The NCUA Quarterly U.S. Map Review for the fourth quarter of 2018 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 2017 through the fourth quarter of 2018. 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 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. 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 | 5.70% |
| AL | 0.80% |
| AR | -0.50% |
| AZ | 3.10% |
| CA | 2.30% |
| CO | 2.50% |
| CT | 0.10% |
| DC | 0.40% |
| DE | -1.20% |
| FL | 2.70% |
| GA | 1.90% |
| GU | 5.10% |
| HI | 1.20% |
| IA | 2.40% |
| ID | 7.20% |
| IL | 1.10% |
| IN | 1.60% |
| KS | 0.30% |
| KY | 1.40% |
| LA | -0.10% |
| MA | 1.70% |
| MD | 1.50% |
| ME | 4.60% |
| MI | 2.70% |
| MN | 3.70% |
| MO | 1.30% |
| MS | 1.90% |
| MT | 3.80% |
| NC | 1.90% |
| ND | 1.20% |
| NE | 1.30% |
| NH | 3.30% |
| NJ | -0.30% |
| NM | 4.60% |
| NV | 4.80% |
| NY | 2.30% |
| OH | 1.20% |
| OK | 1.70% |
| OR | 3.30% |
| PA | 1.00% |
| PR | 3.30% |
| RI | 0.70% |
| SC | 3.70% |
| SD | 4.00% |
| TN | 1.50% |
| TX | 0.50% |
| UT | 5.60% |
| VA | 1.60% |
| VI | 9.90% |
| VT | 3.40% |
| WA | 4.40% |
| WI | 1.70% |
| WV | 0.10% |
| WY | 4.10% |
Highlights
- Nationally, median asset growth over the year ending in the fourth quarter of 2018 was 1.7 percent. In other words, half of all federally insured credit unions had asset growth at or above 1.7 percent and half had asset growth of 1.7 percent or less. In the year ending in the fourth quarter of 2017, the median growth rate in assets was 2.5 percent.
- Over the year ending in the fourth quarter of 2018, median asset growth was highest in Idaho (7.2 percent), followed by Alaska (5.7 percent).
- Median asset growth was negative in Delaware (-1.2 percent), Arkansas (-0.5 percent), New Jersey (-0.3 percent), and Louisiana (-0.1 percent) over the year ending in the fourth quarter of 2018. At the median, assets grew the least in West Virginia and Connecticut (both 0.1 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 | 5.60% |
| AL | 0.90% |
| AR | -1.10% |
| AZ | 2.60% |
| CA | 1.80% |
| CO | 2.00% |
| CT | 0.30% |
| DC | 0.80% |
| DE | -0.30% |
| FL | 2.40% |
| GA | 1.20% |
| GU | 5.60% |
| HI | 0.70% |
| IA | 1.60% |
| ID | 8.50% |
| IL | 0.40% |
| IN | 1.20% |
| KS | 0.20% |
| KY | 1.00% |
| LA | -0.70% |
| MA | 1.40% |
| MD | 1.20% |
| ME | 4.30% |
| MI | 1.70% |
| MN | 3.60% |
| MO | 1.00% |
| MS | 2.00% |
| MT | 4.20% |
| NC | 1.10% |
| ND | 1.40% |
| NE | 1.10% |
| NH | 4.00% |
| NJ | -0.70% |
| NM | 4.70% |
| NV | 4.10% |
| NY | 2.00% |
| OH | 0.90% |
| OK | 1.50% |
| OR | 2.50% |
| PA | 0.80% |
| PR | 1.90% |
| RI | 0.70% |
| SC | 2.60% |
| SD | 3.80% |
| TN | 1.00% |
| TX | 0.10% |
| UT | 5.50% |
| VA | 1.10% |
| VI | 13.10% |
| VT | 2.70% |
| WA | 3.90% |
| WI | 2.20% |
| WV | 0.00% |
| WY | 3.00% |
Highlights
- Nationally, median growth in shares and deposits over the year ending in the fourth quarter of 2018 was 1.3 percent. In the year ending in the fourth quarter of 2017, the median growth rate in shares and deposits was 2.4 percent.
- Over the year ending in the fourth quarter of 2018, median growth in shares and deposits was highest in Idaho (8.5 percent) and Alaska (5.6 percent).
- Median growth in shares and deposits was negative in Arkansas (-1.1 percent), Louisiana and New Jersey (both -0.7 percent), and Delaware (-0.3 percent) over the year ending in the fourth quarter of 2018. At the median, shares and deposits were unchanged in West Virginia and grew the least in Texas (0.1 percent) and Kansas (0.2 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 | 3.40% |
| AL | 1.00% |
| AR | 0.80% |
| AZ | 2.30% |
| CA | 0.90% |
| CO | 1.00% |
| CT | -0.50% |
| DC | -1.70% |
| DE | -0.50% |
| FL | 1.30% |
| GA | 0.80% |
| GU | 0.10% |
| HI | -0.10% |
| IA | 0.80% |
| ID | 1.60% |
| IL | -1.40% |
| IN | 0.00% |
| KS | 0.40% |
| KY | 0.70% |
| LA | -0.30% |
| MA | -0.20% |
| MD | 0.00% |
| ME | 1.20% |
| MI | 0.50% |
| MN | 1.10% |
| MO | 0.50% |
| MS | -0.80% |
| MT | 0.80% |
| NC | 0.40% |
| ND | -0.50% |
| NE | -0.20% |
| NH | 1.50% |
| NJ | -1.00% |
| NM | 0.50% |
| NV | 2.30% |
| NY | 0.00% |
| OH | -0.30% |
| OK | -0.20% |
| OR | 2.30% |
| PA | -1.50% |
| PR | -2.10% |
| RI | 0.90% |
| SC | 1.10% |
| SD | 2.60% |
| TN | 0.20% |
| TX | -0.10% |
| UT | 0.90% |
| VA | 0.10% |
| VI | 0.10% |
| VT | 0.40% |
| WA | 2.60% |
| WI | 0.60% |
| WV | 0.10% |
| WY | 1.20% |
Highlights
- Nationally, median growth in membership over the year ending in the fourth quarter of 2018 was 0.2 percent. In the year ending in the fourth quarter of 2017, membership was unchanged at the median.
- Over the year ending in the fourth quarter of 2018, credit unions headquartered in Alaska (3.4 percent) and South Dakota and Washington (both 2.6 percent) posted the highest median membership growth rates.
- In 15 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 (-1.7 percent), followed by Pennsylvania (-1.5 percent). At the median, membership was unchanged in Indiana, Maryland, and New York. Credit unions with falling membership tend to be small; about 75 percent had less than $50 million in assets.
Median Annual Loan Growth
NCUA Quarterly Map Review - Credit Union Indicators Summary
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Source: National Credit Union Administration
| State / Territory | Median Y/Y Loan Growth (%) - Level |
|---|---|
| AK | 4.50% |
| AL | 4.90% |
| AR | 2.60% |
| AZ | 7.60% |
| CA | 8.50% |
| CO | 8.00% |
| CT | 3.60% |
| DC | 2.20% |
| DE | 4.00% |
| FL | 7.10% |
| GA | 7.10% |
| GU | 8.20% |
| HI | 4.10% |
| IA | 6.70% |
| ID | 7.60% |
| IL | 4.20% |
| IN | 5.80% |
| KS | 3.60% |
| KY | 6.50% |
| LA | 3.70% |
| MA | 5.90% |
| MD | 7.50% |
| ME | 5.80% |
| MI | 6.90% |
| MN | 10.00% |
| MO | 8.00% |
| MS | 7.60% |
| MT | 8.20% |
| NC | 5.20% |
| ND | 4.40% |
| NE | 3.50% |
| NH | 7.00% |
| NJ | 0.80% |
| NM | 5.80% |
| NV | 8.60% |
| NY | 5.80% |
| OH | 5.30% |
| OK | 7.00% |
| OR | 7.90% |
| PA | 4.10% |
| PR | 4.90% |
| RI | 6.50% |
| SC | 7.80% |
| SD | 6.30% |
| TN | 6.40% |
| TX | 5.00% |
| UT | 9.10% |
| VA | 5.70% |
| VI | -9.50% |
| VT | 5.80% |
| WA | 9.20% |
| WI | 6.70% |
| WV | 4.70% |
| WY | 7.50% |
Highlights
- Nationally, the median growth rate in loans outstanding was 5.9 percent over the year ending in the fourth quarter of 2018. The median loan growth rate during the previous year was 5.0 percent.
- Over the year ending in the fourth quarter of 2018, median loan growth was positive in every state. Median loan growth was strongest in Minnesota (10.0 percent), followed by Washington (9.2 percent).
- The slowest median growth in loans outstanding was in New Jersey (0.8 percent) and the District of Columbia (2.2 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 | 98 |
| AL | 96 |
| AR | 92 |
| AZ | 64 |
| CA | 37 |
| CO | 38 |
| CT | 74 |
| DC | 99 |
| DE | 105 |
| FL | 57 |
| GA | 84 |
| GU | 92 |
| HI | 65 |
| IA | 68 |
| ID | 54 |
| IL | 76 |
| IN | 77 |
| KS | 95 |
| KY | 71 |
| LA | 126 |
| MA | 51 |
| MD | 81 |
| ME | 55 |
| MI | 72 |
| MN | 43 |
| MO | 61 |
| MS | 120 |
| MT | 60 |
| NC | 97 |
| ND | 74 |
| NE | 62 |
| NH | 30 |
| NJ | 162 |
| NM | 75 |
| NV | 25 |
| NY | 79 |
| OH | 77 |
| OK | 81 |
| OR | 32 |
| PA | 81 |
| PR | 56 |
| RI | 74 |
| SC | 52 |
| SD | 53 |
| TN | 74 |
| TX | 67 |
| UT | 35 |
| VA | 96 |
| VI | 235 |
| VT | 90 |
| WA | 39 |
| WI | 52 |
| WV | 131 |
| WY | 48 |
Highlights
- At the end of the fourth quarter of 2018, the median total delinquency rate among federally insured credit unions was 69 basis points, compared to 76 basis points in the fourth quarter of 2017.
- At the end of the fourth quarter of 2018, the median delinquency rate was highest in New Jersey (162 basis points), followed by West Virginia (131 basis points).
- The median delinquency rate was lowest in Nevada (25 basis points), followed by New Hampshire (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 | 86.00% |
| AL | 61.00% |
| AR | 77.00% |
| AZ | 78.00% |
| CA | 67.00% |
| CO | 78.00% |
| CT | 58.00% |
| DC | 55.00% |
| DE | 53.00% |
| FL | 69.00% |
| GA | 70.00% |
| GU | 94.00% |
| HI | 52.00% |
| IA | 80.00% |
| ID | 88.00% |
| IL | 63.00% |
| IN | 74.00% |
| KS | 82.00% |
| KY | 72.00% |
| LA | 71.00% |
| MA | 70.00% |
| MD | 65.00% |
| ME | 87.00% |
| MI | 71.00% |
| MN | 82.00% |
| MO | 73.00% |
| MS | 58.00% |
| MT | 67.00% |
| NC | 74.00% |
| ND | 69.00% |
| NE | 69.00% |
| NH | 83.00% |
| NJ | 53.00% |
| NM | 72.00% |
| NV | 66.00% |
| NY | 63.00% |
| OH | 69.00% |
| OK | 79.00% |
| OR | 80.00% |
| PA | 54.00% |
| PR | 72.00% |
| RI | 76.00% |
| SC | 80.00% |
| SD | 82.00% |
| TN | 76.00% |
| TX | 76.00% |
| UT | 84.00% |
| VA | 69.00% |
| VI | 33.00% |
| VT | 92.00% |
| WA | 81.00% |
| WI | 88.00% |
| WV | 70.00% |
| WY | 80.00% |
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 70 percent at the end of the fourth quarter of 2018. At the end of the fourth quarter of 2017, the median loans-to-shares ratio was 66 percent.
- The median loans-to-shares ratio was highest in Vermont (92 percent), followed by Idaho and Wisconsin (both 88 percent).
- The median loans-to-shares ratio was lowest in Hawaii (52 percent) and Delaware and New Jersey (both 53 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 | 84 |
| AL | 57 |
| AR | 42 |
| AZ | 63 |
| CA | 58 |
| CO | 63 |
| CT | 44 |
| DC | 53 |
| DE | 48 |
| FL | 57 |
| GA | 65 |
| GU | 42 |
| HI | 57 |
| IA | 59 |
| ID | 80 |
| IL | 46 |
| IN | 58 |
| KS | 49 |
| KY | 61 |
| LA | 41 |
| MA | 42 |
| MD | 60 |
| ME | 84 |
| MI | 72 |
| MN | 69 |
| MO | 48 |
| MS | 63 |
| MT | 69 |
| NC | 49 |
| ND | 78 |
| NE | 55 |
| NH | 60 |
| NJ | 34 |
| NM | 89 |
| NV | 97 |
| NY | 55 |
| OH | 48 |
| OK | 58 |
| OR | 92 |
| PA | 46 |
| PR | 36 |
| RI | 61 |
| SC | 91 |
| SD | 60 |
| TN | 59 |
| TX | 56 |
| UT | 83 |
| VA | 45 |
| VI | -37 |
| VT | 76 |
| WA | 80 |
| WI | 68 |
| WV | 53 |
| WY | 74 |
Highlights
- Nationally, the median return on average assets at federally insured credit unions was 57 basis points during 2018, compared to 38 basis points during 2017.
- Nevada (97 basis points) had the highest median return on average assets during 2018, followed by Oregon (92 basis points).
- New Jersey (34 basis points) had the lowest median return on average assets, followed by Louisiana (41 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 | 90.00% |
| AL | 84.00% |
| AR | 80.00% |
| AZ | 93.00% |
| CA | 88.00% |
| CO | 89.00% |
| CT | 79.00% |
| DC | 77.00% |
| DE | 94.00% |
| FL | 89.00% |
| GA | 92.00% |
| GU | 100.00% |
| HI | 92.00% |
| IA | 91.00% |
| ID | 88.00% |
| IL | 86.00% |
| IN | 94.00% |
| KS | 82.00% |
| KY | 97.00% |
| LA | 78.00% |
| MA | 91.00% |
| MD | 90.00% |
| ME | 98.00% |
| MI | 94.00% |
| MN | 94.00% |
| MO | 88.00% |
| MS | 81.00% |
| MT | 86.00% |
| NC | 87.00% |
| ND | 94.00% |
| NE | 90.00% |
| NH | 93.00% |
| NJ | 79.00% |
| NM | 95.00% |
| NV | 100.00% |
| NY | 85.00% |
| OH | 89.00% |
| OK | 95.00% |
| OR | 98.00% |
| PA | 83.00% |
| PR | 86.00% |
| RI | 85.00% |
| SC | 95.00% |
| SD | 95.00% |
| TN | 91.00% |
| TX | 87.00% |
| UT | 94.00% |
| VA | 85.00% |
| VI | 40.00% |
| VT | 100.00% |
| WA | 93.00% |
| WI | 97.00% |
| WV | 94.00% |
| WY | 92.00% |
Highlights
Shares on this page are rounded to the nearest percentage point.
- Nationally, 88 percent of federally insured credit unions had positive net income during 2018, compared to 82 percent during 2017.
- At least 75 percent of credit unions in every state had positive net income during 2018.
- The share of federally insured credit unions with positive net income was highest in Nevada and Vermont (both 100 percent), followed by Maine and Oregon (both 98 percent).
- The share was lowest in the District of Columbia (77 percent), followed by Louisiana (78 percent).
Tables and Downloads
- 2018 Q4 Credit Union Summary Tables (Accessible web page)
- U.S. Summary Tables (Accessible web page)
- 2018 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.