Credit Cycle Watch
Credit Cycle Watch
A focused lens on credit risk across the credit union system. Where the Quarterly Pulse paints a broad CAMELS picture, Credit Cycle Watch goes deeper on a single dimension: are loans performing, and where are they not?
Published quarterly or semi-annually depending on conditions. In benign environments this runs less frequently; when credit metrics start diverging, it accelerates.
Latest Snapshot: Q4 2025
Delinquent Loans (60+ Days)
$17.8B
Delinquency Ratio
1.02%
Non-Accrual Loans
$0.0B
Delinquency Ratio Trend
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Source: NCUA 5300 Call Report; FINASENSE analysis.