Industry Trends
Credit Union Industry Trends
This is a standing dashboard of the credit union system — every federally insured institution, built from the quarterly NCUA 5300 Call Report and refreshed each cycle. It reads top-down: the system's size and shape (assets, loans, deposits, and who's in it), then where the risk sits (credit quality — delinquency, charge-offs, and the loan books driving them), and finally the players and places behind the aggregates. Figures are system-wide and point-in-time at quarter-end unless a section notes otherwise.
Key Metrics — Latest Quarter
The system's headline scale, with each metric's move versus the prior quarter.
Total Assets
▲ $2,395.1B vs prior quarter
Total Loans
▲ $1,693.7B vs prior quarter
Total Shares & Deposits
▲ $2,037.2B vs prior quarter
Net Income
▲ $19B vs prior quarter
Active Credit Unions
CU Population Changes
The industry consolidates steadily through mergers — this tracks how many institutions leave each quarter, why they leave, and the few that newly charter.
Source: NCUA 5300 Call Report filings cross-referenced with NCUA Insurance Report Activity. "Voluntary" = Expanded Services. "Involuntary" = Poor Financial Condition, Poor Management, Inability to Obtain Officials, or Loss/Declining FOM. "Other Exits" = not matched to a merger record.
Total Assets & Loans Over Time
The long arc of the balance sheet — and whether lending is keeping pace with deposit growth or the two are pulling apart.
Loan Portfolio Composition
What credit unions lend against, and how the mix among autos, mortgages, cards, and commercial credit shifts over time.
Investment Maturity Distribution
How long the investment book is locked up. A lengthening tail raises interest-rate risk; the first chart shows the mix, the second the dollar scale.
Investment Growth by Maturity (Year-over-Year)
Indirect Loans & Delinquency
Loans booked through dealers rather than the branch carry higher credit risk — watch whether delinquency climbs as the balance grows.
Participation Loans & Delinquency
Loans purchased from other institutions inherit the originator's underwriting; the delinquency line is the check on that exposure.
Charge-Off Rates by Loan Category
Which loan types are actually realizing losses — the signal is the direction within each category, not the level across them.
Note: "Real Estate" includes all non-commercial RE loan NCOs (first lien, junior lien, and other) as a share of total RE loan balances. Credit card NCO rates (~5%) are on a different scale than vehicle and RE rates — the chart axis accommodates all four.
Charge-Offs & Recoveries (Rolling 4-Quarter)
Realized credit losses, net of what gets collected back, on a rolling annual basis — the cash cost of credit deterioration.
Gross charge-offs = total loans written off. Recoveries = amounts collected on previously charged-off loans. Net = gross minus recoveries. All figures are rolling four-quarter sums to smooth seasonal variation and provide a true annual rate.
Delinquency Rate vs. Net Charge-Off Rate
A lead-and-lag pair: delinquency is the early warning, charge-offs the eventual bill. A widening gap means problem loans are aging in place rather than resolving.
Delinquency ratio = 60+ day delinquent loans / total loans (point-in-time). NCO ratio = trailing four quarters of net charge-offs / average loans (rolling annual rate). When the delinquency line rises faster than the NCO line, it signals loans are accumulating in delinquent status without resolving — a leading indicator of future charge-off acceleration.
Delinquency Trends
The stock of delinquent loans by how far overdue — a shift toward the longer buckets signals deeper distress.
Largest Credit Unions
The system is top-heavy: a handful of institutions hold an outsized share of assets. Search and sort the 25 largest.
Regional & State View
The system's geographic shape — the NCUA's three supervisory regions first, then any single state.