The NCUA Quarterly U.S. Map Review for the fourth quarter of 2016 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 fourth quarter of 2015 through the fourth quarter of 2016. 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. 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 | 1.70% |
| AL | 2.50% |
| AR | 0.50% |
| AZ | 5.30% |
| CA | 4.90% |
| CO | 4.90% |
| CT | 1.50% |
| DC | 1.10% |
| DE | 2.20% |
| FL | 5.00% |
| GA | 3.60% |
| GU | 5.50% |
| HI | 2.50% |
| IA | 3.70% |
| ID | 5.40% |
| IL | 2.30% |
| IN | 2.70% |
| KS | 2.10% |
| KY | 3.90% |
| LA | 1.20% |
| MA | 2.80% |
| MD | 2.40% |
| ME | 6.10% |
| MI | 4.50% |
| MN | 4.50% |
| MO | 3.40% |
| MS | 2.50% |
| MT | 3.90% |
| NC | 3.70% |
| ND | 4.00% |
| NE | 2.20% |
| NH | 3.90% |
| NJ | 1.80% |
| NM | 4.50% |
| NV | 6.40% |
| NY | 4.10% |
| OH | 2.70% |
| OK | 1.40% |
| OR | 6.90% |
| PA | 2.00% |
| PR | 1.20% |
| RI | 3.60% |
| SC | 5.80% |
| SD | 3.10% |
| TN | 3.50% |
| TX | 2.20% |
| UT | 6.30% |
| VA | 2.50% |
| VI | 4.70% |
| VT | 4.00% |
| WA | 6.30% |
| WI | 3.20% |
| WV | 2.00% |
| WY | 1.90% |
Highlights
- Nationally, the median asset growth rate over the year ending in the fourth quarter of 2016 was 3.2 percent. In other words, half of all federally insured credit unions had asset growth at or above 3.2 percent and half had asset growth of 3.2 percent or less. In the year ending in the fourth quarter of 2015, the median growth rate in assets was 3.3 percent.
- At the median, assets rose in each state over the year ending in the fourth quarter of 2016. Median asset growth was highest in Oregon (6.9 percent), followed by Nevada (6.4 percent).
- Median asset growth was slowest in Arkansas (0.5 percent) and the District of Columbia (1.1 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 | 2.60% |
| AL | 3.00% |
| AR | 0.30% |
| AZ | 5.40% |
| CA | 4.90% |
| CO | 5.40% |
| CT | 0.70% |
| DC | 2.00% |
| DE | 2.70% |
| FL | 5.40% |
| GA | 3.70% |
| GU | 8.20% |
| HI | 2.70% |
| IA | 3.30% |
| ID | 5.50% |
| IL | 2.50% |
| IN | 2.90% |
| KS | 1.90% |
| KY | 4.30% |
| LA | 0.50% |
| MA | 3.10% |
| MD | 2.60% |
| ME | 5.80% |
| MI | 4.60% |
| MN | 4.50% |
| MO | 3.50% |
| MS | 2.70% |
| MT | 3.80% |
| NC | 3.70% |
| ND | 2.20% |
| NE | 1.70% |
| NH | 6.20% |
| NJ | 2.00% |
| NM | 3.70% |
| NV | 6.20% |
| NY | 4.40% |
| OH | 3.00% |
| OK | 1.60% |
| OR | 6.60% |
| PA | 1.90% |
| PR | 1.40% |
| RI | 4.40% |
| SC | 5.30% |
| SD | 3.00% |
| TN | 3.20% |
| TX | 2.20% |
| UT | 6.20% |
| VA | 2.40% |
| VI | 6.50% |
| VT | 3.50% |
| WA | 6.70% |
| WI | 3.30% |
| WV | 1.70% |
| WY | 1.60% |
Highlights
- Nationally, the median growth rate in shares and deposits over the year ending in the fourth quarter of 2016 was 3.3 percent. In the year ending in the fourth quarter of 2015, the median growth rate in shares and deposits was 3.6 percent.
- At the median, shares and deposits rose in each state over the year ending in the fourth quarter of 2016. The median growth rate in shares and deposits was highest in Washington (6.7 percent) and Oregon (6.6 percent).
- The median growth rate in shares and deposits was lowest in Arkansas (0.3 percent) and Louisiana (0.5 percent).
Median Annual Membership 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 Member Growth (%) - Level |
|---|---|
| AK | 2.40% |
| AL | 0.50% |
| AR | -0.50% |
| AZ | 0.90% |
| CA | 0.50% |
| CO | -0.20% |
| CT | -0.20% |
| DC | -1.90% |
| DE | 1.80% |
| FL | 1.20% |
| GA | 0.70% |
| GU | -3.80% |
| HI | 0.30% |
| IA | -0.20% |
| ID | 1.30% |
| IL | -0.40% |
| IN | 0.00% |
| KS | 0.70% |
| KY | -0.70% |
| LA | -0.50% |
| MA | -0.40% |
| MD | -0.50% |
| ME | 2.00% |
| MI | 0.20% |
| MN | 0.10% |
| MO | 0.00% |
| MS | 1.20% |
| MT | -0.80% |
| NC | 0.50% |
| ND | -0.50% |
| NE | -0.40% |
| NH | 0.00% |
| NJ | -1.40% |
| NM | 1.50% |
| NV | 0.80% |
| NY | 0.00% |
| OH | -0.80% |
| OK | -0.60% |
| OR | 1.60% |
| PA | -1.50% |
| PR | -2.50% |
| RI | -0.80% |
| SC | 1.50% |
| SD | 1.20% |
| TN | -0.10% |
| TX | -0.50% |
| UT | 1.20% |
| VA | -0.10% |
| VI | 3.20% |
| VT | 1.10% |
| WA | 1.80% |
| WI | 0.00% |
| WV | -0.70% |
| WY | -0.50% |
Highlights
- While overall membership in federally insured credit unions continued to grow in the year ending in the fourth quarter of 2016, at the median, membership declined 0.1 percent. Over the previous year, the median membership growth rate was -0.2 percent. Overall, 51 percent of federally insured credit unions had fewer members at the end of the fourth quarter of 2016 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 fourth quarter of 2016, Alaska had the highest median membership growth rate (2.4 percent), followed by Maine (2.0 percent).
- In 23 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 (-1.9 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 | 8.90% |
| AL | 3.00% |
| AR | 2.80% |
| AZ | 6.80% |
| CA | 7.80% |
| CO | 6.70% |
| CT | 0.10% |
| DC | 4.80% |
| DE | 6.10% |
| FL | 5.50% |
| GA | 4.20% |
| GU | 6.30% |
| HI | 5.10% |
| IA | 5.00% |
| ID | 7.60% |
| IL | 3.20% |
| IN | 3.50% |
| KS | 4.80% |
| KY | 5.60% |
| LA | 2.50% |
| MA | 4.30% |
| MD | 3.20% |
| ME | 7.70% |
| MI | 5.70% |
| MN | 5.40% |
| MO | 6.00% |
| MS | 5.10% |
| MT | 4.20% |
| NC | 4.60% |
| ND | 1.20% |
| NE | 1.90% |
| NH | 5.40% |
| NJ | 1.30% |
| NM | 2.90% |
| NV | 6.60% |
| NY | 3.20% |
| OH | 2.60% |
| OK | 3.30% |
| OR | 8.90% |
| PA | 0.60% |
| PR | -5.80% |
| RI | 5.60% |
| SC | 7.70% |
| SD | 3.00% |
| TN | 4.60% |
| TX | 3.30% |
| UT | 5.80% |
| VA | 3.60% |
| VI | -7.00% |
| VT | 5.20% |
| WA | 8.60% |
| WI | 3.90% |
| WV | 2.60% |
| WY | 2.50% |
Highlights
- Nationally, the median growth rate in loans outstanding was 4.0 percent over the year ending in the fourth quarter of 2016, matching the median loan growth rate during 2015.
- At the median, loans outstanding rose in each state over the year ending in the fourth quarter of 2016. The highest median growth rate in loans outstanding was in Oregon and Alaska (both 8.9 percent), followed by Washington (8.6 percent).
- Median loan growth was slowest in Connecticut (0.1 percent) and Pennsylvania (0.6 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 | 118 |
| AL | 111 |
| AR | 89 |
| AZ | 73 |
| CA | 42 |
| CO | 49 |
| CT | 82 |
| DC | 127 |
| DE | 116 |
| FL | 66 |
| GA | 83 |
| GU | 100 |
| HI | 77 |
| IA | 87 |
| ID | 52 |
| IL | 86 |
| IN | 88 |
| KS | 92 |
| KY | 86 |
| LA | 139 |
| MA | 56 |
| MD | 81 |
| ME | 69 |
| MI | 83 |
| MN | 49 |
| MO | 73 |
| MS | 143 |
| MT | 65 |
| NC | 115 |
| ND | 36 |
| NE | 74 |
| NH | 39 |
| NJ | 168 |
| NM | 77 |
| NV | 43 |
| NY | 96 |
| OH | 92 |
| OK | 87 |
| OR | 38 |
| PA | 94 |
| PR | 53 |
| RI | 54 |
| SC | 74 |
| SD | 64 |
| TN | 68 |
| TX | 81 |
| UT | 43 |
| VA | 102 |
| VI | 297 |
| VT | 88 |
| WA | 45 |
| WI | 65 |
| WV | 136 |
| WY | 84 |
Highlights
- At the end of the fourth quarter of 2016, the median total delinquency rate among federally insured credit unions was 81 basis points, unchanged from the fourth quarter of 2015.
- At the end of the fourth quarter of 2016, the median delinquency rate was highest in New Jersey (168 basis points), followed by Mississippi (143 basis points).
- The median delinquency rate was lowest in North Dakota (36 basis points), followed by Oregon (38 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 | 86.00% |
| AL | 60.00% |
| AR | 75.00% |
| AZ | 73.00% |
| CA | 59.00% |
| CO | 67.00% |
| CT | 53.00% |
| DC | 54.00% |
| DE | 46.00% |
| FL | 64.00% |
| GA | 64.00% |
| GU | 89.00% |
| HI | 47.00% |
| IA | 70.00% |
| ID | 87.00% |
| IL | 58.00% |
| IN | 66.00% |
| KS | 72.00% |
| KY | 63.00% |
| LA | 62.00% |
| MA | 62.00% |
| MD | 59.00% |
| ME | 83.00% |
| MI | 63.00% |
| MN | 73.00% |
| MO | 63.00% |
| MS | 55.00% |
| MT | 62.00% |
| NC | 70.00% |
| ND | 65.00% |
| NE | 64.00% |
| NH | 76.00% |
| NJ | 49.00% |
| NM | 70.00% |
| NV | 58.00% |
| NY | 57.00% |
| OH | 61.00% |
| OK | 68.00% |
| OR | 70.00% |
| PA | 50.00% |
| PR | 65.00% |
| RI | 69.00% |
| SC | 69.00% |
| SD | 71.00% |
| TN | 67.00% |
| TX | 66.00% |
| UT | 77.00% |
| VA | 61.00% |
| VI | 57.00% |
| VT | 82.00% |
| WA | 75.00% |
| WI | 80.00% |
| WV | 57.00% |
| WY | 71.00% |
Highlights
- Nationally, the median ratio of total loans outstanding to total shares and deposits (the loans-to-shares ratio) was 64 percent at the end of the fourth quarter of 2016. At the end of the fourth quarter of 2015, the median loans-to-shares ratio was 62 percent.
- The median loans-to-shares ratio was highest in Idaho (87 percent) and Alaska (86 percent).
- The median loans-to-shares ratio was lowest in Delaware (46 percent), followed by Hawaii (47 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 | 55 |
| AL | 38 |
| AR | 14 |
| AZ | 50 |
| CA | 44 |
| CO | 42 |
| CT | 20 |
| DC | 6 |
| DE | 12 |
| FL | 47 |
| GA | 39 |
| GU | 52 |
| HI | 38 |
| IA | 50 |
| ID | 49 |
| IL | 28 |
| IN | 35 |
| KS | 33 |
| KY | 32 |
| LA | 27 |
| MA | 18 |
| MD | 25 |
| ME | 57 |
| MI | 47 |
| MN | 47 |
| MO | 32 |
| MS | 45 |
| MT | 35 |
| NC | 34 |
| ND | 53 |
| NE | 34 |
| NH | 39 |
| NJ | 20 |
| NM | 62 |
| NV | 70 |
| NY | 27 |
| OH | 21 |
| OK | 29 |
| OR | 65 |
| PA | 20 |
| PR | 23 |
| RI | 36 |
| SC | 65 |
| SD | 50 |
| TN | 35 |
| TX | 30 |
| UT | 52 |
| VA | 33 |
| VI | 37 |
| VT | 79 |
| WA | 55 |
| WI | 40 |
| WV | 38 |
| WY | 33 |
Highlights
- Nationally, the median return on average assets at federally insured credit unions was 35 basis points during 2016. The median return on average assets was 33 basis points during 2015.
- Vermont (79 basis points) had the highest median return on average assets during 2016, followed by Nevada (70 basis points).
- The District of Columbia (6 basis points) had the lowest median return on average assets, followed by Delaware (12 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 | 92.00% |
| AL | 91.00% |
| AR | 66.00% |
| AZ | 81.00% |
| CA | 84.00% |
| CO | 84.00% |
| CT | 77.00% |
| DC | 60.00% |
| DE | 68.00% |
| FL | 86.00% |
| GA | 84.00% |
| GU | 100.00% |
| HI | 92.00% |
| IA | 95.00% |
| ID | 89.00% |
| IL | 79.00% |
| IN | 81.00% |
| KS | 80.00% |
| KY | 80.00% |
| LA | 72.00% |
| MA | 76.00% |
| MD | 78.00% |
| ME | 93.00% |
| MI | 86.00% |
| MN | 89.00% |
| MO | 78.00% |
| MS | 73.00% |
| MT | 90.00% |
| NC | 80.00% |
| ND | 95.00% |
| NE | 89.00% |
| NH | 94.00% |
| NJ | 70.00% |
| NM | 86.00% |
| NV | 90.00% |
| NY | 74.00% |
| OH | 79.00% |
| OK | 83.00% |
| OR | 93.00% |
| PA | 73.00% |
| PR | 73.00% |
| RI | 85.00% |
| SC | 86.00% |
| SD | 90.00% |
| TN | 83.00% |
| TX | 77.00% |
| UT | 84.00% |
| VA | 78.00% |
| VI | 100.00% |
| VT | 90.00% |
| WA | 90.00% |
| WI | 90.00% |
| WV | 84.00% |
| WY | 69.00% |
Highlights
- Nationally, 81 percent of federally insured credit unions had positive net income during 2016, up from 79 percent in 2015.
- At least half of credit unions in every state had positive net income during 2016.
- The share of federally insured credit unions with positive net income was highest in Iowa and North Dakota (both 95 percent), followed by New Hampshire (94 percent).
- The share was lowest in the District of Columbia (60 percent) and Arkansas (66 percent).
Tables and Downloads
- 2016 Q4 Credit Union Summary Tables (Accessible web page)
- U.S. Summary Tables (Accessible web page)
- 2016 Q4 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.