Ratios

A ratio divides one measure by another, or reads a result NCUA computes. These are the 38 ratios of release v2026.2.27, each with its definition. For 38 of them the release also publishes free figures for peer groups, and each ratio's page names the statistic it shows.

The measures they are built from are defined in Measures.

Capital adequacy

Ratio	Code	Peer figures
GAAP Equity / Total Assets	`gaap_equity_to_total_assets`	Yes
Net Worth / Total Assets for Prompt Corrective Action	`net_worth_to_total_assets_pca`	Yes
Net Worth / Total Assets excluding CECL Transition Provision	`net_worth_to_total_assets_simplified`	Yes
Net Worth + ALLL or ACL / Total Assets + ALLL or ACL	`net_worth_plus_alll_acl_to_total_assets_plus_alll_acl`	Yes

Management

Ratio	Code	Peer figures
Net Worth Growth (Annualized)	`net_worth_growth`	Yes
Asset Growth (Annualized)	`asset_growth`	Yes
Loan Growth (Annualized)	`loan_growth`	Yes
Share Growth (Annualized)	`share_growth`	Yes
Membership Growth (Annualized)	`membership_growth`	Yes

Earnings

Ratio	Code	Peer figures
Return on Average Assets (ROAA)	`roaa`	Yes
Non-Interest Expense / Average Assets	`non_int_expense_to_avg_assets`	Yes
Provision for Loan/Lease Losses or Credit Loss Expense / Average Assets	`plll_to_avg_assets`	Yes
Net Charge-Offs / Average Loans	`net_chargeoffs_to_avg_loans`	Yes
Gross Income / Average Assets	`gross_income_to_avg_assets`	Yes
Yield on Average Loans	`yield_on_avg_loans`	Yes
Yield on Average Investments	`yield_on_avg_investments`	Yes
Fee & Other Operating Income / Average Assets	`fee_income_to_avg_assets`	Yes
Cost of Funds / Average Assets	`cost_of_funds_to_avg_assets`	Yes
Net Margin / Average Assets	`net_margin_to_avg_assets`	Yes
Net Interest Margin / Average Assets	`net_interest_margin_to_avg_assets`	Yes
Non-Interest Expense / Gross Income	`non_int_expense_to_gross_income`	Yes
Net Operating Expense / Average Assets	`net_operating_exp_to_avg_assets`	Yes

Asset quality

Ratio	Code	Peer figures
Delinquent Loans / Total Loans	`delinquent_loans_to_total_loans`	Yes
Delinquent Loans / Net Worth	`delinquent_loans_to_net_worth`	Yes
Delinquent Loans / Assets	`delinquent_loans_to_assets`	Yes
Other Non-Performing Assets / Total Assets	`other_npa_to_total_assets`	Yes

Liquidity

Ratio	Code	Peer figures
Total Loans / Total Assets	`total_loans_to_total_assets`	Yes
Cash + Short-Term Investments / Assets	`cash_st_investments_to_assets`	Yes

Asset liability mgmt

Ratio	Code	Peer figures
Fixed Assets & Foreclosed Assets / Total Assets	`fixed_assets_to_total_assets`	Yes
Regular Shares / Total Shares & Borrowings	`reg_shares_to_shares_borrowings`	Yes
Total Loans / Total Shares	`total_loans_to_total_shares`	Yes
Borrowings / Total Shares & Net Worth	`borrowings_to_shares_net_worth`	Yes

Productivity

Ratio	Code	Peer figures
Members / Potential Members	`members_to_potential_members`	Yes
Borrowers / Members	`borrowers_to_members`	Yes
Members / Full-Time Equivalent Employees	`members_to_fte`	Yes
Average Shares Per Member	`avg_shares_per_member`	Yes
Average Loan Balance	`avg_loan_balance`	Yes
Salary And Benefits / Full-Time Equivalent Employee	`salary_benefits_per_fte`	Yes

QuarterCall publishes analysis of publicly available NCUA Call Report data. Nothing here is investment, financial, or membership advice.