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4Q 2017 Data


Loan/Share Ratio

The industry’s loan-to-share ratio expanded to 82.5% in the fourth quarter, nearly reaching pre-recession record levels. The highest loan-to-share ratio recorded was 83.7% in the third quarter of 2018.



Despite overall delinquency improving eight basis points year-over-year to 1.20%, credit card delinquency has increased 15 basis points in 2017, to 1.29% at year-end.


RE Growth

Annual real estate loan growth hits a nine-year high in the fourth quarter, at 9.7%. Credit unions added $42.2 billion in real estate loans to their books over the year.

Quarterly Data Blogs

Are Credit Unions Too Loaned Out?

The industry’s loan-to-share ratio has nearly hit levels not seen since the Great Recession.

3 Takeaways From Trendwatch 4Q 2017

Changes in auto lending and questions of liquidity highlight credit union performance in the fourth quarter of 2017.

A Large Credit Union With Low Delinquency

Innovative consumer loan and financial education products have helped BECU perform admirably in asset quality.

A Great Member Giveback

Sentry Credit Union pays it members an unprecedented dividend bonus.

Bangor FCU Does A Bang-Up Job In Real Estate Penetration

Real estate penetration in the Pine Tree State credit union reached 30.65% in the fourth quarter of 2017.



This must-attend quarterly event for credit union leaders covers performance trends, industry success stories, and areas of opportunity. Viewers will find insight they won't find anywhere else weeks before the official NCUA data release.

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Strategy & Performance 4Q 2017

The year-end issue of Strategy & Performance is a time for reflection, celebration, and prognostication. This spring, be on the lookout for:

  • Analysis of the industry's performance throughout 2017.
  • Callahan's 2017 Annual Report, featuring the 2017 Credit Union Impact Report.
  • Results from the 2018 Executive Outlook Survey.
  • Vetted practices and personal insights from the Anatomy Of A Credit Union profile.
  • The newest installment in Callahan's industry call to tackle tough questions.

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