Q2 2026 call reports
Credit union metrics explained
A credit union's call report holds its balance sheet and income statement. These 53 figures and ratios turn it into answers: how big it is, how fast it is growing, how much capital it holds, how it earns, how its loans perform and what rates it reported. Each page gives the definition, the NCUA accounts behind it, the Q2 2026 industry median and the typical range, and the leaders.
Size
| Metric | What it measures | Industry median |
|---|---|---|
| Total assets | Total assets on the call report. | $68.3M |
| Members | Current members on the call report. | 4,818 |
| Loans outstanding | Total loans and leases outstanding. | $34.2M |
| Shares and deposits | Total member shares and deposits, including nonmember deposits. | $58.2M |
| Net worth | Net worth as defined in 12 CFR 702.2: retained earnings and other qualifying equity. | $9.0M |
| Branches | Number of branch offices on the call report. | 2 |
| Employees | Full-time plus part-time employees. | 14 |
Growth (12 months)
| Metric | What it measures | Industry median |
|---|---|---|
| Asset growth | Change in total assets over the last 12 months. | +2.87% |
| Member growth | Change in members over the last 12 months. | -0.57% |
| Loan growth | Change in loans outstanding over the last 12 months. | +0.61% |
| Deposit growth | Change in shares and deposits over the last 12 months. | +2.50% |
Capital and reserves
| Metric | What it measures | Industry median |
|---|---|---|
| Net worth ratio | Net worth divided by total assets. | 12.65% |
| Loss reserves to loans | Allowance for credit losses on loans divided by total loans. | 0.73% |
| Loss reserves to late loans | Allowance for credit losses on loans divided by loans 60 or more days past due. | 1.07x |
Earnings
| Metric | What it measures | Industry median |
|---|---|---|
| Return on assets | Annualized year-to-date net income divided by average assets. | 0.71% |
| Net interest margin | Annualized net interest income divided by average assets. | 3.75% |
| Dividends paid on deposits | Annualized dividends on shares plus interest on deposits, divided by average shares and deposits. | 1.20% |
| Cost of funds | Annualized dividends, interest on deposits and interest on borrowed money, divided by average assets (NCUA FPR cost of funds to average assets). | 1.05% |
| Efficiency ratio | Non-interest (operating) expense divided by net interest income plus non-interest income: the standard industry efficiency ratio (NCUA's FPR does not publish one). | 78.15% |
| Operating expense to assets | Annualized non-interest expense divided by average assets. | 3.61% |
| Non-interest income to assets | Annualized fee income plus other operating income, divided by average assets (NCUA FPR fee and other operating income to average assets). | 0.77% |
| Fee income per member | Annualized fee income divided by members. | $53 |
| Credit loss expense to loans | Annualized credit loss expense (provision) divided by average loans. | 0.25% |
Loan quality
| Metric | What it measures | Industry median |
|---|---|---|
| Loans 60+ days late | Loans 60 or more days past due divided by total loans. | 0.69% |
| Net charge-off rate | Annualized year-to-date charge-offs less recoveries, divided by average loans. | 0.29% |
Lending
| Metric | What it measures | Industry median |
|---|---|---|
| Loan-to-share ratio | Total loans divided by total shares and deposits. | 68.70% |
| Auto loans, share of loans | New and used vehicle loans divided by total loans. | 43.11% |
| Home loans, share of loans | 1-4 family first-lien and junior-lien (home equity) loans divided by total loans. | 31.83% |
| Credit cards, share of loans | Unsecured credit card balances divided by total loans. | 1.63% |
| Business loans, share of loans | Commercial loans to members and nonmembers divided by total loans. | 0.00% |
| Auto loans outstanding | New plus used vehicle loans outstanding. | $12.9M |
| Home loans outstanding | 1-4 family first-lien plus junior-lien loans outstanding. | $11.8M |
| Credit card balances | Unsecured credit card loans outstanding. | $602K |
| Business loans outstanding | Commercial loans to members and nonmembers outstanding. | $0 |
| Private student loans | Non-federally guaranteed student loans outstanding. | $0 |
| Average loan size | Total loans divided by the number of loans. | $14K |
Deposits
| Metric | What it measures | Industry median |
|---|---|---|
| Certificates, share of deposits | Share certificates (CDs) divided by total shares and deposits. | 20.03% |
| Core deposits, share of deposits | Regular shares, share drafts (checking) and money market shares divided by total shares and deposits. | 74.56% |
| Deposits over $250,000 | Shares and deposits above the $250,000 insurance limit divided by total shares and deposits. | 3.94% |
| Average deposits per member | Total shares and deposits divided by members. | $12K |
Liquidity
| Metric | What it measures | Industry median |
|---|---|---|
| Investments to assets | Investment securities divided by total assets. | 5.48% |
| Cash to assets | Cash and other deposits divided by total assets. | 20.98% |
| Borrowings to assets | Total borrowings divided by total assets. | 0.00% |
Operations
| Metric | What it measures | Industry median |
|---|---|---|
| Members per employee | Members divided by full-time-equivalent employees (full-time plus half of part-time, as NCUA counts them). | 349 |
| Assets per employee | Total assets divided by full-time-equivalent employees. | $4.7M |
| Members per branch | Members divided by branches. | 2,486 |
| Field of membership reached | Members divided by the potential members the credit union estimates on its call report. | 12.65% |
Loan rates on the call report
| Metric | What it measures | Industry median |
|---|---|---|
| New auto loan rate | Interest rate the credit union reported for new vehicle loans on its call report. | 5.46% |
| Used auto loan rate | Interest rate reported for used vehicle loans. | 6.32% |
| Credit card rate | Interest rate reported for unsecured credit card loans. | 11.50% |
| Personal loan rate | Interest rate reported for other unsecured loans and lines of credit. | 11.75% |
| First mortgage rate | Interest rate reported for 1-4 family first-lien loans and lines. | 5.75% |
| Home equity rate | Interest rate reported for 1-4 family junior-lien loans and lines. | 6.75% |
Medians across every credit union that reports each figure, from NCUA 5300 Call Report quarterly data, Q2 2026. Formulas follow NCUA's Financial Performance Report where NCUA defines the ratio. Methodology · Rankings
Questions people ask
What is a credit union call report?
Every federally insured credit union files NCUA Form 5300, the call report, each quarter: a balance sheet, an income statement and detail on loans, deposits and staff. NCUA publishes the data about two months after each quarter ends. The figures here come from the Q2 2026 filings (quarter ended June 30, 2026).
Which numbers matter most for a member?
Start with the net worth ratio (capital against losses; 7% or more is well capitalized under NCUA rules), the share of loans 60 or more days late, and membership growth. Then compare earnings, fees per member and what it pays on deposits against credit unions of the same size.
Why compare with peers of the same size?
Size changes almost every ratio. Large credit unions run lower operating costs per dollar of assets and hold different loans than small ones, so NCUA groups credit unions into six asset-size peer groups. Each metric page shows medians for all six.