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NCUA Quarterly U.S. Map Review - Third Quarter 2019

The NCUA Quarterly U.S. Map Review for the third quarter of 2019 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 third quarter of 2018 through the third quarter of 2019. Most maps shown in this review display medians, or the 50th percentile of the distribution of the variable. In other words, for a given metric, half of all credit unions had a value at or above the median, while the other half had a value that was less than or equal to the median.2

Data presented in this review are rounded. Unless otherwise noted, indicators in percentages are rounded to the nearest tenth of a percentage point, while indicators in basis points are rounded to the nearest basis point. In the legends, the data range in each color band excludes the value of the lower bound but includes the value of the upper bound of the range. Credit unions are included in their states of chartering or the states in which their headquarters are located.

NCUA makes information about the financial performance of federally insured credit unions available through its online Research a Credit Union tool. Through this link, you can locate information contained in an individual credit union’s Call Report as well as obtain a Financial Performance Report and summary documents about a credit union’s performance.

For comments or suggestions about the NCUA Quarterly U.S. Map Review, please send an email to ocemail@ncua.gov.

Median Annual Asset Growth

−1.00%0.00%1.00%2.00%3.00%4.00%5.00%6.00%7.00%PercentMedian Annual Asset Growth - Third Quarter 2019
Source: National Credit Union Administration
NCUA.gov
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Highlights

  • Nationally, median asset growth over the year ending in the third quarter of 2019 was 1.9 percent. In other words, half of all federally insured credit unions had asset growth at or above 1.9 percent and half had asset growth of 1.9 percent or less. In the year ending in the third quarter of 2018, the median growth rate in assets was 1.7 percent.
  • Over the year ending in the third quarter of 2019, median asset growth was highest in Idaho (7.8 percent), followed by Wyoming (5.9 percent).
  • Median asset growth was negative in New Jersey (-1.2 percent) and Connecticut (-0.3 percent) over the year ending in the third quarter of 2019. Assets grew the least in Arkansas (0.1 percent) and Delaware and North Carolina (both 0.3 percent).

Median Annual Share and Deposit Growth

−2.00%0.00%2.00%4.00%6.00%8.00%PercentMedian Annual Share and Deposit Growth - Third Quarter 2019
Source: National Credit Union Administration
NCUA.gov
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Highlights

Nationally, median growth in shares and deposits over the year ending in the third quarter of 2019 was 1.5 percent. In the year ending in the third quarter of 2018, the median growth rate in shares and deposits was 1.3 percent.

Over the year ending in the third quarter of 2019, median growth in shares and deposits was highest in Idaho (8.9 percent) and Maine (5.5 percent).

Median growth in shares and deposits was negative in New Jersey (-2.1 percent), Connecticut (-0.7 percent), Arkansas (-0.6 percent), and North Carolina (-0.3 percent) over the year ending in the third quarter of 2019. At the median, shares and deposits were unchanged in Kentucky and Pennsylvania, and grew the least in Washington, D.C. (0.2 percent) and Louisiana and Virginia (both 0.3 percent).

Median Annual Membership Growth

−1.50%−1.00%−0.50%0.00%0.50%1.00%1.50%2.00%PercentMedian Annual Membership Growth - Third Quarter 2019
Source: National Credit Union Administration
NCUA.gov
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Highlights

  • While overall membership in federally insured credit unions continued to grow during the year ending in the third quarter of 2019, at the median, membership was unchanged. Membership increased 0.1 percent at the median over the year ending in the third quarter of 2018. Overall, almost half of federally insured credit unions had fewer members at the end of the third quarter of 2019 than a year earlier. Credit unions with falling membership tend to be small; about 70 percent had less than $50 million in assets.
  • Over the year ending in the third quarter of 2019, credit unions headquartered in Alaska (2.4 percent) and Wyoming (2.2 percent) posted the highest median membership growth rates.
  • In 18 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 Pennsylvania (-1.4 percent) and Illinois (-1.0 percent). Membership was unchanged in Louisiana, Maryland, and West Virginia.

Median Annual Loan Growth

0.00%1.00%2.00%3.00%4.00%5.00%6.00%7.00%PercentMedian Annual Loan Growth - Third Quarter 2019
Source: National Credit Union Administration
NCUA.gov
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Highlights

  • Nationally, the median growth rate in loans outstanding was 3.8 percent over the year ending in the third quarter of 2019. The median loan growth rate during the previous year was 5.9 percent.
  • Over the year ending in the third quarter of 2019, median loan growth was positive in Washington, D.C. and all but one state. At the median, loans outstanding declined in Arkansas (-0.4 percent) and grew the least in Arizona and New Jersey (both 0.2 percent).
  • Median loan growth was strongest in Minnesota (7.4 percent) and Delaware and Wyoming (both 6.5 percent) over the year ending in the third quarter of 2019.

Median Total Delinquency Rate

406080100120140Basis PointsMedian Total Delinquency Rate - Third Quarter 2019
Source: National Credit Union Administration
NCUA.gov
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Highlights

  • At the end of the third quarter of 2019, the median total delinquency rate among federally insured credit unions was 60 basis points, compared to 66 basis points in the third quarter of 2018.
  • At the end of the third quarter of 2019, the median delinquency rate was highest in New Jersey (152 basis points) and Louisiana (108 basis points).
  • The median delinquency rate was lowest in North Dakota (21 basis points) and New Hampshire (22 basis points).

Median Loan-to-Share Ratio

40.00%50.00%60.00%70.00%80.00%90.00%PercentMedian Loan-to-Share Ratio - Third Quarter 2019
Source: National Credit Union Administration
NCUA.gov
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Highlights

Loans-to-shares ratios are rounded to the nearest percentage point.

  • Nationally, the median ratio of total loans outstanding to total shares and deposits (the loans-to-shares ratio) was 71 percent at the end of the third quarter of 2019. At the end of the third quarter of 2018, the median loans-to-shares ratio was 69 percent.
  • The median loans-to-shares ratio was highest in Vermont (91 percent) and Wisconsin (88 percent).
  • The median loans-to-shares ratio was lowest in Delaware and New Jersey (both 53 percent), followed by Hawaii (54 percent).

Median Return on Average Assets

405060708090100Basis PointsMedian Return on Average Assets - Third Quarter 2019
Source: National Credit Union Administration
NCUA.gov
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Highlights

  • Nationally, the median annualized return on average assets at federally insured credit unions was 65 basis points during the first three quarters of 2019, compared to 60 basis points during the first three quarters of 2018.
  • New Mexico had the highest median annualized return on average assets during the first three quarters of 2019 (99 basis points), followed by South Carolina (94 basis points).
  • New Jersey had the lowest median annualized return on average assets during that time (39 basis points), followed by Connecticut and Washington, D.C. (both 43 basis points).

Share of Credit Unions with Positive Net Income

75.00%80.00%85.00%90.00%95.00%100.00%PercentShare of Credit Unions with Positive Net Income - Third Quarter2019
Source: National Credit Union Administration
NCUA.gov
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Highlights

Shares on this page are rounded to the nearest percentage point.

  • Nationally, 89 percent of federally insured credit unions had positive net income during the first three quarters of 2019, compared to 88 percent during the first three quarters of 2018.
  • At least 70 percent of credit unions in every state had positive net income during the first three quarters of 2019.
  • The share of federally insured credit unions with positive net income was highest in Alaska, Maine, Nevada, New Hampshire, and Vermont (all 100 percent), followed by Hawaii, Iowa, and New Mexico (all 98 percent).
  • The share was lowest in Arkansas (75 percent), followed by Washington, D.C. (78 percent).

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