The NCUA Quarterly U.S. Map Review for the second quarter of 2020 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 second quarter of 2019 through the second quarter of 2020. 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 | 14.20% |
| AL | 10.00% |
| AR | 6.60% |
| AZ | 13.00% |
| CA | 11.20% |
| CO | 10.60% |
| CT | 9.00% |
| DC | 6.60% |
| DE | 10.20% |
| FL | 11.00% |
| GA | 9.60% |
| GU | 15.80% |
| HI | 9.40% |
| IA | 11.10% |
| ID | 14.50% |
| IL | 8.30% |
| IN | 10.70% |
| KS | 7.60% |
| KY | 9.90% |
| LA | 6.10% |
| MA | 8.60% |
| MD | 8.60% |
| ME | 14.70% |
| MI | 14.30% |
| MN | 12.80% |
| MO | 11.30% |
| MS | 7.20% |
| MT | 11.30% |
| NC | 10.50% |
| ND | 9.40% |
| NE | 9.20% |
| NH | 12.90% |
| NJ | 6.10% |
| NM | 12.20% |
| NV | 15.20% |
| NY | 10.00% |
| OH | 9.90% |
| OK | 9.20% |
| OR | 12.90% |
| PA | 7.80% |
| PR | 9.40% |
| RI | 10.30% |
| SC | 12.10% |
| SD | 13.80% |
| TN | 10.10% |
| TX | 8.10% |
| UT | 11.90% |
| VA | 8.90% |
| VI | 10.50% |
| VT | 15.30% |
| WA | 12.90% |
| WI | 13.60% |
| WV | 7.50% |
| WY | 14.70% |
Highlights
- Nationally, median asset growth over the year ending in the second quarter of 2020 was 10.0 percent. In other words, half of all federally insured credit unions had asset growth at or above 10.0 percent and half had asset growth of 10.0 percent or less. In the year ending in the second quarter of 2019, the median growth rate in assets was 1.7 percent.
- Over the year ending in the second quarter of 2020, median asset growth was highest in Vermont (15.3 percent) and Nevada (15.2 percent).
- At the median, assets grew the least in Louisiana and New Jersey (both 6.1 percent), followed by Arkansas and Washington, D.C. (both 6.6 percent).
Median Annual Share and Deposit Growth
NCUA Quarterly Map Review - Credit Union Indicators Summary
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Source: National Credit Union Administration
| State / Territory | Median Y/Y Deposit Growth (%) - Level |
|---|---|
| AK | 15.00% |
| AL | 11.50% |
| AR | 7.70% |
| AZ | 14.10% |
| CA | 11.40% |
| CO | 12.10% |
| CT | 10.60% |
| DC | 6.50% |
| DE | 12.10% |
| FL | 12.90% |
| GA | 10.90% |
| GU | 16.20% |
| HI | 9.50% |
| IA | 12.80% |
| ID | 15.50% |
| IL | 9.30% |
| IN | 12.10% |
| KS | 8.30% |
| KY | 11.10% |
| LA | 6.50% |
| MA | 10.60% |
| MD | 9.30% |
| ME | 17.40% |
| MI | 15.70% |
| MN | 14.20% |
| MO | 12.90% |
| MS | 10.00% |
| MT | 12.20% |
| NC | 12.00% |
| ND | 9.70% |
| NE | 11.30% |
| NH | 13.50% |
| NJ | 6.80% |
| NM | 13.50% |
| NV | 16.30% |
| NY | 10.60% |
| OH | 10.50% |
| OK | 10.00% |
| OR | 13.70% |
| PA | 8.90% |
| PR | 10.40% |
| RI | 12.80% |
| SC | 13.90% |
| SD | 15.20% |
| TN | 11.70% |
| TX | 8.90% |
| UT | 12.50% |
| VA | 9.70% |
| VI | 10.40% |
| VT | 16.90% |
| WA | 14.00% |
| WI | 14.40% |
| WV | 9.10% |
| WY | 17.00% |
Highlights
- Nationally, median growth in shares and deposits over the year ending in the second quarter of 2020 was 11.1 percent. In the year ending in the second quarter of 2019, the median growth rate in shares and deposits was 1.1 percent.
- Over the year ending in the second quarter of 2020, median growth in shares and deposits was highest in Maine (17.4 percent) and Wyoming (17.0 percent).
- At the median, shares and deposits grew the least in Louisiana and Washington, D.C. (both 6.5 percent), followed by New Jersey (6.8 percent).
Median Annual Membership Growth
NCUA Quarterly Map Review - Credit Union Indicators Summary
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Source: National Credit Union Administration
| State / Territory | Median Y/Y Member Growth (%) - Level |
|---|---|
| AK | 3.10% |
| AL | 0.50% |
| AR | -1.00% |
| AZ | 0.60% |
| CA | 0.90% |
| CO | 0.80% |
| CT | -1.00% |
| DC | -1.10% |
| DE | 1.10% |
| FL | 0.60% |
| GA | -0.70% |
| GU | 3.90% |
| HI | -0.40% |
| IA | 0.50% |
| ID | 2.10% |
| IL | -0.70% |
| IN | -0.20% |
| KS | -0.80% |
| KY | -0.20% |
| LA | -0.10% |
| MA | -1.00% |
| MD | -0.40% |
| ME | 1.20% |
| MI | -0.20% |
| MN | 0.90% |
| MO | 0.00% |
| MS | -0.60% |
| MT | 0.30% |
| NC | 0.00% |
| ND | -0.80% |
| NE | -0.20% |
| NH | 0.20% |
| NJ | -1.70% |
| NM | 1.10% |
| NV | 0.90% |
| NY | -0.50% |
| OH | -0.90% |
| OK | -0.40% |
| OR | -0.10% |
| PA | -1.40% |
| PR | -3.20% |
| RI | 0.00% |
| SC | 0.30% |
| SD | 0.00% |
| TN | -0.30% |
| TX | -0.20% |
| UT | 1.40% |
| VA | -0.70% |
| VI | -1.30% |
| VT | 1.60% |
| WA | 1.20% |
| WI | 0.50% |
| WV | -0.60% |
| WY | 0.50% |
Highlights
- While overall membership in federally insured credit unions continued to grow during the year ending in the second quarter of 2020, at the median, membership declined 0.3 percent. Membership was unchanged at the median over the year ending in the second quarter of 2019. Overall, about half of federally insured credit unions had fewer members at the end of the second quarter of 2020 than a year earlier. Credit unions with falling membership tend to be small; nearly 70 percent had less than $50 million in assets.
- Over the year ending in the second quarter of 2020, credit unions headquartered in Alaska (3.1 percent) and Idaho (2.1 percent) posted the highest median membership growth rates.
- In 25 states and Washington, D.C., the median membership growth rate for federally insured credit unions was negative. At the median, membership declined the most in New Jersey (-1.7 percent) and Pennsylvania (-1.4 percent).
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 | 4.40% |
| AL | 1.00% |
| AR | -3.20% |
| AZ | -0.10% |
| CA | 2.70% |
| CO | 1.80% |
| CT | -3.20% |
| DC | -2.00% |
| DE | 0.50% |
| FL | 3.10% |
| GA | 0.40% |
| GU | 8.30% |
| HI | -1.60% |
| IA | 0.90% |
| ID | 6.70% |
| IL | -1.10% |
| IN | 0.90% |
| KS | -1.80% |
| KY | -0.90% |
| LA | -3.40% |
| MA | -0.60% |
| MD | -0.70% |
| ME | 3.40% |
| MI | 2.70% |
| MN | 3.50% |
| MO | 2.10% |
| MS | -1.70% |
| MT | 2.50% |
| NC | 0.40% |
| ND | 2.00% |
| NE | -3.00% |
| NH | -0.70% |
| NJ | -5.60% |
| NM | 4.00% |
| NV | 1.70% |
| NY | -0.10% |
| OH | -1.30% |
| OK | 1.50% |
| OR | 1.90% |
| PA | -2.80% |
| PR | -2.90% |
| RI | 1.30% |
| SC | 2.20% |
| SD | 1.80% |
| TN | -0.60% |
| TX | -0.70% |
| UT | 3.80% |
| VA | -0.70% |
| VI | 12.10% |
| VT | 1.80% |
| WA | 2.30% |
| WI | 2.50% |
| WV | 0.40% |
| WY | 6.10% |
Highlights
- Nationally, the median growth rate in loans outstanding was 0.2 percent over the year ending in the second quarter of 2020. The median loan growth rate during the previous year was 4.6 percent.
- Over the year ending in the second quarter of 2020, median loan growth was strongest in Idaho (6.7 percent) and Wyoming (6.1 percent).
- At the median, loans outstanding declined the most in New Jersey (-5.6 percent) and Louisiana (-3.4 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 | 62 |
| AL | 76 |
| AR | 65 |
| AZ | 33 |
| CA | 26 |
| CO | 31 |
| CT | 85 |
| DC | 63 |
| DE | 72 |
| FL | 36 |
| GA | 52 |
| GU | 129 |
| HI | 60 |
| IA | 58 |
| ID | 29 |
| IL | 59 |
| IN | 58 |
| KS | 63 |
| KY | 56 |
| LA | 82 |
| MA | 52 |
| MD | 74 |
| ME | 41 |
| MI | 57 |
| MN | 32 |
| MO | 43 |
| MS | 85 |
| MT | 40 |
| NC | 82 |
| ND | 59 |
| NE | 42 |
| NH | 23 |
| NJ | 141 |
| NM | 42 |
| NV | 27 |
| NY | 66 |
| OH | 53 |
| OK | 43 |
| OR | 24 |
| PA | 66 |
| PR | 43 |
| RI | 35 |
| SC | 47 |
| SD | 47 |
| TN | 50 |
| TX | 47 |
| UT | 24 |
| VA | 61 |
| VI | 131 |
| VT | 59 |
| WA | 27 |
| WI | 50 |
| WV | 70 |
| WY | 42 |
Highlights
At the end of the second quarter of 2020, the median total delinquency rate among federally insured credit unions was 52 basis points, compared to 60 basis points in the second quarter of 2019.
At the end of the second quarter of 2020, the median delinquency rate was highest in New Jersey (141 basis points), followed by Connecticut and Mississippi (both 85 basis points).
The median delinquency rate was lowest in New Hampshire (23 basis points), followed by Oregon and Utah (both 24 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 | 78.00% |
| AL | 57.00% |
| AR | 65.00% |
| AZ | 69.00% |
| CA | 63.00% |
| CO | 70.00% |
| CT | 50.00% |
| DC | 49.00% |
| DE | 47.00% |
| FL | 62.00% |
| GA | 64.00% |
| GU | 87.00% |
| HI | 47.00% |
| IA | 70.00% |
| ID | 82.00% |
| IL | 56.00% |
| IN | 64.00% |
| KS | 69.00% |
| KY | 60.00% |
| LA | 62.00% |
| MA | 63.00% |
| MD | 61.00% |
| ME | 75.00% |
| MI | 61.00% |
| MN | 75.00% |
| MO | 67.00% |
| MS | 54.00% |
| MT | 59.00% |
| NC | 67.00% |
| ND | 65.00% |
| NE | 60.00% |
| NH | 73.00% |
| NJ | 44.00% |
| NM | 67.00% |
| NV | 62.00% |
| NY | 56.00% |
| OH | 60.00% |
| OK | 70.00% |
| OR | 72.00% |
| PA | 47.00% |
| PR | 65.00% |
| RI | 72.00% |
| SC | 65.00% |
| SD | 71.00% |
| TN | 66.00% |
| TX | 69.00% |
| UT | 77.00% |
| VA | 63.00% |
| VI | 36.00% |
| VT | 79.00% |
| WA | 73.00% |
| WI | 78.00% |
| WV | 60.00% |
| WY | 72.00% |
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 63 percent at the end of the second quarter of 2020. At the end of the second quarter of 2019, the median loans-to-shares ratio was 70 percent.
- The median loans-to-shares ratio was highest in Idaho (82 percent) and Vermont (79 percent).
- The median loans-to-shares ratio was lowest in New Jersey (44 percent), followed by Delaware, Hawaii, and Pennsylvania (all 47 percent).
Median Return on Average Assets
NCUA Quarterly Map Review - Credit Union Indicators Summary
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Source: National Credit Union Administration
| State / Territory | Median Annualized YTD ROAA (bps) - Level |
|---|---|
| AK | 55 |
| AL | 39 |
| AR | 65 |
| AZ | 37 |
| CA | 30 |
| CO | 41 |
| CT | 23 |
| DC | 28 |
| DE | 22 |
| FL | 28 |
| GA | 36 |
| GU | 45 |
| HI | 30 |
| IA | 42 |
| ID | 72 |
| IL | 39 |
| IN | 44 |
| KS | 55 |
| KY | 33 |
| LA | 43 |
| MA | 27 |
| MD | 20 |
| ME | 44 |
| MI | 46 |
| MN | 49 |
| MO | 44 |
| MS | 44 |
| MT | 41 |
| NC | 27 |
| ND | 51 |
| NE | 20 |
| NH | 35 |
| NJ | 30 |
| NM | 47 |
| NV | 47 |
| NY | 43 |
| OH | 31 |
| OK | 49 |
| OR | 70 |
| PA | 31 |
| PR | 51 |
| RI | 33 |
| SC | 44 |
| SD | 44 |
| TN | 28 |
| TX | 49 |
| UT | 73 |
| VA | 30 |
| VI | 49 |
| VT | 43 |
| WA | 56 |
| WI | 59 |
| WV | 50 |
| WY | 43 |
Highlights
- Nationally, the median annualized return on average assets at federally insured credit unions was 39 basis points during the first half of 2020, compared to 63 basis points during the first half of 2019.
- Utah (73 basis points) and Idaho (72 basis points) had the highest median annualized returns on average assets during the first half of 2020.
- Maryland and Nebraska had the lowest median annualized return on average assets during that time (both 20 basis points), followed by Delaware (22 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 | 80.00% |
| AL | 76.00% |
| AR | 80.00% |
| AZ | 67.00% |
| CA | 78.00% |
| CO | 74.00% |
| CT | 69.00% |
| DC | 67.00% |
| DE | 88.00% |
| FL | 78.00% |
| GA | 74.00% |
| GU | 50.00% |
| HI | 71.00% |
| IA | 90.00% |
| ID | 92.00% |
| IL | 80.00% |
| IN | 86.00% |
| KS | 79.00% |
| KY | 79.00% |
| LA | 76.00% |
| MA | 78.00% |
| MD | 70.00% |
| ME | 93.00% |
| MI | 89.00% |
| MN | 86.00% |
| MO | 83.00% |
| MS | 77.00% |
| MT | 89.00% |
| NC | 70.00% |
| ND | 94.00% |
| NE | 68.00% |
| NH | 86.00% |
| NJ | 77.00% |
| NM | 95.00% |
| NV | 80.00% |
| NY | 82.00% |
| OH | 80.00% |
| OK | 87.00% |
| OR | 96.00% |
| PA | 79.00% |
| PR | 86.00% |
| RI | 78.00% |
| SC | 75.00% |
| SD | 81.00% |
| TN | 73.00% |
| TX | 81.00% |
| UT | 92.00% |
| VA | 78.00% |
| VI | 80.00% |
| VT | 95.00% |
| WA | 95.00% |
| WI | 87.00% |
| WV | 86.00% |
| WY | 88.00% |
Highlights
Shares on this page are rounded to the nearest percentage point.
- Nationally, 81 percent of federally insured credit unions had positive net income during the first half of 2020, compared to 88 percent during the first half of 2019.
- At least 65 percent of credit unions in every state and Washington, D.C. had positive net income during the first half of 2020.
- The share of federally insured credit unions with positive net income was highest in Oregon (96 percent), followed by New Mexico, Vermont, and Washington (all 95 percent).
- The share was lowest in Arizona and Washington, D.C. (both 67 percent), followed by Nebraska (68 percent).
Tables and Downloads
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.
3 Loans-to-shares ratios are rounded to the nearest percentage point.