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

The NCUA Quarterly U.S. Map Review for the second 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 second quarter of 2023 through the second 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 - Second Quarter 2024

State / Territory	Median Y/Y Asset Growth (%) - Level
State / Territory AK	Median Y/Y Asset Growth (%) - Level -0.50%
State / Territory AL	Median Y/Y Asset Growth (%) - Level 0.90%
State / Territory AR	Median Y/Y Asset Growth (%) - Level -0.80%
State / Territory AZ	Median Y/Y Asset Growth (%) - Level -1.90%
State / Territory CA	Median Y/Y Asset Growth (%) - Level -0.80%
State / Territory CO	Median Y/Y Asset Growth (%) - Level 0.30%
State / Territory CT	Median Y/Y Asset Growth (%) - Level -2.00%
State / Territory DC	Median Y/Y Asset Growth (%) - Level -2.40%
State / Territory DE	Median Y/Y Asset Growth (%) - Level -0.60%
State / Territory FL	Median Y/Y Asset Growth (%) - Level 1.60%
State / Territory GA	Median Y/Y Asset Growth (%) - Level -0.90%
State / Territory GU	Median Y/Y Asset Growth (%) - Level 10.90%
State / Territory HI	Median Y/Y Asset Growth (%) - Level 0.40%
State / Territory IA	Median Y/Y Asset Growth (%) - Level 1.60%
State / Territory ID	Median Y/Y Asset Growth (%) - Level 3.00%
State / Territory IL	Median Y/Y Asset Growth (%) - Level -1.50%
State / Territory IN	Median Y/Y Asset Growth (%) - Level 0.50%
State / Territory KS	Median Y/Y Asset Growth (%) - Level 0.10%
State / Territory KY	Median Y/Y Asset Growth (%) - Level -0.10%
State / Territory LA	Median Y/Y Asset Growth (%) - Level -1.50%
State / Territory MA	Median Y/Y Asset Growth (%) - Level -0.70%
State / Territory MD	Median Y/Y Asset Growth (%) - Level -0.90%
State / Territory ME	Median Y/Y Asset Growth (%) - Level 3.40%
State / Territory MI	Median Y/Y Asset Growth (%) - Level 1.40%
State / Territory MN	Median Y/Y Asset Growth (%) - Level 0.40%
State / Territory MO	Median Y/Y Asset Growth (%) - Level -1.60%
State / Territory MS	Median Y/Y Asset Growth (%) - Level -0.80%
State / Territory MT	Median Y/Y Asset Growth (%) - Level 1.00%
State / Territory NC	Median Y/Y Asset Growth (%) - Level 1.80%
State / Territory ND	Median Y/Y Asset Growth (%) - Level 1.00%
State / Territory NE	Median Y/Y Asset Growth (%) - Level -0.80%
State / Territory NH	Median Y/Y Asset Growth (%) - Level 3.00%
State / Territory NJ	Median Y/Y Asset Growth (%) - Level -4.00%
State / Territory NM	Median Y/Y Asset Growth (%) - Level 2.50%
State / Territory NV	Median Y/Y Asset Growth (%) - Level 2.50%
State / Territory NY	Median Y/Y Asset Growth (%) - Level -0.40%
State / Territory OH	Median Y/Y Asset Growth (%) - Level -0.50%
State / Territory OK	Median Y/Y Asset Growth (%) - Level -0.60%
State / Territory OR	Median Y/Y Asset Growth (%) - Level -0.80%
State / Territory PA	Median Y/Y Asset Growth (%) - Level -1.40%
State / Territory PR	Median Y/Y Asset Growth (%) - Level -7.90%
State / Territory RI	Median Y/Y Asset Growth (%) - Level 1.20%
State / Territory SC	Median Y/Y Asset Growth (%) - Level 0.50%
State / Territory SD	Median Y/Y Asset Growth (%) - Level 4.40%
State / Territory TN	Median Y/Y Asset Growth (%) - Level 1.10%
State / Territory TX	Median Y/Y Asset Growth (%) - Level -0.40%
State / Territory UT	Median Y/Y Asset Growth (%) - Level 2.70%
State / Territory VA	Median Y/Y Asset Growth (%) - Level -0.50%
State / Territory VI	Median Y/Y Asset Growth (%) - Level -1.20%
State / Territory VT	Median Y/Y Asset Growth (%) - Level 1.90%
State / Territory WA	Median Y/Y Asset Growth (%) - Level -0.10%
State / Territory WI	Median Y/Y Asset Growth (%) - Level 0.90%
State / Territory WV	Median Y/Y Asset Growth (%) - Level -2.10%
State / Territory WY	Median Y/Y Asset Growth (%) - Level 3.30%

Highlights

• While aggregate assets in federally insured credit unions continued to grow during the year ending in the second quarter of 2024, at the median, assets declined by 0.2 percent. In other words, half of all federally insured credit unions had asset growth at or above negative 0.2 percent and half had asset growth of negative 0.2 percent or less. In the year ending in the second quarter of 2023, the median growth rate in assets was negative 1.0 percent.
• Over the year ending in the second quarter of 2024, median asset growth was fastest in South Dakota (4.4 percent) and Maine (3.4 percent).
• At the median, assets declined in twenty-five states and Washington, D.C. over the year ending in the second quarter of 2024. New Jersey (-4.0 percent) and Washington, D.C. (-2.4 percent) experienced the largest declines in median assets over the year.

Median Annual Share and Deposit Growth

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Median Annual Share and Deposit Growth - Second Quarter 2024

State / Territory	Median Y/Y Deposit Growth (%) - Level
State / Territory AK	Median Y/Y Deposit Growth (%) - Level -3.70%
State / Territory AL	Median Y/Y Deposit Growth (%) - Level -0.10%
State / Territory AR	Median Y/Y Deposit Growth (%) - Level -2.30%
State / Territory AZ	Median Y/Y Deposit Growth (%) - Level -2.00%
State / Territory CA	Median Y/Y Deposit Growth (%) - Level -1.90%
State / Territory CO	Median Y/Y Deposit Growth (%) - Level 0.20%
State / Territory CT	Median Y/Y Deposit Growth (%) - Level -2.50%
State / Territory DC	Median Y/Y Deposit Growth (%) - Level -3.00%
State / Territory DE	Median Y/Y Deposit Growth (%) - Level -2.40%
State / Territory FL	Median Y/Y Deposit Growth (%) - Level 0.60%
State / Territory GA	Median Y/Y Deposit Growth (%) - Level -1.30%
State / Territory GU	Median Y/Y Deposit Growth (%) - Level 3.10%
State / Territory HI	Median Y/Y Deposit Growth (%) - Level -0.70%
State / Territory IA	Median Y/Y Deposit Growth (%) - Level 0.50%
State / Territory ID	Median Y/Y Deposit Growth (%) - Level 2.10%
State / Territory IL	Median Y/Y Deposit Growth (%) - Level -2.40%
State / Territory IN	Median Y/Y Deposit Growth (%) - Level -0.60%
State / Territory KS	Median Y/Y Deposit Growth (%) - Level -0.40%
State / Territory KY	Median Y/Y Deposit Growth (%) - Level -1.20%
State / Territory LA	Median Y/Y Deposit Growth (%) - Level -2.40%
State / Territory MA	Median Y/Y Deposit Growth (%) - Level -1.70%
State / Territory MD	Median Y/Y Deposit Growth (%) - Level -1.90%
State / Territory ME	Median Y/Y Deposit Growth (%) - Level 2.20%
State / Territory MI	Median Y/Y Deposit Growth (%) - Level 0.00%
State / Territory MN	Median Y/Y Deposit Growth (%) - Level -0.10%
State / Territory MO	Median Y/Y Deposit Growth (%) - Level -1.70%
State / Territory MS	Median Y/Y Deposit Growth (%) - Level -2.70%
State / Territory MT	Median Y/Y Deposit Growth (%) - Level -0.30%
State / Territory NC	Median Y/Y Deposit Growth (%) - Level 0.20%
State / Territory ND	Median Y/Y Deposit Growth (%) - Level 1.20%
State / Territory NE	Median Y/Y Deposit Growth (%) - Level -1.40%
State / Territory NH	Median Y/Y Deposit Growth (%) - Level 0.70%
State / Territory NJ	Median Y/Y Deposit Growth (%) - Level -5.60%
State / Territory NM	Median Y/Y Deposit Growth (%) - Level 1.50%
State / Territory NV	Median Y/Y Deposit Growth (%) - Level 1.10%
State / Territory NY	Median Y/Y Deposit Growth (%) - Level -1.40%
State / Territory OH	Median Y/Y Deposit Growth (%) - Level -0.90%
State / Territory OK	Median Y/Y Deposit Growth (%) - Level -1.80%
State / Territory OR	Median Y/Y Deposit Growth (%) - Level -1.30%
State / Territory PA	Median Y/Y Deposit Growth (%) - Level -2.60%
State / Territory PR	Median Y/Y Deposit Growth (%) - Level -8.60%
State / Territory RI	Median Y/Y Deposit Growth (%) - Level -0.10%
State / Territory SC	Median Y/Y Deposit Growth (%) - Level -0.50%
State / Territory SD	Median Y/Y Deposit Growth (%) - Level 3.40%
State / Territory TN	Median Y/Y Deposit Growth (%) - Level -0.40%
State / Territory TX	Median Y/Y Deposit Growth (%) - Level -1.50%
State / Territory UT	Median Y/Y Deposit Growth (%) - Level 2.50%
State / Territory VA	Median Y/Y Deposit Growth (%) - Level -1.90%
State / Territory VI	Median Y/Y Deposit Growth (%) - Level -2.30%
State / Territory VT	Median Y/Y Deposit Growth (%) - Level 0.60%
State / Territory WA	Median Y/Y Deposit Growth (%) - Level -0.40%
State / Territory WI	Median Y/Y Deposit Growth (%) - Level -0.80%
State / Territory WV	Median Y/Y Deposit Growth (%) - Level -2.20%
State / Territory WY	Median Y/Y Deposit Growth (%) - Level 3.00%

Highlights

• Nationally, shares and deposits continued to increase in the aggregate during the year ending in the second quarter of 2024, while the median growth in shares and deposits was negative 1.2 percent. In the year ending in the second quarter of 2023, the median growth rate in shares and deposits was negative 2.4 percent.
• Over the year ending in the second quarter of 2024, median growth in shares and deposits was positive in fourteen states, led by South Dakota (3.4 percent) and Wyoming (3.0 percent).
• At the median, shares and deposits declined the most in New Jersey (-5.6 percent) and Alaska (-3.7 percent).

Median Annual Membership Growth

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Median Annual Membership Growth - Second Quarter 2024

State / Territory	Median Y/Y Member Growth (%) - Level
State / Territory AK	Median Y/Y Member Growth (%) - Level 3.00%
State / Territory AL	Median Y/Y Member Growth (%) - Level 0.20%
State / Territory AR	Median Y/Y Member Growth (%) - Level -1.40%
State / Territory AZ	Median Y/Y Member Growth (%) - Level 1.40%
State / Territory CA	Median Y/Y Member Growth (%) - Level -0.20%
State / Territory CO	Median Y/Y Member Growth (%) - Level -0.80%
State / Territory CT	Median Y/Y Member Growth (%) - Level -1.00%
State / Territory DC	Median Y/Y Member Growth (%) - Level 0.00%
State / Territory DE	Median Y/Y Member Growth (%) - Level -0.20%
State / Territory FL	Median Y/Y Member Growth (%) - Level 0.70%
State / Territory GA	Median Y/Y Member Growth (%) - Level -0.30%
State / Territory GU	Median Y/Y Member Growth (%) - Level 5.60%
State / Territory HI	Median Y/Y Member Growth (%) - Level 0.90%
State / Territory IA	Median Y/Y Member Growth (%) - Level 0.20%
State / Territory ID	Median Y/Y Member Growth (%) - Level 1.30%
State / Territory IL	Median Y/Y Member Growth (%) - Level -0.70%
State / Territory IN	Median Y/Y Member Growth (%) - Level -0.40%
State / Territory KS	Median Y/Y Member Growth (%) - Level -0.40%
State / Territory KY	Median Y/Y Member Growth (%) - Level -0.90%
State / Territory LA	Median Y/Y Member Growth (%) - Level 0.00%
State / Territory MA	Median Y/Y Member Growth (%) - Level -0.40%
State / Territory MD	Median Y/Y Member Growth (%) - Level -1.00%
State / Territory ME	Median Y/Y Member Growth (%) - Level 0.60%
State / Territory MI	Median Y/Y Member Growth (%) - Level -0.20%
State / Territory MN	Median Y/Y Member Growth (%) - Level 0.40%
State / Territory MO	Median Y/Y Member Growth (%) - Level -0.10%
State / Territory MS	Median Y/Y Member Growth (%) - Level 0.20%
State / Territory MT	Median Y/Y Member Growth (%) - Level 1.10%
State / Territory NC	Median Y/Y Member Growth (%) - Level -0.10%
State / Territory ND	Median Y/Y Member Growth (%) - Level -0.40%
State / Territory NE	Median Y/Y Member Growth (%) - Level 0.20%
State / Territory NH	Median Y/Y Member Growth (%) - Level -0.70%
State / Territory NJ	Median Y/Y Member Growth (%) - Level -2.00%
State / Territory NM	Median Y/Y Member Growth (%) - Level 2.20%
State / Territory NV	Median Y/Y Member Growth (%) - Level -0.30%
State / Territory NY	Median Y/Y Member Growth (%) - Level -0.20%
State / Territory OH	Median Y/Y Member Growth (%) - Level -1.10%
State / Territory OK	Median Y/Y Member Growth (%) - Level -0.10%
State / Territory OR	Median Y/Y Member Growth (%) - Level -0.40%
State / Territory PA	Median Y/Y Member Growth (%) - Level -1.10%
State / Territory PR	Median Y/Y Member Growth (%) - Level 2.50%
State / Territory RI	Median Y/Y Member Growth (%) - Level 0.00%
State / Territory SC	Median Y/Y Member Growth (%) - Level 0.20%
State / Territory SD	Median Y/Y Member Growth (%) - Level 0.70%
State / Territory TN	Median Y/Y Member Growth (%) - Level -0.70%
State / Territory TX	Median Y/Y Member Growth (%) - Level -0.30%
State / Territory UT	Median Y/Y Member Growth (%) - Level 0.10%
State / Territory VA	Median Y/Y Member Growth (%) - Level -0.20%
State / Territory VI	Median Y/Y Member Growth (%) - Level -0.70%
State / Territory VT	Median Y/Y Member Growth (%) - Level 0.40%
State / Territory WA	Median Y/Y Member Growth (%) - Level 0.10%
State / Territory WI	Median Y/Y Member Growth (%) - Level -0.20%
State / Territory WV	Median Y/Y Member Growth (%) - Level -0.70%
State / Territory WY	Median Y/Y Member Growth (%) - Level 0.40%

Highlights

• Nationally, membership declined by 0.3 percent at the median over the year ending in the second quarter of 2024. Membership increased by 0.2 percent at the median over the year ending in the second quarter of 2023. Overall, about 53 percent of federally insured credit unions had fewer members at the end of the second 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 second quarter of 2024.
• Over the year ending in the second quarter of 2024, credit unions headquartered in Alaska (3.0 percent) and New Mexico (2.2 percent) experienced the strongest median membership growth.
• At the median, membership declined in twenty-nine states over the year. New Jersey (-2.0 percent) and Arkansas (-1.4 percent) saw the largest median declines in membership during that time. 

Median Annual Loan Growth

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Median Annual Loan Growth - Second Quarter 2024

State / Territory	Median Y/Y Loan Growth (%) - Level
State / Territory AK	Median Y/Y Loan Growth (%) - Level 2.50%
State / Territory AL	Median Y/Y Loan Growth (%) - Level 4.00%
State / Territory AR	Median Y/Y Loan Growth (%) - Level 3.00%
State / Territory AZ	Median Y/Y Loan Growth (%) - Level 1.60%
State / Territory CA	Median Y/Y Loan Growth (%) - Level 1.60%
State / Territory CO	Median Y/Y Loan Growth (%) - Level 1.00%
State / Territory CT	Median Y/Y Loan Growth (%) - Level 2.50%
State / Territory DC	Median Y/Y Loan Growth (%) - Level -0.60%
State / Territory DE	Median Y/Y Loan Growth (%) - Level 2.90%
State / Territory FL	Median Y/Y Loan Growth (%) - Level 3.70%
State / Territory GA	Median Y/Y Loan Growth (%) - Level 2.60%
State / Territory GU	Median Y/Y Loan Growth (%) - Level 15.20%
State / Territory HI	Median Y/Y Loan Growth (%) - Level 8.00%
State / Territory IA	Median Y/Y Loan Growth (%) - Level -0.70%
State / Territory ID	Median Y/Y Loan Growth (%) - Level 1.70%
State / Territory IL	Median Y/Y Loan Growth (%) - Level 2.20%
State / Territory IN	Median Y/Y Loan Growth (%) - Level 3.40%
State / Territory KS	Median Y/Y Loan Growth (%) - Level 2.50%
State / Territory KY	Median Y/Y Loan Growth (%) - Level 1.90%
State / Territory LA	Median Y/Y Loan Growth (%) - Level 4.10%
State / Territory MA	Median Y/Y Loan Growth (%) - Level 4.20%
State / Territory MD	Median Y/Y Loan Growth (%) - Level 0.70%
State / Territory ME	Median Y/Y Loan Growth (%) - Level 6.00%
State / Territory MI	Median Y/Y Loan Growth (%) - Level 2.70%
State / Territory MN	Median Y/Y Loan Growth (%) - Level 2.10%
State / Territory MO	Median Y/Y Loan Growth (%) - Level 0.60%
State / Territory MS	Median Y/Y Loan Growth (%) - Level 5.60%
State / Territory MT	Median Y/Y Loan Growth (%) - Level 7.20%
State / Territory NC	Median Y/Y Loan Growth (%) - Level 4.40%
State / Territory ND	Median Y/Y Loan Growth (%) - Level 3.40%
State / Territory NE	Median Y/Y Loan Growth (%) - Level 3.20%
State / Territory NH	Median Y/Y Loan Growth (%) - Level 5.60%
State / Territory NJ	Median Y/Y Loan Growth (%) - Level 3.00%
State / Territory NM	Median Y/Y Loan Growth (%) - Level 3.60%
State / Territory NV	Median Y/Y Loan Growth (%) - Level 5.10%
State / Territory NY	Median Y/Y Loan Growth (%) - Level 3.10%
State / Territory OH	Median Y/Y Loan Growth (%) - Level 2.80%
State / Territory OK	Median Y/Y Loan Growth (%) - Level -1.50%
State / Territory OR	Median Y/Y Loan Growth (%) - Level 0.10%
State / Territory PA	Median Y/Y Loan Growth (%) - Level 2.30%
State / Territory PR	Median Y/Y Loan Growth (%) - Level -2.90%
State / Territory RI	Median Y/Y Loan Growth (%) - Level 3.80%
State / Territory SC	Median Y/Y Loan Growth (%) - Level 2.50%
State / Territory SD	Median Y/Y Loan Growth (%) - Level 3.80%
State / Territory TN	Median Y/Y Loan Growth (%) - Level 1.10%
State / Territory TX	Median Y/Y Loan Growth (%) - Level 1.50%
State / Territory UT	Median Y/Y Loan Growth (%) - Level 2.10%
State / Territory VA	Median Y/Y Loan Growth (%) - Level 3.70%
State / Territory VI	Median Y/Y Loan Growth (%) - Level 7.70%
State / Territory VT	Median Y/Y Loan Growth (%) - Level 5.10%
State / Territory WA	Median Y/Y Loan Growth (%) - Level 1.20%
State / Territory WI	Median Y/Y Loan Growth (%) - Level 3.00%
State / Territory WV	Median Y/Y Loan Growth (%) - Level 0.60%
State / Territory WY	Median Y/Y Loan Growth (%) - Level 0.40%

Highlights

• Nationally, loans outstanding rose by 2.4 percent at the median over the year ending in the second quarter of 2024. During the previous year, loans increased by 11.0 percent at the median.
• Over the year ending in the second quarter of 2024, median loan growth was strongest in Hawaii (8.0 percent) and Montana (7.2 percent).
• At the median, loans outstanding declined in Oklahoma (-1.5 percent), Iowa (-0.7 percent), and Washington, D.C. (-0.6 percent) over the year. Loans grew the least in Oregon (0.1 percent) and Wyoming (0.4 percent) at the median.

Median Total Delinquency Rate

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Median Total Delinquency Rate - Second Quarter 2024

State / Territory	Median Total Delinquency Rate (bps) - Level
State / Territory AK	Median Total Delinquency Rate (bps) - Level 74
State / Territory AL	Median Total Delinquency Rate (bps) - Level 66
State / Territory AR	Median Total Delinquency Rate (bps) - Level 59
State / Territory AZ	Median Total Delinquency Rate (bps) - Level 70
State / Territory CA	Median Total Delinquency Rate (bps) - Level 42
State / Territory CO	Median Total Delinquency Rate (bps) - Level 61
State / Territory CT	Median Total Delinquency Rate (bps) - Level 58
State / Territory DC	Median Total Delinquency Rate (bps) - Level 51
State / Territory DE	Median Total Delinquency Rate (bps) - Level 106
State / Territory FL	Median Total Delinquency Rate (bps) - Level 48
State / Territory GA	Median Total Delinquency Rate (bps) - Level 73
State / Territory GU	Median Total Delinquency Rate (bps) - Level 82
State / Territory HI	Median Total Delinquency Rate (bps) - Level 59
State / Territory IA	Median Total Delinquency Rate (bps) - Level 75
State / Territory ID	Median Total Delinquency Rate (bps) - Level 62
State / Territory IL	Median Total Delinquency Rate (bps) - Level 60
State / Territory IN	Median Total Delinquency Rate (bps) - Level 71
State / Territory KS	Median Total Delinquency Rate (bps) - Level 57
State / Territory KY	Median Total Delinquency Rate (bps) - Level 51
State / Territory LA	Median Total Delinquency Rate (bps) - Level 85
State / Territory MA	Median Total Delinquency Rate (bps) - Level 49
State / Territory MD	Median Total Delinquency Rate (bps) - Level 80
State / Territory ME	Median Total Delinquency Rate (bps) - Level 46
State / Territory MI	Median Total Delinquency Rate (bps) - Level 61
State / Territory MN	Median Total Delinquency Rate (bps) - Level 47
State / Territory MO	Median Total Delinquency Rate (bps) - Level 51
State / Territory MS	Median Total Delinquency Rate (bps) - Level 100
State / Territory MT	Median Total Delinquency Rate (bps) - Level 33
State / Territory NC	Median Total Delinquency Rate (bps) - Level 81
State / Territory ND	Median Total Delinquency Rate (bps) - Level 33
State / Territory NE	Median Total Delinquency Rate (bps) - Level 70
State / Territory NH	Median Total Delinquency Rate (bps) - Level 32
State / Territory NJ	Median Total Delinquency Rate (bps) - Level 108
State / Territory NM	Median Total Delinquency Rate (bps) - Level 64
State / Territory NV	Median Total Delinquency Rate (bps) - Level 46
State / Territory NY	Median Total Delinquency Rate (bps) - Level 64
State / Territory OH	Median Total Delinquency Rate (bps) - Level 49
State / Territory OK	Median Total Delinquency Rate (bps) - Level 66
State / Territory OR	Median Total Delinquency Rate (bps) - Level 55
State / Territory PA	Median Total Delinquency Rate (bps) - Level 60
State / Territory PR	Median Total Delinquency Rate (bps) - Level 44
State / Territory RI	Median Total Delinquency Rate (bps) - Level 25
State / Territory SC	Median Total Delinquency Rate (bps) - Level 67
State / Territory SD	Median Total Delinquency Rate (bps) - Level 50
State / Territory TN	Median Total Delinquency Rate (bps) - Level 59
State / Territory TX	Median Total Delinquency Rate (bps) - Level 60
State / Territory UT	Median Total Delinquency Rate (bps) - Level 34
State / Territory VA	Median Total Delinquency Rate (bps) - Level 72
State / Territory VI	Median Total Delinquency Rate (bps) - Level 63
State / Territory VT	Median Total Delinquency Rate (bps) - Level 67
State / Territory WA	Median Total Delinquency Rate (bps) - Level 55
State / Territory WI	Median Total Delinquency Rate (bps) - Level 42
State / Territory WV	Median Total Delinquency Rate (bps) - Level 79
State / Territory WY	Median Total Delinquency Rate (bps) - Level 59

Highlights

• At the end of the second quarter of 2024, the median total delinquency rate among federally insured credit unions was 60 basis points, compared with 45 basis points at the end of the second quarter of 2023.
• At the end of the second quarter of 2024, the median delinquency rate was highest in New Jersey (108 basis points) and Delaware (106 basis points).
• The median delinquency rate was lowest in Rhode Island (25 basis points) and New Hampshire (32 basis points) at that time.

Median Loan-to-Share Ratio

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Median Loan-to-Share Ratio - Second Quarter 2024

State / Territory	Median Loan to Share Ratio (%) - Level
State / Territory AK	Median Loan to Share Ratio (%) - Level 89.00%
State / Territory AL	Median Loan to Share Ratio (%) - Level 62.00%
State / Territory AR	Median Loan to Share Ratio (%) - Level 76.00%
State / Territory AZ	Median Loan to Share Ratio (%) - Level 74.00%
State / Territory CA	Median Loan to Share Ratio (%) - Level 73.00%
State / Territory CO	Median Loan to Share Ratio (%) - Level 77.00%
State / Territory CT	Median Loan to Share Ratio (%) - Level 50.00%
State / Territory DC	Median Loan to Share Ratio (%) - Level 64.00%
State / Territory DE	Median Loan to Share Ratio (%) - Level 46.00%
State / Territory FL	Median Loan to Share Ratio (%) - Level 76.00%
State / Territory GA	Median Loan to Share Ratio (%) - Level 75.00%
State / Territory GU	Median Loan to Share Ratio (%) - Level 99.00%
State / Territory HI	Median Loan to Share Ratio (%) - Level 59.00%
State / Territory IA	Median Loan to Share Ratio (%) - Level 82.00%
State / Territory ID	Median Loan to Share Ratio (%) - Level 91.00%
State / Territory IL	Median Loan to Share Ratio (%) - Level 65.00%
State / Territory IN	Median Loan to Share Ratio (%) - Level 73.00%
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 75.00%
State / Territory MD	Median Loan to Share Ratio (%) - Level 69.00%
State / Territory ME	Median Loan to Share Ratio (%) - Level 79.00%
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 78.00%
State / Territory MS	Median Loan to Share Ratio (%) - Level 67.00%
State / Territory MT	Median Loan to Share Ratio (%) - Level 74.00%
State / Territory NC	Median Loan to Share Ratio (%) - Level 78.00%
State / Territory ND	Median Loan to Share Ratio (%) - Level 80.00%
State / Territory NE	Median Loan to Share Ratio (%) - Level 74.00%
State / Territory NH	Median Loan to Share Ratio (%) - Level 75.00%
State / Territory NJ	Median Loan to Share Ratio (%) - Level 51.00%
State / Territory NM	Median Loan to Share Ratio (%) - Level 77.00%
State / Territory NV	Median Loan to Share Ratio (%) - Level 64.00%
State / Territory NY	Median Loan to Share Ratio (%) - Level 64.00%
State / Territory OH	Median Loan to Share Ratio (%) - Level 64.00%
State / Territory OK	Median Loan to Share Ratio (%) - Level 78.00%
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 76.00%
State / Territory RI	Median Loan to Share Ratio (%) - Level 78.00%
State / Territory SC	Median Loan to Share Ratio (%) - Level 74.00%
State / Territory SD	Median Loan to Share Ratio (%) - Level 73.00%
State / Territory TN	Median Loan to Share Ratio (%) - Level 76.00%
State / Territory TX	Median Loan to Share Ratio (%) - Level 76.00%
State / Territory UT	Median Loan to Share Ratio (%) - Level 87.00%
State / Territory VA	Median Loan to Share Ratio (%) - Level 69.00%
State / Territory VI	Median Loan to Share Ratio (%) - Level 37.00%
State / Territory VT	Median Loan to Share Ratio (%) - Level 89.00%
State / Territory WA	Median Loan to Share Ratio (%) - Level 82.00%
State / Territory WI	Median Loan to Share Ratio (%) - Level 83.00%
State / Territory WV	Median Loan to Share Ratio (%) - Level 64.00%
State / Territory WY	Median Loan to Share Ratio (%) - Level 85.00%

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 second quarter of 2024. At the end of the second quarter of 2023, the median loan-to-share ratio was 68 percent.
• The median loan-to-share ratio was highest in Idaho (91 percent) at the end of the second quarter of 2024, followed by Alaska and Vermont (both 89 percent).
• The median loan-to-share ratio was lowest in Delaware (46 percent) and Connecticut (50 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 - Second Quarter 2024

State / Territory	Median Annualized YTD ROAA (bps) - Level
State / Territory AK	Median Annualized YTD ROAA (bps) - Level 30
State / Territory AL	Median Annualized YTD ROAA (bps) - Level 50
State / Territory AR	Median Annualized YTD ROAA (bps) - Level 64
State / Territory AZ	Median Annualized YTD ROAA (bps) - Level 68
State / Territory CA	Median Annualized YTD ROAA (bps) - Level 41
State / Territory CO	Median Annualized YTD ROAA (bps) - Level 55
State / Territory CT	Median Annualized YTD ROAA (bps) - Level 49
State / Territory DC	Median Annualized YTD ROAA (bps) - Level 22
State / Territory DE	Median Annualized YTD ROAA (bps) - Level 23
State / Territory FL	Median Annualized YTD ROAA (bps) - Level 53
State / Territory GA	Median Annualized YTD ROAA (bps) - Level 71
State / Territory GU	Median Annualized YTD ROAA (bps) - Level 49
State / Territory HI	Median Annualized YTD ROAA (bps) - Level 48
State / Territory IA	Median Annualized YTD ROAA (bps) - Level 88
State / Territory ID	Median Annualized YTD ROAA (bps) - Level 51
State / Territory IL	Median Annualized YTD ROAA (bps) - Level 68
State / Territory IN	Median Annualized YTD ROAA (bps) - Level 63
State / Territory KS	Median Annualized YTD ROAA (bps) - Level 49
State / Territory KY	Median Annualized YTD ROAA (bps) - Level 71
State / Territory LA	Median Annualized YTD ROAA (bps) - Level 48
State / Territory MA	Median Annualized YTD ROAA (bps) - Level 50
State / Territory MD	Median Annualized YTD ROAA (bps) - Level 44
State / Territory ME	Median Annualized YTD ROAA (bps) - Level 75
State / Territory MI	Median Annualized YTD ROAA (bps) - Level 74
State / Territory MN	Median Annualized YTD ROAA (bps) - Level 68
State / Territory MO	Median Annualized YTD ROAA (bps) - Level 68
State / Territory MS	Median Annualized YTD ROAA (bps) - Level 72
State / Territory MT	Median Annualized YTD ROAA (bps) - Level 100
State / Territory NC	Median Annualized YTD ROAA (bps) - Level 46
State / Territory ND	Median Annualized YTD ROAA (bps) - Level 101
State / Territory NE	Median Annualized YTD ROAA (bps) - Level 63
State / Territory NH	Median Annualized YTD ROAA (bps) - Level 87
State / Territory NJ	Median Annualized YTD ROAA (bps) - Level 26
State / Territory NM	Median Annualized YTD ROAA (bps) - Level 77
State / Territory NV	Median Annualized YTD ROAA (bps) - Level 88
State / Territory NY	Median Annualized YTD ROAA (bps) - Level 56
State / Territory OH	Median Annualized YTD ROAA (bps) - Level 64
State / Territory OK	Median Annualized YTD ROAA (bps) - Level 45
State / Territory OR	Median Annualized YTD ROAA (bps) - Level 59
State / Territory PA	Median Annualized YTD ROAA (bps) - Level 68
State / Territory PR	Median Annualized YTD ROAA (bps) - Level 85
State / Territory RI	Median Annualized YTD ROAA (bps) - Level 51
State / Territory SC	Median Annualized YTD ROAA (bps) - Level 96
State / Territory SD	Median Annualized YTD ROAA (bps) - Level 70
State / Territory TN	Median Annualized YTD ROAA (bps) - Level 75
State / Territory TX	Median Annualized YTD ROAA (bps) - Level 60
State / Territory UT	Median Annualized YTD ROAA (bps) - Level 84
State / Territory VA	Median Annualized YTD ROAA (bps) - Level 51
State / Territory VI	Median Annualized YTD ROAA (bps) - Level 158
State / Territory VT	Median Annualized YTD ROAA (bps) - Level 77
State / Territory WA	Median Annualized YTD ROAA (bps) - Level 49
State / Territory WI	Median Annualized YTD ROAA (bps) - Level 75
State / Territory WV	Median Annualized YTD ROAA (bps) - Level 83
State / Territory WY	Median Annualized YTD ROAA (bps) - Level 107

Highlights

• Nationally, the median annualized return on average assets at federally insured credit unions was 61 basis points in the first half of 2024, compared with 66 basis points in the first half of 2023.
• Wyoming (107 basis points) and North Dakota (101 basis points) had the highest median annualized return on average assets in the first half of 2024. 
• Washington, D.C. (22 basis points) and Delaware (23 basis points) had the lowest median annualized 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 - Second 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 80.00%
State / Territory AR	Share of FICUs with Positive YTD Net Income (%) - Level 87.00%
State / Territory AZ	Share of FICUs with Positive YTD Net Income (%) - Level 83.00%
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 81.00%
State / Territory DC	Share of FICUs with Positive YTD Net Income (%) - Level 66.00%
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 90.00%
State / Territory GA	Share of FICUs with Positive YTD Net Income (%) - Level 85.00%
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 87.00%
State / Territory IA	Share of FICUs with Positive YTD Net Income (%) - Level 91.00%
State / Territory ID	Share of FICUs with Positive YTD Net Income (%) - Level 90.00%
State / Territory IL	Share of FICUs with Positive YTD Net Income (%) - Level 88.00%
State / Territory IN	Share of FICUs with Positive YTD Net Income (%) - Level 85.00%
State / Territory KS	Share of FICUs with Positive YTD Net Income (%) - Level 81.00%
State / Territory KY	Share of FICUs with Positive YTD Net Income (%) - Level 86.00%
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 87.00%
State / Territory MD	Share of FICUs with Positive YTD Net Income (%) - Level 83.00%
State / Territory ME	Share of FICUs with Positive YTD Net Income (%) - Level 96.00%
State / Territory MI	Share of FICUs with Positive YTD Net Income (%) - Level 90.00%
State / Territory MN	Share of FICUs with Positive YTD Net Income (%) - Level 89.00%
State / Territory MO	Share of FICUs with Positive YTD Net Income (%) - Level 85.00%
State / Territory MS	Share of FICUs with Positive YTD Net Income (%) - Level 80.00%
State / Territory MT	Share of FICUs with Positive YTD Net Income (%) - Level 88.00%
State / Territory NC	Share of FICUs with Positive YTD Net Income (%) - Level 75.00%
State / Territory ND	Share of FICUs with Positive YTD Net Income (%) - Level 97.00%
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 66.00%
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 84.00%
State / Territory OH	Share of FICUs with Positive YTD Net Income (%) - Level 89.00%
State / Territory OK	Share of FICUs with Positive YTD Net Income (%) - Level 80.00%
State / Territory OR	Share of FICUs with Positive YTD Net Income (%) - Level 87.00%
State / Territory PA	Share of FICUs with Positive YTD Net Income (%) - Level 82.00%
State / Territory PR	Share of FICUs with Positive YTD Net Income (%) - Level 60.00%
State / Territory RI	Share of FICUs with Positive YTD Net Income (%) - Level 87.00%
State / Territory SC	Share of FICUs with Positive YTD Net Income (%) - Level 85.00%
State / Territory SD	Share of FICUs with Positive YTD Net Income (%) - Level 88.00%
State / Territory TN	Share of FICUs with Positive YTD Net Income (%) - Level 89.00%
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 88.00%
State / Territory VA	Share of FICUs with Positive YTD Net Income (%) - Level 81.00%
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 88.00%
State / Territory WA	Share of FICUs with Positive YTD Net Income (%) - Level 89.00%
State / Territory WI	Share of FICUs with Positive YTD Net Income (%) - Level 89.00%
State / Territory WV	Share of FICUs with Positive YTD Net Income (%) - Level 88.00%
State / Territory WY	Share of FICUs with Positive YTD Net Income (%) - Level 95.00%

Highlights

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

• Nationally, 84 percent of federally insured credit unions had positive year-to-date net income in the second quarter of 2024, compared with 87 percent in the second quarter of 2023.
• In the second quarter of 2024, the share of federally insured credit unions with positive year-to-date net income was highest in North Dakota (97 percent) and Maine (96 percent).
• The share was lowest in Washington, D.C. and New Jersey (both 66 percent) at that time, followed by New Mexico (73 percent).

Tables and Downloads

• 2024 Q2 Summary Tables (Accessible web page)
• U.S. Summary Tables (Accessible web page)
• 2024 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
• Q2 U.S. Map Review (PDF) (Opens new window)

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