Guides
Credit union delinquency rate: what is late, and where
Independent site, not the NCUA, a credit union or a bank. General information, not financial advice.
Enter late loans and total loans as filed, then choose a size group. The tool shows the rate and how it stands against the median.
Work out a delinquency rate
Delinquency rate
0.89%
| Median of the size group | 0.67% |
| All federally insured | 0.96% |
| Over the median by | 0.22 points |
The delinquency rate is the share of a credit union’s loans that are two months or more behind, measured in dollars. Federally insured credit unions together reported 0.96% on June 30, 2026, a figure that matches the NCUA’s own quarterly summary. By state the rate ranges from 0.39% in Rhode Island to 2.09% in North Carolina, where one very large institution sets the total. The median for groups of credit unions by size stays between 0.53% and 0.85%, so a rate of 2% stands out at any size, though less so if the loan book is small. The figure is a snapshot taken at the quarter’s end, and it says nothing about a loan paid late last month. It also excludes loans already written off, so read it next to earnings.
Two states side by side
Credit unions: North Carolina and Montana
57 and 41
| Members | 5.24M / 448K |
| Assets | $92.0B / $8.21B |
| Net worth ratio | 11.05% / 12.08% |
| Delinquency | 2.09% / 0.53% |
| Top 3 share of assets | 78.1% / 47.4% |
Filings read by Radif Partners · Editorial policy · Method and sources
How it is worked out
The Call Report asks for the balance of loans two months or more late, in several categories. We use the total, divided by all loans and leases outstanding at the end of the quarter, and our result for the country matches the agency’s quarterly summary. Loans less than two months late do not count, so the figure leaves out a good deal of early trouble.
By size
| Assets | Median delinquency | Median net worth ratio |
|---|---|---|
| under $2 million | 0.53% | 19.32% |
| $2 to $10 million | 0.85% | 17.30% |
| $10 to $50 million | 0.68% | 13.88% |
| $50 to $100 million | 0.67% | 12.92% |
| $100 to $500 million | 0.70% | 11.69% |
| $500 million or more | 0.68% | 10.78% |
These are the medians behind the delinquency test in our health check. A median is what the filer in the middle reports, and it does not lean on the largest lenders the way a combined rate does.
By state
The five highest state rates are North Carolina (2.09%), North Dakota (1.73%), Kansas (1.71%), New Hampshire (1.46%), Virginia (1.40%). The five lowest are Rhode Island (0.39%), Tennessee (0.53%), Montana (0.53%), Idaho (0.55%), Connecticut (0.56%). A state total is weighted by loans, so read each state’s page for its own list. The largest names tell part of the story, with CommunityAmerica Federal Credit Union reporting 2.68%, the highest rate among the 100 largest credit unions, and Star One Credit Union reporting 0.13%, the lowest.
Reading one quarter
A single figure can mislead in either direction. The file gives one date, not the reason a rate moved, so ask why. For a broader reading, use the health check, which also looks at earnings and capital.
The rate describes loans, not deposits. Your insured shares are not affected by it directly. Nothing here is a judgment on a credit union, and only the institution can explain its own book.