The NCUA Quarterly U.S. Map Review for the second quarter of 2022 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 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 2021 through the second quarter of 2022. 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.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 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 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 | 6.50% |
| AL | 3.00% |
| AR | 2.50% |
| AZ | 8.30% |
| CA | 3.80% |
| CO | 4.70% |
| CT | 2.90% |
| DC | 2.70% |
| DE | 2.70% |
| FL | 6.20% |
| GA | 6.40% |
| GU | 3.40% |
| HI | 2.50% |
| IA | 3.50% |
| ID | 11.00% |
| IL | 4.00% |
| IN | 4.70% |
| KS | 4.60% |
| KY | 3.60% |
| LA | 2.60% |
| MA | 2.90% |
| MD | 2.00% |
| ME | 7.50% |
| MI | 4.20% |
| MN | 6.90% |
| MO | 5.00% |
| MS | 2.30% |
| MT | 7.80% |
| NC | 5.30% |
| ND | 7.20% |
| NE | 4.80% |
| NH | 4.70% |
| NJ | 1.70% |
| NM | 6.40% |
| NV | 6.30% |
| NY | 3.50% |
| OH | 3.90% |
| OK | 3.20% |
| OR | 5.70% |
| PA | 2.50% |
| PR | 1.50% |
| RI | 4.40% |
| SC | 6.30% |
| SD | 8.10% |
| TN | 5.30% |
| TX | 4.10% |
| UT | 6.20% |
| VA | 3.80% |
| VI | 3.90% |
| VT | 5.30% |
| WA | 6.90% |
| WI | 5.10% |
| WV | 3.70% |
| WY | 9.70% |
Highlights
- Nationally, median asset growth over the year ending in the second quarter of 2022 was 4.2 percent. In other words, half of all federally insured credit unions had asset growth at or above 4.2 percent and half had asset growth of 4.2 percent or less. In the year ending in the second quarter of 2021, the median growth rate in assets was 10.8 percent.
- Over the year ending in the second quarter of 2022, median asset growth was highest in Idaho (11.0 percent) and Wyoming (9.7 percent).
- At the median, assets grew the least in New Jersey (1.7 percent) and Maryland (2.0 percent) over the year.
Median Annual Share and Deposit Growth
NCUA Quarterly Map Review - Credit Union Indicators Summary
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Visualization for NCUA Quarterly Map Review - Credit Union Indicators Summary
Source: National Credit Union Administration
| State / Territory | Median Y/Y Deposit Growth (%) - Level |
|---|---|
| AK | 7.50% |
| AL | 4.80% |
| AR | 3.30% |
| AZ | 10.10% |
| CA | 5.10% |
| CO | 5.50% |
| CT | 3.50% |
| DC | 3.00% |
| DE | 3.70% |
| FL | 7.80% |
| GA | 6.80% |
| GU | 1.60% |
| HI | 5.00% |
| IA | 3.50% |
| ID | 9.60% |
| IL | 4.30% |
| IN | 4.60% |
| KS | 5.60% |
| KY | 4.00% |
| LA | 3.00% |
| MA | 3.80% |
| MD | 2.70% |
| ME | 7.90% |
| MI | 5.70% |
| MN | 7.70% |
| MO | 6.00% |
| MS | 2.00% |
| MT | 7.90% |
| NC | 6.40% |
| ND | 7.70% |
| NE | 5.50% |
| NH | 7.00% |
| NJ | 1.50% |
| NM | 7.10% |
| NV | 7.50% |
| NY | 3.80% |
| OH | 4.30% |
| OK | 4.70% |
| OR | 6.00% |
| PA | 3.10% |
| PR | 2.00% |
| RI | 5.00% |
| SC | 6.60% |
| SD | 8.00% |
| TN | 5.00% |
| TX | 4.10% |
| UT | 7.40% |
| VA | 3.70% |
| VI | 6.40% |
| VT | 5.70% |
| WA | 7.60% |
| WI | 5.80% |
| WV | 4.60% |
| WY | 7.60% |
Highlights
- Nationally, median growth in shares and deposits over the year ending in the second quarter of 2022 was 4.8 percent. In the year ending in the second quarter of 2021, the median growth rate in shares and deposits was 12.2 percent.
- Over the year ending in the second quarter of 2022, median growth in shares and deposits was highest in Arizona (10.1 percent) and Idaho (9.6 percent).
- At the median, shares and deposits grew the least in New Jersey (1.5 percent) and Mississippi (2.0 percent) during that time.
Median Annual Membership Growth
NCUA Quarterly Map Review - Credit Union Indicators Summary
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Visualization for NCUA Quarterly Map Review - Credit Union Indicators Summary
Source: National Credit Union Administration
| State / Territory | Median Y/Y Member Growth (%) - Level |
|---|---|
| AK | 4.30% |
| AL | 0.20% |
| AR | -1.30% |
| AZ | 1.90% |
| CA | 0.20% |
| CO | 0.00% |
| CT | -0.90% |
| DC | -1.60% |
| DE | -1.40% |
| FL | 0.40% |
| GA | -0.70% |
| GU | 3.40% |
| HI | -0.40% |
| IA | -0.30% |
| ID | 3.30% |
| IL | -1.00% |
| IN | -0.70% |
| KS | -0.50% |
| KY | 0.10% |
| LA | -0.50% |
| MA | -0.70% |
| MD | -0.70% |
| ME | 1.00% |
| MI | -0.40% |
| MN | 0.50% |
| MO | 0.30% |
| MS | 0.10% |
| MT | 0.70% |
| NC | -0.20% |
| ND | -0.60% |
| NE | -0.60% |
| NH | -0.30% |
| NJ | -2.10% |
| NM | 1.60% |
| NV | 1.60% |
| NY | -0.80% |
| OH | -1.30% |
| OK | -0.10% |
| OR | 0.80% |
| PA | -1.60% |
| PR | -2.50% |
| RI | -1.70% |
| SC | 0.00% |
| SD | 2.80% |
| TN | 0.20% |
| TX | -0.40% |
| UT | 0.50% |
| VA | -1.00% |
| VI | 1.90% |
| VT | 0.10% |
| WA | 0.50% |
| WI | 0.10% |
| WV | -0.80% |
| WY | 3.70% |
Highlights
- While overall membership in federally insured credit unions continued to grow during the year ending in the second quarter of 2022, at the median, membership declined 0.4 percent. Membership also declined 0.4 percent at the median in the year ending in the second quarter of 2021. Overall, about 55 percent of federally insured credit unions had fewer members at the end of the second quarter of 2022 than a year earlier. Credit unions with falling membership tend to be small; about 60 percent had less than $50 million in assets in the second quarter of 2022.
- Over the year ending in the second quarter of 2022, credit unions headquartered in Alaska (4.3 percent) and Wyoming (3.7 percent) experienced the strongest median membership growth.
- At the median, membership declined in 26 states and Washington, D.C. over the year. New Jersey (-2.1 percent) and Rhode Island (-1.7 percent) saw the largest median declines in membership during that time. Membership was virtually unchanged in Colorado and South Carolina at the median.
Median Annual Loan 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 Loan Growth (%) - Level |
|---|---|
| AK | 11.80% |
| AL | 4.60% |
| AR | 5.90% |
| AZ | 14.30% |
| CA | 9.40% |
| CO | 9.70% |
| CT | 6.40% |
| DC | 9.50% |
| DE | 0.50% |
| FL | 12.70% |
| GA | 9.30% |
| GU | 9.50% |
| HI | 6.40% |
| IA | 7.30% |
| ID | 21.50% |
| IL | 4.00% |
| IN | 8.20% |
| KS | 6.50% |
| KY | 8.00% |
| LA | 5.50% |
| MA | 5.20% |
| MD | 4.90% |
| ME | 9.70% |
| MI | 10.00% |
| MN | 9.00% |
| MO | 10.40% |
| MS | 6.00% |
| MT | 5.60% |
| NC | 11.10% |
| ND | 5.80% |
| NE | 8.10% |
| NH | 7.20% |
| NJ | 2.70% |
| NM | 7.20% |
| NV | 3.20% |
| NY | 4.70% |
| OH | 5.60% |
| OK | 7.60% |
| OR | 12.40% |
| PA | 3.70% |
| PR | 5.90% |
| RI | 7.60% |
| SC | 7.40% |
| SD | 8.20% |
| TN | 7.90% |
| TX | 5.70% |
| UT | 11.80% |
| VA | 6.10% |
| VI | -0.70% |
| VT | 8.50% |
| WA | 11.50% |
| WI | 8.80% |
| WV | 4.20% |
| WY | 16.40% |
Highlights
- Nationally, loans outstanding rose 7.2 percent at the median over the year ending in the second quarter of 2022. During the previous year, loans grew 1.8 percent at the median.
- Over the year ending in the second quarter of 2022, median loan growth was strongest in Idaho (21.5 percent) and Wyoming (16.4 percent).
- At the median, loans outstanding grew the least in Delaware (0.5 percent) and New Jersey (2.7 percent) during that time.
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 | 60 |
| AL | 42 |
| AR | 46 |
| AZ | 24 |
| CA | 23 |
| CO | 25 |
| CT | 41 |
| DC | 32 |
| DE | 49 |
| FL | 27 |
| GA | 43 |
| GU | 42 |
| HI | 45 |
| IA | 43 |
| ID | 27 |
| IL | 34 |
| IN | 41 |
| KS | 44 |
| KY | 39 |
| LA | 71 |
| MA | 31 |
| MD | 51 |
| ME | 29 |
| MI | 38 |
| MN | 25 |
| MO | 29 |
| MS | 76 |
| MT | 24 |
| NC | 66 |
| ND | 19 |
| NE | 37 |
| NH | 15 |
| NJ | 87 |
| NM | 42 |
| NV | 37 |
| NY | 51 |
| OH | 31 |
| OK | 48 |
| OR | 24 |
| PA | 48 |
| PR | 31 |
| RI | 21 |
| SC | 41 |
| SD | 33 |
| TN | 37 |
| TX | 36 |
| UT | 12 |
| VA | 64 |
| VI | 114 |
| VT | 71 |
| WA | 21 |
| WI | 30 |
| WV | 60 |
| WY | 32 |
Highlights
- At the end of the second quarter of 2022, the median total delinquency rate among federally insured credit unions was 38 basis points, compared with 33 basis points in the second quarter of 2021.
- At the end of the second quarter of 2022, the median delinquency rate was highest in New Jersey (87 basis points) and Mississippi (76 basis points).
- The median delinquency rate was lowest in Utah (12 basis points) and New Hampshire (15 basis points) at that time.
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 | 66.00% |
| AL | 53.00% |
| AR | 65.00% |
| AZ | 61.00% |
| CA | 61.00% |
| CO | 65.00% |
| CT | 46.00% |
| DC | 51.00% |
| DE | 38.00% |
| FL | 61.00% |
| GA | 61.00% |
| GU | 78.00% |
| HI | 42.00% |
| IA | 69.00% |
| ID | 84.00% |
| IL | 52.00% |
| IN | 58.00% |
| KS | 61.00% |
| KY | 61.00% |
| LA | 58.00% |
| MA | 59.00% |
| MD | 59.00% |
| ME | 69.00% |
| MI | 61.00% |
| MN | 65.00% |
| MO | 68.00% |
| MS | 52.00% |
| MT | 57.00% |
| NC | 64.00% |
| ND | 56.00% |
| NE | 56.00% |
| NH | 59.00% |
| NJ | 39.00% |
| NM | 65.00% |
| NV | 54.00% |
| NY | 52.00% |
| OH | 53.00% |
| OK | 68.00% |
| OR | 65.00% |
| PA | 43.00% |
| PR | 49.00% |
| RI | 60.00% |
| SC | 63.00% |
| SD | 60.00% |
| TN | 65.00% |
| TX | 63.00% |
| UT | 80.00% |
| VA | 56.00% |
| VI | 26.00% |
| VT | 76.00% |
| WA | 69.00% |
| WI | 74.00% |
| WV | 51.00% |
| WY | 78.00% |
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 58 percent at the end of the second quarter of 2022. At the end of the second quarter of 2021, the median loan-to-share ratio was 57 percent.
- The median loan-to-share ratio was highest in Idaho (84 percent) and Utah (80 percent) at the end of the second quarter of 2022.
- The median loan-to-share ratio was lowest in Delaware (38 percent) and New Jersey (39 percent) at that time.
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 | 51 |
| AL | 45 |
| AR | 43 |
| AZ | 71 |
| CA | 38 |
| CO | 32 |
| CT | 54 |
| DC | 29 |
| DE | 49 |
| FL | 54 |
| GA | 61 |
| GU | 63 |
| HI | 34 |
| IA | 39 |
| ID | 84 |
| IL | 33 |
| IN | 55 |
| KS | 44 |
| KY | 37 |
| LA | 42 |
| MA | 19 |
| MD | 22 |
| ME | 56 |
| MI | 51 |
| MN | 58 |
| MO | 43 |
| MS | 48 |
| MT | 33 |
| NC | 66 |
| ND | 30 |
| NE | 18 |
| NH | 29 |
| NJ | 26 |
| NM | 68 |
| NV | 39 |
| NY | 40 |
| OH | 27 |
| OK | 69 |
| OR | 61 |
| PA | 24 |
| PR | 39 |
| RI | 39 |
| SC | 67 |
| SD | 58 |
| TN | 44 |
| TX | 57 |
| UT | 60 |
| VA | 49 |
| VI | 40 |
| VT | 44 |
| WA | 57 |
| WI | 35 |
| WV | 34 |
| WY | 64 |
Highlights
- Nationally, the median annualized return on average assets at federally insured credit unions was 42 basis points in the first half of 2022, compared with 46 basis points in the first half of 2021.
- Idaho (84 basis points) and Arizona (71 basis points) had the highest median annualized returns on average assets in the first half of 2022.
- Nebraska (18 basis points) and Massachusetts (19 basis points) had the lowest median annualized returns on average assets during that time.
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 | 100.00% |
| AL | 79.00% |
| AR | 72.00% |
| AZ | 92.00% |
| CA | 79.00% |
| CO | 75.00% |
| CT | 81.00% |
| DC | 69.00% |
| DE | 88.00% |
| FL | 87.00% |
| GA | 88.00% |
| GU | 100.00% |
| HI | 77.00% |
| IA | 81.00% |
| ID | 87.00% |
| IL | 79.00% |
| IN | 85.00% |
| KS | 77.00% |
| KY | 79.00% |
| LA | 72.00% |
| MA | 69.00% |
| MD | 70.00% |
| ME | 86.00% |
| MI | 88.00% |
| MN | 96.00% |
| MO | 75.00% |
| MS | 77.00% |
| MT | 71.00% |
| NC | 83.00% |
| ND | 78.00% |
| NE | 61.00% |
| NH | 86.00% |
| NJ | 67.00% |
| NM | 85.00% |
| NV | 90.00% |
| NY | 75.00% |
| OH | 75.00% |
| OK | 84.00% |
| OR | 91.00% |
| PA | 72.00% |
| PR | 80.00% |
| RI | 67.00% |
| SC | 82.00% |
| SD | 94.00% |
| TN | 80.00% |
| TX | 82.00% |
| UT | 91.00% |
| VA | 76.00% |
| VI | 80.00% |
| VT | 100.00% |
| WA | 90.00% |
| WI | 82.00% |
| WV | 78.00% |
| WY | 86.00% |
Highlights
Shares of federally insured credit unions with positive net income are rounded to the nearest percentage point.
- Nationally, 79 percent of federally insured credit unions had positive net income in the first half of 2022, compared with 81 percent in the first half of 2021.
- At least 60 percent of federally insured credit unions in every state and Washington, D.C. had positive net income in the first half of 2022.
- The share of federally insured credit unions with positive net income was highest in Alaska and Vermont (both 100 percent), followed by Minnesota (96 percent).
- The share was lowest in Nebraska (61 percent) in the first half of 2022, followed by New Jersey and Rhode Island (both 67 percent).
Tables and Downloads
- 2022 Q2 Summary Tables (Accessible web page)
- U.S. Summary Tables (Accessible web page)
- 2022 Q2 Summary Tables (ZIP workbook)
- 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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Footnotes
1 Data for the latest quarter are as of the public release date. The definition of the “state” variable was modified with the 2022Q1 release.
2 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.
3 Technically, by construction of the median, there can be several credit unions “tied” at the median value.