Credit Union Asset Quality Trends By Region

Credit unions across the United States posted improvements in asset quality.


Credit unions across the United States are reporting steady or improving asset quality. The delinquency ratio remains unchanged at 1.74% from September to December. Since the delinquency ratio reached its peak (1.81%) in December 2009, the metric has decreased seven basis points. More than half (56.2%) of FirstLook credit unions report an annual decrease in delinquent loans. Industry delinquency traditionally peaks in the fourth quarter; therefore, stable delinquency is a sign of improvement in local markets. Beyond delinquency, credit unions across the United States and in defined regional groups are posting improvements in asset quality.


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