Lending By The Numbers (2Q 2016)

Check out how the credit union loan portfolio fared in the first six months of 2016.

 
 

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During the second quarter of 2016, the median credit union loan portfolio expanded 4.2% year-over-year. Performers in the top 20th percentile posted 12.5% growth. Credit unions in the bottom 20th percentile posted negative growth of -3.8%.

Read more about second quarter lending trends, including origination trends.



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Auto loan balances hit a new high, reaching nearly $283 billion. New and used auto loans have accounted for 40.4% of growth in the total loan portfolio.

Read more about second quarter auto lending trends, including indirect trends.

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Sales to the secondary market decreased from June 2015 to June 2016, falling 1.3% to $23.6 billion. Credit unions in the bottom 20th percentile sold, on average, 16.3% of their first mortgage loan originations to the secondary market. The industry median for sales to the secondary market was 43.5%. Credit unions in the upper 20th percentile sold 83.4% on average.

Read more about second quarter mortgage trends, including trends in other real estate.

 

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Credit card usage across all three usage percentiles declined slightly from previous midyear levels of 26.1%, 33.1%, and 41.4%.

Read more about second quarter credit card lending trends.

 

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The median delinquency for member business loans reached 1.11%. That's more than 3.0 percentage points lower than credit unions in the bottom 20th percentile, which reported 4.06% delinquency. Credit unions in the top 20th percentile reported an MBL delinquency rate of 0.25%.

Read more about second quarter MBL trends, including growth trends.

 
 

Nov. 7, 2016


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