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CUNA Research Reports

CU Snapshot

 Nov '17Oct '17
# of CUs5,8065,815
Members
(millions)
113.4113.4
Total Assets
($ billions)
$1,396.3$1,389.5
Total Savings
($ billions)
$1,173.4$1,168.6
Net Cap.
Assets
10.7%10.7%
Loans to Savings83.1%82.8%
Loan Delinq.0.8%0.8%

         Credit Union Indicators

Credit Union Indicators

Credit Union Balance Sheet

 


Percent change from:
($ billions) last
month
one
year
ago
Assets
Loans$975.60.9%10.7%
*Surp funds$363.4-0.5%-3.8%
Other$57.60.5%8.9%
Total$1,396.30.5%6.4%
Members113.40.4%4.2%
# of Cus5,8065,8156,054

Liabilities & Equity
Savings$1,173.40.5%6.7%
Liabilities1$73.30.8%1.8%
Res. & UDE$149.70.3%7.2%
Total$1,396.30.5%6.4%

*Cash accts are now broken down into three components due to the removal of overnight deposits and cash equivalents from total investments. We will combine investments and cash and report these items as surplus funds.

 

Credit Union Ratios

 

MonthLoan
Delinq. ($)
Loan/
Savings
Capital/
Assets
% of
Surplus
Funds
Liquid2
Nov-170.8%83.1%10.7%46.9%
Oct-170.8%82.8%10.7%46.9%
Sep-170.8%81.8%10.7%48.0%
Nov-160.8%80.1%10.6%47.6%

 

Percent of Total Savings
MonthShare
Drafts
Cer-
tificates
MMAsIRAsRegular/
Other
Nov-1714.3%18.6%22.4%6.7%37.9%
Oct-1713.9%18.4%22.5%6.8%38.3%
Sep-1714.4%18.1%22.4%6.8%38.3%
Nov-1614.0%18.5%22.9%7.2%37.4%

 

Savings Rates

 

Month   CU
Regular
Shares
Nov-170.2%
Oct-170.2%
Sep-170.2%
Nov-160.2%

 

Share Draft/Checking
Month   CUsBanks,
S&Ls
3
Nov-170.3%0.2%
Oct-170.3%0.2%
Sep-170.3%0.2%
Nov-160.2%0.2%

 

Money Market Accounts
Month   CUs Banks,
S&Ls
3
MM
Funds
4
Nov-170.4%0.1%0.3%
Oct-170.4%0.1%0.3%
Sep-170.4%0.1%0.3%
Nov-160.3%0.1%0.2%

 

Certificates (One Year)
Month   CUsBanks,
S&Ls
3
Nov-171.1%0.4%
Oct-171.1%0.4%
Sep-171.1%0.4%
Nov-161.0%0.3%

 

Loan Rates and Investment Yields

 

New-Auto Loans
Month   CUsBanks,
S&Ls
3
Auto
Fin.
Cos
6
Nov-173.1%3.7%NA
Oct-173.1%3.6%NA
Sep-173.1%3.7%NA
Nov-163.0%3.6%NA

 

Personal Loans
Month   CUsBanks,
S&Ls
3
Nov-1711.3%10.0%
Oct-1711.3%10.0%
Sep-1711.3%9.8%
Nov-1611.2%9.6%

 

6-Month T-Bills
Month   DiscountYield
Nov-171.50%1.53%
Oct-171.26%1.29%
Sep-171.26%1.29%
Nov-160.61%0.62%