NCUA Quarterly U.S. Map Review - Fourth Quarter 2021

The NCUA Quarterly U.S. Map Review for the fourth quarter of 2021 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 2020 through the fourth quarter of 2021. 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.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 (Opens new window) 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

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Median Annual Asset Growth - Fourth Quarter 2021

State / Territory	Median Y/Y Asset Growth (%) - Level
State / Territory AK	Median Y/Y Asset Growth (%) - Level 12.40%
State / Territory AL	Median Y/Y Asset Growth (%) - Level 8.00%
State / Territory AR	Median Y/Y Asset Growth (%) - Level 7.20%
State / Territory AZ	Median Y/Y Asset Growth (%) - Level 13.80%
State / Territory CA	Median Y/Y Asset Growth (%) - Level 8.60%
State / Territory CO	Median Y/Y Asset Growth (%) - Level 9.50%
State / Territory CT	Median Y/Y Asset Growth (%) - Level 7.50%
State / Territory DC	Median Y/Y Asset Growth (%) - Level 4.20%
State / Territory DE	Median Y/Y Asset Growth (%) - Level 7.50%
State / Territory FL	Median Y/Y Asset Growth (%) - Level 10.90%
State / Territory GA	Median Y/Y Asset Growth (%) - Level 10.20%
State / Territory GU	Median Y/Y Asset Growth (%) - Level 8.20%
State / Territory HI	Median Y/Y Asset Growth (%) - Level 7.20%
State / Territory IA	Median Y/Y Asset Growth (%) - Level 7.60%
State / Territory ID	Median Y/Y Asset Growth (%) - Level 17.10%
State / Territory IL	Median Y/Y Asset Growth (%) - Level 8.60%
State / Territory IN	Median Y/Y Asset Growth (%) - Level 9.90%
State / Territory KS	Median Y/Y Asset Growth (%) - Level 7.70%
State / Territory KY	Median Y/Y Asset Growth (%) - Level 8.70%
State / Territory LA	Median Y/Y Asset Growth (%) - Level 7.20%
State / Territory MA	Median Y/Y Asset Growth (%) - Level 6.40%
State / Territory MD	Median Y/Y Asset Growth (%) - Level 6.90%
State / Territory ME	Median Y/Y Asset Growth (%) - Level 11.50%
State / Territory MI	Median Y/Y Asset Growth (%) - Level 11.30%
State / Territory MN	Median Y/Y Asset Growth (%) - Level 12.10%
State / Territory MO	Median Y/Y Asset Growth (%) - Level 10.50%
State / Territory MS	Median Y/Y Asset Growth (%) - Level 7.10%
State / Territory MT	Median Y/Y Asset Growth (%) - Level 11.80%
State / Territory NC	Median Y/Y Asset Growth (%) - Level 8.70%
State / Territory ND	Median Y/Y Asset Growth (%) - Level 9.90%
State / Territory NE	Median Y/Y Asset Growth (%) - Level 7.60%
State / Territory NH	Median Y/Y Asset Growth (%) - Level 9.10%
State / Territory NJ	Median Y/Y Asset Growth (%) - Level 5.20%
State / Territory NM	Median Y/Y Asset Growth (%) - Level 10.50%
State / Territory NV	Median Y/Y Asset Growth (%) - Level 13.80%
State / Territory NY	Median Y/Y Asset Growth (%) - Level 8.30%
State / Territory OH	Median Y/Y Asset Growth (%) - Level 8.70%
State / Territory OK	Median Y/Y Asset Growth (%) - Level 7.90%
State / Territory OR	Median Y/Y Asset Growth (%) - Level 13.00%
State / Territory PA	Median Y/Y Asset Growth (%) - Level 6.90%
State / Territory PR	Median Y/Y Asset Growth (%) - Level 7.10%
State / Territory RI	Median Y/Y Asset Growth (%) - Level 8.90%
State / Territory SC	Median Y/Y Asset Growth (%) - Level 11.20%
State / Territory SD	Median Y/Y Asset Growth (%) - Level 14.00%
State / Territory TN	Median Y/Y Asset Growth (%) - Level 9.30%
State / Territory TX	Median Y/Y Asset Growth (%) - Level 7.30%
State / Territory UT	Median Y/Y Asset Growth (%) - Level 10.50%
State / Territory VA	Median Y/Y Asset Growth (%) - Level 7.50%
State / Territory VI	Median Y/Y Asset Growth (%) - Level 7.20%
State / Territory VT	Median Y/Y Asset Growth (%) - Level 11.00%
State / Territory WA	Median Y/Y Asset Growth (%) - Level 13.60%
State / Territory WI	Median Y/Y Asset Growth (%) - Level 11.20%
State / Territory WV	Median Y/Y Asset Growth (%) - Level 8.60%
State / Territory WY	Median Y/Y Asset Growth (%) - Level 9.60%

Highlights

• Nationally, median asset growth over the year ending in the fourth quarter of 2021 was 8.8 percent. In other words, half of all federally insured credit unions had asset growth at or above 8.8 percent and half had asset growth of 8.8 percent or less. In the year ending in the fourth quarter of 2020, the median growth rate in assets was 14.2 percent.
• Over the year ending in the fourth quarter of 2021, median asset growth was highest in Idaho (17.1 percent) and South Dakota (14.0 percent).
• At the median, assets grew the least in Washington, D.C. (4.2 percent) and New Jersey (5.2 percent).

Median Annual Share and Deposit Growth

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Median Annual Share and Deposit Growth - Fourth Quarter 2021

State / Territory	Median Y/Y Deposit Growth (%) - Level
State / Territory AK	Median Y/Y Deposit Growth (%) - Level 12.10%
State / Territory AL	Median Y/Y Deposit Growth (%) - Level 8.80%
State / Territory AR	Median Y/Y Deposit Growth (%) - Level 7.70%
State / Territory AZ	Median Y/Y Deposit Growth (%) - Level 15.00%
State / Territory CA	Median Y/Y Deposit Growth (%) - Level 10.10%
State / Territory CO	Median Y/Y Deposit Growth (%) - Level 9.90%
State / Territory CT	Median Y/Y Deposit Growth (%) - Level 8.60%
State / Territory DC	Median Y/Y Deposit Growth (%) - Level 4.10%
State / Territory DE	Median Y/Y Deposit Growth (%) - Level 8.50%
State / Territory FL	Median Y/Y Deposit Growth (%) - Level 11.60%
State / Territory GA	Median Y/Y Deposit Growth (%) - Level 11.10%
State / Territory GU	Median Y/Y Deposit Growth (%) - Level 9.10%
State / Territory HI	Median Y/Y Deposit Growth (%) - Level 8.30%
State / Territory IA	Median Y/Y Deposit Growth (%) - Level 7.90%
State / Territory ID	Median Y/Y Deposit Growth (%) - Level 17.70%
State / Territory IL	Median Y/Y Deposit Growth (%) - Level 8.90%
State / Territory IN	Median Y/Y Deposit Growth (%) - Level 10.80%
State / Territory KS	Median Y/Y Deposit Growth (%) - Level 9.20%
State / Territory KY	Median Y/Y Deposit Growth (%) - Level 8.20%
State / Territory LA	Median Y/Y Deposit Growth (%) - Level 7.90%
State / Territory MA	Median Y/Y Deposit Growth (%) - Level 8.00%
State / Territory MD	Median Y/Y Deposit Growth (%) - Level 7.60%
State / Territory ME	Median Y/Y Deposit Growth (%) - Level 12.00%
State / Territory MI	Median Y/Y Deposit Growth (%) - Level 12.40%
State / Territory MN	Median Y/Y Deposit Growth (%) - Level 12.70%
State / Territory MO	Median Y/Y Deposit Growth (%) - Level 11.30%
State / Territory MS	Median Y/Y Deposit Growth (%) - Level 7.80%
State / Territory MT	Median Y/Y Deposit Growth (%) - Level 13.00%
State / Territory NC	Median Y/Y Deposit Growth (%) - Level 9.80%
State / Territory ND	Median Y/Y Deposit Growth (%) - Level 11.00%
State / Territory NE	Median Y/Y Deposit Growth (%) - Level 8.40%
State / Territory NH	Median Y/Y Deposit Growth (%) - Level 10.70%
State / Territory NJ	Median Y/Y Deposit Growth (%) - Level 5.90%
State / Territory NM	Median Y/Y Deposit Growth (%) - Level 11.10%
State / Territory NV	Median Y/Y Deposit Growth (%) - Level 15.10%
State / Territory NY	Median Y/Y Deposit Growth (%) - Level 8.60%
State / Territory OH	Median Y/Y Deposit Growth (%) - Level 9.50%
State / Territory OK	Median Y/Y Deposit Growth (%) - Level 8.40%
State / Territory OR	Median Y/Y Deposit Growth (%) - Level 13.40%
State / Territory PA	Median Y/Y Deposit Growth (%) - Level 7.80%
State / Territory PR	Median Y/Y Deposit Growth (%) - Level 8.40%
State / Territory RI	Median Y/Y Deposit Growth (%) - Level 10.10%
State / Territory SC	Median Y/Y Deposit Growth (%) - Level 12.40%
State / Territory SD	Median Y/Y Deposit Growth (%) - Level 14.80%
State / Territory TN	Median Y/Y Deposit Growth (%) - Level 9.90%
State / Territory TX	Median Y/Y Deposit Growth (%) - Level 7.50%
State / Territory UT	Median Y/Y Deposit Growth (%) - Level 10.90%
State / Territory VA	Median Y/Y Deposit Growth (%) - Level 7.90%
State / Territory VI	Median Y/Y Deposit Growth (%) - Level 11.20%
State / Territory VT	Median Y/Y Deposit Growth (%) - Level 11.30%
State / Territory WA	Median Y/Y Deposit Growth (%) - Level 14.00%
State / Territory WI	Median Y/Y Deposit Growth (%) - Level 12.30%
State / Territory WV	Median Y/Y Deposit Growth (%) - Level 10.10%
State / Territory WY	Median Y/Y Deposit Growth (%) - Level 10.30%

Highlights

• Nationally, median growth in shares and deposits over the year ending in the fourth quarter of 2021 was 9.6 percent. In the year ending in the fourth quarter of 2020, the median growth rate in shares and deposits was 15.9 percent.
• Over the year ending in the fourth quarter of 2021, median growth in shares and deposits was highest in Idaho (17.7 percent) and Nevada (15.1 percent).
• At the median, shares and deposits grew the least in Washington, D.C. (4.1 percent) and New Jersey (5.9 percent) during that time.

Median Annual Membership Growth

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Median Annual Membership Growth - Fourth Quarter 2021

State / Territory	Median Y/Y Member Growth (%) - Level
State / Territory AK	Median Y/Y Member Growth (%) - Level 4.40%
State / Territory AL	Median Y/Y Member Growth (%) - Level 0.50%
State / Territory AR	Median Y/Y Member Growth (%) - Level -1.50%
State / Territory AZ	Median Y/Y Member Growth (%) - Level 1.70%
State / Territory CA	Median Y/Y Member Growth (%) - Level 0.00%
State / Territory CO	Median Y/Y Member Growth (%) - Level -0.10%
State / Territory CT	Median Y/Y Member Growth (%) - Level -1.40%
State / Territory DC	Median Y/Y Member Growth (%) - Level -1.80%
State / Territory DE	Median Y/Y Member Growth (%) - Level -0.40%
State / Territory FL	Median Y/Y Member Growth (%) - Level 0.60%
State / Territory GA	Median Y/Y Member Growth (%) - Level -0.20%
State / Territory GU	Median Y/Y Member Growth (%) - Level 0.10%
State / Territory HI	Median Y/Y Member Growth (%) - Level 0.20%
State / Territory IA	Median Y/Y Member Growth (%) - Level 0.00%
State / Territory ID	Median Y/Y Member Growth (%) - Level 3.30%
State / Territory IL	Median Y/Y Member Growth (%) - Level -0.60%
State / Territory IN	Median Y/Y Member Growth (%) - Level -0.20%
State / Territory KS	Median Y/Y Member Growth (%) - Level -0.50%
State / Territory KY	Median Y/Y Member Growth (%) - Level -1.00%
State / Territory LA	Median Y/Y Member Growth (%) - Level -0.70%
State / Territory MA	Median Y/Y Member Growth (%) - Level -1.40%
State / Territory MD	Median Y/Y Member Growth (%) - Level -1.50%
State / Territory ME	Median Y/Y Member Growth (%) - Level 0.90%
State / Territory MI	Median Y/Y Member Growth (%) - Level 0.30%
State / Territory MN	Median Y/Y Member Growth (%) - Level 1.20%
State / Territory MO	Median Y/Y Member Growth (%) - Level 0.40%
State / Territory MS	Median Y/Y Member Growth (%) - Level 0.90%
State / Territory MT	Median Y/Y Member Growth (%) - Level 0.60%
State / Territory NC	Median Y/Y Member Growth (%) - Level -0.20%
State / Territory ND	Median Y/Y Member Growth (%) - Level -0.40%
State / Territory NE	Median Y/Y Member Growth (%) - Level -0.10%
State / Territory NH	Median Y/Y Member Growth (%) - Level -0.20%
State / Territory NJ	Median Y/Y Member Growth (%) - Level -2.60%
State / Territory NM	Median Y/Y Member Growth (%) - Level 2.20%
State / Territory NV	Median Y/Y Member Growth (%) - Level 2.00%
State / Territory NY	Median Y/Y Member Growth (%) - Level -0.70%
State / Territory OH	Median Y/Y Member Growth (%) - Level -1.30%
State / Territory OK	Median Y/Y Member Growth (%) - Level 0.20%
State / Territory OR	Median Y/Y Member Growth (%) - Level 0.00%
State / Territory PA	Median Y/Y Member Growth (%) - Level -1.60%
State / Territory PR	Median Y/Y Member Growth (%) - Level 1.20%
State / Territory RI	Median Y/Y Member Growth (%) - Level -1.00%
State / Territory SC	Median Y/Y Member Growth (%) - Level 0.70%
State / Territory SD	Median Y/Y Member Growth (%) - Level 2.20%
State / Territory TN	Median Y/Y Member Growth (%) - Level -0.20%
State / Territory TX	Median Y/Y Member Growth (%) - Level -0.30%
State / Territory UT	Median Y/Y Member Growth (%) - Level 1.40%
State / Territory VA	Median Y/Y Member Growth (%) - Level -1.00%
State / Territory VI	Median Y/Y Member Growth (%) - Level 1.50%
State / Territory VT	Median Y/Y Member Growth (%) - Level 0.60%
State / Territory WA	Median Y/Y Member Growth (%) - Level 0.60%
State / Territory WI	Median Y/Y Member Growth (%) - Level 0.10%
State / Territory WV	Median Y/Y Member Growth (%) - Level -0.50%
State / Territory WY	Median Y/Y Member Growth (%) - Level 3.90%

Highlights

• While overall membership in federally insured credit unions continued to grow during the year ending in the fourth quarter of 2021, at the median, membership declined 0.4 percent. Membership declined 0.5 at the median in the year ending in the fourth quarter of 2020. Overall, about 55 percent of federally insured credit unions had fewer members at the end of the fourth quarter of 2021 than a year earlier. Credit unions with falling membership tend to be small; almost 65 percent had less than $50 million in assets in the fourth quarter of 2021.
• Over the year ending in the fourth quarter of 2021, credit unions headquartered in Alaska (4.4 percent) and Wyoming (3.9 percent) experienced the strongest median membership growth.
• At the median, membership declined in 25 states and Washington, D.C. over the year. New Jersey (-2.6 percent) and Washington, D.C. (-1.8 percent) saw the largest median declines in membership during that time. Membership was unchanged in California, Iowa, and Oregon at the median.

Median Annual Loan Growth

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Median Annual Loan Growth - Fourth Quarter 2021

State / Territory	Median Y/Y Loan Growth (%) - Level
State / Territory AK	Median Y/Y Loan Growth (%) - Level 5.80%
State / Territory AL	Median Y/Y Loan Growth (%) - Level 2.20%
State / Territory AR	Median Y/Y Loan Growth (%) - Level 1.50%
State / Territory AZ	Median Y/Y Loan Growth (%) - Level 6.50%
State / Territory CA	Median Y/Y Loan Growth (%) - Level 4.30%
State / Territory CO	Median Y/Y Loan Growth (%) - Level 5.10%
State / Territory CT	Median Y/Y Loan Growth (%) - Level 1.60%
State / Territory DC	Median Y/Y Loan Growth (%) - Level 6.30%
State / Territory DE	Median Y/Y Loan Growth (%) - Level -4.10%
State / Territory FL	Median Y/Y Loan Growth (%) - Level 8.20%
State / Territory GA	Median Y/Y Loan Growth (%) - Level 6.10%
State / Territory GU	Median Y/Y Loan Growth (%) - Level 1.70%
State / Territory HI	Median Y/Y Loan Growth (%) - Level -0.40%
State / Territory IA	Median Y/Y Loan Growth (%) - Level 5.80%
State / Territory ID	Median Y/Y Loan Growth (%) - Level 13.30%
State / Territory IL	Median Y/Y Loan Growth (%) - Level 1.20%
State / Territory IN	Median Y/Y Loan Growth (%) - Level 3.30%
State / Territory KS	Median Y/Y Loan Growth (%) - Level 2.10%
State / Territory KY	Median Y/Y Loan Growth (%) - Level 3.50%
State / Territory LA	Median Y/Y Loan Growth (%) - Level 2.50%
State / Territory MA	Median Y/Y Loan Growth (%) - Level -0.90%
State / Territory MD	Median Y/Y Loan Growth (%) - Level -0.20%
State / Territory ME	Median Y/Y Loan Growth (%) - Level 5.10%
State / Territory MI	Median Y/Y Loan Growth (%) - Level 5.80%
State / Territory MN	Median Y/Y Loan Growth (%) - Level 5.20%
State / Territory MO	Median Y/Y Loan Growth (%) - Level 7.60%
State / Territory MS	Median Y/Y Loan Growth (%) - Level 4.20%
State / Territory MT	Median Y/Y Loan Growth (%) - Level 3.30%
State / Territory NC	Median Y/Y Loan Growth (%) - Level 2.20%
State / Territory ND	Median Y/Y Loan Growth (%) - Level 4.80%
State / Territory NE	Median Y/Y Loan Growth (%) - Level 2.60%
State / Territory NH	Median Y/Y Loan Growth (%) - Level 3.10%
State / Territory NJ	Median Y/Y Loan Growth (%) - Level -3.50%
State / Territory NM	Median Y/Y Loan Growth (%) - Level 3.50%
State / Territory NV	Median Y/Y Loan Growth (%) - Level 0.20%
State / Territory NY	Median Y/Y Loan Growth (%) - Level 1.20%
State / Territory OH	Median Y/Y Loan Growth (%) - Level 1.50%
State / Territory OK	Median Y/Y Loan Growth (%) - Level 3.00%
State / Territory OR	Median Y/Y Loan Growth (%) - Level 6.40%
State / Territory PA	Median Y/Y Loan Growth (%) - Level -0.40%
State / Territory PR	Median Y/Y Loan Growth (%) - Level -0.70%
State / Territory RI	Median Y/Y Loan Growth (%) - Level 5.40%
State / Territory SC	Median Y/Y Loan Growth (%) - Level 3.30%
State / Territory SD	Median Y/Y Loan Growth (%) - Level 5.50%
State / Territory TN	Median Y/Y Loan Growth (%) - Level 5.10%
State / Territory TX	Median Y/Y Loan Growth (%) - Level 2.80%
State / Territory UT	Median Y/Y Loan Growth (%) - Level 7.60%
State / Territory VA	Median Y/Y Loan Growth (%) - Level 0.70%
State / Territory VI	Median Y/Y Loan Growth (%) - Level -2.90%
State / Territory VT	Median Y/Y Loan Growth (%) - Level 5.60%
State / Territory WA	Median Y/Y Loan Growth (%) - Level 8.00%
State / Territory WI	Median Y/Y Loan Growth (%) - Level 5.30%
State / Territory WV	Median Y/Y Loan Growth (%) - Level 0.70%
State / Territory WY	Median Y/Y Loan Growth (%) - Level 8.60%

Highlights

• Nationally, loans outstanding rose 3.0 percent at the median over the year ending in the fourth quarter of 2021. During the previous year, loans declined 0.9 percent at the median.
• Over the year ending in the fourth quarter of 2021, median loan growth was strongest in Idaho (13.3 percent) and Wyoming (8.6 percent).
• At the median, loans outstanding declined in six states over the year. Delaware (-4.1 percent) and New Jersey (-3.5 percent) saw the largest median declines in loans outstanding during that time. Outstanding loans also declined in Hawaii, Maryland, Massachusetts, and Pennsylvania at the median.

Median Total Delinquency Rate

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Median Total Delinquency Rate - Fourth Quarter 2021

State / Territory	Median Total Delinquency Rate (bps) - Level
State / Territory AK	Median Total Delinquency Rate (bps) - Level 38
State / Territory AL	Median Total Delinquency Rate (bps) - Level 48
State / Territory AR	Median Total Delinquency Rate (bps) - Level 46
State / Territory AZ	Median Total Delinquency Rate (bps) - Level 26
State / Territory CA	Median Total Delinquency Rate (bps) - Level 27
State / Territory CO	Median Total Delinquency Rate (bps) - Level 29
State / Territory CT	Median Total Delinquency Rate (bps) - Level 44
State / Territory DC	Median Total Delinquency Rate (bps) - Level 43
State / Territory DE	Median Total Delinquency Rate (bps) - Level 51
State / Territory FL	Median Total Delinquency Rate (bps) - Level 25
State / Territory GA	Median Total Delinquency Rate (bps) - Level 42
State / Territory GU	Median Total Delinquency Rate (bps) - Level 34
State / Territory HI	Median Total Delinquency Rate (bps) - Level 36
State / Territory IA	Median Total Delinquency Rate (bps) - Level 48
State / Territory ID	Median Total Delinquency Rate (bps) - Level 38
State / Territory IL	Median Total Delinquency Rate (bps) - Level 35
State / Territory IN	Median Total Delinquency Rate (bps) - Level 37
State / Territory KS	Median Total Delinquency Rate (bps) - Level 43
State / Territory KY	Median Total Delinquency Rate (bps) - Level 43
State / Territory LA	Median Total Delinquency Rate (bps) - Level 61
State / Territory MA	Median Total Delinquency Rate (bps) - Level 29
State / Territory MD	Median Total Delinquency Rate (bps) - Level 64
State / Territory ME	Median Total Delinquency Rate (bps) - Level 31
State / Territory MI	Median Total Delinquency Rate (bps) - Level 40
State / Territory MN	Median Total Delinquency Rate (bps) - Level 23
State / Territory MO	Median Total Delinquency Rate (bps) - Level 34
State / Territory MS	Median Total Delinquency Rate (bps) - Level 53
State / Territory MT	Median Total Delinquency Rate (bps) - Level 23
State / Territory NC	Median Total Delinquency Rate (bps) - Level 67
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 21
State / Territory NJ	Median Total Delinquency Rate (bps) - Level 99
State / Territory NM	Median Total Delinquency Rate (bps) - Level 47
State / Territory NV	Median Total Delinquency Rate (bps) - Level 32
State / Territory NY	Median Total Delinquency Rate (bps) - Level 53
State / Territory OH	Median Total Delinquency Rate (bps) - Level 34
State / Territory OK	Median Total Delinquency Rate (bps) - Level 36
State / Territory OR	Median Total Delinquency Rate (bps) - Level 21
State / Territory PA	Median Total Delinquency Rate (bps) - Level 46
State / Territory PR	Median Total Delinquency Rate (bps) - Level 46
State / Territory RI	Median Total Delinquency Rate (bps) - Level 18
State / Territory SC	Median Total Delinquency Rate (bps) - Level 46
State / Territory SD	Median Total Delinquency Rate (bps) - Level 26
State / Territory TN	Median Total Delinquency Rate (bps) - Level 42
State / Territory TX	Median Total Delinquency Rate (bps) - Level 37
State / Territory UT	Median Total Delinquency Rate (bps) - Level 16
State / Territory VA	Median Total Delinquency Rate (bps) - Level 68
State / Territory VI	Median Total Delinquency Rate (bps) - Level 116
State / Territory VT	Median Total Delinquency Rate (bps) - Level 48
State / Territory WA	Median Total Delinquency Rate (bps) - Level 21
State / Territory WI	Median Total Delinquency Rate (bps) - Level 26
State / Territory WV	Median Total Delinquency Rate (bps) - Level 59
State / Territory WY	Median Total Delinquency Rate (bps) - Level 66

Highlights

• At the end of the fourth quarter of 2021, the median total delinquency rate among federally insured credit unions was 38 basis points, compared with 51 basis points in the fourth quarter of 2020.
• At the end of the fourth quarter of 2021, the median delinquency rate was highest in New Jersey (99 basis points) and Virginia (68 basis points).
• The median delinquency rate was lowest in Utah (16 basis points) at that time, followed by North Dakota and Rhode Island (both 18 basis points).

Median Loan-to-Share Ratio

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Median Loan-to-Share Ratio - Fourth Quarter 2021

State / Territory	Median Loan to Share Ratio (%) - Level
State / Territory AK	Median Loan to Share Ratio (%) - Level 64.00%
State / Territory AL	Median Loan to Share Ratio (%) - Level 52.00%
State / Territory AR	Median Loan to Share Ratio (%) - Level 62.00%
State / Territory AZ	Median Loan to Share Ratio (%) - Level 58.00%
State / Territory CA	Median Loan to Share Ratio (%) - Level 57.00%
State / Territory CO	Median Loan to Share Ratio (%) - Level 62.00%
State / Territory CT	Median Loan to Share Ratio (%) - Level 44.00%
State / Territory DC	Median Loan to Share Ratio (%) - Level 47.00%
State / Territory DE	Median Loan to Share Ratio (%) - Level 40.00%
State / Territory FL	Median Loan to Share Ratio (%) - Level 58.00%
State / Territory GA	Median Loan to Share Ratio (%) - Level 61.00%
State / Territory GU	Median Loan to Share Ratio (%) - Level 71.00%
State / Territory HI	Median Loan to Share Ratio (%) - Level 42.00%
State / Territory IA	Median Loan to Share Ratio (%) - Level 70.00%
State / Territory ID	Median Loan to Share Ratio (%) - Level 78.00%
State / Territory IL	Median Loan to Share Ratio (%) - Level 51.00%
State / Territory IN	Median Loan to Share Ratio (%) - Level 56.00%
State / Territory KS	Median Loan to Share Ratio (%) - Level 57.00%
State / Territory KY	Median Loan to Share Ratio (%) - Level 57.00%
State / Territory LA	Median Loan to Share Ratio (%) - Level 56.00%
State / Territory MA	Median Loan to Share Ratio (%) - Level 55.00%
State / Territory MD	Median Loan to Share Ratio (%) - Level 57.00%
State / Territory ME	Median Loan to Share Ratio (%) - Level 68.00%
State / Territory MI	Median Loan to Share Ratio (%) - Level 56.00%
State / Territory MN	Median Loan to Share Ratio (%) - Level 64.00%
State / Territory MO	Median Loan to Share Ratio (%) - Level 64.00%
State / Territory MS	Median Loan to Share Ratio (%) - Level 49.00%
State / Territory MT	Median Loan to Share Ratio (%) - Level 56.00%
State / Territory NC	Median Loan to Share Ratio (%) - Level 63.00%
State / Territory ND	Median Loan to Share Ratio (%) - Level 54.00%
State / Territory NE	Median Loan to Share Ratio (%) - Level 54.00%
State / Territory NH	Median Loan to Share Ratio (%) - Level 60.00%
State / Territory NJ	Median Loan to Share Ratio (%) - Level 38.00%
State / Territory NM	Median Loan to Share Ratio (%) - Level 63.00%
State / Territory NV	Median Loan to Share Ratio (%) - Level 55.00%
State / Territory NY	Median Loan to Share Ratio (%) - Level 52.00%
State / Territory OH	Median Loan to Share Ratio (%) - Level 52.00%
State / Territory OK	Median Loan to Share Ratio (%) - Level 64.00%
State / Territory OR	Median Loan to Share Ratio (%) - Level 63.00%
State / Territory PA	Median Loan to Share Ratio (%) - Level 43.00%
State / Territory PR	Median Loan to Share Ratio (%) - Level 51.00%
State / Territory RI	Median Loan to Share Ratio (%) - Level 61.00%
State / Territory SC	Median Loan to Share Ratio (%) - Level 62.00%
State / Territory SD	Median Loan to Share Ratio (%) - Level 59.00%
State / Territory TN	Median Loan to Share Ratio (%) - Level 65.00%
State / Territory TX	Median Loan to Share Ratio (%) - Level 62.00%
State / Territory UT	Median Loan to Share Ratio (%) - Level 77.00%
State / Territory VA	Median Loan to Share Ratio (%) - Level 55.00%
State / Territory VI	Median Loan to Share Ratio (%) - Level 25.00%
State / Territory VT	Median Loan to Share Ratio (%) - Level 75.00%
State / Territory WA	Median Loan to Share Ratio (%) - Level 66.00%
State / Territory WI	Median Loan to Share Ratio (%) - Level 70.00%
State / Territory WV	Median Loan to Share Ratio (%) - Level 51.00%
State / Territory WY	Median Loan to Share Ratio (%) - Level 74.00%

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 57 percent at the end of the fourth quarter of 2021. At the end of the fourth quarter of 2020, the median loan-to-share ratio was 61 percent.
• The median loan-to-share ratio was highest in Idaho (78 percent) and Utah (77 percent).
• The median loan-to-share ratio was lowest in New Jersey (38 percent) and Delaware (40 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 - Fourth Quarter 2021

State / Territory	Median Annualized YTD ROAA (bps) - Level
State / Territory AK	Median Annualized YTD ROAA (bps) - Level 78
State / Territory AL	Median Annualized YTD ROAA (bps) - Level 36
State / Territory AR	Median Annualized YTD ROAA (bps) - Level 48
State / Territory AZ	Median Annualized YTD ROAA (bps) - Level 65
State / Territory CA	Median Annualized YTD ROAA (bps) - Level 42
State / Territory CO	Median Annualized YTD ROAA (bps) - Level 46
State / Territory CT	Median Annualized YTD ROAA (bps) - Level 20
State / Territory DC	Median Annualized YTD ROAA (bps) - Level 28
State / Territory DE	Median Annualized YTD ROAA (bps) - Level 34
State / Territory FL	Median Annualized YTD ROAA (bps) - Level 51
State / Territory GA	Median Annualized YTD ROAA (bps) - Level 44
State / Territory GU	Median Annualized YTD ROAA (bps) - Level 49
State / Territory HI	Median Annualized YTD ROAA (bps) - Level 45
State / Territory IA	Median Annualized YTD ROAA (bps) - Level 41
State / Territory ID	Median Annualized YTD ROAA (bps) - Level 99
State / Territory IL	Median Annualized YTD ROAA (bps) - Level 54
State / Territory IN	Median Annualized YTD ROAA (bps) - Level 78
State / Territory KS	Median Annualized YTD ROAA (bps) - Level 44
State / Territory KY	Median Annualized YTD ROAA (bps) - Level 50
State / Territory LA	Median Annualized YTD ROAA (bps) - Level 42
State / Territory MA	Median Annualized YTD ROAA (bps) - Level 29
State / Territory MD	Median Annualized YTD ROAA (bps) - Level 26
State / Territory ME	Median Annualized YTD ROAA (bps) - Level 66
State / Territory MI	Median Annualized YTD ROAA (bps) - Level 61
State / Territory MN	Median Annualized YTD ROAA (bps) - Level 74
State / Territory MO	Median Annualized YTD ROAA (bps) - Level 55
State / Territory MS	Median Annualized YTD ROAA (bps) - Level 33
State / Territory MT	Median Annualized YTD ROAA (bps) - Level 59
State / Territory NC	Median Annualized YTD ROAA (bps) - Level 60
State / Territory ND	Median Annualized YTD ROAA (bps) - Level 44
State / Territory NE	Median Annualized YTD ROAA (bps) - Level 18
State / Territory NH	Median Annualized YTD ROAA (bps) - Level 38
State / Territory NJ	Median Annualized YTD ROAA (bps) - Level 49
State / Territory NM	Median Annualized YTD ROAA (bps) - Level 78
State / Territory NV	Median Annualized YTD ROAA (bps) - Level 50
State / Territory NY	Median Annualized YTD ROAA (bps) - Level 63
State / Territory OH	Median Annualized YTD ROAA (bps) - Level 20
State / Territory OK	Median Annualized YTD ROAA (bps) - Level 62
State / Territory OR	Median Annualized YTD ROAA (bps) - Level 80
State / Territory PA	Median Annualized YTD ROAA (bps) - Level 27
State / Territory PR	Median Annualized YTD ROAA (bps) - Level 72
State / Territory RI	Median Annualized YTD ROAA (bps) - Level 90
State / Territory SC	Median Annualized YTD ROAA (bps) - Level 66
State / Territory SD	Median Annualized YTD ROAA (bps) - Level 97
State / Territory TN	Median Annualized YTD ROAA (bps) - Level 36
State / Territory TX	Median Annualized YTD ROAA (bps) - Level 58
State / Territory UT	Median Annualized YTD ROAA (bps) - Level 81
State / Territory VA	Median Annualized YTD ROAA (bps) - Level 53
State / Territory VI	Median Annualized YTD ROAA (bps) - Level 27
State / Territory VT	Median Annualized YTD ROAA (bps) - Level 67
State / Territory WA	Median Annualized YTD ROAA (bps) - Level 85
State / Territory WI	Median Annualized YTD ROAA (bps) - Level 52
State / Territory WV	Median Annualized YTD ROAA (bps) - Level 39
State / Territory WY	Median Annualized YTD ROAA (bps) - Level 70

Highlights

• Nationally, the median return on average assets at federally insured credit unions was 50 basis points in 2021, compared with 39 basis points in 2020.
• Idaho (99 basis points) and South Dakota (97 basis points) had the highest median returns on average assets in 2021.
• Nebraska (18 basis points) had the lowest median return on average assets during that time, followed by Connecticut and Ohio (both 20 basis points).

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 - Fourth Quarter 2021

State / Territory	Share of FICUs with Positive YTD Net Income (%) - Level
State / Territory AK	Share of FICUs with Positive YTD Net Income (%) - Level 100.00%
State / Territory AL	Share of FICUs with Positive YTD Net Income (%) - Level 74.00%
State / Territory AR	Share of FICUs with Positive YTD Net Income (%) - Level 76.00%
State / Territory AZ	Share of FICUs with Positive YTD Net Income (%) - Level 89.00%
State / Territory CA	Share of FICUs with Positive YTD Net Income (%) - Level 82.00%
State / Territory CO	Share of FICUs with Positive YTD Net Income (%) - Level 80.00%
State / Territory CT	Share of FICUs with Positive YTD Net Income (%) - Level 78.00%
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 94.00%
State / Territory FL	Share of FICUs with Positive YTD Net Income (%) - Level 87.00%
State / Territory GA	Share of FICUs with Positive YTD Net Income (%) - Level 79.00%
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 96.00%
State / Territory IA	Share of FICUs with Positive YTD Net Income (%) - Level 86.00%
State / Territory ID	Share of FICUs with Positive YTD Net Income (%) - Level 96.00%
State / Territory IL	Share of FICUs with Positive YTD Net Income (%) - Level 88.00%
State / Territory IN	Share of FICUs with Positive YTD Net Income (%) - Level 94.00%
State / Territory KS	Share of FICUs with Positive YTD Net Income (%) - Level 74.00%
State / Territory KY	Share of FICUs with Positive YTD Net Income (%) - Level 85.00%
State / Territory LA	Share of FICUs with Positive YTD Net Income (%) - Level 74.00%
State / Territory MA	Share of FICUs with Positive YTD Net Income (%) - Level 74.00%
State / Territory MD	Share of FICUs with Positive YTD Net Income (%) - Level 78.00%
State / Territory ME	Share of FICUs with Positive YTD Net Income (%) - Level 90.00%
State / Territory MI	Share of FICUs with Positive YTD Net Income (%) - Level 89.00%
State / Territory MN	Share of FICUs with Positive YTD Net Income (%) - Level 95.00%
State / Territory MO	Share of FICUs with Positive YTD Net Income (%) - Level 80.00%
State / Territory MS	Share of FICUs with Positive YTD Net Income (%) - Level 69.00%
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 86.00%
State / Territory ND	Share of FICUs with Positive YTD Net Income (%) - Level 79.00%
State / Territory NE	Share of FICUs with Positive YTD Net Income (%) - Level 66.00%
State / Territory NH	Share of FICUs with Positive YTD Net Income (%) - Level 79.00%
State / Territory NJ	Share of FICUs with Positive YTD Net Income (%) - Level 85.00%
State / Territory NM	Share of FICUs with Positive YTD Net Income (%) - Level 90.00%
State / Territory NV	Share of FICUs with Positive YTD Net Income (%) - Level 90.00%
State / Territory NY	Share of FICUs with Positive YTD Net Income (%) - Level 90.00%
State / Territory OH	Share of FICUs with Positive YTD Net Income (%) - Level 73.00%
State / Territory OK	Share of FICUs with Positive YTD Net Income (%) - Level 90.00%
State / Territory OR	Share of FICUs with Positive YTD Net Income (%) - Level 93.00%
State / Territory PA	Share of FICUs with Positive YTD Net Income (%) - Level 76.00%
State / Territory PR	Share of FICUs with Positive YTD Net Income (%) - Level 100.00%
State / Territory RI	Share of FICUs with Positive YTD Net Income (%) - Level 78.00%
State / Territory SC	Share of FICUs with Positive YTD Net Income (%) - Level 85.00%
State / Territory SD	Share of FICUs with Positive YTD Net Income (%) - Level 97.00%
State / Territory TN	Share of FICUs with Positive YTD Net Income (%) - Level 80.00%
State / Territory TX	Share of FICUs with Positive YTD Net Income (%) - Level 88.00%
State / Territory UT	Share of FICUs with Positive YTD Net Income (%) - Level 93.00%
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 60.00%
State / Territory VT	Share of FICUs with Positive YTD Net Income (%) - Level 100.00%
State / Territory WA	Share of FICUs with Positive YTD Net Income (%) - Level 99.00%
State / Territory WI	Share of FICUs with Positive YTD Net Income (%) - Level 91.00%
State / Territory WV	Share of FICUs with Positive YTD Net Income (%) - Level 79.00%
State / Territory WY	Share of FICUs with Positive YTD Net Income (%) - Level 91.00%

Highlights

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

• Nationally, 84 percent of federally insured credit unions had positive net income in 2021, compared with 82 percent in 2020.
• At least 65 percent of federally insured credit unions in every state and Washington, D.C. had positive net income in 2021.
• The share of federally insured credit unions with positive net income was highest in Alaska and Vermont (both 100 percent), followed by Washington (99 percent).
• The share was lowest in Nebraska (66 percent) and Mississippi (69 percent) in 2021.

Tables and Downloads

• 2021 Q4 Summary Tables (Accessible web page)
• U.S. Summary Tables (Accessible web page)
• 2021 Q4 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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