Q4 2024

Q4 2024 Insights

Data through December 31, 2024 · 4,550 reporting credit unions

System Snapshot

Total Assets

$2,330.4B

▲ 0.11% QoQ

Total Loans

$1,660.2B

▲ 1.16% QoQ

Shares & Deposits

$1,979.2B

▲ 1.55% QoQ

Net Worth Ratio

9.66%

NIM (Ann.)

3.09%

Delinquency (60+)

0.97%

ROAA (Ann.)

0.62%

NCO Ratio (Ann.)

0.79%

Articles

  • Board Meeting Digest — February 2025 — Chairman Hauptman's first meeting as chair covered the Q4 2024 Share Insurance Fund briefing. Key signals: equity ratio holds at 1.30% for third consecutive year, clean audit streak extends to 40+ years, and Board Member Harper flags a sharp rise in complex CUs with CAMELS 4–5 ratings.
  • Credit Cycle Watch — Q4 2024 — The CCPI™ crosses back into Contraction as delinquency hits a dataset high and the stress index reaches its third-highest reading. Credit quality is now the dominant risk factor across every analytical framework.
  • Quarterly Pulse — Q4 2024 — System-wide credit union industry dashboard for the quarter ending December 31, 2024. Key metric trends across CAMELS dimensions, broken out by asset-size cohort.

Source: NCUA 5300 Call Report data.