How to Read NCUA's Quarterly Credit Union Data Summary — Assets, Loans, Delinquency and Net Worth

As of 8 November 2026, 00:58 KST (retrieved by this page at that time); latest listed on the agency page at retrieval: the Quarterly Credit Union Data Summary for 2026 Q2 (June 30, 2026), from the National Credit Union Administration (NCUA). The newest quarter on the NCUA list is June 2026, and the list page itself shows Last modified on 09/14/26, a date for that page rather than the PDF's publication date. Primary source: https://www.ncua.gov/files/publications/analysis/quarterly-data-summary-2026-Q2.pdf^[1][2]

Comparison basis: dollar amounts are in billions and rounded by NCUA to one decimal; ratios are in percent. The fourth column is this page's subtraction of the printed 2026Q1 and 2026Q2 values; the fifth column repeats NCUA's printed four-quarter change. Subtracting printed levels can differ from the printed change because of rounding (this page's inference; see claims), and the printed change values use differing precision by line (for example 119.88, 82.20 and 80). Income ratios are year to date at an annual rate, so a first-quarter value and a first-half value cover different windows.^[1]

In three lines

1. NCUA's quarterly data summary aggregates the 5300 Call Reports of all federally insured credit unions.
2. At June 30, 2026 there were 4,214 federally insured credit unions with 146.1 million members and total assets of $2,498.9 billion.
3. The delinquency rate was 0.96% (up 0.06 percentage point from a year earlier) and the net worth ratio 11.42%.^[1]

Coverage. "The Quarterly Credit Union Data Summary provides an overview of the financial performance of federally insured credit unions based on self-reported information in NCUA's 2026Q2 Call Report." "The financial information that appears in this publication is obtained from the NCUA 5300 Call Report submitted by all federally insured credit unions." "As of June 30, 2026, there were 4,214 federally insured credit unions with 146.1 million members."^[1]

Table layout. The summary table shows year-end quarters (2021.4 to 2025.4), the same quarter in earlier years (2022.2 to 2025.2) and the most recent four quarters (2025.3 to 2026.2), followed by a four-quarter percent change and a four-quarter change. NCUA's list page describes the series this way: "Call Report Quarterly Summary Reports provide a quarterly listing of summarized accounts collected from all federally insured credit unions."^[1][2]

Net worth ratio. The aggregate net worth ratio was 11.42% in 2026Q2. "Note that beginning in 2023Q1, this ratio excludes the Current Expected Credit Loss (CECL) transition provision." The separate net worth ratio for prompt corrective action, which considers the transition provision as applicable, was 11.47%.^[1]

Deposits: two measures. "Insured shares and deposits rose $80 billion, or 4.3 percent, over the year ending in 2026Q2, to $1.91 trillion." "Total shares and deposits grew by $105.0 billion, or 5.2 percent, over the year to $2.13 trillion in 2026Q2." The first is insured shares and deposits ($1,909.3 billion in the table); the second is total shares and deposits ($2,127.0 billion), so the two growth rates refer to different totals.^[1]

Rounded text vs table. "Total assets in federally insured credit unions rose by $120 billion, or 5.0 percent, over the year ending in 2026Q2, to $2.50 trillion." The balance sheet section says: "Total assets in federally insured credit unions rose by $119.9 billion, or 5.0 percent, over the year to $2.50 trillion in 2026Q2." The table prints 119.88, so $120 billion and $119.9 billion are the same change rounded to different levels.^[1]

Four-quarter change vs printed levels. For total loans the table prints a four-quarter change of 82.20, while subtracting the printed levels (1,763.5 minus 1,681.2) gives 82.3 (this page's calculation). For insured shares and deposits the printed levels give 79.5 (1,909.3 minus 1,829.8) against a printed change of 80, printed without decimals. For the delinquency rate, 0.96 minus 0.91 gives 0.05 against a printed +0.06 percentage point; for return on average assets, 0.91 minus 0.76 gives 0.15 against a printed +0.16. The printed change values use differing precision by line, and NCUA does not state how they were computed (see claims).^[1]

Loan to share ratio. "The loan to share ratio stood at 82.9 percent in 2026Q2, down from 83.1 percent in 2025Q2." The table prints 82.91 for 2026Q2 and 83.15 for 2025Q2, and a four-quarter change of -0.24. Rounding 83.15 to one decimal could give 83.1 or 83.2 depending on the value before rounding, which the summary does not show; the text value is reported here as printed.^[1]

Delinquency and charge-offs. "The delinquency rate at federally insured credit unions was 96 basis points in 2026Q2, up 6 basis points from one year earlier." "The net charge-off ratio was 78 basis points, little changed compared with 2025Q2." The detail section puts the net charge-off ratio at 78 basis points, down 1 basis point from 2025Q2. Commercial loans moved separately: "Commercial loans excluding unfunded commitments increased $18.5 billion, or 10.1 percent, over the year to $201.7 billion in 2026Q2."^[1]

Fewer institutions, more members. The number of federally insured credit unions fell from 4,370 to 4,214 over the year while membership rose from 143.8 million to 146.1 million. NCUA adds: "The year-over-year decline is consistent with long-running industry consolidation trends." That is NCUA's description; the summary does not break the decline down by merger, liquidation or conversion.^[1]

Changes to the tables. The notes to users list series that were redefined or dropped, including the 2022Q1 Call Report redesign (cash, loans and investments were redefined) and the removal of share-of-average-assets presentations with the 2025Q4 report. Earlier counts can also be revised: the 2023Q3 count of federally insured credit unions was printed as 4,645 in the 2023Q4 summary and 4,644 in the 2024Q1 summary.^[1]

Dates. The summary itself is labeled 2026 Q2 and gives no release date. The metadata of the PDF file, read with pdfinfo, gives a creation date of September 10, 2026 and a modification date of September 16, 2026; the summary does not state that it was revised. The list page's Last modified on 09/14/26 refers to that page, not to the PDF. The date of the 2026 Q3 summary is not established by these sources.^[1][2]