NCUA Quarterly U.S. Map Review - Fourth Quarter 2024

The NCUA Quarterly U.S. Map Review for the fourth quarter of 2024 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 fourth quarter of 2023 through the fourth quarter of 2024. 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 (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 OEACMail@ncua.gov.

Median Annual Asset Growth

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Median Annual Asset Growth - Fourth Quarter 2024

State / Territory	Median Y/Y Asset Growth (%) - Level
State / Territory AK	Median Y/Y Asset Growth (%) - Level 0.00%
State / Territory AL	Median Y/Y Asset Growth (%) - Level 1.30%
State / Territory AR	Median Y/Y Asset Growth (%) - Level 0.90%
State / Territory AZ	Median Y/Y Asset Growth (%) - Level 0.70%
State / Territory CA	Median Y/Y Asset Growth (%) - Level -1.00%
State / Territory CO	Median Y/Y Asset Growth (%) - Level 1.30%
State / Territory CT	Median Y/Y Asset Growth (%) - Level -0.70%
State / Territory DC	Median Y/Y Asset Growth (%) - Level -1.70%
State / Territory DE	Median Y/Y Asset Growth (%) - Level -2.00%
State / Territory FL	Median Y/Y Asset Growth (%) - Level 1.40%
State / Territory GA	Median Y/Y Asset Growth (%) - Level 0.80%
State / Territory GU	Median Y/Y Asset Growth (%) - Level 6.90%
State / Territory HI	Median Y/Y Asset Growth (%) - Level 1.50%
State / Territory IA	Median Y/Y Asset Growth (%) - Level 2.60%
State / Territory ID	Median Y/Y Asset Growth (%) - Level 2.60%
State / Territory IL	Median Y/Y Asset Growth (%) - Level 0.50%
State / Territory IN	Median Y/Y Asset Growth (%) - Level 1.70%
State / Territory KS	Median Y/Y Asset Growth (%) - Level 0.90%
State / Territory KY	Median Y/Y Asset Growth (%) - Level 1.40%
State / Territory LA	Median Y/Y Asset Growth (%) - Level -0.20%
State / Territory MA	Median Y/Y Asset Growth (%) - Level 0.30%
State / Territory MD	Median Y/Y Asset Growth (%) - Level -0.10%
State / Territory ME	Median Y/Y Asset Growth (%) - Level 6.00%
State / Territory MI	Median Y/Y Asset Growth (%) - Level 2.10%
State / Territory MN	Median Y/Y Asset Growth (%) - Level 1.70%
State / Territory MO	Median Y/Y Asset Growth (%) - Level 1.50%
State / Territory MS	Median Y/Y Asset Growth (%) - Level 1.70%
State / Territory MT	Median Y/Y Asset Growth (%) - Level 2.40%
State / Territory NC	Median Y/Y Asset Growth (%) - Level 0.80%
State / Territory ND	Median Y/Y Asset Growth (%) - Level 3.80%
State / Territory NE	Median Y/Y Asset Growth (%) - Level 1.40%
State / Territory NH	Median Y/Y Asset Growth (%) - Level 2.60%
State / Territory NJ	Median Y/Y Asset Growth (%) - Level -1.90%
State / Territory NM	Median Y/Y Asset Growth (%) - Level 2.90%
State / Territory NV	Median Y/Y Asset Growth (%) - Level 4.50%
State / Territory NY	Median Y/Y Asset Growth (%) - Level 0.70%
State / Territory OH	Median Y/Y Asset Growth (%) - Level 1.60%
State / Territory OK	Median Y/Y Asset Growth (%) - Level 0.40%
State / Territory OR	Median Y/Y Asset Growth (%) - Level 1.90%
State / Territory PA	Median Y/Y Asset Growth (%) - Level 1.20%
State / Territory PR	Median Y/Y Asset Growth (%) - Level 3.60%
State / Territory RI	Median Y/Y Asset Growth (%) - Level 0.60%
State / Territory SC	Median Y/Y Asset Growth (%) - Level 1.00%
State / Territory SD	Median Y/Y Asset Growth (%) - Level 4.20%
State / Territory TN	Median Y/Y Asset Growth (%) - Level 2.00%
State / Territory TX	Median Y/Y Asset Growth (%) - Level -0.10%
State / Territory UT	Median Y/Y Asset Growth (%) - Level 3.70%
State / Territory VA	Median Y/Y Asset Growth (%) - Level -0.40%
State / Territory VI	Median Y/Y Asset Growth (%) - Level 0.90%
State / Territory VT	Median Y/Y Asset Growth (%) - Level 3.40%
State / Territory WA	Median Y/Y Asset Growth (%) - Level 0.70%
State / Territory WI	Median Y/Y Asset Growth (%) - Level 1.60%
State / Territory WV	Median Y/Y Asset Growth (%) - Level -0.70%
State / Territory WY	Median Y/Y Asset Growth (%) - Level 5.40%

Highlights

• Nationally, assets in federally insured credit unions increased by 0.9 percent at the median over the year ending in the fourth quarter of 2024. In other words, half of all federally insured credit unions had asset growth at or above 0.9 percent and half had asset growth of 0.9 percent or less. During the year ending in the fourth quarter of 2023, the median growth rate in assets was negative 1.5 percent.
• Over the year ending in the fourth quarter of 2024, median asset growth was fastest in Maine (6.0 percent) and Wyoming (5.4 percent).
• At the median, assets declined in nine states and Washington, D.C. over the year ending in the fourth quarter of 2024. Delaware (-2.0 percent) and New Jersey (-1.9 percent) experienced the largest decline in median assets over the year.

Median Annual Share and Deposit Growth

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Median Annual Share and Deposit Growth - Fourth Quarter 2024

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 0.80%
State / Territory AR	Median Y/Y Deposit Growth (%) - Level -0.90%
State / Territory AZ	Median Y/Y Deposit Growth (%) - Level 1.90%
State / Territory CA	Median Y/Y Deposit Growth (%) - Level -0.10%
State / Territory CO	Median Y/Y Deposit Growth (%) - Level 2.20%
State / Territory CT	Median Y/Y Deposit Growth (%) - Level -1.10%
State / Territory DC	Median Y/Y Deposit Growth (%) - Level -3.50%
State / Territory DE	Median Y/Y Deposit Growth (%) - Level -2.30%
State / Territory FL	Median Y/Y Deposit Growth (%) - Level 1.80%
State / Territory GA	Median Y/Y Deposit Growth (%) - Level 0.30%
State / Territory GU	Median Y/Y Deposit Growth (%) - Level 3.40%
State / Territory HI	Median Y/Y Deposit Growth (%) - Level 1.70%
State / Territory IA	Median Y/Y Deposit Growth (%) - Level 2.80%
State / Territory ID	Median Y/Y Deposit Growth (%) - Level 2.80%
State / Territory IL	Median Y/Y Deposit Growth (%) - Level 0.40%
State / Territory IN	Median Y/Y Deposit Growth (%) - Level 1.60%
State / Territory KS	Median Y/Y Deposit Growth (%) - Level 0.80%
State / Territory KY	Median Y/Y Deposit Growth (%) - Level 0.60%
State / Territory LA	Median Y/Y Deposit Growth (%) - Level -0.90%
State / Territory MA	Median Y/Y Deposit Growth (%) - Level -0.10%
State / Territory MD	Median Y/Y Deposit Growth (%) - Level -0.20%
State / Territory ME	Median Y/Y Deposit Growth (%) - Level 6.20%
State / Territory MI	Median Y/Y Deposit Growth (%) - Level 1.30%
State / Territory MN	Median Y/Y Deposit Growth (%) - Level 1.80%
State / Territory MO	Median Y/Y Deposit Growth (%) - Level 1.40%
State / Territory MS	Median Y/Y Deposit Growth (%) - Level 0.80%
State / Territory MT	Median Y/Y Deposit Growth (%) - Level 2.00%
State / Territory NC	Median Y/Y Deposit Growth (%) - Level 1.40%
State / Territory ND	Median Y/Y Deposit Growth (%) - Level 3.30%
State / Territory NE	Median Y/Y Deposit Growth (%) - Level 1.70%
State / Territory NH	Median Y/Y Deposit Growth (%) - Level 2.20%
State / Territory NJ	Median Y/Y Deposit Growth (%) - Level -1.90%
State / Territory NM	Median Y/Y Deposit Growth (%) - Level 2.40%
State / Territory NV	Median Y/Y Deposit Growth (%) - Level 3.90%
State / Territory NY	Median Y/Y Deposit Growth (%) - Level 0.70%
State / Territory OH	Median Y/Y Deposit Growth (%) - Level 1.00%
State / Territory OK	Median Y/Y Deposit Growth (%) - Level 0.30%
State / Territory OR	Median Y/Y Deposit Growth (%) - Level 2.80%
State / Territory PA	Median Y/Y Deposit Growth (%) - Level 0.00%
State / Territory PR	Median Y/Y Deposit Growth (%) - Level 3.40%
State / Territory RI	Median Y/Y Deposit Growth (%) - Level 1.50%
State / Territory SC	Median Y/Y Deposit Growth (%) - Level 1.00%
State / Territory SD	Median Y/Y Deposit Growth (%) - Level 4.90%
State / Territory TN	Median Y/Y Deposit Growth (%) - Level 1.50%
State / Territory TX	Median Y/Y Deposit Growth (%) - Level -0.50%
State / Territory UT	Median Y/Y Deposit Growth (%) - Level 3.60%
State / Territory VA	Median Y/Y Deposit Growth (%) - Level -0.80%
State / Territory VI	Median Y/Y Deposit Growth (%) - Level 0.00%
State / Territory VT	Median Y/Y Deposit Growth (%) - Level 2.30%
State / Territory WA	Median Y/Y Deposit Growth (%) - Level 1.80%
State / Territory WI	Median Y/Y Deposit Growth (%) - Level 1.50%
State / Territory WV	Median Y/Y Deposit Growth (%) - Level -1.20%
State / Territory WY	Median Y/Y Deposit Growth (%) - Level 4.40%

Highlights

• Nationally, shares and deposits increased by 0.8 percent at the median over the year ending in the fourth quarter of 2024. During the year ending in the fourth quarter of 2023, the median growth rate in shares and deposits was negative 3.0 percent.
• Over the year ending in the fourth quarter of 2024, median growth in shares and deposits was fastest in Maine (6.2 percent) and South Dakota (4.9 percent).
• At the median, shares and deposits declined in eleven states and Washington, D.C. over the year ending in the fourth quarter of 2024. Shares and deposits declined the most in Washington, D.C. (-3.5 percent) and Delaware (-2.3 percent) over that time.

Median Annual Membership Growth

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Median Annual Membership Growth - Fourth Quarter 2024

State / Territory	Median Y/Y Member Growth (%) - Level
State / Territory AK	Median Y/Y Member Growth (%) - Level 1.70%
State / Territory AL	Median Y/Y Member Growth (%) - Level 0.10%
State / Territory AR	Median Y/Y Member Growth (%) - Level -1.20%
State / Territory AZ	Median Y/Y Member Growth (%) - Level 0.80%
State / Territory CA	Median Y/Y Member Growth (%) - Level -0.20%
State / Territory CO	Median Y/Y Member Growth (%) - Level -0.70%
State / Territory CT	Median Y/Y Member Growth (%) - Level -1.30%
State / Territory DC	Median Y/Y Member Growth (%) - Level -0.30%
State / Territory DE	Median Y/Y Member Growth (%) - Level -1.20%
State / Territory FL	Median Y/Y Member Growth (%) - Level 0.20%
State / Territory GA	Median Y/Y Member Growth (%) - Level -0.70%
State / Territory GU	Median Y/Y Member Growth (%) - Level 6.20%
State / Territory HI	Median Y/Y Member Growth (%) - Level 0.20%
State / Territory IA	Median Y/Y Member Growth (%) - Level -0.20%
State / Territory ID	Median Y/Y Member Growth (%) - Level 0.40%
State / Territory IL	Median Y/Y Member Growth (%) - Level -0.50%
State / Territory IN	Median Y/Y Member Growth (%) - Level -0.60%
State / Territory KS	Median Y/Y Member Growth (%) - Level -0.50%
State / Territory KY	Median Y/Y Member Growth (%) - Level -0.80%
State / Territory LA	Median Y/Y Member Growth (%) - Level 0.00%
State / Territory MA	Median Y/Y Member Growth (%) - Level -0.60%
State / Territory MD	Median Y/Y Member Growth (%) - Level -0.40%
State / Territory ME	Median Y/Y Member Growth (%) - Level 0.50%
State / Territory MI	Median Y/Y Member Growth (%) - Level -0.30%
State / Territory MN	Median Y/Y Member Growth (%) - Level 0.20%
State / Territory MO	Median Y/Y Member Growth (%) - Level -0.30%
State / Territory MS	Median Y/Y Member Growth (%) - Level 0.50%
State / Territory MT	Median Y/Y Member Growth (%) - Level 1.30%
State / Territory NC	Median Y/Y Member Growth (%) - Level -0.20%
State / Territory ND	Median Y/Y Member Growth (%) - Level -0.70%
State / Territory NE	Median Y/Y Member Growth (%) - Level -0.80%
State / Territory NH	Median Y/Y Member Growth (%) - Level 1.60%
State / Territory NJ	Median Y/Y Member Growth (%) - Level -2.10%
State / Territory NM	Median Y/Y Member Growth (%) - Level 1.10%
State / Territory NV	Median Y/Y Member Growth (%) - Level 0.50%
State / Territory NY	Median Y/Y Member Growth (%) - Level -0.10%
State / Territory OH	Median Y/Y Member Growth (%) - Level -1.20%
State / Territory OK	Median Y/Y Member Growth (%) - Level -1.20%
State / Territory OR	Median Y/Y Member Growth (%) - Level -0.10%
State / Territory PA	Median Y/Y Member Growth (%) - Level -1.40%
State / Territory PR	Median Y/Y Member Growth (%) - Level 2.00%
State / Territory RI	Median Y/Y Member Growth (%) - Level -1.10%
State / Territory SC	Median Y/Y Member Growth (%) - Level -1.10%
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 -0.30%
State / Territory UT	Median Y/Y Member Growth (%) - Level 0.00%
State / Territory VA	Median Y/Y Member Growth (%) - Level -1.30%
State / Territory VI	Median Y/Y Member Growth (%) - Level -0.30%
State / Territory VT	Median Y/Y Member Growth (%) - Level -0.30%
State / Territory WA	Median Y/Y Member Growth (%) - Level -0.20%
State / Territory WI	Median Y/Y Member Growth (%) - Level -0.60%
State / Territory WV	Median Y/Y Member Growth (%) - Level -0.90%
State / Territory WY	Median Y/Y Member Growth (%) - Level 1.20%

Highlights

• While membership continued to grow in the aggregate over the year ending in the fourth quarter of 2024, at the median, membership declined by 0.4 percent. Membership was roughly unchanged at the median over the year ending in the fourth quarter of 2023. Overall, about 55 percent of federally insured credit unions had fewer members at the end of the fourth quarter of 2024 than a year earlier. Credit unions with falling membership tend to be small; over half had less than $50 million in assets in the fourth quarter of 2024.
• Over the year ending in the fourth quarter of 2024, credit unions headquartered in Alaska (1.7 percent) and New Hampshire (1.6 percent) experienced the strongest median membership growth.
• At the median, membership declined in thirty-three states and Washington, D.C. over the year. New Jersey (-2.1 percent) and Pennsylvania (-1.4 percent) saw the largest median decline in membership.

Median Annual Loan Growth

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Median Annual Loan Growth - Fourth Quarter 2024

State / Territory	Median Y/Y Loan Growth (%) - Level
State / Territory AK	Median Y/Y Loan Growth (%) - Level 2.10%
State / Territory AL	Median Y/Y Loan Growth (%) - Level -0.40%
State / Territory AR	Median Y/Y Loan Growth (%) - Level -2.20%
State / Territory AZ	Median Y/Y Loan Growth (%) - Level -0.20%
State / Territory CA	Median Y/Y Loan Growth (%) - Level -0.60%
State / Territory CO	Median Y/Y Loan Growth (%) - Level -0.10%
State / Territory CT	Median Y/Y Loan Growth (%) - Level -0.80%
State / Territory DC	Median Y/Y Loan Growth (%) - Level -1.50%
State / Territory DE	Median Y/Y Loan Growth (%) - Level -0.30%
State / Territory FL	Median Y/Y Loan Growth (%) - Level 1.00%
State / Territory GA	Median Y/Y Loan Growth (%) - Level 1.10%
State / Territory GU	Median Y/Y Loan Growth (%) - Level 6.40%
State / Territory HI	Median Y/Y Loan Growth (%) - Level 2.80%
State / Territory IA	Median Y/Y Loan Growth (%) - Level -1.50%
State / Territory ID	Median Y/Y Loan Growth (%) - Level 0.10%
State / Territory IL	Median Y/Y Loan Growth (%) - Level -0.90%
State / Territory IN	Median Y/Y Loan Growth (%) - Level 0.70%
State / Territory KS	Median Y/Y Loan Growth (%) - Level 0.70%
State / Territory KY	Median Y/Y Loan Growth (%) - Level -0.10%
State / Territory LA	Median Y/Y Loan Growth (%) - Level -0.30%
State / Territory MA	Median Y/Y Loan Growth (%) - Level 0.30%
State / Territory MD	Median Y/Y Loan Growth (%) - Level -0.90%
State / Territory ME	Median Y/Y Loan Growth (%) - Level 4.00%
State / Territory MI	Median Y/Y Loan Growth (%) - Level 1.60%
State / Territory MN	Median Y/Y Loan Growth (%) - Level 0.50%
State / Territory MO	Median Y/Y Loan Growth (%) - Level -0.30%
State / Territory MS	Median Y/Y Loan Growth (%) - Level 3.40%
State / Territory MT	Median Y/Y Loan Growth (%) - Level 4.40%
State / Territory NC	Median Y/Y Loan Growth (%) - Level 1.90%
State / Territory ND	Median Y/Y Loan Growth (%) - Level 0.80%
State / Territory NE	Median Y/Y Loan Growth (%) - Level 1.60%
State / Territory NH	Median Y/Y Loan Growth (%) - Level 3.90%
State / Territory NJ	Median Y/Y Loan Growth (%) - Level -1.40%
State / Territory NM	Median Y/Y Loan Growth (%) - Level 0.70%
State / Territory NV	Median Y/Y Loan Growth (%) - Level 4.50%
State / Territory NY	Median Y/Y Loan Growth (%) - Level 0.20%
State / Territory OH	Median Y/Y Loan Growth (%) - Level -0.80%
State / Territory OK	Median Y/Y Loan Growth (%) - Level -3.20%
State / Territory OR	Median Y/Y Loan Growth (%) - Level 0.10%
State / Territory PA	Median Y/Y Loan Growth (%) - Level -1.70%
State / Territory PR	Median Y/Y Loan Growth (%) - Level -0.20%
State / Territory RI	Median Y/Y Loan Growth (%) - Level 0.30%
State / Territory SC	Median Y/Y Loan Growth (%) - Level 0.50%
State / Territory SD	Median Y/Y Loan Growth (%) - Level 0.80%
State / Territory TN	Median Y/Y Loan Growth (%) - Level -0.70%
State / Territory TX	Median Y/Y Loan Growth (%) - Level -1.50%
State / Territory UT	Median Y/Y Loan Growth (%) - Level -0.50%
State / Territory VA	Median Y/Y Loan Growth (%) - Level -0.20%
State / Territory VI	Median Y/Y Loan Growth (%) - Level 6.20%
State / Territory VT	Median Y/Y Loan Growth (%) - Level 2.30%
State / Territory WA	Median Y/Y Loan Growth (%) - Level -1.60%
State / Territory WI	Median Y/Y Loan Growth (%) - Level 0.80%
State / Territory WV	Median Y/Y Loan Growth (%) - Level -2.70%
State / Territory WY	Median Y/Y Loan Growth (%) - Level -1.90%

Highlights

• Nationally, loans outstanding were roughly unchanged at the median over the year ending in the fourth quarter of 2024. Over the previous year, loans increased by 6.2 percent at the median.
• Over the year ending in the fourth quarter of 2024, median loan growth was strongest in Nevada (4.5 percent) and Montana (4.4 percent).
• At the median, loans outstanding declined in Washington, D.C. and twenty-four states over the year, led by Oklahoma (-3.2 percent) and West Virginia (-2.7 percent).

Median Total Delinquency Rate

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Median Total Delinquency Rate - Fourth Quarter 2024

State / Territory	Median Total Delinquency Rate (bps) - Level
State / Territory AK	Median Total Delinquency Rate (bps) - Level 76
State / Territory AL	Median Total Delinquency Rate (bps) - Level 85
State / Territory AR	Median Total Delinquency Rate (bps) - Level 76
State / Territory AZ	Median Total Delinquency Rate (bps) - Level 65
State / Territory CA	Median Total Delinquency Rate (bps) - Level 53
State / Territory CO	Median Total Delinquency Rate (bps) - Level 69
State / Territory CT	Median Total Delinquency Rate (bps) - Level 69
State / Territory DC	Median Total Delinquency Rate (bps) - Level 58
State / Territory DE	Median Total Delinquency Rate (bps) - Level 86
State / Territory FL	Median Total Delinquency Rate (bps) - Level 53
State / Territory GA	Median Total Delinquency Rate (bps) - Level 77
State / Territory GU	Median Total Delinquency Rate (bps) - Level 69
State / Territory HI	Median Total Delinquency Rate (bps) - Level 77
State / Territory IA	Median Total Delinquency Rate (bps) - Level 85
State / Territory ID	Median Total Delinquency Rate (bps) - Level 82
State / Territory IL	Median Total Delinquency Rate (bps) - Level 65
State / Territory IN	Median Total Delinquency Rate (bps) - Level 84
State / Territory KS	Median Total Delinquency Rate (bps) - Level 76
State / Territory KY	Median Total Delinquency Rate (bps) - Level 68
State / Territory LA	Median Total Delinquency Rate (bps) - Level 127
State / Territory MA	Median Total Delinquency Rate (bps) - Level 51
State / Territory MD	Median Total Delinquency Rate (bps) - Level 94
State / Territory ME	Median Total Delinquency Rate (bps) - Level 56
State / Territory MI	Median Total Delinquency Rate (bps) - Level 70
State / Territory MN	Median Total Delinquency Rate (bps) - Level 54
State / Territory MO	Median Total Delinquency Rate (bps) - Level 70
State / Territory MS	Median Total Delinquency Rate (bps) - Level 141
State / Territory MT	Median Total Delinquency Rate (bps) - Level 34
State / Territory NC	Median Total Delinquency Rate (bps) - Level 102
State / Territory ND	Median Total Delinquency Rate (bps) - Level 62
State / Territory NE	Median Total Delinquency Rate (bps) - Level 67
State / Territory NH	Median Total Delinquency Rate (bps) - Level 36
State / Territory NJ	Median Total Delinquency Rate (bps) - Level 111
State / Territory NM	Median Total Delinquency Rate (bps) - Level 62
State / Territory NV	Median Total Delinquency Rate (bps) - Level 56
State / Territory NY	Median Total Delinquency Rate (bps) - Level 68
State / Territory OH	Median Total Delinquency Rate (bps) - Level 60
State / Territory OK	Median Total Delinquency Rate (bps) - Level 69
State / Territory OR	Median Total Delinquency Rate (bps) - Level 71
State / Territory PA	Median Total Delinquency Rate (bps) - Level 74
State / Territory PR	Median Total Delinquency Rate (bps) - Level 71
State / Territory RI	Median Total Delinquency Rate (bps) - Level 39
State / Territory SC	Median Total Delinquency Rate (bps) - Level 72
State / Territory SD	Median Total Delinquency Rate (bps) - Level 66
State / Territory TN	Median Total Delinquency Rate (bps) - Level 68
State / Territory TX	Median Total Delinquency Rate (bps) - Level 73
State / Territory UT	Median Total Delinquency Rate (bps) - Level 48
State / Territory VA	Median Total Delinquency Rate (bps) - Level 88
State / Territory VI	Median Total Delinquency Rate (bps) - Level 36
State / Territory VT	Median Total Delinquency Rate (bps) - Level 85
State / Territory WA	Median Total Delinquency Rate (bps) - Level 59
State / Territory WI	Median Total Delinquency Rate (bps) - Level 44
State / Territory WV	Median Total Delinquency Rate (bps) - Level 114
State / Territory WY	Median Total Delinquency Rate (bps) - Level 63

Highlights

• At the end of the fourth quarter of 2024, the median total delinquency rate among federally insured credit unions was 69 basis points, compared with 61 basis points at the end of the fourth quarter of 2023.
• At the end of the fourth quarter of 2024, the median delinquency rate was highest in Mississippi (141 basis points) and Louisiana (127 basis points).
• The median delinquency rate was lowest in Montana (34 basis points) and New Hampshire (36 basis points) at that time.

Median Loan-to-Share Ratio

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Median Loan-to-Share Ratio - Fourth Quarter 2024

State / Territory	Median Loan to Share Ratio (%) - Level
State / Territory AK	Median Loan to Share Ratio (%) - Level 81.00%
State / Territory AL	Median Loan to Share Ratio (%) - Level 62.00%
State / Territory AR	Median Loan to Share Ratio (%) - Level 77.00%
State / Territory AZ	Median Loan to Share Ratio (%) - Level 72.00%
State / Territory CA	Median Loan to Share Ratio (%) - Level 73.00%
State / Territory CO	Median Loan to Share Ratio (%) - Level 75.00%
State / Territory CT	Median Loan to Share Ratio (%) - Level 54.00%
State / Territory DC	Median Loan to Share Ratio (%) - Level 66.00%
State / Territory DE	Median Loan to Share Ratio (%) - Level 49.00%
State / Territory FL	Median Loan to Share Ratio (%) - Level 75.00%
State / Territory GA	Median Loan to Share Ratio (%) - Level 76.00%
State / Territory GU	Median Loan to Share Ratio (%) - Level 98.00%
State / Territory HI	Median Loan to Share Ratio (%) - Level 57.00%
State / Territory IA	Median Loan to Share Ratio (%) - Level 80.00%
State / Territory ID	Median Loan to Share Ratio (%) - Level 90.00%
State / Territory IL	Median Loan to Share Ratio (%) - Level 64.00%
State / Territory IN	Median Loan to Share Ratio (%) - Level 69.00%
State / Territory KS	Median Loan to Share Ratio (%) - Level 72.00%
State / Territory KY	Median Loan to Share Ratio (%) - Level 70.00%
State / Territory LA	Median Loan to Share Ratio (%) - Level 73.00%
State / Territory MA	Median Loan to Share Ratio (%) - Level 77.00%
State / Territory MD	Median Loan to Share Ratio (%) - Level 70.00%
State / Territory ME	Median Loan to Share Ratio (%) - Level 80.00%
State / Territory MI	Median Loan to Share Ratio (%) - Level 69.00%
State / Territory MN	Median Loan to Share Ratio (%) - Level 79.00%
State / Territory MO	Median Loan to Share Ratio (%) - Level 77.00%
State / Territory MS	Median Loan to Share Ratio (%) - Level 67.00%
State / Territory MT	Median Loan to Share Ratio (%) - Level 75.00%
State / Territory NC	Median Loan to Share Ratio (%) - Level 77.00%
State / Territory ND	Median Loan to Share Ratio (%) - Level 76.00%
State / Territory NE	Median Loan to Share Ratio (%) - Level 74.00%
State / Territory NH	Median Loan to Share Ratio (%) - Level 77.00%
State / Territory NJ	Median Loan to Share Ratio (%) - Level 52.00%
State / Territory NM	Median Loan to Share Ratio (%) - Level 75.00%
State / Territory NV	Median Loan to Share Ratio (%) - Level 61.00%
State / Territory NY	Median Loan to Share Ratio (%) - Level 65.00%
State / Territory OH	Median Loan to Share Ratio (%) - Level 64.00%
State / Territory OK	Median Loan to Share Ratio (%) - Level 75.00%
State / Territory OR	Median Loan to Share Ratio (%) - Level 77.00%
State / Territory PA	Median Loan to Share Ratio (%) - Level 54.00%
State / Territory PR	Median Loan to Share Ratio (%) - Level 80.00%
State / Territory RI	Median Loan to Share Ratio (%) - Level 77.00%
State / Territory SC	Median Loan to Share Ratio (%) - Level 75.00%
State / Territory SD	Median Loan to Share Ratio (%) - Level 70.00%
State / Territory TN	Median Loan to Share Ratio (%) - Level 75.00%
State / Territory TX	Median Loan to Share Ratio (%) - Level 76.00%
State / Territory UT	Median Loan to Share Ratio (%) - Level 83.00%
State / Territory VA	Median Loan to Share Ratio (%) - Level 68.00%
State / Territory VI	Median Loan to Share Ratio (%) - Level 39.00%
State / Territory VT	Median Loan to Share Ratio (%) - Level 86.00%
State / Territory WA	Median Loan to Share Ratio (%) - Level 79.00%
State / Territory WI	Median Loan to Share Ratio (%) - Level 84.00%
State / Territory WV	Median Loan to Share Ratio (%) - Level 65.00%
State / Territory WY	Median Loan to Share Ratio (%) - Level 84.00%

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 71 percent at the end of the fourth quarter of 2024. At the end of the fourth quarter of 2023, the median loan-to-share ratio was 72 percent.
• The median loan-to-share ratio was highest in Idaho (90 percent) and Vermont (86 percent) at the end of the fourth quarter of 2024.
• The median loan-to-share ratio was lowest in Delaware (49 percent) and New Jersey (52 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 2024

State / Territory	Median Annualized YTD ROAA (bps) - Level
State / Territory AK	Median Annualized YTD ROAA (bps) - Level 73
State / Territory AL	Median Annualized YTD ROAA (bps) - Level 43
State / Territory AR	Median Annualized YTD ROAA (bps) - Level 77
State / Territory AZ	Median Annualized YTD ROAA (bps) - Level 70
State / Territory CA	Median Annualized YTD ROAA (bps) - Level 47
State / Territory CO	Median Annualized YTD ROAA (bps) - Level 57
State / Territory CT	Median Annualized YTD ROAA (bps) - Level 43
State / Territory DC	Median Annualized YTD ROAA (bps) - Level 28
State / Territory DE	Median Annualized YTD ROAA (bps) - Level 27
State / Territory FL	Median Annualized YTD ROAA (bps) - Level 52
State / Territory GA	Median Annualized YTD ROAA (bps) - Level 70
State / Territory GU	Median Annualized YTD ROAA (bps) - Level 33
State / Territory HI	Median Annualized YTD ROAA (bps) - Level 51
State / Territory IA	Median Annualized YTD ROAA (bps) - Level 83
State / Territory ID	Median Annualized YTD ROAA (bps) - Level 43
State / Territory IL	Median Annualized YTD ROAA (bps) - Level 58
State / Territory IN	Median Annualized YTD ROAA (bps) - Level 66
State / Territory KS	Median Annualized YTD ROAA (bps) - Level 47
State / Territory KY	Median Annualized YTD ROAA (bps) - Level 81
State / Territory LA	Median Annualized YTD ROAA (bps) - Level 47
State / Territory MA	Median Annualized YTD ROAA (bps) - Level 45
State / Territory MD	Median Annualized YTD ROAA (bps) - Level 41
State / Territory ME	Median Annualized YTD ROAA (bps) - Level 77
State / Territory MI	Median Annualized YTD ROAA (bps) - Level 77
State / Territory MN	Median Annualized YTD ROAA (bps) - Level 68
State / Territory MO	Median Annualized YTD ROAA (bps) - Level 70
State / Territory MS	Median Annualized YTD ROAA (bps) - Level 68
State / Territory MT	Median Annualized YTD ROAA (bps) - Level 99
State / Territory NC	Median Annualized YTD ROAA (bps) - Level 40
State / Territory ND	Median Annualized YTD ROAA (bps) - Level 74
State / Territory NE	Median Annualized YTD ROAA (bps) - Level 64
State / Territory NH	Median Annualized YTD ROAA (bps) - Level 88
State / Territory NJ	Median Annualized YTD ROAA (bps) - Level 26
State / Territory NM	Median Annualized YTD ROAA (bps) - Level 74
State / Territory NV	Median Annualized YTD ROAA (bps) - Level 93
State / Territory NY	Median Annualized YTD ROAA (bps) - Level 61
State / Territory OH	Median Annualized YTD ROAA (bps) - Level 64
State / Territory OK	Median Annualized YTD ROAA (bps) - Level 51
State / Territory OR	Median Annualized YTD ROAA (bps) - Level 67
State / Territory PA	Median Annualized YTD ROAA (bps) - Level 76
State / Territory PR	Median Annualized YTD ROAA (bps) - Level 87
State / Territory RI	Median Annualized YTD ROAA (bps) - Level 43
State / Territory SC	Median Annualized YTD ROAA (bps) - Level 85
State / Territory SD	Median Annualized YTD ROAA (bps) - Level 79
State / Territory TN	Median Annualized YTD ROAA (bps) - Level 72
State / Territory TX	Median Annualized YTD ROAA (bps) - Level 53
State / Territory UT	Median Annualized YTD ROAA (bps) - Level 70
State / Territory VA	Median Annualized YTD ROAA (bps) - Level 51
State / Territory VI	Median Annualized YTD ROAA (bps) - Level 133
State / Territory VT	Median Annualized YTD ROAA (bps) - Level 68
State / Territory WA	Median Annualized YTD ROAA (bps) - Level 53
State / Territory WI	Median Annualized YTD ROAA (bps) - Level 81
State / Territory WV	Median Annualized YTD ROAA (bps) - Level 73
State / Territory WY	Median Annualized YTD ROAA (bps) - Level 108

Highlights

• Nationally, the median return on average assets at federally insured credit unions was 61 basis points in 2024, compared with 60 basis points in 2023.
• Wyoming (108 basis points) and Montana (99 basis points) had the highest median return on average assets in 2024.
• New Jersey (26 basis points) and Delaware (27 basis points) had the lowest median return on average assets at 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 - Fourth Quarter 2024

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 84.00%
State / Territory AR	Share of FICUs with Positive YTD Net Income (%) - Level 88.00%
State / Territory AZ	Share of FICUs with Positive YTD Net Income (%) - Level 88.00%
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 85.00%
State / Territory CT	Share of FICUs with Positive YTD Net Income (%) - Level 89.00%
State / Territory DC	Share of FICUs with Positive YTD Net Income (%) - Level 74.00%
State / Territory DE	Share of FICUs with Positive YTD Net Income (%) - Level 82.00%
State / Territory FL	Share of FICUs with Positive YTD Net Income (%) - Level 88.00%
State / Territory GA	Share of FICUs with Positive YTD Net Income (%) - Level 87.00%
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 91.00%
State / Territory IA	Share of FICUs with Positive YTD Net Income (%) - Level 90.00%
State / Territory ID	Share of FICUs with Positive YTD Net Income (%) - Level 85.00%
State / Territory IL	Share of FICUs with Positive YTD Net Income (%) - Level 86.00%
State / Territory IN	Share of FICUs with Positive YTD Net Income (%) - Level 88.00%
State / Territory KS	Share of FICUs with Positive YTD Net Income (%) - Level 85.00%
State / Territory KY	Share of FICUs with Positive YTD Net Income (%) - Level 89.00%
State / Territory LA	Share of FICUs with Positive YTD Net Income (%) - Level 77.00%
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 84.00%
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 95.00%
State / Territory MN	Share of FICUs with Positive YTD Net Income (%) - Level 90.00%
State / Territory MO	Share of FICUs with Positive YTD Net Income (%) - Level 88.00%
State / Territory MS	Share of FICUs with Positive YTD Net Income (%) - Level 81.00%
State / Territory MT	Share of FICUs with Positive YTD Net Income (%) - Level 95.00%
State / Territory NC	Share of FICUs with Positive YTD Net Income (%) - Level 80.00%
State / Territory ND	Share of FICUs with Positive YTD Net Income (%) - Level 90.00%
State / Territory NE	Share of FICUs with Positive YTD Net Income (%) - Level 75.00%
State / Territory NH	Share of FICUs with Positive YTD Net Income (%) - Level 92.00%
State / Territory NJ	Share of FICUs with Positive YTD Net Income (%) - Level 70.00%
State / Territory NM	Share of FICUs with Positive YTD Net Income (%) - Level 73.00%
State / Territory NV	Share of FICUs with Positive YTD Net Income (%) - Level 88.00%
State / Territory NY	Share of FICUs with Positive YTD Net Income (%) - Level 85.00%
State / Territory OH	Share of FICUs with Positive YTD Net Income (%) - Level 91.00%
State / Territory OK	Share of FICUs with Positive YTD Net Income (%) - Level 83.00%
State / Territory OR	Share of FICUs with Positive YTD Net Income (%) - Level 88.00%
State / Territory PA	Share of FICUs with Positive YTD Net Income (%) - Level 85.00%
State / Territory PR	Share of FICUs with Positive YTD Net Income (%) - Level 75.00%
State / Territory RI	Share of FICUs with Positive YTD Net Income (%) - Level 93.00%
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 91.00%
State / Territory TN	Share of FICUs with Positive YTD Net Income (%) - Level 90.00%
State / Territory TX	Share of FICUs with Positive YTD Net Income (%) - Level 82.00%
State / Territory UT	Share of FICUs with Positive YTD Net Income (%) - Level 89.00%
State / Territory VA	Share of FICUs with Positive YTD Net Income (%) - Level 84.00%
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 69.00%
State / Territory WA	Share of FICUs with Positive YTD Net Income (%) - Level 92.00%
State / Territory WI	Share of FICUs with Positive YTD Net Income (%) - Level 93.00%
State / Territory WV	Share of FICUs with Positive YTD Net Income (%) - Level 91.00%
State / Territory WY	Share of FICUs with Positive YTD Net Income (%) - Level 94.00%

Highlights

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

• Nationally, 86 percent of federally insured credit unions had positive year-to-date net income in the fourth quarter of 2024, compared with 87 percent in the fourth quarter of 2023.
• In the fourth quarter of 2024, the share of federally insured credit unions with positive year-to-date net income was highest in Maine (98 percent), followed by Michigan and Montana (95 percent).
• The share was lowest in Vermont (69 percent) and New Jersey (70 percent) at that time.

Tables and Downloads

• 2024 Q4 Summary Tables (Accessible web page)
• U.S. Summary Tables (Accessible web page)
• 2024 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
• Q4 U.S. Map Review (PDF) (Opens new window)

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