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Credit Unions.

Also see: U.S. Banks — FDIC Intelligence →

NCUA Credit Union Intelligence

Every NCUA-insured credit union scored across capital adequacy, asset quality, earnings, liquidity, and regulatory standing. Built from quarterly Call Reports and NCUA administrative records. Built for lenders, PE firms, and credit union M&A advisors.

4,374
Credit unions scored
$2.46T
System assets tracked
12.45%
Median net worth ratio
0.71%
Median ROA
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The Data

Three federal datasets.
One credit union health score.

NCUA publishes credit union financial, regulatory, and operational data across multiple programs. None produce a composite score. AuditPoint ingests the Call Reports, joins them at the institution level by CU charter number, and produces a single scored intelligence record per credit union.

The result: a complete capital, asset quality, earnings, liquidity, and regulatory profile for every active NCUA-insured credit union — updated quarterly following Call Report publication.

01
NCUA Call Reports (Form 5300)
Quarterly financial statements filed by every NCUA-insured credit union. Net worth ratio, loan quality, earnings, liquidity — the primary spine of the Credit Union Health Score. 4,374 institutions, Q4 2025 vintage.
Federal
02
NCUA Administrative Orders
All formal enforcement actions — consent orders, cease and desist orders, civil money penalties, removal/prohibition orders. 10,841 total actions. Active enforcement status flags the regulatory standing component.
Federal
03
NCUA Financial Performance Reports
Per-institution financial summaries derived from Call Report filings. Net worth classification, earnings trends, and peer-group benchmarking for every federally insured credit union.
Federal
04
NCUA Credit Union Registry
Registry of all federally insured credit unions — charter type, peer group, field of membership, member counts, and geographic location. 4,374 active institutions.
Federal
05
NCUA Credit Union Branch Information
Branch and ATM location data for all federally insured credit unions. Field-of-membership context and geographic footprint per institution.
Federal

Intelligence Signals

What the federal data reveals.

Capital
Net Worth Ratio
The primary regulatory capital measure for credit unions. NCUA well-capitalized threshold is 7% net worth ratio. Credit unions below 6% face Prompt Corrective Action — mandatory supervisory intervention under the Federal Credit Union Act.
NCUA Call Reports · Quarterly
Asset Quality
Noncurrent Loan Ratio
The percentage of loans two or more months delinquent. NCUA defines noncurrent as 60+ days past due — a stricter standard than the FDIC 90-day threshold. A rising noncurrent ratio precedes charge-offs and capital impairment by 1–3 quarters.
NCUA Call Reports · Quarterly
Asset Quality
Charge-Off Rate
Net charge-offs as a percentage of total loans year-to-date. Credit unions with charge-off rates above 1% are experiencing loan losses that exceed typical provisioning levels and compress net worth over time.
NCUA Call Reports · Quarterly
Earnings
Return on Assets
Net income as a percentage of average total assets. The primary profitability benchmark for credit unions. System median ROA is 0.71%. Every credit union in WATCH tier with negative ROA is eroding its net worth — the defining characteristic of financially stressed institutions.
NCUA Call Reports · Quarterly
Liquidity
Loan-to-Share Ratio
Total loans as a percentage of total shares and deposits. The NCUA system median loan-to-share ratio is 70%. Credit unions significantly above 85% face liquidity pressure; those below 50% are holding excess liquidity at the expense of earnings.
NCUA Call Reports · Quarterly
Regulatory
Regulatory Classification
Credit unions under active NCUA cease and desist orders face operational restrictions that Call Report financials don't reflect. NCUA PCA capital classification is incorporated into the regulatory standing component.
NCUA Administrative Orders · Periodic
Operating Efficiency
Efficiency Ratio
Operating expenses as a percentage of total revenue (interest income plus non-interest income). The NCUA system median is 61.7%. Credit unions above 80% are spending most of their revenue on operations, leaving little margin to absorb loan losses or build net worth.
NCUA Call Reports · Quarterly
Reserve Adequacy
Provision Coverage
Loan loss allowance as a percentage of noncurrent loans. Measures whether a credit union has reserved adequately against its delinquent loan book. Coverage below 100% signals under-reserving and potential future capital impairment.
NCUA Call Reports · Quarterly
Peer Analysis
Peer Group Rank
Percentile rank within asset-size peer group. NCUA segments credit unions into six tiers by total assets. Peer-relative scoring contextualizes performance for institutions of similar scale — a $10M community credit union and a $5B institution are held to different operational benchmarks.
NCUA Call Reports · Quarterly

The Score

Credit Union Health Score

A 100-point composite credit union health score. Higher scores indicate financially stronger, more stable institutions. Five components weighted by their predictive value for regulatory action and financial distress. Methodology fully disclosed.

Strong · 80–100
Well-capitalized. Clean regulatory record. Profitable. No material stress signals.
Adequate · 65–79
Within norms. No material flags. One or more metrics slightly below peer median.
Watch · 40–64
One or more stress indicators. Elevated monitoring warranted. May include active enforcement, negative ROA, or elevated noncurrent loans.
Stressed · 0–39
Multiple stress signals firing simultaneously. Highest risk tier. Every current STRESSED institution is operating at a loss.

Credit Union Health Score and risk tiers (STRONG / ADEQUATE / WATCH / STRESSED) are AuditPoint derived analytical outputs — not official NCUA designations. All government source inputs are disclosed alongside every metric.

Score Components

Capital Adequacy
Net Worth Ratio vs. NCUA PCA thresholds. Well-capitalized = ≥7%. Adequately capitalized = ≥6%.
25%
Asset Quality
Noncurrent loan ratio (2+ months delinquent) and net charge-off rate vs. peer median.
25%
Earnings
Return on assets vs. peer median. Industry benchmark: 0.7–1.2%.
20%
Liquidity
Loan-to-share ratio vs. NCUA system median of 70%.
15%
Regulatory Standing
NCUA PCA capital classification. Institution-level enforcement orders incorporated when available.
15%

Who Uses It

Built for credit union M&A and lending decisions.

M&A Advisory
PE Firms & CU Advisors
Screening credit union merger and acquisition targets before engagement. Identifying well-capitalized credit unions in attractive markets. Flagging net worth and noncurrent loan liabilities pre-LOI.
Screen all TX credit unions under $500M for Credit Union Health Score, net worth ratio, and noncurrent loan ratio
Flag net worth deterioration and noncurrent loan trends as merger impediments before engagement
Identify credit unions with negative ROA and declining membership — deal risk most processes miss
Credit & Counterparty
CU Lenders & Credit Officers
Sizing counterparty exposure to credit union financial health. Monitoring credit union relationships for deteriorating scores between annual reviews.
Score counterparty credit unions before extending credit facilities
Monitor credit union portfolio for net worth ratio compression quarterly
Identify credit unions with simultaneous negative ROA and net worth decline
Research & Analysis
Researchers & Journalists
Accessing assembled, scored credit union financial data without requiring NCUA data engineering expertise. State-level and peer-group analysis available.
Identify the most financially stressed credit unions in a specific state or peer group
Analyze loan-to-share ratio trends across credit unions in agricultural markets
Track enforcement action volume and termination rates over time

Sample Findings · June 2026

What 4,374 credit unions tell us.

Sourced directly from NCUA Call Reports. Verifiable. Citable.

Profitability
68.9%
of credit unions in the WATCH and STRESSED tiers are operating at a loss. The remainder are flagged on capital, asset quality, or liquidity while still profitable — financial stress is multidimensional.
NCUA Call Reports · Q4 2025
Active Stress
402
federally insured credit unions currently rated WATCH or STRESSED on NCUA Call Report data. The 17 STRESSED institutions carry an average net worth ratio of -1.65%; three carry negative net worth, with member shares exceeding total assets.
NCUA Call Reports · Q4 2025
Coverage
4,374
federally insured credit unions scored across 50 states. System median net worth ratio: 12.45%. System median loan-to-share ratio: 69.7%. System median ROA: 0.71%.
NCUA Call Reports · Q4 2025

Request credit union intelligence.

Institution-level Credit Union Health Score reports, portfolio screening, and custom state or peer-group analysis available on inquiry. No subscription required — per-decision pricing.

Request Intelligence Back to AuditPoint →
CoverageAll 50 states · All active NCUA-insured credit unions
Institutions scored4,374
Data vintageNCUA Q4 2025 Call Reports
Refresh cadenceQuarterly (Call Reports)
Current vintageNCUA Q4 2025 · Call Reports February 2026
Pricing modelPer-decision · No subscription
Contactinquiries@auditpoint.ai