Ratio · Productivity

Borrowers / Members

borrowers_to_members · percent

Ratio of sums · Q2 2026 · all credit unions 60.7%

(111‱) on Q2 2025

Median 46.9% the middle credit union

25th to 75th percentile 34.1% to 60.5% the middle half of credit unions

Credit unions 4,215 of 4,250 expected · quorum reached

Since Q2 2019

All credit unions that filed in each quarter, as release v2026.2.27 publishes them.

Ratio of sums and median by quarter, all credit unions

Percent, Q2 2019 to Q2 2026. The band runs from the 25th to the 75th percentile of the filers’ own ratios. A gap is a quarter the release withholds or has no figure for.

Source: NCUA Call Report, through Q2 2026 · release v2026.2.27 · QuarterCall

Show the values

Quarter	Ratio of sums	Median	25th to 75th	Credit unions
Q2 2026	60.7%	46.9%	34.1% to 60.5%	4,215 of 4,250
Q1 2026	60.8%	46.8%	34.3% to 60.5%	4,250 of 4,286
Q4 2025	61.3%	47.4%	35.1% to 61.0%	4,287 of 4,332
Q3 2025	61.5%	47.4%	35.0% to 60.8%	4,331 of 4,370
Q2 2025	61.8%	47.4%	34.6% to 60.9%	4,370 of 4,414
Q1 2025	61.7%	47.2%	34.5% to 60.8%	4,411 of 4,456
Q4 2024	62.8%	47.9%	35.0% to 61.5%	4,455 of 4,500
Q3 2024	62.8%	47.8%	35.1% to 61.5%	4,499 of 4,532
Q2 2024	63.0%	47.7%	34.9% to 61.1%	4,533 of 4,574
Q1 2024	63.2%	47.7%	34.7% to 61.1%	4,572 of 4,607
Q4 2023	64.2%	48.2%	35.0% to 61.7%	4,604 of 4,644
Q3 2023	64.2%	47.9%	34.7% to 61.3%	4,644 of 4,686
Q2 2023	64.7%	47.5%	34.3% to 61.3%	4,686 of 4,714
Q1 2023	64.7%	47.3%	34.1% to 60.7%	4,712 of 4,760
Q4 2022	65.0%	47.4%	34.0% to 60.8%	4,760 of 4,814
Q3 2022	63.9%	46.2%	33.1% to 59.9%	4,813 of 4,855
Q2 2022	62.9%	45.9%	32.8% to 59.5%	4,853 of 4,903
Q1 2022	60.8%	45.0%	32.2% to 58.3%	4,903 of 4,944
Q4 2021	60.1%	45.3%	32.4% to 58.5%	4,942 of 4,991
Q3 2021	58.7%	44.9%	32.5% to 57.9%	4,990 of 5,031
Q2 2021	58.1%	44.6%	32.4% to 57.9%	5,029 of 5,068
Q1 2021	57.4%	44.5%	32.5% to 57.9%	5,068 of 5,099
Q4 2020	57.8%	45.8%	33.3% to 59.1%	5,099 of 5,134
Q3 2020	57.3%	45.6%	33.3% to 58.9%	5,133 of 5,165
Q2 2020	57.1%	45.9%	33.7% to 58.7%	5,164 of 5,195
Q1 2020	58.0%	47.1%	34.7% to 59.8%	5,195 of 5,236
Q4 2019	58.8%	47.9%	35.4% to 60.9%	5,236 of 5,282
Q3 2019	58.6%	47.5%	35.0% to 60.3%	5,281 of 5,309
Q2 2019	58.3%	47.1%	34.8% to 59.9%	5,308 of 5,334

By peer group

Ratio of sums, Q2 2025 to Q2 2026. Credit unions are grouped by their assets in each quarter.

Ratio of sums by peer group, Q2 2026, against Q2 2025
All FICUs 4,215 of 4,250		60.7% (111‱) on Q2 2025 down
<$10M 761 of 776		32.9% (85‱) on Q2 2025 down
$10M–$50M 1,118 of 1,129		127.5% (455‱) on Q2 2025 down
$50M–$100M 560 of 564		93.1% (504‱) on Q2 2025 down
$100M–$500M 1,028 of 1,033		83.3% 238‱ on Q2 2025 up
$500M–$1B 277 of 277		57.7% (190‱) on Q2 2025 down
$1B–$10B 446 of 446		55.2% (125‱) on Q2 2025 down
>$10B 25 of 25		56.0% (10‱) on Q2 2025 down
NCUA Peer 1: <$2M Withheld · 226 of 234		—
NCUA Peer 2: $2M–$10M 535 of 542		34.6% (88‱) on Q2 2025 down
NCUA Peer 3: $10M–$50M 1,118 of 1,129		127.5% (455‱) on Q2 2025 down
NCUA Peer 4: $50M–$100M 560 of 564		93.1% (504‱) on Q2 2025 down
NCUA Peer 5: $100M–$500M 1,028 of 1,033		83.3% 238‱ on Q2 2025 up
NCUA Peer 6: >$500M 748 of 748		55.7% (96‱) on Q2 2025 down
	0%50%100%150%

Show the values

Group	Q2 2026 Ratio of sums	Change on Q2 2025	25th percentile	75th percentile
All FICUs	60.7%	(111‱)	34.1%	60.5%
<$10M	32.9%	(85‱)	19.3%	42.7%
$10M–$50M	127.5%	(455‱)	32.3%	58.0%
$50M–$100M	93.1%	(504‱)	37.6%	64.4%
$100M–$500M	83.3%	238‱	41.7%	67.6%
$500M–$1B	57.7%	(190‱)	42.0%	62.8%
$1B–$10B	55.2%	(125‱)	44.5%	61.9%
>$10B	56.0%	(10‱)	47.1%	61.3%
NCUA Peer 1: <$2M	Withheld · 226 of 234	—	—	—
NCUA Peer 2: $2M–$10M	34.6%	(88‱)	24.2%	46.2%
NCUA Peer 3: $10M–$50M	127.5%	(455‱)	32.3%	58.0%
NCUA Peer 4: $50M–$100M	93.1%	(504‱)	37.6%	64.4%
NCUA Peer 5: $100M–$500M	83.3%	238‱	41.7%	67.6%
NCUA Peer 6: >$500M	55.7%	(96‱)	43.5%	62.5%

Changes are in basis points (‱) on the same quarter a year earlier; a figure in parentheses is negative. A dash is a quarter with no figure. “Withheld · n of N” is a group with n filers of the N expected, too few to publish.

Where credit unions sit, Q2 2026

Each credit union’s own ratio: the box holds the middle half, the whiskers run from the 10th to the 90th percentile. The ratio of sums weights each credit union by its denominator, so those with larger denominators count for more.

10th 23.2%
25th 34.1%
Median 46.9%
75th 60.5%
90th 78.3%
Ratio of sums 60.7%

Definition

Numerator: number_of_borrowers
Denominator: total_current_members
For a group: The ratio of sums: the members’ numerators summed, over their denominators summed. The median and percentiles beside it are of each member’s own ratio. A group with too few filers is withheld: no figure is published for it, only how many of its expected credit unions filed.
NCUA: NCUA's Financial Performance Report has computed this ratio the same way. How the engine compares them
How to cite it: QuarterCall Callseries, series borrowers_to_members, release v2026.2.27.

Each measure links to the accounts it is read from.

-- This ratio, all credit unions, every quarter of the release
SELECT quarter, ratio_of_sums, median, p25, p75,
       n, expected_n, quorum_status
FROM read_parquet(
  'https://series.quartercall.com/releases/v2026.2.27/peer-quarter.parquet'
)
WHERE peer_group = 'ALL'
  AND measure = 'borrowers_to_members'
ORDER BY quarter;

Source: NCUA Call Report, free peer aggregates of release v2026.2.27, through Q2 2026, cut 2026-10-29.

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