What is the average credit union loans 60+ days late?

The median across 4,290 credit unions was 0.69% in the Q2 2026 call reports. Among credit unions with $100 million or more in assets, the middle half ran from 0.41% to 1.10%.

Is a higher loans 60+ days late better?

No. For loans 60+ days late, lower is better for members, all else equal. Compare it with credit unions of the same size, since size and lending mix drive it.

How is loans 60+ days late calculated?

Loans 60 or more days past due divided by total loans. Source accounts on NCUA's 5300 call report: ACCT_041B (delinquent loans, 60+ days); ACCT_025B (total loans).

Which credit union has the lowest loans 60+ days late?

Nuvista Federal Credit Union of Montrose, CO, at 0.00% in Q2 2026, under the rules of the national ranking.

Loan quality · Q2 2026 call reports

Credit union loans 60+ days late

Loans 60 or more days past due divided by total loans. The median across all 4,290 credit unions reporting it was 0.69% for the quarter ended June 30, 2026. Among those with $100 million or more in assets, the middle half ran from 0.41% to 1.10% (median 0.69%).

Why it matters

The share of loans 60 or more days late is the clearest early sign of loan trouble. Compare it with peers of the same size, since lending mix drives it.

How it is calculated

Loans 60 or more days past due divided by total loans.

NCUA 5300 call report accounts: ACCT_041B (delinquent loans, 60+ days) · ACCT_025B (total loans). Methodology

How credit unions are spread

1,820 credit unions with $100 million or more in assets. Shaded: the middle half. Line: the median. The most extreme 1% at each end (38 credit unions) are left off the chart.

By NCUA peer group

Assets	Count	25th pct	Median	75th pct
Under $2 million in assets	226	0.00%	0.66%	5.30%
$2 million to $10 million	537	0.04%	0.86%	2.63%
$10 million to $50 million	1,134	0.18%	0.68%	1.52%
$50 million to $100 million	573	0.31%	0.67%	1.21%
$100 million to $500 million	1,061	0.37%	0.70%	1.15%
$500 million and up	759	0.45%	0.67%	1.05%

Lowest loans 60+ days late

Using the rules of the national ranking. See the top 100.

Nuvista Federal Credit Union Montrose, CO 0.00%
Workmen's Circle Incorporated Credit Union Savannah, GA 0.00%
Oakdale Credit Union Oakdale, WI 0.00%
Northwestern Mutual Credit Union Milwaukee, WI 0.00%
Moog Employees Federal Credit Union East Aurora, NY 0.00%
North Star Credit Union Cook, MN 0.00%
Sterling Federal Credit Union Sterling, CO 0.00%
Cleveland Selfreliance Federal Credit Union Parma, OH 0.01%
Long Beach City Employees Federal Credit Union Signal Hill, CA 0.01%
Sea West Coast Guard Federal Credit Union Oakland, CA 0.01%

Highest loans 60+ days late

Sunlight Federal Credit Union Cody, WY 7.34%
U.s. Eagle Federal Credit Union Albuquerque, NM 6.91%
Hometown Credit Union Kulm, ND 6.81%
Civic Federal Credit Union Raleigh, NC 6.27%
St. Louis Community Credit Union Saint Louis, MO 5.79%
Valley Credit Union Salem, OR 5.22%
GHS Federal Credit Union Binghamton, NY 4.90%
Alternatives Federal Credit Union Ithaca, NY 4.71%
State Employees Credit Union Santa Fe, NM 4.46%
Wyhy Federal Credit Union Cheyenne, WY 4.42%

Median by state

Credit unions headquartered in each state, with $100 million or more in assets; states with at least three.

State	Median	Count
Rhode Island	0.43%	8
Montana	0.44%	17
Nevada	0.45%	11
New Hampshire	0.48%	9
Georgia	0.49%	30
Wisconsin	0.49%	49
Puerto Rico	0.49%	3
Arizona	0.53%	21
Hawaii	0.54%	25
California	0.54%	150
Missouri	0.54%	29
Connecticut	0.56%	21
Minnesota	0.57%	43
Tennessee	0.58%	41
Illinois	0.59%	53
Florida	0.60%	72
Mississippi	0.60%	13
Oklahoma	0.62%	27
Arkansas	0.62%	5
Colorado	0.64%	37
South Dakota	0.64%	12
Texas	0.67%	141
Massachusetts	0.68%	58
Michigan	0.70%	113
Alabama	0.71%	36
Pennsylvania	0.73%	86
Indiana	0.74%	44
Utah	0.75%	22
Wyoming	0.75%	11
New Mexico	0.76%	16
Ohio	0.76%	77
Washington	0.77%	40
South Carolina	0.78%	22
Maryland	0.78%	34
Iowa	0.78%	29
Idaho	0.80%	17
Kentucky	0.81%	17
Virginia	0.82%	46
New York	0.83%	91
North Carolina	0.85%	26
Nebraska	0.91%	16
Maine	0.91%	40
Kansas	0.95%	19
New Jersey	0.96%	29
Oregon	0.98%	29
West Virginia	0.98%	11
Alaska	1.01%	7
Delaware	1.02%	6
Vermont	1.09%	7
Louisiana	1.16%	29
District of Columbia	1.41%	11
North Dakota	2.33%	12

Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA. Every credit union's figure is on its own page, in the screener, and in the free API.