Credit Union Industry Trends
A standing dashboard of every federally insured credit union, built from the quarterly NCUA 5300 Call Report and refreshed each cycle. Its sections run from the system's size and shape (assets, loans, deposits and the number of institutions) to its credit quality (delinquency, charge-offs and the loan categories behind them), then to the largest institutions and the regions. Figures are system-wide and point-in-time at quarter-end unless a section notes otherwise.
Key Metrics — Latest Quarter
The system's totals, each with its change from the prior quarter. Net income runs from January, so it is set against the same months a year earlier.
Total Assets & Loans Over Time
Total assets, loans and shares by quarter. The distance between the loan and share lines shows whether lending is keeping pace with deposits.
Source: NCUA Call Report, Q2 2026 · QuarterCall
Loan Portfolio Composition
What credit unions lend against, and how the mix among autos, mortgages, cards, and commercial credit shifts over time.
Source: NCUA Call Report, Q2 2026 · QuarterCall
Investment Maturity Distribution
The investment portfolio by time to maturity, first as a share of the total and then in dollars. A larger share at longer maturities means more interest-rate risk.
Source: NCUA Call Report, Q2 2026 · QuarterCall
Source: NCUA Call Report, Q2 2026 · QuarterCall
Investment Growth by Maturity (Year-over-Year)
| Q1 2020 | 19.5% | 14.5% | -5.5% | -6.9% | 95.7% |
| Q2 2020 | 55.4% | 17.5% | 9.7% | 23.5% | 170.4% |
| Q3 2020 | 58.0% | 23.8% | 24.1% | 49.4% | 115.7% |
| Q4 2020 | 68.9% | 23.6% | 35.6% | 72.9% | 131.6% |
| Q1 2021 | 61.2% | 5.3% | 59.4% | 169.9% | 111.5% |
| Q2 2021 | 18.7% | -3.0% | 69.2% | 160.9% | 69.7% |
| Q3 2021 | 17.5% | -4.9% | 78.1% | 110.5% | 55.7% |
| Q4 2021 | 4.0% | 1.9% | 71.5% | 81.7% | 40.8% |
| Q1 2022 | -13.4% | 9.8% | 34.7% | 36.7% | 9.7% |
| Q2 2022 | -24.3% | 13.7% | 7.3% | 23.1% | 6.1% |
| Q3 2022 | -32.5% | 6.0% | -13.0% | 22.7% | 14.7% |
| Q4 2022 | -37.7% | -1.0% | -25.7% | 17.9% | 15.3% |
| Q1 2023 | -26.5% | -0.2% | -27.0% | -4.0% | 23.0% |
| Q2 2023 | -11.9% | -6.5% | -28.1% | -11.7% | 18.3% |
| Q3 2023 | 0.3% | -6.2% | -26.4% | -17.2% | 10.5% |
| Q4 2023 | 17.5% | -6.7% | -20.4% | -17.3% | 0.6% |
| Q1 2024 | 25.2% | -9.4% | -16.4% | -19.8% | -7.0% |
| Q2 2024 | 19.8% | -5.8% | -9.5% | -17.3% | -19.6% |
| Q3 2024 | 19.0% | -0.0% | 1.1% | -12.8% | -21.9% |
| Q4 2024 | 8.6% | -3.5% | 1.7% | -11.2% | -22.2% |
| Q1 2025 | 0.1% | 2.3% | 11.4% | -6.1% | -18.4% |
| Q2 2025 | 0.3% | 1.0% | 16.4% | -1.0% | -9.7% |
| Q3 2025 | -1.7% | -2.7% | 17.2% | 2.8% | -6.3% |
| Q4 2025 | 7.5% | 0.6% | 17.1% | 1.5% | 10.9% |
| Q1 2026 | 2.1% | 0.0% | 19.7% | 6.8% | -2.8% |
| Q2 2026 | -1.0% | 3.3% | 19.1% | 9.2% | -7.6% |
Indirect Loans & Delinquency
Loans booked through dealers rather than at the branch carry more credit risk, so the chart sets their delinquency rate beside the growth of the balance.
Source: NCUA Call Report, Q2 2026 · QuarterCall
Participation Loans & Delinquency
Loans purchased from other institutions carry the originating lender's underwriting, so their delinquency rate measures that exposure.
Source: NCUA Call Report, Q2 2026 · QuarterCall
Charge-Off Rates by Loan Category
Net charge-off rates by loan category. The levels differ widely between categories, so each line is read for its own direction.
Source: NCUA Call Report, Q2 2026 · QuarterCall
Note: "Real Estate" is net charge-offs on non-commercial real estate loans (first lien, junior lien, and other) as a share of those loans' balances. The Call Report has itemized them since 2022, so that line begins there. Credit card NCO rates (about 5%) are on a different scale than vehicle and RE rates — the chart axis accommodates all four.
Charge-Offs & Recoveries (Rolling 4-Quarter)
Loans written off, amounts recovered and the net loss, each summed over the trailing four quarters.
Source: NCUA Call Report, Q2 2026 · QuarterCall
Gross charge-offs = total loans written off. Recoveries = amounts collected on previously charged-off loans. Net = gross minus recoveries. All figures are rolling four-quarter sums to smooth seasonal variation and provide a true annual rate.
Delinquency Rate vs. Net Charge-Off Rate
A loan is delinquent before it is charged off, so the delinquency rate moves ahead of the charge-off rate. A widening gap between them is consistent with problem loans aging in place rather than resolving.
Source: NCUA Call Report, Q2 2026 · QuarterCall
Delinquency ratio = 60+ day delinquent loans / total loans (point-in-time). NCO ratio = trailing four quarters of net charge-offs / average loans (rolling annual rate). When the delinquency line rises faster than the NCO line, loans are entering delinquent status faster than they are being written off, and those loans are the pool future charge-offs come from.
Delinquency Trends
Delinquent loans by days past due. A growing share in the longer buckets means borrowers are falling further behind.
Source: NCUA Call Report, Q2 2026 · QuarterCall
Largest Credit Unions
The 25 largest credit unions by total assets, searchable and sortable.
| 5.5k | NAVY FEDERAL CREDIT UNION | VA | $204,364M | $146,325M | $1,412M | 71.6 | 9.8 |
| 66.3k | STATE EMPLOYEES' | NC | $59,971M | $38,671M | $216M | 64.5 | 9.6 |
| 24.2k | SCHOOLSFIRST | CA | $37,231M | $23,039M | $163M | 61.9 | 9.5 |
| 62.6k | BOEING EMPLOYEES | WA | $29,623M | $20,386M | $86M | 68.8 | 10.5 |
| 0.2k | PENTAGON | VA | $29,196M | $22,030M | $144M | 75.5 | 10.5 |
| 23.5k | FIRST TECHNOLOGY | CA | $27,876M | $22,016M | $39M | 79 | 10.5 |
| 24.7k | AMERICA FIRST | UT | $25,986M | $18,441M | $223M | 71 | 11.6 |
| 24.7k | MOUNTAIN AMERICA | UT | $22,854M | $18,764M | $100M | 82.1 | 9.5 |
| 61.6k | THE GOLDEN 1 | CA | $22,151M | $16,402M | $57M | 74 | 8.9 |
| 68.6k | SUNCOAST | FL | $20,779M | $16,261M | $90M | 78.3 | 8.8 |
Regional & State View
Total assets by the NCUA's three supervisory regions, then for any one state.
Source: NCUA Call Report, Q2 2026 · QuarterCall
Drill into a State
Source: NCUA Call Report, Q2 2026 · QuarterCall