Ratio · Asset quality

Delinquent Loans / Total Loans

delinquent_loans_to_total_loans · percent

Ratio of sums · Q2 2026 · all credit unions 1.0%

6‱ on Q2 2025

Median 0.7% the middle credit union

25th to 75th percentile 0.3% to 1.3% 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	0.96%	0.69%	0.30% to 1.34%	4,215 of 4,250
Q1 2026	0.85%	0.63%	0.25% to 1.19%	4,250 of 4,286
Q4 2025	1.03%	0.72%	0.31% to 1.37%	4,287 of 4,332
Q3 2025	0.95%	0.67%	0.29% to 1.32%	4,331 of 4,370
Q2 2025	0.91%	0.65%	0.27% to 1.33%	4,370 of 4,414
Q1 2025	0.80%	0.58%	0.22% to 1.15%	4,411 of 4,456
Q4 2024	0.98%	0.69%	0.30% to 1.35%	4,455 of 4,500
Q3 2024	0.91%	0.65%	0.27% to 1.26%	4,499 of 4,532
Q2 2024	0.84%	0.60%	0.24% to 1.17%	4,533 of 4,574
Q1 2024	0.78%	0.53%	0.21% to 1.09%	4,572 of 4,607
Q4 2023	0.83%	0.61%	0.24% to 1.21%	4,604 of 4,644
Q3 2023	0.72%	0.53%	0.21% to 1.07%	4,644 of 4,686
Q2 2023	0.63%	0.45%	0.18% to 0.98%	4,686 of 4,714
Q1 2023	0.53%	0.38%	0.14% to 0.85%	4,712 of 4,760
Q4 2022	0.61%	0.48%	0.17% to 1.01%	4,760 of 4,814
Q3 2022	0.53%	0.40%	0.14% to 0.93%	4,813 of 4,855
Q2 2022	0.48%	0.38%	0.14% to 0.87%	4,853 of 4,903
Q1 2022	0.42%	0.32%	0.11% to 0.74%	4,903 of 4,944
Q4 2021	0.49%	0.38%	0.13% to 0.86%	4,942 of 4,991
Q3 2021	0.46%	0.34%	0.12% to 0.82%	4,990 of 5,031
Q2 2021	0.46%	0.33%	0.11% to 0.79%	5,029 of 5,068
Q1 2021	0.46%	0.34%	0.12% to 0.81%	5,068 of 5,099
Q4 2020	0.60%	0.51%	0.19% to 1.08%	5,099 of 5,134
Q3 2020	0.54%	0.47%	0.18% to 1.04%	5,133 of 5,165
Q2 2020	0.58%	0.52%	0.21% to 1.15%	5,164 of 5,195
Q1 2020	0.63%	0.59%	0.26% to 1.23%	5,195 of 5,236
Q4 2019	0.70%	0.66%	0.31% to 1.37%	5,236 of 5,282
Q3 2019	0.66%	0.61%	0.28% to 1.30%	5,281 of 5,309
Q2 2019	0.63%	0.60%	0.26% to 1.24%	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		0.96% 6‱ on Q2 2025 up
<$10M 761 of 776		1.84% 1‱ on Q2 2025 flat
$10M–$50M 1,118 of 1,129		1.11% (2‱) on Q2 2025 flat
$50M–$100M 560 of 564		0.98% 6‱ on Q2 2025 up
$100M–$500M 1,028 of 1,033		0.87% 5‱ on Q2 2025 up
$500M–$1B 277 of 277		0.82% 1‱ on Q2 2025 flat
$1B–$10B 446 of 446		0.83% 7‱ on Q2 2025 up
>$10B 25 of 25		1.27% 2‱ on Q2 2025 flat
NCUA Peer 1: <$2M Withheld · 226 of 234		—
NCUA Peer 2: $2M–$10M 535 of 542		1.71% (4‱) on Q2 2025 down
NCUA Peer 3: $10M–$50M 1,118 of 1,129		1.11% (2‱) on Q2 2025 flat
NCUA Peer 4: $50M–$100M 560 of 564		0.98% 6‱ on Q2 2025 up
NCUA Peer 5: $100M–$500M 1,028 of 1,033		0.87% 5‱ on Q2 2025 up
NCUA Peer 6: >$500M 748 of 748		0.97% 6‱ on Q2 2025 up
	0%0.5%1%1.5%2%

Show the values

Group	Q2 2026 Ratio of sums	Change on Q2 2025	25th percentile	75th percentile
All FICUs	0.96%	6‱	0.30%	1.34%
<$10M	1.84%	1‱	0.00%	3.04%
$10M–$50M	1.11%	(2‱)	0.19%	1.53%
$50M–$100M	0.98%	6‱	0.31%	1.21%
$100M–$500M	0.87%	5‱	0.37%	1.15%
$500M–$1B	0.82%	1‱	0.44%	1.02%
$1B–$10B	0.83%	7‱	0.45%	1.05%
>$10B	1.27%	2‱	0.64%	1.30%
NCUA Peer 1: <$2M	Withheld · 226 of 234	—	—	—
NCUA Peer 2: $2M–$10M	1.71%	(4‱)	0.04%	2.55%
NCUA Peer 3: $10M–$50M	1.11%	(2‱)	0.19%	1.53%
NCUA Peer 4: $50M–$100M	0.98%	6‱	0.31%	1.21%
NCUA Peer 5: $100M–$500M	0.87%	5‱	0.37%	1.15%
NCUA Peer 6: >$500M	0.97%	6‱	0.45%	1.06%

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 0.04%
25th 0.30%
Median 0.69%
75th 1.34%
90th 2.58%
Ratio of sums 0.96%

Definition

Numerator: delinquent_loans_60plus
Denominator: total_loans
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 delinquent_loans_to_total_loans, 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 = 'delinquent_loans_to_total_loans'
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.