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.