The NCUA Quarterly U.S. Map Review for the first quarter of 2017 covers several key indicators of the financial health and viability of federally insured credit unions, including:1
- Median four-quarter growth in assets,
- Median four-quarter growth in shares and deposits,
- Median four-quarter growth in members,
- Median four-quarter growth in loans,
- Median delinquent loans as a share of total loans,
- Median loans outstanding as a share of total shares and deposits,
- Median year-to-date return on average assets, and
- Share of federally insured credit unions with positive year-to-date net income.
Four-quarter growth is the growth from the end of the first quarter of 2016 through the first quarter of 2017. Most maps shown in this review display medians, or the 50th percentile of the distribution of the variable. In other words, for a given metric, half of all credit unions had a value at or above the median, while the other half had a value that was less than or equal to the median.2
Data presented in this review are rounded. Unless otherwise noted, indicators in percentages are rounded to the nearest tenth of a percentage point, while indicators in basis points are rounded to the nearest basis point. In the legends, the data range in each color band excludes the value of the lower bound but includes the value of the upper bound of the range. Credit unions are included in their state of chartering or the state in which their headquarters are located.
NCUA makes information about the financial performance of federally insured credit unions available through its online Research a Credit Union tool. Through this link, you can locate information contained in an individual credit union’s Call Report as well as obtain a Financial Performance Report and summary documents about a credit union’s performance.
For comments or suggestions about the NCUA Quarterly U.S. Map Review, please send an email to ocemail@ncua.gov.
Median Annual Asset Growth
NCUA Quarterly Map Review - Credit Union Indicators Summary
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Visualization for NCUA Quarterly Map Review - Credit Union Indicators Summary
Source: National Credit Union Administration
| State / Territory | Median Y/Y Asset Growth (%) - Level |
|---|---|
| AK | 2.50% |
| AL | 3.30% |
| AR | 0.40% |
| AZ | 7.30% |
| CA | 5.30% |
| CO | 6.50% |
| CT | 3.10% |
| DC | 0.40% |
| DE | 3.80% |
| FL | 5.90% |
| GA | 4.50% |
| GU | 6.60% |
| HI | 3.20% |
| IA | 4.30% |
| ID | 6.50% |
| IL | 2.90% |
| IN | 4.00% |
| KS | 3.40% |
| KY | 4.20% |
| LA | 1.40% |
| MA | 3.80% |
| MD | 3.10% |
| ME | 8.00% |
| MI | 5.70% |
| MN | 5.40% |
| MO | 4.40% |
| MS | 3.20% |
| MT | 4.50% |
| NC | 4.70% |
| ND | 4.10% |
| NE | 2.60% |
| NH | 5.30% |
| NJ | 1.80% |
| NM | 5.70% |
| NV | 6.30% |
| NY | 4.00% |
| OH | 3.90% |
| OK | 2.10% |
| OR | 9.30% |
| PA | 2.40% |
| PR | -0.20% |
| RI | 4.10% |
| SC | 6.10% |
| SD | 3.70% |
| TN | 4.10% |
| TX | 2.60% |
| UT | 6.60% |
| VA | 3.30% |
| VI | 4.10% |
| VT | 5.70% |
| WA | 7.20% |
| WI | 4.70% |
| WV | 2.90% |
| WY | 3.90% |
Highlights
- Nationally, median asset growth over the year ending in the first quarter of 2017 was 3.9 percent. In other words, half of all federally insured credit unions had asset growth at or above 3.9 percent and half had asset growth of 3.9 percent or less. In the year ending in the first quarter of 2016, the median growth rate in assets was 2.9 percent.
- At the median, assets rose in each state over the year ending in the first quarter of 2017. Median asset growth was highest in Oregon (9.3 percent), followed by Maine (8.0 percent).
- Median asset growth was slowest in Arkansas and the District of Columbia (both 0.4 percent), followed by Louisiana (1.4 percent).
Median Annual Share and Deposit Growth
NCUA Quarterly Map Review - Credit Union Indicators Summary
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Visualization for NCUA Quarterly Map Review - Credit Union Indicators Summary
Source: National Credit Union Administration
| State / Territory | Median Y/Y Deposit Growth (%) - Level |
|---|---|
| AK | 3.80% |
| AL | 3.70% |
| AR | 1.00% |
| AZ | 7.60% |
| CA | 5.60% |
| CO | 6.90% |
| CT | 3.60% |
| DC | 0.90% |
| DE | 3.90% |
| FL | 6.20% |
| GA | 5.00% |
| GU | 9.30% |
| HI | 3.40% |
| IA | 4.30% |
| ID | 6.30% |
| IL | 3.00% |
| IN | 4.80% |
| KS | 4.10% |
| KY | 4.30% |
| LA | 1.40% |
| MA | 4.00% |
| MD | 3.30% |
| ME | 8.60% |
| MI | 6.20% |
| MN | 6.10% |
| MO | 5.00% |
| MS | 4.00% |
| MT | 4.70% |
| NC | 5.10% |
| ND | 3.80% |
| NE | 2.90% |
| NH | 6.90% |
| NJ | 2.30% |
| NM | 6.40% |
| NV | 6.30% |
| NY | 4.30% |
| OH | 4.10% |
| OK | 2.00% |
| OR | 9.50% |
| PA | 2.60% |
| PR | -0.20% |
| RI | 4.30% |
| SC | 6.70% |
| SD | 4.00% |
| TN | 4.40% |
| TX | 2.40% |
| UT | 7.00% |
| VA | 3.60% |
| VI | 6.20% |
| VT | 5.90% |
| WA | 7.80% |
| WI | 4.90% |
| WV | 2.60% |
| WY | 4.20% |
Highlights
- Nationally, median growth in shares and deposits over the year ending in the first quarter of 2017 was 4.2 percent. In the year ending in the first quarter of 2016, the median growth rate in shares and deposits was 3.0 percent.
- At the median, shares and deposits rose in each state over the year ending in the first quarter of 2017. The median growth rate in shares and deposits was highest in Oregon (9.5 percent) and Maine (8.6 percent).
- The median growth rate in shares and deposits was lowest in the District of Columbia (0.9 percent) and Arkansas (1.0 percent).
Median Annual Membership Growth
NCUA Quarterly Map Review - Credit Union Indicators Summary
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Source: National Credit Union Administration
| State / Territory | Median Y/Y Member Growth (%) - Level |
|---|---|
| AK | 2.60% |
| AL | 0.80% |
| AR | -0.60% |
| AZ | 1.20% |
| CA | 1.00% |
| CO | 0.50% |
| CT | -0.90% |
| DC | -2.40% |
| DE | 1.00% |
| FL | 0.80% |
| GA | 0.70% |
| GU | -4.50% |
| HI | -0.20% |
| IA | -0.10% |
| ID | 0.90% |
| IL | -0.40% |
| IN | -0.20% |
| KS | 0.60% |
| KY | -0.70% |
| LA | -0.60% |
| MA | -0.50% |
| MD | -0.60% |
| ME | 1.60% |
| MI | 0.10% |
| MN | 0.00% |
| MO | -0.20% |
| MS | 0.70% |
| MT | -1.30% |
| NC | 1.20% |
| ND | -0.50% |
| NE | -1.10% |
| NH | 0.10% |
| NJ | -1.20% |
| NM | 1.40% |
| NV | 0.50% |
| NY | 0.00% |
| OH | -1.00% |
| OK | -1.20% |
| OR | 1.90% |
| PA | -1.50% |
| PR | -2.50% |
| RI | -0.70% |
| SC | 1.50% |
| SD | 1.50% |
| TN | 0.10% |
| TX | -0.50% |
| UT | 1.20% |
| VA | 0.00% |
| VI | 2.20% |
| VT | 1.30% |
| WA | 2.40% |
| WI | 0.10% |
| WV | -0.30% |
| WY | 0.00% |
Highlights
- While overall membership in federally insured credit unions continued to grow in the year ending in the first quarter of 2017, at the median, membership declined 0.1 percent. Membership was unchanged at the median over the previous year. Overall, 51 percent of federally insured credit unions had fewer members at the end of the first quarter of 2017 than a year earlier. Credit unions with falling membership tend to be small; about 75 percent had less than $50 million in assets.
- Over the year ending in the first quarter of 2017, Alaska had the highest median membership growth rate (2.6 percent), followed by Washington (2.4 percent).
- In 22 states, the median membership growth rate for federally insured credit unions was negative. At the median, membership declined the most in the District of Columbia (-2.4 percent), followed by Pennsylvania (-1.5 percent).
Median Annual Loan Growth
NCUA Quarterly Map Review - Credit Union Indicators Summary
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Visualization for NCUA Quarterly Map Review - Credit Union Indicators Summary
Source: National Credit Union Administration
| State / Territory | Median Y/Y Loan Growth (%) - Level |
|---|---|
| AK | 7.40% |
| AL | 3.10% |
| AR | 2.90% |
| AZ | 7.50% |
| CA | 8.10% |
| CO | 8.90% |
| CT | 1.30% |
| DC | 3.90% |
| DE | 2.80% |
| FL | 5.20% |
| GA | 2.90% |
| GU | 8.60% |
| HI | 5.30% |
| IA | 4.90% |
| ID | 6.60% |
| IL | 3.60% |
| IN | 3.70% |
| KS | 4.60% |
| KY | 6.10% |
| LA | 2.90% |
| MA | 4.20% |
| MD | 3.80% |
| ME | 7.70% |
| MI | 5.90% |
| MN | 6.00% |
| MO | 5.50% |
| MS | 4.30% |
| MT | 3.60% |
| NC | 5.10% |
| ND | 2.30% |
| NE | 2.70% |
| NH | 4.50% |
| NJ | 1.40% |
| NM | 3.90% |
| NV | 9.40% |
| NY | 3.90% |
| OH | 3.70% |
| OK | 2.60% |
| OR | 10.90% |
| PA | 1.10% |
| PR | -3.20% |
| RI | 4.70% |
| SC | 7.50% |
| SD | 2.70% |
| TN | 6.40% |
| TX | 3.50% |
| UT | 6.70% |
| VA | 4.40% |
| VI | -5.70% |
| VT | 6.50% |
| WA | 9.40% |
| WI | 4.70% |
| WV | 2.10% |
| WY | 1.80% |
Highlights
- Nationally, the median growth rate in loans outstanding was 4.4 percent over the year ending in the first quarter of 2017. The median loan growth rate during the previous year was 4.5 percent.
- At the median, loans outstanding rose in each state over the year ending in the first quarter of 2017. The highest median growth rate in loans outstanding was in Oregon (10.9 percent), followed by Nevada and Washington (both 9.4 percent).
- Median loan growth was slowest in Pennsylvania (1.1 percent) and Connecticut (1.3 percent).
Median Total Delinquency Rate
NCUA Quarterly Map Review - Credit Union Indicators Summary
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Source: National Credit Union Administration
| State / Territory | Median Total Delinquency Rate (bps) - Level |
|---|---|
| AK | 89 |
| AL | 82 |
| AR | 90 |
| AZ | 52 |
| CA | 30 |
| CO | 35 |
| CT | 86 |
| DC | 90 |
| DE | 89 |
| FL | 43 |
| GA | 75 |
| GU | 56 |
| HI | 56 |
| IA | 55 |
| ID | 63 |
| IL | 79 |
| IN | 56 |
| KS | 76 |
| KY | 61 |
| LA | 110 |
| MA | 43 |
| MD | 78 |
| ME | 53 |
| MI | 63 |
| MN | 45 |
| MO | 61 |
| MS | 111 |
| MT | 50 |
| NC | 104 |
| ND | 52 |
| NE | 54 |
| NH | 22 |
| NJ | 149 |
| NM | 53 |
| NV | 55 |
| NY | 77 |
| OH | 75 |
| OK | 71 |
| OR | 34 |
| PA | 83 |
| PR | 37 |
| RI | 39 |
| SC | 49 |
| SD | 51 |
| TN | 45 |
| TX | 59 |
| UT | 35 |
| VA | 78 |
| VI | 262 |
| VT | 69 |
| WA | 35 |
| WI | 53 |
| WV | 112 |
| WY | 65 |
Highlights
- At the end of the first quarter of 2017, the median total delinquency rate among federally insured credit unions was 63 basis points, down from 68 basis points in the first quarter of 2016.
- At the end of the first quarter of 2017, the median delinquency rate was highest in New Jersey (149 basis points), followed by West Virginia (112 basis points).
- The median delinquency rate was lowest in New Hampshire (22 basis points), followed by California (30 basis points).
Median Loan-to-Share Ratio
NCUA Quarterly Map Review - Credit Union Indicators Summary
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Source: National Credit Union Administration
| State / Territory | Median Loan to Share Ratio (%) - Level |
|---|---|
| AK | 85.00% |
| AL | 58.00% |
| AR | 72.00% |
| AZ | 70.00% |
| CA | 59.00% |
| CO | 67.00% |
| CT | 49.00% |
| DC | 51.00% |
| DE | 43.00% |
| FL | 63.00% |
| GA | 60.00% |
| GU | 88.00% |
| HI | 46.00% |
| IA | 68.00% |
| ID | 85.00% |
| IL | 54.00% |
| IN | 63.00% |
| KS | 69.00% |
| KY | 62.00% |
| LA | 61.00% |
| MA | 61.00% |
| MD | 56.00% |
| ME | 80.00% |
| MI | 60.00% |
| MN | 71.00% |
| MO | 63.00% |
| MS | 49.00% |
| MT | 59.00% |
| NC | 68.00% |
| ND | 65.00% |
| NE | 63.00% |
| NH | 75.00% |
| NJ | 48.00% |
| NM | 68.00% |
| NV | 61.00% |
| NY | 55.00% |
| OH | 60.00% |
| OK | 68.00% |
| OR | 69.00% |
| PA | 48.00% |
| PR | 66.00% |
| RI | 68.00% |
| SC | 65.00% |
| SD | 71.00% |
| TN | 64.00% |
| TX | 65.00% |
| UT | 72.00% |
| VA | 58.00% |
| VI | 51.00% |
| VT | 78.00% |
| WA | 75.00% |
| WI | 80.00% |
| WV | 57.00% |
| WY | 69.00% |
Highlights
Loans-to-shares ratios are rounded to the nearest percentage point.
- Nationally, the median ratio of total loans outstanding to total shares and deposits (the loans-to-shares ratio) was 62 percent at the end of the first quarter of 2017. At the end of the first quarter of 2016, the median loans-to-shares ratio was 61 percent.
- The median loans-to-shares ratio was highest in Alaska and Idaho (both 85 percent), followed by Maine and Wisconsin (both 80 percent).
- The median loans-to-shares ratio was lowest in Delaware (43 percent), followed by Hawaii (46 percent).
Median Return on Average Assets
NCUA Quarterly Map Review - Credit Union Indicators Summary
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Source: National Credit Union Administration
| State / Territory | Median Annualized YTD ROAA (bps) - Level |
|---|---|
| AK | 44 |
| AL | 45 |
| AR | 29 |
| AZ | 26 |
| CA | 33 |
| CO | 45 |
| CT | 19 |
| DC | 22 |
| DE | 25 |
| FL | 46 |
| GA | 50 |
| GU | 51 |
| HI | 37 |
| IA | 43 |
| ID | 47 |
| IL | 33 |
| IN | 34 |
| KS | 33 |
| KY | 41 |
| LA | 32 |
| MA | 23 |
| MD | 21 |
| ME | 49 |
| MI | 36 |
| MN | 35 |
| MO | 33 |
| MS | 30 |
| MT | 41 |
| NC | 33 |
| ND | 50 |
| NE | 26 |
| NH | 27 |
| NJ | 19 |
| NM | 37 |
| NV | 72 |
| NY | 26 |
| OH | 20 |
| OK | 34 |
| OR | 59 |
| PA | 23 |
| PR | 42 |
| RI | 28 |
| SC | 56 |
| SD | 44 |
| TN | 39 |
| TX | 31 |
| UT | 49 |
| VA | 32 |
| VI | 8 |
| VT | 48 |
| WA | 49 |
| WI | 40 |
| WV | 43 |
| WY | 34 |
Highlights
- Nationally, the median annualized return on average assets at federally insured credit unions was 33 basis points during the first quarter of 2017, matching the rate during the first quarter of 2016.
- Nevada (72 basis points) had the highest median return on average assets during 2017, followed by Oregon (59 basis points).
- New Jersey and Connecticut (both 19 basis points) had the lowest median return on average assets, followed by Ohio (20 basis points).
Share of Credit Unions with Positive Net Income
NCUA Quarterly Map Review - Credit Union Indicators Summary
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Source: National Credit Union Administration
| State / Territory | Share of FICUs with Positive YTD Net Income (%) - Level |
|---|---|
| AK | 75.00% |
| AL | 84.00% |
| AR | 64.00% |
| AZ | 81.00% |
| CA | 79.00% |
| CO | 83.00% |
| CT | 70.00% |
| DC | 69.00% |
| DE | 89.00% |
| FL | 86.00% |
| GA | 82.00% |
| GU | 100.00% |
| HI | 84.00% |
| IA | 93.00% |
| ID | 82.00% |
| IL | 75.00% |
| IN | 80.00% |
| KS | 72.00% |
| KY | 74.00% |
| LA | 73.00% |
| MA | 72.00% |
| MD | 70.00% |
| ME | 93.00% |
| MI | 80.00% |
| MN | 83.00% |
| MO | 76.00% |
| MS | 67.00% |
| MT | 84.00% |
| NC | 69.00% |
| ND | 78.00% |
| NE | 85.00% |
| NH | 88.00% |
| NJ | 70.00% |
| NM | 83.00% |
| NV | 90.00% |
| NY | 72.00% |
| OH | 72.00% |
| OK | 83.00% |
| OR | 97.00% |
| PA | 74.00% |
| PR | 80.00% |
| RI | 75.00% |
| SC | 80.00% |
| SD | 80.00% |
| TN | 85.00% |
| TX | 73.00% |
| UT | 86.00% |
| VA | 75.00% |
| VI | 80.00% |
| VT | 81.00% |
| WA | 83.00% |
| WI | 84.00% |
| WV | 84.00% |
| WY | 72.00% |
Highlights
Shares on this page are rounded to the nearest percentage point.
- Nationally, 77 percent of federally insured credit unions had positive net income during the first quarter of 2017, compared to 78 percent in the first quarter of 2016.
- At least 60 percent of credit unions in every state had positive net income during the first quarter of 2017.
- The share of federally insured credit unions with positive net income was highest in Oregon (97 percent), followed by Maine and Iowa (both 93 percent).
- The share was lowest in Arkansas (64 percent) and Mississippi (67 percent).
Tables and Downloads
- 2017 Q1 Credit Union Summary Tables (Accessible web page)
- U.S. Summary Tables (Accessible web page)
- 2017 Q1 Credit Union Indicators Table (ZIP workbook)
- Download CSV for NCUA Quarterly Map Review - Economic Indicators Summary
- Download CSV for NCUA Quarterly Map Review - Credit Union Indicators Summary
Footnotes
1 Overseas territories—Guam, Puerto Rico, and the Virgin Islands— are included in the calculations of the U.S. statistics and the maps and reported in the summary indicators tables at the end of this report. Due to the small number of credit unions in each, however, they are not represented in the text.
2 Technically, by construction of the median, there can be several credit unions “tied” at the median value.