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CUNA Research Reports

CU Snapshot

 Apr '17Mar '17
# of CUs 5,926 5,953
Members
(millions)
111.2110.7
Total Assets
($ billions)
$1,381.2$1,374.7
Total Savings
($ billions)
$1,161.4$1,163.6
Net Cap.
Assets
10.4%10.4%
Loans to Savings79.3%78.2%
Loan Delinq.0.8%0.7%

         Credit Union Indicators

Credit Union Indicators

Credit Union Balance Sheet

 


Percent change from:
($ billions) last
month
one
year
ago
Assets
Loans $ 921.39 0.9% 11.8%
Invests. $ 405.185 -1.2% 1.1%
Other $ 54.59 7.8% 1.0%
Total $ 1381.164 0.5% 8.0%
Members 111.2 0.4% 4.5%
# of Cus 5,926 5953 6,135

Liabilities & Equity
Savings $ 1161.392 -0.2% 7.4%
Liabilities1 $ 75.52 11.0% 20.9%
Res. & UDE $ 144.252 1.2% 6.5%
Total $ 1381.164 0.5% 8.0%

 

Credit Union Ratios

 

Month Loan
Delinq. ($)
Loan/
Savings
Capital/
Assets
% of
Surplus
Funds
Liquid2
Apr-17 0.8% 79.3% 10.4% 50.0%
Mar-17 0.7% 78.2% 10.4% 51.5%
Feb-17 0.8% 79.5% 10.5% 50.2%
Apr-16 0.7% 76.2% 10.6% 48.8%

 

Percent of Total Savings
Month Share
Drafts
Cer-
tificates
MMAs IRAs Regular/
Other
Apr-17 14.6% 18.0% 22.5% 6.9% 38.1%
Mar-17 14.4% 17.9% 22.4% 6.8% 38.5%
Feb-17 14.3% 18.2% 22.7% 7.0% 37.8%
Apr-16 15.2% 18.4% 22.6% 7.3% 36.5%

 

Savings Rates

 

Month     CU
Regular
Shares
Apr-17 0.2%
Mar-17 0.2%
Feb-17 0.2%
Apr-16 0.2%

 

Share Draft/Checking
Month   CUs Banks,
S&Ls
3
Apr-17 0.3% 0.2%
Mar-17 0.2% 0.2%
Feb-17 0.2% 0.2%
Apr-16 0.2% 0.2%

 

Money Market Accounts
Month   CUs Banks,
S&Ls
3
MM
Funds
4
Apr-17 0.4% 0.9% 0.2%
Mar-17 0.4% 0.1% 0.2%
Feb-17 0.3% 0.1% 0.2%
Apr-16 0.3% 0.1% 0.1%

 

Certificates (One Year)
Month   CUs Banks,
S&Ls
3
Apr-17 1.0% 0.3%
Mar-17 1.0% 0.3%
Feb-17 1.0% 0.3%
Apr-16 1.0% 0.3%

 

Loan Rates and Investment Yields

 

New-Auto Loans
Month   CUs Banks,
S&Ls
3
Auto
Fin.
Cos
6
Apr-17 3.0% 3.6% NA
Mar-17 3.0% 3.9% NA
Feb-17 3.0% 3.9% NA
Apr-16 3.0% 3.8% NA

 

Personal Loans
Month   CUs Banks,
S&Ls
3
Apr-17 11.3% 9.9%
Mar-17 11.3% 9.9%
Feb-17 11.2% 9.7%
Apr-16 11.2% 10.2%

 

6-Month T-Bills
Month   Discount Yield
Apr-17 1.06% 1.08%
Mar-17 0.90% 0.92%
Feb-17 0.90% 0.92%
Apr-16 0.37% 0.38%