/data.parquet callbase
Quorum, filer by filer index/quorum/quarter=2026Q3/data.parquet callbase
Peer aggregates releases/v2026.3.2/peer-quarter.parquet callseries

-- One ratio across every group, Q3 2026, with its quorum
SELECT peer_group, ratio_of_sums, median,
       n, expected_n, quorum_status
FROM read_parquet(
  'https://series.quartercall.com/releases/v2026.3.2/peer-quarter.parquet'
)
WHERE quarter = '2026Q3'
  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.