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

The NCUA Quarterly U.S. Map Review for the second 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 second quarter of 2020 through the second 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 tool (Opens new window) . 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 - Second Quarter 2021

State / Territory	Median Y/Y Asset Growth (%) - Level
State / Territory AK	Median Y/Y Asset Growth (%) - Level 13.40%
State / Territory AL	Median Y/Y Asset Growth (%) - Level 10.80%
State / Territory AR	Median Y/Y Asset Growth (%) - Level 8.20%
State / Territory AZ	Median Y/Y Asset Growth (%) - Level 15.70%
State / Territory CA	Median Y/Y Asset Growth (%) - Level 11.70%
State / Territory CO	Median Y/Y Asset Growth (%) - Level 12.00%
State / Territory CT	Median Y/Y Asset Growth (%) - Level 10.10%
State / Territory DC	Median Y/Y Asset Growth (%) - Level 5.50%
State / Territory DE	Median Y/Y Asset Growth (%) - Level 9.60%
State / Territory FL	Median Y/Y Asset Growth (%) - Level 12.80%
State / Territory GA	Median Y/Y Asset Growth (%) - Level 11.30%
State / Territory GU	Median Y/Y Asset Growth (%) - Level 14.10%
State / Territory HI	Median Y/Y Asset Growth (%) - Level 9.00%
State / Territory IA	Median Y/Y Asset Growth (%) - Level 11.50%
State / Territory ID	Median Y/Y Asset Growth (%) - Level 19.50%
State / Territory IL	Median Y/Y Asset Growth (%) - Level 10.20%
State / Territory IN	Median Y/Y Asset Growth (%) - Level 12.70%
State / Territory KS	Median Y/Y Asset Growth (%) - Level 8.90%
State / Territory KY	Median Y/Y Asset Growth (%) - Level 9.70%
State / Territory LA	Median Y/Y Asset Growth (%) - Level 8.80%
State / Territory MA	Median Y/Y Asset Growth (%) - Level 9.10%
State / Territory MD	Median Y/Y Asset Growth (%) - Level 9.10%
State / Territory ME	Median Y/Y Asset Growth (%) - Level 13.70%
State / Territory MI	Median Y/Y Asset Growth (%) - Level 13.40%
State / Territory MN	Median Y/Y Asset Growth (%) - Level 13.20%
State / Territory MO	Median Y/Y Asset Growth (%) - Level 11.50%
State / Territory MS	Median Y/Y Asset Growth (%) - Level 9.30%
State / Territory MT	Median Y/Y Asset Growth (%) - Level 14.10%
State / Territory NC	Median Y/Y Asset Growth (%) - Level 10.50%
State / Territory ND	Median Y/Y Asset Growth (%) - Level 10.00%
State / Territory NE	Median Y/Y Asset Growth (%) - Level 8.50%
State / Territory NH	Median Y/Y Asset Growth (%) - Level 11.10%
State / Territory NJ	Median Y/Y Asset Growth (%) - Level 7.20%
State / Territory NM	Median Y/Y Asset Growth (%) - Level 13.80%
State / Territory NV	Median Y/Y Asset Growth (%) - Level 16.80%
State / Territory NY	Median Y/Y Asset Growth (%) - Level 10.50%
State / Territory OH	Median Y/Y Asset Growth (%) - Level 9.90%
State / Territory OK	Median Y/Y Asset Growth (%) - Level 8.80%
State / Territory OR	Median Y/Y Asset Growth (%) - Level 16.00%
State / Territory PA	Median Y/Y Asset Growth (%) - Level 9.70%
State / Territory PR	Median Y/Y Asset Growth (%) - Level 13.90%
State / Territory RI	Median Y/Y Asset Growth (%) - Level 10.40%
State / Territory SC	Median Y/Y Asset Growth (%) - Level 13.20%
State / Territory SD	Median Y/Y Asset Growth (%) - Level 15.50%
State / Territory TN	Median Y/Y Asset Growth (%) - Level 10.20%
State / Territory TX	Median Y/Y Asset Growth (%) - Level 8.70%
State / Territory UT	Median Y/Y Asset Growth (%) - Level 14.00%
State / Territory VA	Median Y/Y Asset Growth (%) - Level 9.00%
State / Territory VI	Median Y/Y Asset Growth (%) - Level 13.20%
State / Territory VT	Median Y/Y Asset Growth (%) - Level 14.30%
State / Territory WA	Median Y/Y Asset Growth (%) - Level 14.20%
State / Territory WI	Median Y/Y Asset Growth (%) - Level 12.90%
State / Territory WV	Median Y/Y Asset Growth (%) - Level 10.00%
State / Territory WY	Median Y/Y Asset Growth (%) - Level 13.10%

Highlights

• Nationally, median asset growth over the year ending in the second quarter of 2021 was 10.8 percent. In other words, half of all federally insured credit unions had asset growth at or above 10.8 percent and half had asset growth of 10.8 percent or less. In the year ending in the second quarter of 2020, the median growth rate in assets was 10.0 percent.
• Over the year ending in the second quarter of 2021, median asset growth was highest in Idaho (19.5 percent) and Nevada (16.8 percent).
• At the median, assets grew the least in Washington, D.C. (5.5 percent) and New Jersey (7.2 percent).

Median Annual Share and Deposit Growth

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Median Annual Share and Deposit Growth - Second Quarter 2021

State / Territory	Median Y/Y Deposit Growth (%) - Level
State / Territory AK	Median Y/Y Deposit Growth (%) - Level 14.50%
State / Territory AL	Median Y/Y Deposit Growth (%) - Level 12.20%
State / Territory AR	Median Y/Y Deposit Growth (%) - Level 9.20%
State / Territory AZ	Median Y/Y Deposit Growth (%) - Level 16.60%
State / Territory CA	Median Y/Y Deposit Growth (%) - Level 13.70%
State / Territory CO	Median Y/Y Deposit Growth (%) - Level 13.30%
State / Territory CT	Median Y/Y Deposit Growth (%) - Level 11.30%
State / Territory DC	Median Y/Y Deposit Growth (%) - Level 7.40%
State / Territory DE	Median Y/Y Deposit Growth (%) - Level 10.70%
State / Territory FL	Median Y/Y Deposit Growth (%) - Level 14.20%
State / Territory GA	Median Y/Y Deposit Growth (%) - Level 13.00%
State / Territory GU	Median Y/Y Deposit Growth (%) - Level 17.80%
State / Territory HI	Median Y/Y Deposit Growth (%) - Level 10.80%
State / Territory IA	Median Y/Y Deposit Growth (%) - Level 13.30%
State / Territory ID	Median Y/Y Deposit Growth (%) - Level 19.70%
State / Territory IL	Median Y/Y Deposit Growth (%) - Level 11.40%
State / Territory IN	Median Y/Y Deposit Growth (%) - Level 14.00%
State / Territory KS	Median Y/Y Deposit Growth (%) - Level 10.60%
State / Territory KY	Median Y/Y Deposit Growth (%) - Level 11.60%
State / Territory LA	Median Y/Y Deposit Growth (%) - Level 10.10%
State / Territory MA	Median Y/Y Deposit Growth (%) - Level 11.00%
State / Territory MD	Median Y/Y Deposit Growth (%) - Level 10.40%
State / Territory ME	Median Y/Y Deposit Growth (%) - Level 15.50%
State / Territory MI	Median Y/Y Deposit Growth (%) - Level 14.90%
State / Territory MN	Median Y/Y Deposit Growth (%) - Level 14.70%
State / Territory MO	Median Y/Y Deposit Growth (%) - Level 12.90%
State / Territory MS	Median Y/Y Deposit Growth (%) - Level 11.80%
State / Territory MT	Median Y/Y Deposit Growth (%) - Level 15.60%
State / Territory NC	Median Y/Y Deposit Growth (%) - Level 11.70%
State / Territory ND	Median Y/Y Deposit Growth (%) - Level 10.50%
State / Territory NE	Median Y/Y Deposit Growth (%) - Level 10.00%
State / Territory NH	Median Y/Y Deposit Growth (%) - Level 12.90%
State / Territory NJ	Median Y/Y Deposit Growth (%) - Level 8.20%
State / Territory NM	Median Y/Y Deposit Growth (%) - Level 15.20%
State / Territory NV	Median Y/Y Deposit Growth (%) - Level 19.10%
State / Territory NY	Median Y/Y Deposit Growth (%) - Level 11.00%
State / Territory OH	Median Y/Y Deposit Growth (%) - Level 11.80%
State / Territory OK	Median Y/Y Deposit Growth (%) - Level 9.60%
State / Territory OR	Median Y/Y Deposit Growth (%) - Level 19.10%
State / Territory PA	Median Y/Y Deposit Growth (%) - Level 11.10%
State / Territory PR	Median Y/Y Deposit Growth (%) - Level 15.60%
State / Territory RI	Median Y/Y Deposit Growth (%) - Level 11.80%
State / Territory SC	Median Y/Y Deposit Growth (%) - Level 15.50%
State / Territory SD	Median Y/Y Deposit Growth (%) - Level 17.10%
State / Territory TN	Median Y/Y Deposit Growth (%) - Level 12.00%
State / Territory TX	Median Y/Y Deposit Growth (%) - Level 9.50%
State / Territory UT	Median Y/Y Deposit Growth (%) - Level 15.30%
State / Territory VA	Median Y/Y Deposit Growth (%) - Level 10.30%
State / Territory VI	Median Y/Y Deposit Growth (%) - Level 12.30%
State / Territory VT	Median Y/Y Deposit Growth (%) - Level 15.20%
State / Territory WA	Median Y/Y Deposit Growth (%) - Level 16.00%
State / Territory WI	Median Y/Y Deposit Growth (%) - Level 14.20%
State / Territory WV	Median Y/Y Deposit Growth (%) - Level 11.90%
State / Territory WY	Median Y/Y Deposit Growth (%) - Level 13.30%

Highlights

• Nationally, median growth in shares and deposits over the year ending in the second quarter of 2021 was 12.2 percent. In the year ending in the second quarter of 2020, the median growth rate in shares and deposits was 11.1 percent.
• Over the year ending in the second quarter of 2021, median growth in shares and deposits was highest in Idaho (19.7 percent), followed by Nevada and Oregon (both 19.1 percent).
• At the median, shares and deposits grew the least in Washington, D.C. (7.4 percent) and New Jersey (8.2 percent).

Median Annual Membership Growth

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Median Annual Membership Growth - Second Quarter 2021

State / Territory	Median Y/Y Member Growth (%) - Level
State / Territory AK	Median Y/Y Member Growth (%) - Level 4.50%
State / Territory AL	Median Y/Y Member Growth (%) - Level 0.70%
State / Territory AR	Median Y/Y Member Growth (%) - Level -1.20%
State / Territory AZ	Median Y/Y Member Growth (%) - Level 1.60%
State / Territory CA	Median Y/Y Member Growth (%) - Level -0.20%
State / Territory CO	Median Y/Y Member Growth (%) - Level 0.10%
State / Territory CT	Median Y/Y Member Growth (%) - Level -1.60%
State / Territory DC	Median Y/Y Member Growth (%) - Level -1.60%
State / Territory DE	Median Y/Y Member Growth (%) - Level 0.20%
State / Territory FL	Median Y/Y Member Growth (%) - Level 0.60%
State / Territory GA	Median Y/Y Member Growth (%) - Level -0.50%
State / Territory GU	Median Y/Y Member Growth (%) - Level -1.90%
State / Territory HI	Median Y/Y Member Growth (%) - Level -0.40%
State / Territory IA	Median Y/Y Member Growth (%) - Level 0.80%
State / Territory ID	Median Y/Y Member Growth (%) - Level 3.90%
State / Territory IL	Median Y/Y Member Growth (%) - Level -1.00%
State / Territory IN	Median Y/Y Member Growth (%) - Level -0.40%
State / Territory KS	Median Y/Y Member Growth (%) - Level -1.00%
State / Territory KY	Median Y/Y Member Growth (%) - Level -0.10%
State / Territory LA	Median Y/Y Member Growth (%) - Level -0.70%
State / Territory MA	Median Y/Y Member Growth (%) - Level -1.10%
State / Territory MD	Median Y/Y Member Growth (%) - Level -1.40%
State / Territory ME	Median Y/Y Member Growth (%) - Level 1.20%
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 0.60%
State / Territory MS	Median Y/Y Member Growth (%) - Level 0.40%
State / Territory MT	Median Y/Y Member Growth (%) - Level 0.60%
State / Territory NC	Median Y/Y Member Growth (%) - Level -0.40%
State / Territory ND	Median Y/Y Member Growth (%) - Level -0.90%
State / Territory NE	Median Y/Y Member Growth (%) - Level 0.10%
State / Territory NH	Median Y/Y Member Growth (%) - Level 0.30%
State / Territory NJ	Median Y/Y Member Growth (%) - Level -2.00%
State / Territory NM	Median Y/Y Member Growth (%) - Level 2.00%
State / Territory NV	Median Y/Y Member Growth (%) - Level 0.90%
State / Territory NY	Median Y/Y Member Growth (%) - Level -0.70%
State / Territory OH	Median Y/Y Member Growth (%) - Level -0.80%
State / Territory OK	Median Y/Y Member Growth (%) - Level -0.40%
State / Territory OR	Median Y/Y Member Growth (%) - Level 0.30%
State / Territory PA	Median Y/Y Member Growth (%) - Level -1.70%
State / Territory PR	Median Y/Y Member Growth (%) - Level -3.20%
State / Territory RI	Median Y/Y Member Growth (%) - Level -1.60%
State / Territory SC	Median Y/Y Member Growth (%) - Level 0.40%
State / Territory SD	Median Y/Y Member Growth (%) - Level 2.20%
State / Territory TN	Median Y/Y Member Growth (%) - Level -0.60%
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 -0.90%
State / Territory VI	Median Y/Y Member Growth (%) - Level 0.20%
State / Territory VT	Median Y/Y Member Growth (%) - Level 0.40%
State / Territory WA	Median Y/Y Member Growth (%) - Level 1.00%
State / Territory WI	Median Y/Y Member Growth (%) - Level 0.20%
State / Territory WV	Median Y/Y Member Growth (%) - Level -0.30%
State / Territory WY	Median Y/Y Member Growth (%) - Level 2.60%

Highlights

• While overall membership in federally insured credit unions continued to grow during the year ending in the second quarter of 2021, at the median, membership declined 0.4 percent. Membership declined 0.3 at the median during the preceding year (over the year ending in the second quarter of 2020). Overall, about 55 percent of federally insured credit unions had fewer members at the end of the second quarter of 2021 than a year earlier. Credit unions with falling membership tend to be small; 65 percent had less than $50 million in assets.
• Over the year ending in the second quarter of 2021, credit unions headquartered in Alaska (4.5 percent) and Idaho (3.9 percent) posted the highest median membership growth rates.
• In 24 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 (-2.0 percent) and Pennsylvania (-1.7 percent), and was unchanged in Utah.

Median Annual Loan Growth

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Median Annual Loan Growth - Second Quarter 2021

State / Territory	Median Y/Y Loan Growth (%) - Level
State / Territory AK	Median Y/Y Loan Growth (%) - Level 7.00%
State / Territory AL	Median Y/Y Loan Growth (%) - Level 3.00%
State / Territory AR	Median Y/Y Loan Growth (%) - Level -1.60%
State / Territory AZ	Median Y/Y Loan Growth (%) - Level 3.00%
State / Territory CA	Median Y/Y Loan Growth (%) - Level 1.20%
State / Territory CO	Median Y/Y Loan Growth (%) - Level 3.20%
State / Territory CT	Median Y/Y Loan Growth (%) - Level 0.50%
State / Territory DC	Median Y/Y Loan Growth (%) - Level -2.10%
State / Territory DE	Median Y/Y Loan Growth (%) - Level -3.70%
State / Territory FL	Median Y/Y Loan Growth (%) - Level 6.30%
State / Territory GA	Median Y/Y Loan Growth (%) - Level 3.40%
State / Territory GU	Median Y/Y Loan Growth (%) - Level -2.60%
State / Territory HI	Median Y/Y Loan Growth (%) - Level 0.90%
State / Territory IA	Median Y/Y Loan Growth (%) - Level 3.80%
State / Territory ID	Median Y/Y Loan Growth (%) - Level 9.50%
State / Territory IL	Median Y/Y Loan Growth (%) - Level -0.40%
State / Territory IN	Median Y/Y Loan Growth (%) - Level 3.20%
State / Territory KS	Median Y/Y Loan Growth (%) - Level -1.20%
State / Territory KY	Median Y/Y Loan Growth (%) - Level 2.60%
State / Territory LA	Median Y/Y Loan Growth (%) - Level 0.80%
State / Territory MA	Median Y/Y Loan Growth (%) - Level 0.00%
State / Territory MD	Median Y/Y Loan Growth (%) - Level -0.80%
State / Territory ME	Median Y/Y Loan Growth (%) - Level 3.20%
State / Territory MI	Median Y/Y Loan Growth (%) - Level 5.00%
State / Territory MN	Median Y/Y Loan Growth (%) - Level 2.70%
State / Territory MO	Median Y/Y Loan Growth (%) - Level 5.20%
State / Territory MS	Median Y/Y Loan Growth (%) - Level 3.00%
State / Territory MT	Median Y/Y Loan Growth (%) - Level 2.00%
State / Territory NC	Median Y/Y Loan Growth (%) - Level 4.80%
State / Territory ND	Median Y/Y Loan Growth (%) - Level 2.40%
State / Territory NE	Median Y/Y Loan Growth (%) - Level 2.70%
State / Territory NH	Median Y/Y Loan Growth (%) - Level 1.80%
State / Territory NJ	Median Y/Y Loan Growth (%) - Level -4.30%
State / Territory NM	Median Y/Y Loan Growth (%) - Level 1.00%
State / Territory NV	Median Y/Y Loan Growth (%) - Level 5.50%
State / Territory NY	Median Y/Y Loan Growth (%) - Level 0.20%
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 3.40%
State / Territory PA	Median Y/Y Loan Growth (%) - Level -0.80%
State / Territory PR	Median Y/Y Loan Growth (%) - Level -7.70%
State / Territory RI	Median Y/Y Loan Growth (%) - Level 5.10%
State / Territory SC	Median Y/Y Loan Growth (%) - Level 2.80%
State / Territory SD	Median Y/Y Loan Growth (%) - Level 4.30%
State / Territory TN	Median Y/Y Loan Growth (%) - Level 5.20%
State / Territory TX	Median Y/Y Loan Growth (%) - Level 1.50%
State / Territory UT	Median Y/Y Loan Growth (%) - Level 5.80%
State / Territory VA	Median Y/Y Loan Growth (%) - Level -1.90%
State / Territory VI	Median Y/Y Loan Growth (%) - Level -2.50%
State / Territory VT	Median Y/Y Loan Growth (%) - Level 5.30%
State / Territory WA	Median Y/Y Loan Growth (%) - Level 6.50%
State / Territory WI	Median Y/Y Loan Growth (%) - Level 4.70%
State / Territory WV	Median Y/Y Loan Growth (%) - Level -1.00%
State / Territory WY	Median Y/Y Loan Growth (%) - Level 2.00%

Highlights

• Nationally, loans outstanding rose 1.9 percent at the median over the year ending in the second quarter of 2021. During the previous year, loans grew by 0.2 percent at the median.
• Over the year ending in the second quarter of 2021, median loan growth was strongest in Idaho (9.5 percent) and Alaska (7.0 percent).
• In nine states and Washington, D.C., the median loan growth rate for federally insured credit unions was negative. At the median, loans outstanding declined the most in New Jersey (-4.3 percent) and Delaware (-3.7 percent).

Median Total Delinquency Rate

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Median Total Delinquency Rate - Second 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 35
State / Territory AR	Median Total Delinquency Rate (bps) - Level 44
State / Territory AZ	Median Total Delinquency Rate (bps) - Level 18
State / Territory CA	Median Total Delinquency Rate (bps) - Level 17
State / Territory CO	Median Total Delinquency Rate (bps) - Level 23
State / Territory CT	Median Total Delinquency Rate (bps) - Level 40
State / Territory DC	Median Total Delinquency Rate (bps) - Level 46
State / Territory DE	Median Total Delinquency Rate (bps) - Level 37
State / Territory FL	Median Total Delinquency Rate (bps) - Level 22
State / Territory GA	Median Total Delinquency Rate (bps) - Level 23
State / Territory GU	Median Total Delinquency Rate (bps) - Level 55
State / Territory HI	Median Total Delinquency Rate (bps) - Level 35
State / Territory IA	Median Total Delinquency Rate (bps) - Level 35
State / Territory ID	Median Total Delinquency Rate (bps) - Level 26
State / Territory IL	Median Total Delinquency Rate (bps) - Level 35
State / Territory IN	Median Total Delinquency Rate (bps) - Level 28
State / Territory KS	Median Total Delinquency Rate (bps) - Level 49
State / Territory KY	Median Total Delinquency Rate (bps) - Level 33
State / Territory LA	Median Total Delinquency Rate (bps) - Level 57
State / Territory MA	Median Total Delinquency Rate (bps) - Level 34
State / Territory MD	Median Total Delinquency Rate (bps) - Level 62
State / Territory ME	Median Total Delinquency Rate (bps) - Level 34
State / Territory MI	Median Total Delinquency Rate (bps) - Level 32
State / Territory MN	Median Total Delinquency Rate (bps) - Level 20
State / Territory MO	Median Total Delinquency Rate (bps) - Level 30
State / Territory MS	Median Total Delinquency Rate (bps) - Level 50
State / Territory MT	Median Total Delinquency Rate (bps) - Level 21
State / Territory NC	Median Total Delinquency Rate (bps) - Level 63
State / Territory ND	Median Total Delinquency Rate (bps) - Level 35
State / Territory NE	Median Total Delinquency Rate (bps) - Level 37
State / Territory NH	Median Total Delinquency Rate (bps) - Level 15
State / Territory NJ	Median Total Delinquency Rate (bps) - Level 88
State / Territory NM	Median Total Delinquency Rate (bps) - Level 39
State / Territory NV	Median Total Delinquency Rate (bps) - Level 25
State / Territory NY	Median Total Delinquency Rate (bps) - Level 41
State / Territory OH	Median Total Delinquency Rate (bps) - Level 31
State / Territory OK	Median Total Delinquency Rate (bps) - Level 37
State / Territory OR	Median Total Delinquency Rate (bps) - Level 15
State / Territory PA	Median Total Delinquency Rate (bps) - Level 39
State / Territory PR	Median Total Delinquency Rate (bps) - Level 49
State / Territory RI	Median Total Delinquency Rate (bps) - Level 15
State / Territory SC	Median Total Delinquency Rate (bps) - Level 30
State / Territory SD	Median Total Delinquency Rate (bps) - Level 41
State / Territory TN	Median Total Delinquency Rate (bps) - Level 29
State / Territory TX	Median Total Delinquency Rate (bps) - Level 32
State / Territory UT	Median Total Delinquency Rate (bps) - Level 14
State / Territory VA	Median Total Delinquency Rate (bps) - Level 48
State / Territory VI	Median Total Delinquency Rate (bps) - Level 153
State / Territory VT	Median Total Delinquency Rate (bps) - Level 57
State / Territory WA	Median Total Delinquency Rate (bps) - Level 20
State / Territory WI	Median Total Delinquency Rate (bps) - Level 27
State / Territory WV	Median Total Delinquency Rate (bps) - Level 41
State / Territory WY	Median Total Delinquency Rate (bps) - Level 33

Highlights

• At the end of the second quarter of 2021, the median total delinquency rate among federally insured credit unions was 33 basis points, compared with 52 basis points in the second quarter of 2020.
• At the end of the second quarter of 2021, the median delinquency rate was highest in New Jersey (88 basis points) and North Carolina (63 basis points).
• The median delinquency rate was lowest in Utah (14 basis points), followed by New Hampshire, Oregon, and Rhode Island (all 15 basis points).

Median Loan-to-Share Ratio

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Median Loan-to-Share Ratio - Second Quarter 2021

State / Territory	Median Loan to Share Ratio (%) - Level
State / Territory AK	Median Loan to Share Ratio (%) - Level 70.00%
State / Territory AL	Median Loan to Share Ratio (%) - Level 51.00%
State / Territory AR	Median Loan to Share Ratio (%) - Level 61.00%
State / Territory AZ	Median Loan to Share Ratio (%) - Level 58.00%
State / Territory CA	Median Loan to Share Ratio (%) - Level 56.00%
State / Territory CO	Median Loan to Share Ratio (%) - Level 63.00%
State / Territory CT	Median Loan to Share Ratio (%) - Level 43.00%
State / Territory DC	Median Loan to Share Ratio (%) - Level 46.00%
State / Territory DE	Median Loan to Share Ratio (%) - Level 43.00%
State / Territory FL	Median Loan to Share Ratio (%) - Level 58.00%
State / Territory GA	Median Loan to Share Ratio (%) - Level 62.00%
State / Territory GU	Median Loan to Share Ratio (%) - Level 72.00%
State / Territory HI	Median Loan to Share Ratio (%) - Level 43.00%
State / Territory IA	Median Loan to Share Ratio (%) - Level 66.00%
State / Territory ID	Median Loan to Share Ratio (%) - Level 75.00%
State / Territory IL	Median Loan to Share Ratio (%) - Level 49.00%
State / Territory IN	Median Loan to Share Ratio (%) - Level 57.00%
State / Territory KS	Median Loan to Share Ratio (%) - Level 62.00%
State / Territory KY	Median Loan to Share Ratio (%) - Level 57.00%
State / Territory LA	Median Loan to Share Ratio (%) - Level 54.00%
State / Territory MA	Median Loan to Share Ratio (%) - Level 56.00%
State / Territory MD	Median Loan to Share Ratio (%) - Level 56.00%
State / Territory ME	Median Loan to Share Ratio (%) - Level 68.00%
State / Territory MI	Median Loan to Share Ratio (%) - Level 55.00%
State / Territory MN	Median Loan to Share Ratio (%) - Level 65.00%
State / Territory MO	Median Loan to Share Ratio (%) - Level 63.00%
State / Territory MS	Median Loan to Share Ratio (%) - Level 50.00%
State / Territory MT	Median Loan to Share Ratio (%) - Level 57.00%
State / Territory NC	Median Loan to Share Ratio (%) - Level 62.00%
State / Territory ND	Median Loan to Share Ratio (%) - Level 58.00%
State / Territory NE	Median Loan to Share Ratio (%) - Level 55.00%
State / Territory NH	Median Loan to Share Ratio (%) - Level 61.00%
State / Territory NJ	Median Loan to Share Ratio (%) - Level 38.00%
State / Territory NM	Median Loan to Share Ratio (%) - Level 62.00%
State / Territory NV	Median Loan to Share Ratio (%) - Level 56.00%
State / Territory NY	Median Loan to Share Ratio (%) - Level 51.00%
State / Territory OH	Median Loan to Share Ratio (%) - Level 54.00%
State / Territory OK	Median Loan to Share Ratio (%) - Level 63.00%
State / Territory OR	Median Loan to Share Ratio (%) - Level 62.00%
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 61.00%
State / Territory SD	Median Loan to Share Ratio (%) - Level 65.00%
State / Territory TN	Median Loan to Share Ratio (%) - Level 64.00%
State / Territory TX	Median Loan to Share Ratio (%) - Level 62.00%
State / Territory UT	Median Loan to Share Ratio (%) - Level 71.00%
State / Territory VA	Median Loan to Share Ratio (%) - Level 54.00%
State / Territory VI	Median Loan to Share Ratio (%) - Level 27.00%
State / Territory VT	Median Loan to Share Ratio (%) - Level 73.00%
State / Territory WA	Median Loan to Share Ratio (%) - Level 65.00%
State / Territory WI	Median Loan to Share Ratio (%) - Level 70.00%
State / Territory WV	Median Loan to Share Ratio (%) - Level 53.00%
State / Territory WY	Median Loan to Share Ratio (%) - Level 72.00%

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 second quarter of 2021. At the end of the second quarter of 2020, the median loan-to-share ratio was 63 percent.
• The median loan-to-share ratio was highest in Idaho (75 percent) and Vermont (73 percent).
• The median loan-to-share ratio was lowest in New Jersey (38 percent), followed by Connecticut, Delaware, Hawaii, and Pennsylvania (all 43 percent).

Median Return on Average Assets

NCUA Quarterly Map Review - Credit Union Indicators Summary

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Median Return on Average Assets - Second Quarter 2021

State / Territory	Median Annualized YTD ROAA (bps) - Level
State / Territory AK	Median Annualized YTD ROAA (bps) - Level 92
State / Territory AL	Median Annualized YTD ROAA (bps) - Level 40
State / Territory AR	Median Annualized YTD ROAA (bps) - Level 54
State / Territory AZ	Median Annualized YTD ROAA (bps) - Level 69
State / Territory CA	Median Annualized YTD ROAA (bps) - Level 37
State / Territory CO	Median Annualized YTD ROAA (bps) - Level 43
State / Territory CT	Median Annualized YTD ROAA (bps) - Level 26
State / Territory DC	Median Annualized YTD ROAA (bps) - Level 18
State / Territory DE	Median Annualized YTD ROAA (bps) - Level 27
State / Territory FL	Median Annualized YTD ROAA (bps) - Level 49
State / Territory GA	Median Annualized YTD ROAA (bps) - Level 38
State / Territory GU	Median Annualized YTD ROAA (bps) - Level 68
State / Territory HI	Median Annualized YTD ROAA (bps) - Level 41
State / Territory IA	Median Annualized YTD ROAA (bps) - Level 53
State / Territory ID	Median Annualized YTD ROAA (bps) - Level 103
State / Territory IL	Median Annualized YTD ROAA (bps) - Level 52
State / Territory IN	Median Annualized YTD ROAA (bps) - Level 62
State / Territory KS	Median Annualized YTD ROAA (bps) - Level 46
State / Territory KY	Median Annualized YTD ROAA (bps) - Level 36
State / Territory LA	Median Annualized YTD ROAA (bps) - Level 47
State / Territory MA	Median Annualized YTD ROAA (bps) - Level 28
State / Territory MD	Median Annualized YTD ROAA (bps) - Level 25
State / Territory ME	Median Annualized YTD ROAA (bps) - Level 64
State / Territory MI	Median Annualized YTD ROAA (bps) - Level 56
State / Territory MN	Median Annualized YTD ROAA (bps) - Level 66
State / Territory MO	Median Annualized YTD ROAA (bps) - Level 51
State / Territory MS	Median Annualized YTD ROAA (bps) - Level 50
State / Territory MT	Median Annualized YTD ROAA (bps) - Level 47
State / Territory NC	Median Annualized YTD ROAA (bps) - Level 50
State / Territory ND	Median Annualized YTD ROAA (bps) - Level 60
State / Territory NE	Median Annualized YTD ROAA (bps) - Level 22
State / Territory NH	Median Annualized YTD ROAA (bps) - Level 40
State / Territory NJ	Median Annualized YTD ROAA (bps) - Level 34
State / Territory NM	Median Annualized YTD ROAA (bps) - Level 79
State / Territory NV	Median Annualized YTD ROAA (bps) - Level 64
State / Territory NY	Median Annualized YTD ROAA (bps) - Level 55
State / Territory OH	Median Annualized YTD ROAA (bps) - Level 23
State / Territory OK	Median Annualized YTD ROAA (bps) - Level 86
State / Territory OR	Median Annualized YTD ROAA (bps) - Level 88
State / Territory PA	Median Annualized YTD ROAA (bps) - Level 22
State / Territory PR	Median Annualized YTD ROAA (bps) - Level 38
State / Territory RI	Median Annualized YTD ROAA (bps) - Level 69
State / Territory SC	Median Annualized YTD ROAA (bps) - Level 52
State / Territory SD	Median Annualized YTD ROAA (bps) - Level 99
State / Territory TN	Median Annualized YTD ROAA (bps) - Level 36
State / Territory TX	Median Annualized YTD ROAA (bps) - Level 60
State / Territory UT	Median Annualized YTD ROAA (bps) - Level 70
State / Territory VA	Median Annualized YTD ROAA (bps) - Level 34
State / Territory VI	Median Annualized YTD ROAA (bps) - Level 25
State / Territory VT	Median Annualized YTD ROAA (bps) - Level 84
State / Territory WA	Median Annualized YTD ROAA (bps) - Level 82
State / Territory WI	Median Annualized YTD ROAA (bps) - Level 50
State / Territory WV	Median Annualized YTD ROAA (bps) - Level 26
State / Territory WY	Median Annualized YTD ROAA (bps) - Level 71

Highlights

• Nationally, the annualized median return on average assets at federally insured credit unions was 46 basis points in the first half of 2021, compared with 39 basis points in the first half of 2020.
• Idaho (103 basis points) and South Dakota (99 basis points) had the highest annualized median returns on average assets in the first half 2021.
• Washington, D.C. (18 basis points) had the lowest annualized median return on average assets during that time, followed by Nebraska and Pennsylvania (both 22 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 - Second 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 78.00%
State / Territory AR	Share of FICUs with Positive YTD Net Income (%) - Level 80.00%
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 79.00%
State / Territory CO	Share of FICUs with Positive YTD Net Income (%) - Level 81.00%
State / Territory CT	Share of FICUs with Positive YTD Net Income (%) - Level 69.00%
State / Territory DC	Share of FICUs with Positive YTD Net Income (%) - Level 61.00%
State / Territory DE	Share of FICUs with Positive YTD Net Income (%) - Level 88.00%
State / Territory FL	Share of FICUs with Positive YTD Net Income (%) - Level 84.00%
State / Territory GA	Share of FICUs with Positive YTD Net Income (%) - Level 80.00%
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 88.00%
State / Territory IA	Share of FICUs with Positive YTD Net Income (%) - Level 85.00%
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 84.00%
State / Territory IN	Share of FICUs with Positive YTD Net Income (%) - Level 91.00%
State / Territory KS	Share of FICUs with Positive YTD Net Income (%) - Level 70.00%
State / Territory KY	Share of FICUs with Positive YTD Net Income (%) - Level 83.00%
State / Territory LA	Share of FICUs with Positive YTD Net Income (%) - Level 75.00%
State / Territory MA	Share of FICUs with Positive YTD Net Income (%) - Level 69.00%
State / Territory MD	Share of FICUs with Positive YTD Net Income (%) - Level 72.00%
State / Territory ME	Share of FICUs with Positive YTD Net Income (%) - Level 88.00%
State / Territory MI	Share of FICUs with Positive YTD Net Income (%) - Level 84.00%
State / Territory MN	Share of FICUs with Positive YTD Net Income (%) - Level 94.00%
State / Territory MO	Share of FICUs with Positive YTD Net Income (%) - Level 81.00%
State / Territory MS	Share of FICUs with Positive YTD Net Income (%) - Level 70.00%
State / Territory MT	Share of FICUs with Positive YTD Net Income (%) - Level 76.00%
State / Territory NC	Share of FICUs with Positive YTD Net Income (%) - Level 84.00%
State / Territory ND	Share of FICUs with Positive YTD Net Income (%) - Level 85.00%
State / Territory NE	Share of FICUs with Positive YTD Net Income (%) - Level 67.00%
State / Territory NH	Share of FICUs with Positive YTD Net Income (%) - Level 71.00%
State / Territory NJ	Share of FICUs with Positive YTD Net Income (%) - Level 78.00%
State / Territory NM	Share of FICUs with Positive YTD Net Income (%) - Level 95.00%
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 86.00%
State / Territory OH	Share of FICUs with Positive YTD Net Income (%) - Level 72.00%
State / Territory OK	Share of FICUs with Positive YTD Net Income (%) - Level 88.00%
State / Territory OR	Share of FICUs with Positive YTD Net Income (%) - Level 91.00%
State / Territory PA	Share of FICUs with Positive YTD Net Income (%) - Level 72.00%
State / Territory PR	Share of FICUs with Positive YTD Net Income (%) - Level 83.00%
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 76.00%
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 78.00%
State / Territory TX	Share of FICUs with Positive YTD Net Income (%) - Level 84.00%
State / Territory UT	Share of FICUs with Positive YTD Net Income (%) - Level 88.00%
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 94.00%
State / Territory WA	Share of FICUs with Positive YTD Net Income (%) - Level 98.00%
State / Territory WI	Share of FICUs with Positive YTD Net Income (%) - Level 88.00%
State / Territory WV	Share of FICUs with Positive YTD Net Income (%) - Level 73.00%
State / Territory WY	Share of FICUs with Positive YTD Net Income (%) - Level 87.00%

Highlights

Share growth rates on this page are rounded to the nearest percentage point.

• Nationally, 81 percent of federally insured credit unions had positive net income in the first half of 2021, compared with 80 percent in the first half of 2020.
• At least 60 percent of credit unions in every state and Washington, D.C. had positive net income in the first half of 2021.
• The share of federally insured credit unions with positive net income was highest in Alaska (100 percent) and Washington (98 percent).
• The share was lowest in Washington, D.C. (61 percent) and Nebraska (67 percent).

Tables and Downloads

• 2021 Q2 Summary Tables (Accessible web page)
• U.S. Summary Tables (Accessible web page)
• 2021 Q2 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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