NCUA Quarterly U.S. Map Review - First Quarter 2023

The NCUA Quarterly U.S. Map Review for the first quarter of 2023 covers several key indicators of the financial health and viability of federally insured credit unions, including:^1,2

• 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 annualized 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 2022 through the first quarter of 2023. Most maps shown in this review display medians, or the 50^th 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.³

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 states of chartering or the states 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 (Opens new window) . 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

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Median Annual Asset Growth - First Quarter 2023

State / Territory	Median Y/Y Asset Growth (%) - Level
State / Territory AK	Median Y/Y Asset Growth (%) - Level 4.70%
State / Territory AL	Median Y/Y Asset Growth (%) - Level -0.30%
State / Territory AR	Median Y/Y Asset Growth (%) - Level 0.00%
State / Territory AZ	Median Y/Y Asset Growth (%) - Level 0.70%
State / Territory CA	Median Y/Y Asset Growth (%) - Level 0.00%
State / Territory CO	Median Y/Y Asset Growth (%) - Level 0.20%
State / Territory CT	Median Y/Y Asset Growth (%) - Level -0.50%
State / Territory DC	Median Y/Y Asset Growth (%) - Level -2.10%
State / Territory DE	Median Y/Y Asset Growth (%) - Level -2.30%
State / Territory FL	Median Y/Y Asset Growth (%) - Level 1.60%
State / Territory GA	Median Y/Y Asset Growth (%) - Level -0.60%
State / Territory GU	Median Y/Y Asset Growth (%) - Level 5.10%
State / Territory HI	Median Y/Y Asset Growth (%) - Level -1.90%
State / Territory IA	Median Y/Y Asset Growth (%) - Level 0.60%
State / Territory ID	Median Y/Y Asset Growth (%) - Level 7.00%
State / Territory IL	Median Y/Y Asset Growth (%) - Level -1.00%
State / Territory IN	Median Y/Y Asset Growth (%) - Level 0.30%
State / Territory KS	Median Y/Y Asset Growth (%) - Level -1.20%
State / Territory KY	Median Y/Y Asset Growth (%) - Level -1.40%
State / Territory LA	Median Y/Y Asset Growth (%) - Level -0.90%
State / Territory MA	Median Y/Y Asset Growth (%) - Level -0.90%
State / Territory MD	Median Y/Y Asset Growth (%) - Level -0.60%
State / Territory ME	Median Y/Y Asset Growth (%) - Level 3.50%
State / Territory MI	Median Y/Y Asset Growth (%) - Level 0.20%
State / Territory MN	Median Y/Y Asset Growth (%) - Level 2.20%
State / Territory MO	Median Y/Y Asset Growth (%) - Level 0.10%
State / Territory MS	Median Y/Y Asset Growth (%) - Level -2.80%
State / Territory MT	Median Y/Y Asset Growth (%) - Level 1.50%
State / Territory NC	Median Y/Y Asset Growth (%) - Level -0.60%
State / Territory ND	Median Y/Y Asset Growth (%) - Level -0.30%
State / Territory NE	Median Y/Y Asset Growth (%) - Level 0.30%
State / Territory NH	Median Y/Y Asset Growth (%) - Level 0.80%
State / Territory NJ	Median Y/Y Asset Growth (%) - Level -2.80%
State / Territory NM	Median Y/Y Asset Growth (%) - Level 2.30%
State / Territory NV	Median Y/Y Asset Growth (%) - Level 0.10%
State / Territory NY	Median Y/Y Asset Growth (%) - Level 0.20%
State / Territory OH	Median Y/Y Asset Growth (%) - Level 0.80%
State / Territory OK	Median Y/Y Asset Growth (%) - Level 0.10%
State / Territory OR	Median Y/Y Asset Growth (%) - Level 0.50%
State / Territory PA	Median Y/Y Asset Growth (%) - Level -1.20%
State / Territory PR	Median Y/Y Asset Growth (%) - Level -0.30%
State / Territory RI	Median Y/Y Asset Growth (%) - Level 1.50%
State / Territory SC	Median Y/Y Asset Growth (%) - Level 1.60%
State / Territory SD	Median Y/Y Asset Growth (%) - Level 0.90%
State / Territory TN	Median Y/Y Asset Growth (%) - Level -0.30%
State / Territory TX	Median Y/Y Asset Growth (%) - Level -0.50%
State / Territory UT	Median Y/Y Asset Growth (%) - Level 2.00%
State / Territory VA	Median Y/Y Asset Growth (%) - Level 0.60%
State / Territory VI	Median Y/Y Asset Growth (%) - Level -1.20%
State / Territory VT	Median Y/Y Asset Growth (%) - Level -0.40%
State / Territory WA	Median Y/Y Asset Growth (%) - Level 1.30%
State / Territory WI	Median Y/Y Asset Growth (%) - Level 0.60%
State / Territory WV	Median Y/Y Asset Growth (%) - Level -0.80%
State / Territory WY	Median Y/Y Asset Growth (%) - Level 3.30%

Highlights

• While aggregate assets in federally insured credit unions continued to grow during the year ending in the first quarter of 2023, at the median, assets declined 0.1 percent. In other words, half of all federally insured credit unions had asset growth at or above negative 0.1 percent and half had asset growth of negative 0.1 percent or less. In the year ending in the first quarter of 2022, the median growth rate in assets was 5.2 percent.
• Over the year ending in the first quarter of 2023, median asset growth was highest in Idaho (7.0 percent) and Alaska (4.7 percent).
• At the median, assets remained roughly unchanged in Arkansas and California and declined in twenty states and Washington, D.C. over the year ending in the first quarter of 2023. Mississippi and New Jersey (both -2.8 percent) experienced the largest decline in median assets, followed by Delaware (-2.3 percent).

Median Annual Share and Deposit Growth

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Median Annual Share and Deposit Growth - First Quarter 2023

State / Territory	Median Y/Y Deposit Growth (%) - Level
State / Territory AK	Median Y/Y Deposit Growth (%) - Level 1.80%
State / Territory AL	Median Y/Y Deposit Growth (%) - Level -1.10%
State / Territory AR	Median Y/Y Deposit Growth (%) - Level -0.40%
State / Territory AZ	Median Y/Y Deposit Growth (%) - Level 0.30%
State / Territory CA	Median Y/Y Deposit Growth (%) - Level -1.70%
State / Territory CO	Median Y/Y Deposit Growth (%) - Level -1.10%
State / Territory CT	Median Y/Y Deposit Growth (%) - Level -1.30%
State / Territory DC	Median Y/Y Deposit Growth (%) - Level -1.40%
State / Territory DE	Median Y/Y Deposit Growth (%) - Level -3.70%
State / Territory FL	Median Y/Y Deposit Growth (%) - Level 0.50%
State / Territory GA	Median Y/Y Deposit Growth (%) - Level -0.60%
State / Territory GU	Median Y/Y Deposit Growth (%) - Level -0.60%
State / Territory HI	Median Y/Y Deposit Growth (%) - Level -1.80%
State / Territory IA	Median Y/Y Deposit Growth (%) - Level -0.50%
State / Territory ID	Median Y/Y Deposit Growth (%) - Level 3.80%
State / Territory IL	Median Y/Y Deposit Growth (%) - Level -1.70%
State / Territory IN	Median Y/Y Deposit Growth (%) - Level -1.00%
State / Territory KS	Median Y/Y Deposit Growth (%) - Level -1.70%
State / Territory KY	Median Y/Y Deposit Growth (%) - Level -2.30%
State / Territory LA	Median Y/Y Deposit Growth (%) - Level -2.00%
State / Territory MA	Median Y/Y Deposit Growth (%) - Level -2.40%
State / Territory MD	Median Y/Y Deposit Growth (%) - Level -1.00%
State / Territory ME	Median Y/Y Deposit Growth (%) - Level 2.50%
State / Territory MI	Median Y/Y Deposit Growth (%) - Level 0.10%
State / Territory MN	Median Y/Y Deposit Growth (%) - Level 1.30%
State / Territory MO	Median Y/Y Deposit Growth (%) - Level -0.40%
State / Territory MS	Median Y/Y Deposit Growth (%) - Level -3.60%
State / Territory MT	Median Y/Y Deposit Growth (%) - Level 0.20%
State / Territory NC	Median Y/Y Deposit Growth (%) - Level -1.90%
State / Territory ND	Median Y/Y Deposit Growth (%) - Level -1.30%
State / Territory NE	Median Y/Y Deposit Growth (%) - Level -1.20%
State / Territory NH	Median Y/Y Deposit Growth (%) - Level -0.30%
State / Territory NJ	Median Y/Y Deposit Growth (%) - Level -3.40%
State / Territory NM	Median Y/Y Deposit Growth (%) - Level 2.20%
State / Territory NV	Median Y/Y Deposit Growth (%) - Level -0.60%
State / Territory NY	Median Y/Y Deposit Growth (%) - Level -0.50%
State / Territory OH	Median Y/Y Deposit Growth (%) - Level 0.20%
State / Territory OK	Median Y/Y Deposit Growth (%) - Level -0.80%
State / Territory OR	Median Y/Y Deposit Growth (%) - Level -1.50%
State / Territory PA	Median Y/Y Deposit Growth (%) - Level -1.90%
State / Territory PR	Median Y/Y Deposit Growth (%) - Level -1.10%
State / Territory RI	Median Y/Y Deposit Growth (%) - Level -2.20%
State / Territory SC	Median Y/Y Deposit Growth (%) - Level 1.40%
State / Territory SD	Median Y/Y Deposit Growth (%) - Level -0.90%
State / Territory TN	Median Y/Y Deposit Growth (%) - Level -1.20%
State / Territory TX	Median Y/Y Deposit Growth (%) - Level -1.30%
State / Territory UT	Median Y/Y Deposit Growth (%) - Level 1.60%
State / Territory VA	Median Y/Y Deposit Growth (%) - Level -0.10%
State / Territory VI	Median Y/Y Deposit Growth (%) - Level -2.40%
State / Territory VT	Median Y/Y Deposit Growth (%) - Level -1.70%
State / Territory WA	Median Y/Y Deposit Growth (%) - Level -0.40%
State / Territory WI	Median Y/Y Deposit Growth (%) - Level 0.10%
State / Territory WV	Median Y/Y Deposit Growth (%) - Level -1.80%
State / Territory WY	Median Y/Y Deposit Growth (%) - Level 2.90%

Highlights

• Nationally, shares and deposits continued to increase in the aggregate during the year ending in the first quarter of 2023, while the median growth in shares and deposits was negative 1.0 percent. In the year ending in the first quarter of 2022, the median growth rate in shares and deposits was 5.7 percent.
• Over the year ending in the first quarter of 2023, median growth in shares and deposits was highest in Idaho (3.8 percent) and Wyoming (2.9 percent).
• At the median, shares and deposits declined in Washington, D.C. and thirty-six states during that time, led by Delaware (-3.7 percent) and Mississippi (-3.6 percent).

Median Annual Membership Growth

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Median Annual Membership Growth - First Quarter 2023

State / Territory	Median Y/Y Member Growth (%) - Level
State / Territory AK	Median Y/Y Member Growth (%) - Level 5.90%
State / Territory AL	Median Y/Y Member Growth (%) - Level 0.30%
State / Territory AR	Median Y/Y Member Growth (%) - Level -0.40%
State / Territory AZ	Median Y/Y Member Growth (%) - Level 2.70%
State / Territory CA	Median Y/Y Member Growth (%) - Level 1.00%
State / Territory CO	Median Y/Y Member Growth (%) - Level 0.90%
State / Territory CT	Median Y/Y Member Growth (%) - Level -0.50%
State / Territory DC	Median Y/Y Member Growth (%) - Level -1.60%
State / Territory DE	Median Y/Y Member Growth (%) - Level -0.20%
State / Territory FL	Median Y/Y Member Growth (%) - Level 2.00%
State / Territory GA	Median Y/Y Member Growth (%) - Level 0.80%
State / Territory GU	Median Y/Y Member Growth (%) - Level 3.90%
State / Territory HI	Median Y/Y Member Growth (%) - Level -0.70%
State / Territory IA	Median Y/Y Member Growth (%) - Level -0.30%
State / Territory ID	Median Y/Y Member Growth (%) - Level 2.90%
State / Territory IL	Median Y/Y Member Growth (%) - Level 0.00%
State / Territory IN	Median Y/Y Member Growth (%) - Level 0.00%
State / Territory KS	Median Y/Y Member Growth (%) - Level 0.00%
State / Territory KY	Median Y/Y Member Growth (%) - Level 0.80%
State / Territory LA	Median Y/Y Member Growth (%) - Level 0.10%
State / Territory MA	Median Y/Y Member Growth (%) - Level 0.00%
State / Territory MD	Median Y/Y Member Growth (%) - Level -0.20%
State / Territory ME	Median Y/Y Member Growth (%) - Level 1.30%
State / Territory MI	Median Y/Y Member Growth (%) - Level 0.40%
State / Territory MN	Median Y/Y Member Growth (%) - Level 1.20%
State / Territory MO	Median Y/Y Member Growth (%) - Level 0.50%
State / Territory MS	Median Y/Y Member Growth (%) - Level 0.50%
State / Territory MT	Median Y/Y Member Growth (%) - Level 0.80%
State / Territory NC	Median Y/Y Member Growth (%) - Level 1.50%
State / Territory ND	Median Y/Y Member Growth (%) - Level -0.10%
State / Territory NE	Median Y/Y Member Growth (%) - Level -0.10%
State / Territory NH	Median Y/Y Member Growth (%) - Level -1.50%
State / Territory NJ	Median Y/Y Member Growth (%) - Level -0.40%
State / Territory NM	Median Y/Y Member Growth (%) - Level 2.20%
State / Territory NV	Median Y/Y Member Growth (%) - Level 3.40%
State / Territory NY	Median Y/Y Member Growth (%) - Level 0.00%
State / Territory OH	Median Y/Y Member Growth (%) - Level 0.00%
State / Territory OK	Median Y/Y Member Growth (%) - Level 0.00%
State / Territory OR	Median Y/Y Member Growth (%) - Level 1.00%
State / Territory PA	Median Y/Y Member Growth (%) - Level -0.90%
State / Territory PR	Median Y/Y Member Growth (%) - Level 8.40%
State / Territory RI	Median Y/Y Member Growth (%) - Level -0.50%
State / Territory SC	Median Y/Y Member Growth (%) - Level 1.00%
State / Territory SD	Median Y/Y Member Growth (%) - Level 0.60%
State / Territory TN	Median Y/Y Member Growth (%) - Level 0.40%
State / Territory TX	Median Y/Y Member Growth (%) - Level 0.00%
State / Territory UT	Median Y/Y Member Growth (%) - Level 0.60%
State / Territory VA	Median Y/Y Member Growth (%) - Level -0.50%
State / Territory VI	Median Y/Y Member Growth (%) - Level 1.10%
State / Territory VT	Median Y/Y Member Growth (%) - Level 1.80%
State / Territory WA	Median Y/Y Member Growth (%) - Level 2.30%
State / Territory WI	Median Y/Y Member Growth (%) - Level 0.00%
State / Territory WV	Median Y/Y Member Growth (%) - Level 0.00%
State / Territory WY	Median Y/Y Member Growth (%) - Level 2.60%

Highlights

• Nationally, membership increased by 0.2 percent at the median in the year ending in the first quarter of 2023. Membership declined by 0.4 percent at the median in the year ending in the first quarter of 2022. Overall, about 53 percent of federally insured credit unions had more members at the end of the first quarter of 2023 than a year earlier. Credit unions with falling membership tend to be small; over 60 percent had less than $50 million in assets in the first quarter of 2023.
• Over the year ending in the first quarter of 2023, credit unions headquartered in Alaska (5.9 percent) and Nevada (3.4 percent) experienced the strongest median membership growth.
• At the median, membership declined in Washington, D.C. and thirteen states over the year. Washington, D.C. (-1.6 percent) and New Hampshire (-1.5 percent) saw the largest median declines in membership during that time. Membership was virtually unchanged in ten states at the median.

Median Annual Loan Growth

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Median Annual Loan Growth - First Quarter 2023

State / Territory	Median Y/Y Loan Growth (%) - Level
State / Territory AK	Median Y/Y Loan Growth (%) - Level 13.70%
State / Territory AL	Median Y/Y Loan Growth (%) - Level 12.30%
State / Territory AR	Median Y/Y Loan Growth (%) - Level 14.80%
State / Territory AZ	Median Y/Y Loan Growth (%) - Level 16.90%
State / Territory CA	Median Y/Y Loan Growth (%) - Level 14.70%
State / Territory CO	Median Y/Y Loan Growth (%) - Level 13.50%
State / Territory CT	Median Y/Y Loan Growth (%) - Level 12.60%
State / Territory DC	Median Y/Y Loan Growth (%) - Level 11.30%
State / Territory DE	Median Y/Y Loan Growth (%) - Level 7.50%
State / Territory FL	Median Y/Y Loan Growth (%) - Level 16.60%
State / Territory GA	Median Y/Y Loan Growth (%) - Level 13.10%
State / Territory GU	Median Y/Y Loan Growth (%) - Level 16.70%
State / Territory HI	Median Y/Y Loan Growth (%) - Level 13.90%
State / Territory IA	Median Y/Y Loan Growth (%) - Level 12.30%
State / Territory ID	Median Y/Y Loan Growth (%) - Level 17.60%
State / Territory IL	Median Y/Y Loan Growth (%) - Level 14.30%
State / Territory IN	Median Y/Y Loan Growth (%) - Level 14.20%
State / Territory KS	Median Y/Y Loan Growth (%) - Level 11.30%
State / Territory KY	Median Y/Y Loan Growth (%) - Level 12.40%
State / Territory LA	Median Y/Y Loan Growth (%) - Level 11.10%
State / Territory MA	Median Y/Y Loan Growth (%) - Level 13.10%
State / Territory MD	Median Y/Y Loan Growth (%) - Level 11.50%
State / Territory ME	Median Y/Y Loan Growth (%) - Level 12.50%
State / Territory MI	Median Y/Y Loan Growth (%) - Level 14.20%
State / Territory MN	Median Y/Y Loan Growth (%) - Level 12.40%
State / Territory MO	Median Y/Y Loan Growth (%) - Level 16.30%
State / Territory MS	Median Y/Y Loan Growth (%) - Level 11.90%
State / Territory MT	Median Y/Y Loan Growth (%) - Level 15.50%
State / Territory NC	Median Y/Y Loan Growth (%) - Level 14.00%
State / Territory ND	Median Y/Y Loan Growth (%) - Level 14.50%
State / Territory NE	Median Y/Y Loan Growth (%) - Level 11.90%
State / Territory NH	Median Y/Y Loan Growth (%) - Level 14.10%
State / Territory NJ	Median Y/Y Loan Growth (%) - Level 11.70%
State / Territory NM	Median Y/Y Loan Growth (%) - Level 13.50%
State / Territory NV	Median Y/Y Loan Growth (%) - Level 20.30%
State / Territory NY	Median Y/Y Loan Growth (%) - Level 14.40%
State / Territory OH	Median Y/Y Loan Growth (%) - Level 13.30%
State / Territory OK	Median Y/Y Loan Growth (%) - Level 10.60%
State / Territory OR	Median Y/Y Loan Growth (%) - Level 14.10%
State / Territory PA	Median Y/Y Loan Growth (%) - Level 12.30%
State / Territory PR	Median Y/Y Loan Growth (%) - Level 16.70%
State / Territory RI	Median Y/Y Loan Growth (%) - Level 10.70%
State / Territory SC	Median Y/Y Loan Growth (%) - Level 13.80%
State / Territory SD	Median Y/Y Loan Growth (%) - Level 15.10%
State / Territory TN	Median Y/Y Loan Growth (%) - Level 13.20%
State / Territory TX	Median Y/Y Loan Growth (%) - Level 12.80%
State / Territory UT	Median Y/Y Loan Growth (%) - Level 12.70%
State / Territory VA	Median Y/Y Loan Growth (%) - Level 12.10%
State / Territory VI	Median Y/Y Loan Growth (%) - Level 13.60%
State / Territory VT	Median Y/Y Loan Growth (%) - Level 13.90%
State / Territory WA	Median Y/Y Loan Growth (%) - Level 17.90%
State / Territory WI	Median Y/Y Loan Growth (%) - Level 10.40%
State / Territory WV	Median Y/Y Loan Growth (%) - Level 12.30%
State / Territory WY	Median Y/Y Loan Growth (%) - Level 11.80%

Highlights

• Nationally, loans outstanding rose by 13.3 percent at the median over the year ending in the first quarter of 2023. During the previous year, loans grew by 4.6 percent at the median.
• Over the year ending in the first quarter of 2023, median loan growth was strongest in Nevada (20.3 percent) and Washington (17.9 percent).
• At the median, loans outstanding grew the least in Delaware (7.5 percent) and Wisconsin (10.4 percent) during that time.

Median Total Delinquency Rate

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Median Total Delinquency Rate - First Quarter 2023

State / Territory	Median Total Delinquency Rate (bps) - Level
State / Territory AK	Median Total Delinquency Rate (bps) - Level 68
State / Territory AL	Median Total Delinquency Rate (bps) - Level 48
State / Territory AR	Median Total Delinquency Rate (bps) - Level 41
State / Territory AZ	Median Total Delinquency Rate (bps) - Level 38
State / Territory CA	Median Total Delinquency Rate (bps) - Level 26
State / Territory CO	Median Total Delinquency Rate (bps) - Level 34
State / Territory CT	Median Total Delinquency Rate (bps) - Level 37
State / Territory DC	Median Total Delinquency Rate (bps) - Level 60
State / Territory DE	Median Total Delinquency Rate (bps) - Level 61
State / Territory FL	Median Total Delinquency Rate (bps) - Level 25
State / Territory GA	Median Total Delinquency Rate (bps) - Level 36
State / Territory GU	Median Total Delinquency Rate (bps) - Level 28
State / Territory HI	Median Total Delinquency Rate (bps) - Level 38
State / Territory IA	Median Total Delinquency Rate (bps) - Level 41
State / Territory ID	Median Total Delinquency Rate (bps) - Level 41
State / Territory IL	Median Total Delinquency Rate (bps) - Level 39
State / Territory IN	Median Total Delinquency Rate (bps) - Level 47
State / Territory KS	Median Total Delinquency Rate (bps) - Level 36
State / Territory KY	Median Total Delinquency Rate (bps) - Level 48
State / Territory LA	Median Total Delinquency Rate (bps) - Level 59
State / Territory MA	Median Total Delinquency Rate (bps) - Level 27
State / Territory MD	Median Total Delinquency Rate (bps) - Level 43
State / Territory ME	Median Total Delinquency Rate (bps) - Level 27
State / Territory MI	Median Total Delinquency Rate (bps) - Level 40
State / Territory MN	Median Total Delinquency Rate (bps) - Level 30
State / Territory MO	Median Total Delinquency Rate (bps) - Level 34
State / Territory MS	Median Total Delinquency Rate (bps) - Level 71
State / Territory MT	Median Total Delinquency Rate (bps) - Level 21
State / Territory NC	Median Total Delinquency Rate (bps) - Level 51
State / Territory ND	Median Total Delinquency Rate (bps) - Level 18
State / Territory NE	Median Total Delinquency Rate (bps) - Level 46
State / Territory NH	Median Total Delinquency Rate (bps) - Level 14
State / Territory NJ	Median Total Delinquency Rate (bps) - Level 88
State / Territory NM	Median Total Delinquency Rate (bps) - Level 35
State / Territory NV	Median Total Delinquency Rate (bps) - Level 24
State / Territory NY	Median Total Delinquency Rate (bps) - Level 46
State / Territory OH	Median Total Delinquency Rate (bps) - Level 33
State / Territory OK	Median Total Delinquency Rate (bps) - Level 43
State / Territory OR	Median Total Delinquency Rate (bps) - Level 28
State / Territory PA	Median Total Delinquency Rate (bps) - Level 49
State / Territory PR	Median Total Delinquency Rate (bps) - Level 16
State / Territory RI	Median Total Delinquency Rate (bps) - Level 20
State / Territory SC	Median Total Delinquency Rate (bps) - Level 46
State / Territory SD	Median Total Delinquency Rate (bps) - Level 34
State / Territory TN	Median Total Delinquency Rate (bps) - Level 37
State / Territory TX	Median Total Delinquency Rate (bps) - Level 36
State / Territory UT	Median Total Delinquency Rate (bps) - Level 13
State / Territory VA	Median Total Delinquency Rate (bps) - Level 56
State / Territory VI	Median Total Delinquency Rate (bps) - Level 99
State / Territory VT	Median Total Delinquency Rate (bps) - Level 84
State / Territory WA	Median Total Delinquency Rate (bps) - Level 25
State / Territory WI	Median Total Delinquency Rate (bps) - Level 27
State / Territory WV	Median Total Delinquency Rate (bps) - Level 36
State / Territory WY	Median Total Delinquency Rate (bps) - Level 50

Highlights

• At the end of the first quarter of 2023, the median total delinquency rate among federally insured credit unions was 38 basis points, compared with 32 basis points in the first quarter of 2022.
• At the end of the first quarter of 2023, the median delinquency rate was highest in New Jersey (88 basis points) and Vermont (84 basis points).
• The median delinquency rate was lowest in Utah (13 basis points) and New Hampshire (14 basis points) at that time.

Median Loan-to-Share Ratio

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Median Loan-to-Share Ratio - First Quarter 2023

State / Territory	Median Loan to Share Ratio (%) - Level
State / Territory AK	Median Loan to Share Ratio (%) - Level 73.00%
State / Territory AL	Median Loan to Share Ratio (%) - Level 58.00%
State / Territory AR	Median Loan to Share Ratio (%) - Level 71.00%
State / Territory AZ	Median Loan to Share Ratio (%) - Level 72.00%
State / Territory CA	Median Loan to Share Ratio (%) - Level 68.00%
State / Territory CO	Median Loan to Share Ratio (%) - Level 76.00%
State / Territory CT	Median Loan to Share Ratio (%) - Level 48.00%
State / Territory DC	Median Loan to Share Ratio (%) - Level 57.00%
State / Territory DE	Median Loan to Share Ratio (%) - Level 42.00%
State / Territory FL	Median Loan to Share Ratio (%) - Level 69.00%
State / Territory GA	Median Loan to Share Ratio (%) - Level 72.00%
State / Territory GU	Median Loan to Share Ratio (%) - Level 89.00%
State / Territory HI	Median Loan to Share Ratio (%) - Level 50.00%
State / Territory IA	Median Loan to Share Ratio (%) - Level 78.00%
State / Territory ID	Median Loan to Share Ratio (%) - Level 89.00%
State / Territory IL	Median Loan to Share Ratio (%) - Level 61.00%
State / Territory IN	Median Loan to Share Ratio (%) - Level 67.00%
State / Territory KS	Median Loan to Share Ratio (%) - Level 66.00%
State / Territory KY	Median Loan to Share Ratio (%) - Level 65.00%
State / Territory LA	Median Loan to Share Ratio (%) - Level 63.00%
State / Territory MA	Median Loan to Share Ratio (%) - Level 65.00%
State / Territory MD	Median Loan to Share Ratio (%) - Level 65.00%
State / Territory ME	Median Loan to Share Ratio (%) - Level 75.00%
State / Territory MI	Median Loan to Share Ratio (%) - Level 63.00%
State / Territory MN	Median Loan to Share Ratio (%) - Level 73.00%
State / Territory MO	Median Loan to Share Ratio (%) - Level 74.00%
State / Territory MS	Median Loan to Share Ratio (%) - Level 64.00%
State / Territory MT	Median Loan to Share Ratio (%) - Level 62.00%
State / Territory NC	Median Loan to Share Ratio (%) - Level 74.00%
State / Territory ND	Median Loan to Share Ratio (%) - Level 67.00%
State / Territory NE	Median Loan to Share Ratio (%) - Level 68.00%
State / Territory NH	Median Loan to Share Ratio (%) - Level 66.00%
State / Territory NJ	Median Loan to Share Ratio (%) - Level 46.00%
State / Territory NM	Median Loan to Share Ratio (%) - Level 70.00%
State / Territory NV	Median Loan to Share Ratio (%) - Level 67.00%
State / Territory NY	Median Loan to Share Ratio (%) - Level 58.00%
State / Territory OH	Median Loan to Share Ratio (%) - Level 61.00%
State / Territory OK	Median Loan to Share Ratio (%) - Level 74.00%
State / Territory OR	Median Loan to Share Ratio (%) - Level 74.00%
State / Territory PA	Median Loan to Share Ratio (%) - Level 47.00%
State / Territory PR	Median Loan to Share Ratio (%) - Level 76.00%
State / Territory RI	Median Loan to Share Ratio (%) - Level 66.00%
State / Territory SC	Median Loan to Share Ratio (%) - Level 68.00%
State / Territory SD	Median Loan to Share Ratio (%) - Level 67.00%
State / Territory TN	Median Loan to Share Ratio (%) - Level 71.00%
State / Territory TX	Median Loan to Share Ratio (%) - Level 72.00%
State / Territory UT	Median Loan to Share Ratio (%) - Level 82.00%
State / Territory VA	Median Loan to Share Ratio (%) - Level 61.00%
State / Territory VI	Median Loan to Share Ratio (%) - Level 32.00%
State / Territory VT	Median Loan to Share Ratio (%) - Level 79.00%
State / Territory WA	Median Loan to Share Ratio (%) - Level 78.00%
State / Territory WI	Median Loan to Share Ratio (%) - Level 81.00%
State / Territory WV	Median Loan to Share Ratio (%) - Level 56.00%
State / Territory WY	Median Loan to Share Ratio (%) - Level 85.00%

Highlights

Loan-to-share ratios are rounded to the nearest percentage point.

• Nationally, the median ratio of total loans outstanding to total shares and deposits (the loan-to-share ratio) was 65 percent at the end of the first quarter of 2023. At the end of the first quarter of 2022, the median loan-to-share ratio was 56 percent.
• The median loan-to-share ratio was highest in Idaho (89 percent) and Wyoming (85 percent) at the end of the first quarter of 2023.
• The median loan-to-share ratio was lowest in Delaware (42 percent) and New Jersey (46 percent) at that time.

Median Return on Average Assets

NCUA Quarterly Map Review - Credit Union Indicators Summary

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Median Return on Average Assets - First Quarter 2023

State / Territory	Median Annualized YTD ROAA (bps) - Level
State / Territory AK	Median Annualized YTD ROAA (bps) - Level 84
State / Territory AL	Median Annualized YTD ROAA (bps) - Level 63
State / Territory AR	Median Annualized YTD ROAA (bps) - Level 58
State / Territory AZ	Median Annualized YTD ROAA (bps) - Level 75
State / Territory CA	Median Annualized YTD ROAA (bps) - Level 50
State / Territory CO	Median Annualized YTD ROAA (bps) - Level 58
State / Territory CT	Median Annualized YTD ROAA (bps) - Level 67
State / Territory DC	Median Annualized YTD ROAA (bps) - Level 42
State / Territory DE	Median Annualized YTD ROAA (bps) - Level 30
State / Territory FL	Median Annualized YTD ROAA (bps) - Level 79
State / Territory GA	Median Annualized YTD ROAA (bps) - Level 80
State / Territory GU	Median Annualized YTD ROAA (bps) - Level 50
State / Territory HI	Median Annualized YTD ROAA (bps) - Level 61
State / Territory IA	Median Annualized YTD ROAA (bps) - Level 78
State / Territory ID	Median Annualized YTD ROAA (bps) - Level 57
State / Territory IL	Median Annualized YTD ROAA (bps) - Level 57
State / Territory IN	Median Annualized YTD ROAA (bps) - Level 65
State / Territory KS	Median Annualized YTD ROAA (bps) - Level 50
State / Territory KY	Median Annualized YTD ROAA (bps) - Level 80
State / Territory LA	Median Annualized YTD ROAA (bps) - Level 58
State / Territory MA	Median Annualized YTD ROAA (bps) - Level 51
State / Territory MD	Median Annualized YTD ROAA (bps) - Level 51
State / Territory ME	Median Annualized YTD ROAA (bps) - Level 70
State / Territory MI	Median Annualized YTD ROAA (bps) - Level 75
State / Territory MN	Median Annualized YTD ROAA (bps) - Level 67
State / Territory MO	Median Annualized YTD ROAA (bps) - Level 41
State / Territory MS	Median Annualized YTD ROAA (bps) - Level 68
State / Territory MT	Median Annualized YTD ROAA (bps) - Level 39
State / Territory NC	Median Annualized YTD ROAA (bps) - Level 84
State / Territory ND	Median Annualized YTD ROAA (bps) - Level 71
State / Territory NE	Median Annualized YTD ROAA (bps) - Level 52
State / Territory NH	Median Annualized YTD ROAA (bps) - Level 94
State / Territory NJ	Median Annualized YTD ROAA (bps) - Level 32
State / Territory NM	Median Annualized YTD ROAA (bps) - Level 77
State / Territory NV	Median Annualized YTD ROAA (bps) - Level 99
State / Territory NY	Median Annualized YTD ROAA (bps) - Level 67
State / Territory OH	Median Annualized YTD ROAA (bps) - Level 60
State / Territory OK	Median Annualized YTD ROAA (bps) - Level 56
State / Territory OR	Median Annualized YTD ROAA (bps) - Level 81
State / Territory PA	Median Annualized YTD ROAA (bps) - Level 55
State / Territory PR	Median Annualized YTD ROAA (bps) - Level 91
State / Territory RI	Median Annualized YTD ROAA (bps) - Level 67
State / Territory SC	Median Annualized YTD ROAA (bps) - Level 97
State / Territory SD	Median Annualized YTD ROAA (bps) - Level 60
State / Territory TN	Median Annualized YTD ROAA (bps) - Level 84
State / Territory TX	Median Annualized YTD ROAA (bps) - Level 58
State / Territory UT	Median Annualized YTD ROAA (bps) - Level 71
State / Territory VA	Median Annualized YTD ROAA (bps) - Level 60
State / Territory VI	Median Annualized YTD ROAA (bps) - Level 113
State / Territory VT	Median Annualized YTD ROAA (bps) - Level 95
State / Territory WA	Median Annualized YTD ROAA (bps) - Level 71
State / Territory WI	Median Annualized YTD ROAA (bps) - Level 64
State / Territory WV	Median Annualized YTD ROAA (bps) - Level 64
State / Territory WY	Median Annualized YTD ROAA (bps) - Level 81

Highlights

• Nationally, the median annualized return on average assets at federally insured credit unions was 61 basis points in the first quarter of 2023, compared with 42 basis points in the first quarter of 2022.
• Nevada (99 basis points) and South Carolina (97 basis points) had the highest median annualized return on average assets in the first quarter of 2023.
• Delaware (30 basis points) and New Jersey (32 basis points) had the lowest median annualized return on average assets during that time.

Share of Credit Unions with Positive Net Income

NCUA Quarterly Map Review - Credit Union Indicators Summary

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Share of Credit Unions with Positive Net Income - First Quarter 2023

State / Territory	Share of FICUs with Positive YTD Net Income (%) - Level
State / Territory AK	Share of FICUs with Positive YTD Net Income (%) - Level 89.00%
State / Territory AL	Share of FICUs with Positive YTD Net Income (%) - Level 82.00%
State / Territory AR	Share of FICUs with Positive YTD Net Income (%) - Level 74.00%
State / Territory AZ	Share of FICUs with Positive YTD Net Income (%) - Level 94.00%
State / Territory CA	Share of FICUs with Positive YTD Net Income (%) - Level 84.00%
State / Territory CO	Share of FICUs with Positive YTD Net Income (%) - Level 86.00%
State / Territory CT	Share of FICUs with Positive YTD Net Income (%) - Level 84.00%
State / Territory DC	Share of FICUs with Positive YTD Net Income (%) - Level 71.00%
State / Territory DE	Share of FICUs with Positive YTD Net Income (%) - Level 71.00%
State / Territory FL	Share of FICUs with Positive YTD Net Income (%) - Level 89.00%
State / Territory GA	Share of FICUs with Positive YTD Net Income (%) - Level 84.00%
State / Territory GU	Share of FICUs with Positive YTD Net Income (%) - Level 100.00%
State / Territory HI	Share of FICUs with Positive YTD Net Income (%) - Level 85.00%
State / Territory IA	Share of FICUs with Positive YTD Net Income (%) - Level 91.00%
State / Territory ID	Share of FICUs with Positive YTD Net Income (%) - Level 91.00%
State / Territory IL	Share of FICUs with Positive YTD Net Income (%) - Level 84.00%
State / Territory IN	Share of FICUs with Positive YTD Net Income (%) - Level 83.00%
State / Territory KS	Share of FICUs with Positive YTD Net Income (%) - Level 76.00%
State / Territory KY	Share of FICUs with Positive YTD Net Income (%) - Level 82.00%
State / Territory LA	Share of FICUs with Positive YTD Net Income (%) - Level 78.00%
State / Territory MA	Share of FICUs with Positive YTD Net Income (%) - Level 85.00%
State / Territory MD	Share of FICUs with Positive YTD Net Income (%) - Level 79.00%
State / Territory ME	Share of FICUs with Positive YTD Net Income (%) - Level 98.00%
State / Territory MI	Share of FICUs with Positive YTD Net Income (%) - Level 90.00%
State / Territory MN	Share of FICUs with Positive YTD Net Income (%) - Level 94.00%
State / Territory MO	Share of FICUs with Positive YTD Net Income (%) - Level 82.00%
State / Territory MS	Share of FICUs with Positive YTD Net Income (%) - Level 74.00%
State / Territory MT	Share of FICUs with Positive YTD Net Income (%) - Level 91.00%
State / Territory NC	Share of FICUs with Positive YTD Net Income (%) - Level 83.00%
State / Territory ND	Share of FICUs with Positive YTD Net Income (%) - Level 87.00%
State / Territory NE	Share of FICUs with Positive YTD Net Income (%) - Level 76.00%
State / Territory NH	Share of FICUs with Positive YTD Net Income (%) - Level 85.00%
State / Territory NJ	Share of FICUs with Positive YTD Net Income (%) - Level 74.00%
State / Territory NM	Share of FICUs with Positive YTD Net Income (%) - Level 85.00%
State / Territory NV	Share of FICUs with Positive YTD Net Income (%) - Level 100.00%
State / Territory NY	Share of FICUs with Positive YTD Net Income (%) - Level 81.00%
State / Territory OH	Share of FICUs with Positive YTD Net Income (%) - Level 89.00%
State / Territory OK	Share of FICUs with Positive YTD Net Income (%) - Level 86.00%
State / Territory OR	Share of FICUs with Positive YTD Net Income (%) - Level 89.00%
State / Territory PA	Share of FICUs with Positive YTD Net Income (%) - Level 83.00%
State / Territory PR	Share of FICUs with Positive YTD Net Income (%) - Level 60.00%
State / Territory RI	Share of FICUs with Positive YTD Net Income (%) - Level 94.00%
State / Territory SC	Share of FICUs with Positive YTD Net Income (%) - Level 89.00%
State / Territory SD	Share of FICUs with Positive YTD Net Income (%) - Level 86.00%
State / Territory TN	Share of FICUs with Positive YTD Net Income (%) - Level 84.00%
State / Territory TX	Share of FICUs with Positive YTD Net Income (%) - Level 85.00%
State / Territory UT	Share of FICUs with Positive YTD Net Income (%) - Level 95.00%
State / Territory VA	Share of FICUs with Positive YTD Net Income (%) - Level 87.00%
State / Territory VI	Share of FICUs with Positive YTD Net Income (%) - Level 80.00%
State / Territory VT	Share of FICUs with Positive YTD Net Income (%) - Level 88.00%
State / Territory WA	Share of FICUs with Positive YTD Net Income (%) - Level 94.00%
State / Territory WI	Share of FICUs with Positive YTD Net Income (%) - Level 92.00%
State / Territory WV	Share of FICUs with Positive YTD Net Income (%) - Level 84.00%
State / Territory WY	Share of FICUs with Positive YTD Net Income (%) - Level 85.00%

Highlights

Shares of federally insured credit unions with positive net income are rounded to the nearest percentage point.

• Nationally, 85 percent of federally insured credit unions had positive net income in the first quarter of 2023, compared with 77 percent in the first quarter of 2022.
• At least 70 percent of federally insured credit unions in every state and Washington, D.C. had positive net income in the first quarter of 2023.
• The share of federally insured credit unions with positive net income in the first quarter of 2023 was highest in Nevada (100 percent) and Maine (98 percent).
• The share was lowest in Delaware and Washington, D.C. (both 71 percent), followed by Arkansas, Mississippi, and New Jersey (all 74 percent).

Tables and Downloads

• 2023 Q1 Summary Tables (Accessible web page)
• U.S. Summary Tables (Accessible web page)
• 2023 Q1 Summary Tables (ZIP workbook) (Opens new window)
• Download CSV for NCUA Quarterly Map Review - Economic Indicators Summary
• Download CSV for NCUA Quarterly Map Review - Credit Union Indicators Summary

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