Community Chair
The Delinquency Ratio is the value of past-due loans divided by the total amount of current loans outstanding. Credit Unions and other Financial Institutions use the delinquency ratio as an indicator to determine the quality of the loan portfolio. Below we have mentioned 50 Most and Least Delinquent Credit Union (more than $500M Asset) as per the NCUA Data for Sept 2020.
 
A lower delinquency rate signifies the higher quality of the loan portfolio or that the credit unions hold fewer loans that are not yet paid off. However, it may also mean that the credit union is very rigid with its underwriting policies.  Below is the list of 50 CUs with the lowest delinquency ratio. 
 
Rank  CU Name State URL  Total Assets ( As on Sept 2020) Delinquency Ratio ( As on Sept 2020)
1 Enrichment Credit Union TN http://www.enrichmentfcu.org 622M 0.01%
2 Mayo Employees Credit Union MN http://www.mayocreditunion.org 1,195M 0.01%
3 Westmark Credit Union ID http://www.westmark.org 966M 0.01%
4 Caltech Employees Credit Union CA http://www.cefcu.org 2,001M 0.02%
5 Stanford Credit Union CA https://www.sfcu.org 3,348M 0.03%
6 Star One Credit Union CA http://www.starone.org 9,975M 0.04%
7 Abbott Laboratories Credit Union IL https://www.alecu.org/ 905M 0.04%
8 Quincy Credit Union MA http://www.qcu.org 647M 0.04%
9 Connecticut State Employees Credit Union CT http://csecreditunion.com 2,147M 0.06%
10 Clearwater Credit Union MT http://www.clearwatercreditunion.org 710M 0.06%
11 Elements Financial Credit Union IN http://www.elements.org 1,973M 0.06%
12 Salal Credit Union WA http://www.salalcu.org 975M 0.06%
13 Credit Union West Credit Union AZ http://www.cuwest.org 885M 0.06%
14 Datcu Credit Union TX http://www.datcu.org 1,203M 0.06%
15 University Of Va Community Credit Union VA http://www.uvacreditunion.org 1,149M 0.07%
16 Pacific Service Credit Union CA http://www.pacificservice.org 1,283M 0.07%
17 Houston Credit Union TX http://www.houstonfcu.org 802M 0.08%
18 St. Mary'S Credit Union MA http://www.stmaryscu.org 950M 0.08%
19 St. Mary'S Bank Credit Union NH http://www.stmarysbank.com 1,238M 0.08%
20 Spokane Teachers Credit Union WA http://www.stcu.org 3,829M 0.08%
21 Consumer Credit Union TN http://consumercreditunion.com 521M 0.09%
22 Provident Credit Union CA http://providentcu.org 3,224M 0.09%
23 University & State Employees Credit Union CA http://www.usecu.org 1,135M 0.09%
24 State Farm Credit Union IL http://www.statefarmfcu.com 4,962M 0.10%
25 Insight Credit Union FL http://insightcreditunion.com 617M 0.10%
26 American First Credit Union CA http://amerfirst.org 836M 0.10%
27 Granite Credit Union UT http://www.granite.org 610M 0.10%
28 Lake Michigan Credit Union MI http://www.lmcu.org 8,739M 0.10%
29 Texas Trust Credit Union TX http://www.texastrustcu.org 1,509M 0.10%
30 Sandia Area Credit Union NM http://www.sandia.org 833M 0.10%
31 1St Northern California Credit Union CA http://www.1stnorcalcu.org/ 809M 0.11%
32 Educational Employees Credit Union CA http://www.myeecu.org 3,849M 0.11%
33 Tlc Community Credit Union MI http://www.tlccu.org 616M 0.11%
34 Fibre Credit Union WA http://www.fibrecu.com 1,373M 0.11%
35 Apl Credit Union MD http://www.aplfcu.org 527M 0.11%
36 Bmi Credit Union OH http://www.bmifcu.org 584M 0.11%
37 Harborstone Credit Union WA http://www.harborstone.com 1,686M 0.11%
38 Lbs Financial Credit Union CA http://www.lbsfcu.org 1,731M 0.12%
39 Avadian Credit Union AL http://www.avadiancu.com 1,008M 0.12%
40 1St United Services Credit Union CA http://www.1stunitedcu.org 1,277M 0.12%
41 Selco Community Credit Union OR http://www.selco.org 2,085M 0.12%
42 Austin Telco Credit Union TX https://www.atfcu.org 2,074M 0.12%
43 Evansville Teachers Credit Union IN http://etfcu.org 2,248M 0.12%
44 Teachers Credit Union IN http://www.tcunet.com 3,881M 0.12%
45 Tyndall Credit Union FL http://www.tyndall.org 1,840M 0.13%
46 Johns Hopkins Credit Union MD http://www.jhfcu.org 530M 0.13%
47 Foothill Credit Union CA http://www.foothillcu.org 589M 0.13%
48 First Community Credit Union OR http://www.myfirstccu.org 1,461M 0.13%
49 Whitefish Credit Union Association Credit Union MT http://www.whitefishcu.com 1,748M 0.13%
50 First South Financial Credit Union TN http://www.firstsouth.com 700M 0.13%

 
On the contrary, a higher delinquency rate means the Credit Union holds more loans that are not past-due. These Credit Unions comes with high risk-pricing loans, which should be compensated with higher income.
 
Here is the list of 50 CUs with the highest delinquency ratio. 
 
Rank  CU Name State URL  Total Assets ( As on Sept 2020) Delinquency Ratio ( As on Sept 2020)
1 Quorum Credit Union NY http://quorumfcu.org 903M 5.05%
2 Proponent Credit Union NJ http://www.profcu.org 501M 3.12%
3 Marine Credit Union WI http://marinecu.com 963M 2.73%
4 Jovia Financial Credit Union NY http://www.joviafinancial.com 3,675M 2.29%
5 Members Choice Credit Union TX http://www.mccu.com 670M 2.25%
6 San Francisco Credit Union CA http://www.sanfranciscofcu.com 1,238M 2.22%
7 Philadelphia Credit Union PA http://www.pfcu.com 1,434M 2.20%
8 Visions Credit Union NY http://www.visionsfcu.org 5,005M 2.16%
9 Financial Resources Credit Union NJ http://www.myfinancialresources.org 507M 2.10%
10 Self Reliance Ny Credit Union NY http://www.selfrelianceny.org 1,436M 2.05%
11 Communitywide Credit Union IN http://www.comwide.com 523M 2.04%
12 Inova Credit Union IN http://www.inovafcu.org 508M 2.00%
13 Municipal Empl.Credit Union Of Balt Credit Union MD https://www.mecu.com 1,288M 1.94%
14 Georgia United Credit Union GA http://www.gucu.org 1,698M 1.92%
15 Premier America Credit Union CA http://www.premieramerica.com 3,133M 1.92%
16 Selfreliance Credit Union IL http://www.selfreliance.com 691M 1.88%
17 Skyone Credit Union CA http://www.skyone.org 583M 1.88%
18 Amplify Credit Union TX http://www.goamplify.com 1,090M 1.87%
19 Altaone Credit Union CA http://www.altaone.org 681M 1.81%
20 Hfs Credit Union HI http://hfsfcu.org 680M 1.79%
21 City Credit Union TX http://www.citycu.org 541M 1.72%
22 Texas Dow Employees Credit Union TX http://www.tdecu.org 4,037M 1.70%
23 First Entertainment Credit Union CA http://www.firstent.org 1,785M 1.64%
24 First Peoples Community Credit Union MD http://www.firstpeoples.com 525M 1.62%
25 Self-Help Credit Union NC http://www.self-help.org 1,245M 1.48%
26 State Employees' Credit Union NC http://www.ncsecu.org 45,852M 1.46%
27 City Of Boston Credit Union MA http://www.cityofbostoncu.com 519M 1.39%
28 United Credit Union MI https://www.unitedfcu.com 3,250M 1.35%
29 Scott Credit Union IL http://www.scu.org 1,404M 1.28%
30 4Front Credit Union MI http://www.4frontcu.com 702M 1.24%
31 The Police Credit Union CA http://www.thepolicecu.org 1,059M 1.23%
32 Bethpage Credit Union NY https://www.bethpagefcu.com 9,997M 1.23%
33 Local Government Credit Union NC http://www.lgfcu.org 2,667M 1.22%
34 First Community Credit Union ND https://www.myfccu.com 948M 1.20%
35 Sunmark Credit Union NY http://www.sunmarkfcu.org 806M 1.20%
36 Align Credit Union MA http://www.aligncu.com 715M 1.19%
37 Capital Credit Union ND http://capcu.org 609M 1.19%
38 1St Midamerica Credit Union IL http://www.1stmidamerica.org 807M 1.17%
39 First Source Credit Union NY http://www.fsource.org 747M 1.16%
40 Gather Credit Union HI http://www.gatherfcu.org 600M 1.14%
41 Lafayette Credit Union MD http://www.lfcu.org 836M 1.11%
42 Esl Credit Union NY http://esl.org 8,034M 1.10%
43 Mid-Hudson Credit Union NY http://mhvfcu.com 1,235M 1.10%
44 Chartway Credit Union VA https://www.chartway.com 2,353M 1.10%
45 Franklin Mint Credit Union PA http://www.fmfcu.org 1,372M 1.10%
46 Gte Credit Union FL http://www.gtefcu.org 2,458M 1.10%
47 United Heritage Credit Union TX http://www.uhcu.org 1,189M 1.10%
48 Pentagon Federal Credit Union VA http://www.penfed.org 26,257M 1.07%
49 Global Credit Union WA https://www.globalcu.org 514M 1.02%
50 Three Rivers Credit Union IN http://www.3riversfcu.org 1,671M 1.01%

Where spot does your credit union holds? It would be interesting to hear your views on the overall strategy of these credit unions, which have significantly lower delinquency ratios compared to average? 
 
For the credit unions, which are on the other side of the spectrum, what are they doing to reduce their delinquency ratio within reasonable limits? What are some of the specific areas that they should work on?
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