Community Chair

Top 50 Most and Least Delinquent Credit Unions

Posted by Medhavi Singla on June 7, 2020 at 3:33pm

Delinquency ratio is the number of past-due loans divided by the total number of current loans. It is an indicator of the quality of a bank's loan portfolio.

A lower delinquency rate signifies the higher quality of the loan portfolio; however, it may also mean that the credit union is very rigid with its underwriting policies.

Credit Unions with higher delinquency, on the contrary, comes with high risk-pricing loans, which should be compensated with higher income.

Here is a list of Top 50 Credit Unions with the lowest delinquency rate (size larger than $500M in asset) as per the 5300 Call Report for Dec 2019.

RANK CREDIT UNION NAME STATE URL DELINQUENCY RATIO (FOR 2019 Q4) TOTAL ASSET (IN MILLION $)
1 1ST NORTHERN CALIFORNIA CA http://www.1stnorcalcu.org/ 0.01% 728.22
2 MAYO EMPLOYEES MN http://www.mayocreditunion.org 0.02% 1,026.12
3 CALTECH EMPLOYEES CA http://www.cefcu.org 0.04% 1,795.38
4 STANFORD CA https://www.sfcu.org 0.05% 2,942.16
5 WESTMARK ID http://www.westmark.org 0.06% 869.31
6 SALAL WA http://www.salalcu.org 0.06% 737.19
7 STAR ONE CA http://www.starone.org 0.07% 9,073.67
8 PROVIDENT CA http://providentcu.org 0.07% 2,795.78
9 CREDIT UNION WEST AZ http://www.cuwest.org 0.08% 772.53
10 METRO MA http://www.metrocu.org 0.08% 2,092.36
11 AIR ACADEMY CO http://www.aafcu.com 0.09% 639.3
12 QUINCY MA http://www.qcu.org 0.09% 574.98
13 PACIFIC SERVICE CA http://www.pacificservice.org 0.10% 1,166.91
14 FIREFIGHTERS FIRST CA http://www.firefightersfirstcu.org 0.11% 1,488.66
15 MISSION CA http://www.missionfed.com 0.11% 3,856.22
16 SOUND WA https://www.soundcu.com 0.11% 1,839.70
17 CONNECTICUT STATE EMPLOYEES CT http://csecreditunion.com 0.13% 1,930.93
18 TEACHERS IN http://www.tcunet.com 0.13% 3,348.05
19 L & N KY http://www.lnfcu.com 0.14% 1,365.73
20 NATIONAL INSTITUTES OF HEALTH MD http://www.nihfcu.org 0.14% 669.34
21 LAKE MICHIGAN MI http://www.lmcu.org 0.14% 6,863.40
22 WHITEFISH CREDIT UNION ASSOCIATION MT http://www.whitefishcu.com 0.14% 1,543.96
23 SCHLUMBERGER EMPLOYEES TX http://www.secu.slb.com 0.14% 830.26
24 ELEVATIONS CO http://www.elevationscu.com 0.15% 2,213.51
25 TYNDALL FL http://www.tyndall.org 0.15% 1,634.28
26 EASTMAN TN http://www.ecu.org 0.15% 5,099.59
27 AMERICAN FIRST CA http://amerfirst.org 0.16% 783.77
28 ELEMENTS FINANCIAL IN http://www.elements.org 0.16% 1,687.71
29 ST. MARY'S MA http://www.stmaryscu.org 0.16% 877.85
30 SELCO COMMUNITY OR http://www.selco.org 0.16% 1,770.73
31 TEXAS TRUST TX http://www.texastrustcu.org 0.16% 1,344.03
32 HORIZON WA http://www.hzcu.org 0.16% 1,121.21
33 INDIANA MEMBERS IN http://www.imcu.org 0.17% 2,049.13
34 SPIRE MN http://www.myspire.com 0.17% 1,242.85
35 WEOKIE OK http://www.weokie.org 0.17% 1,188.47
36 TEXANS TX http://www.texanscu.org 0.17% 1,606.02
37 GREATER TEXAS TX http://www.gtfcu.org 0.17% 688.13
38 HARBORSTONE WA http://www.harborstone.com 0.17% 1,532.55
39 EDUCATIONAL EMPLOYEES CA http://www.myeecu.org 0.18% 3,213.87
40 COMMUNITY CHOICE IA http://comchoicecu.org 0.18% 550.22
41 TLC COMMUNITY MI http://www.tlccu.org 0.18% 525.01
42 ST. MARY'S BANK NH http://www.stmarysbank.com 0.19% 1,045.76
43 IDB GLOBAL DC http://www.idbglobalfcu.org 0.20% 586.63
44 DEPARTMENT OF COMMERCE DC http://www.docfcu.org 0.20% 529.37
45 UNITUS COMMUNITY OR http://www.unitusccu.com 0.20% 1,340.09
46 KNOXVILLE TVA EMPLOYEES TN http://www.tvacreditunion.com 0.20% 2,430.83
47 GOLDENWEST UT http://www.gwcu.org 0.20% 1,742.04
48 TRUSTONE FINANCIAL MN https://www.trustonefinancial.org 0.21% 1,553.65
49 NORTHEAST NH https://www.necu.org 0.21% 1,544.75
50 HOUSTON TX http://www.houstonfcu.org 0.21% 700.19

 

Here a list of Top 50 Credit Unions with the highest delinquency rate (size greater than $500M in asset) as per the 5300 Call Report for Dec 2019.

RANK CREDIT UNION NAME STATE URL DELINQUENCY RATIO (FOR 2019 Q4) TOTAL ASSET (IN MILLION $)
1 QUORUM NY http://quorumfcu.org 4.08% 841.25
2 MEMBERS CHOICE TX http://www.mccu.com 3.90% 609.03
3 MARINE WI http://marinecu.com 3.04% 857.61
4 CREDIT HUMAN TX https://www.credithuman.com 2.60% 3,210.47
5 ESL NY http://esl.org 2.05% 6,813.67
6 MUNICIPAL EMPL.CREDIT UNION OF BALT MD https://www.mecu.com 2.04% 1,197.66
7 STATE EMPLOYEES' NC http://www.ncsecu.org 1.92% 41,376.69
8 LOCAL GOVERNMENT NC http://www.lgfcu.org 1.89% 2,234.26
9 JEFFERSON FINANCIAL LA https://my.jeffersonfinancial.org/ 1.84% 882.18
10 HERITAGE FAMILY VT http://www.hfcuvt.com 1.83% 511.02
11 SKYONE CA http://www.skyone.org 1.66% 508.12
12 GATHER HI http://www.gatherfcu.org 1.56% 536.99
13 MAX AL http://www.mymax.com 1.55% 1,460.59
14 SELF-HELP NC http://www.self-help.org 1.53% 1,100.50
15 COMMUNITY FIRST CA http://www.comfirstcu.org 1.52% 546.01
16 COLLINS COMMUNITY IA http://www.collinscu.org 1.47% 1,233.41
17 ELGA MI http://www.elgacu.com 1.47% 794.13
18 DORT FINANCIAL MI http://dortonline.org 1.43% 1,005.50
19 UNIFY FINANCIAL CA http://www.unifyfcu.com 1.40% 3,052.78
20 LAFAYETTE MD http://www.lfcu.org 1.40% 681.42
21 MATANUSKA VALLEY AK http://www.mvfcu.coop 1.37% 558.28
22 GUARDIAN AL https://www.myguardiancu.com 1.37% 574.06
23 HFS HI http://hfsfcu.org 1.37% 595.9
24 CHARTWAY VA https://www.chartway.com 1.37% 2,173.64
25 I. H. MISSISSIPPI VALLEY IL http://www.ihmvcu.org 1.35% 1,474.94
26 AMERICA FIRST UT http://www.americafirst.com 1.34% 11,712.64
27 SELF RELIANCE NY NY http://www.selfrelianceny.org 1.33% 1,388.54
28 VISIONS NY http://www.visionsfcu.org 1.33% 4,274.93
29 SUN OH http://www.sunfederalcu.org 1.33% 532.59
30 FIRST SOURCE NY http://www.fsource.org 1.31% 656.26
31 GEORGIA UNITED GA http://www.gucu.org 1.30% 1,414.02
32 PHILADELPHIA PA http://www.pfcu.com 1.29% 1,210.84
33 ABOUND KY http://www.aboundcu.com 1.28% 1,660.16
34 LIBERTY BAY MA http://www.libertybaycu.org 1.24% 669.86
35 THE POLICE CA http://www.thepolicecu.org 1.23% 938.86
36 ALL IN AL http://www.allincu.com 1.22% 1,514.22
37 BETHPAGE NY https://www.bethpagefcu.com 1.22% 9,467.66
38 N C P D NY http://ncpdfcu.org 1.21% 764.86
39 SOUTHLAND CA http://www.southlandcu.org 1.20% 820.08
40 UNIVERSITY OF MICHIGAN MI http://www.umcu.org 1.20% 953.3
41 FIRST COMMUNITY ND https://www.myfccu.com 1.20% 850.2
42 TEXAS BAY TX http://www.tbacu.org 1.20% 501.81
43 VIRGINIA CREDIT UNION, INC., VA http://www.vacu.org 1.20% 3,729.41
44 NAVY FEDERAL CREDIT UNION VA https://www.navyfcu.org/ 1.20% 111,986.00
45 CONNEXUS WI http://www.connexuscu.org 1.19% 2,675.63
46 GTE FL http://www.gtefcu.org 1.18% 2,205.23
47 1ST MIDAMERICA IL http://www.1stmidamerica.org 1.18% 744.68
48 FINANCIAL PLUS MI https://www.myfpcu.com 1.18% 569.73
49 CENTRIS NE http://www.centrisfcu.org 1.18% 768.59
50 TULSA OK http://www.tulsafederalcu.org 1.17% 772.31

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?

E-mail me when people leave their comments –
Follow

You need to be a member of CULytics Community to add comments!

Join CULytics Community

 

advantedge
altair
ibi
arka
trellance
coopfs
dfa
wherescape
alkami
prismacampaigns
marquis
aiq
totex
cnet
datava
aun
cinch
know

Related Post

 

Ad Unit Settings






Ad Url Settings

 

api-lead-approach
the-amazon-lending-experience
executing-advanced-analytics-do-s-and-don-t
lending-transformation-old-vs-new
data-journey-building-strong-analytical-practices
4-step-iterative-process-building-a-relevant-analytics-practice
significant-measures-towards-new-normal
building-a-strong-analytics-practice-recipe-for-success
data-warehouse-evaluation-and-implementation
explainable-ai-trust-and-transparency
forecasting
top-50-members-using-transactional-website-jun-2020
top-50-cus-with-highest-and-lowest-efficiency-june-2020
importance-of-financial-risk-management
secret-sauce-for-long-term-sustainable-business-intelligence-succ
top-pfm-technologies
secret-sauce-for-long-term-sustainable-business-intelligence-succ
top-pfm-technologies
data-warehouse-and-bi-technologies-opportunities-challenges
top-chatbot-technologies
keys-to-building-an-effective-branch-or-atm-network
top-50-credit-unions-with-highest-and-lowest-accounts-per-member
lowest-and-highest-net-income-per-branch
marketing-holy-grail
top-50-most-and-least-delinquent-credit-unions
modern-marketing-technologies
incremental-low-cost-data-driven-wins
power-of-storytelling
the-cost-of-not-investing-in-data-governance
questions-you-should-ask-before-investing-in-data-warehouse
learnings-from-new-data-based-on-auto-loan-pricing
5-questions-you-need-to-ask-before-investing-in-data-governance
digital-marketing-maturity-models-for-credit-unions
marketing-expense-per-member
top-2-reasons-that-are-holding-credit-unions-back-when-they-are-i
using-data-analytics-to-manage-lending-complexity-while-driving-h
5-reasons-your-credit-union-should-invest-in-data-and-digital-now
top-50-most-and-least-efficient-credit-unions
retail-financial-services-outlook-during-covid-19
use-of-operational-analytics-to-mitigate-the-impact-of-covid-19
top-50-credit-unions-based-on-asset-size
cu-peer-comparison-dashboard
cu-peer-benchmark
all-about-machine-learning-engineering
top-web-design-trends
most-important-social-media-marketing-trends
state-of-digital-marketing-maturing-in-credit-unions
top-kpis-for-email-marketing
data-cloud-and-the-digital-transformation-imperative
digital-trinity-and-you
phases-of-financial-industry
analytics-roundtable-workshop
invitation-to-join-digital-transformation-hub
analytics-in-the-credit-union-business
value-of-member-centricity-and-analytics-in-the-growth-of-cus
all-about-membership-analytics
top-fraud-management-technologies
getting-started-with-your-data-analytics-journey
explore-vizualization-for-credit-unions
investment-in-website-personalization-technologies
data-analytics-supporting-cu-s-first-member-philosophy
loyalty-rewards-and-retention-technologies
member-experience-analytics
channel-analytics-and-its-importance
project-portfolio-management-technologies
investment-in-self-service-data-preparation-technologies
self-service-data-preparation-technologies
new-frontier-in-customer-experience-management
role-of-marketing-analytics-in-credit-unions
important-aspects-of-consumer-lending-analytics
kpis-on-website-analytics
journey-towards-bank-less-banking
investment-in-crm-technologies
top-omni-channel-vendors
conversational-banking-solutions
/top-kpis-for-chief-information-officer
mistakes-to-avoid-when-implementing-a-omnichannel-member
top-things-to-consider-when-building-dashboards
making-digital-marketing-more-agile-through-tag-managers
cecl-solution-providers
mistakes-to-avoid-while-implementing-marketing-automation
p2p-payment-integrated-solutions
kpis-for-social-media-tracking
kpis-for-human-resources-management
investment-in-fintechs-should-or-should-not
top-kpis-for-online-banking
investment-in-marketing-automation-technologies
investment-in-e-signature-technologies-should-or-should-not
tips-and-tricks-to-a-successful-bi-program
kpis-for-credit-card-business
kpis-for-digital-marketing
kpis-for-consumer-lending
hot-topics-for-credit-union-data-leaders
kpis-for-debt-collections
kpis-for-finance
website-personalization-tools
data-integration-technologies
robotic-process-automation-tools
why-data-analytics-initiatives-fail
electronic-signature-softwares
data-governance-tools-for-credit-unions
digital-and-mobile-banking-technologies
report-inconsistencies-are-frustrating
is-your-culture-ready-for-data-analytics
three-big-data-myths
turning-transaction-data-into-a-goldmine-a-becu-case-study
call-for-presentation-for-2019-credit-union-analytics-summit-is-n
top-10-keys-to-successful-data-analytics-practice
credit-union-chooses-accountscore-for-open-banking-transaction-da
how-much-do-you-spend-to-serve-a-customer
marketing-automation-technologies-for-credit-union
alexa-ask-first-abilene-fcu-for-my-balance
dataweb-content-management-technologies-for-credit-unions
efficiency-ratio
web-analytics-technologies
data-warehousing-software-for-banks
customer-experience-software
the-best-kept-secret-for-credit-union-data-analytics
mark-sievewright-on-technology-trends
naveen-jain-on-credit-union-analytics-summit-2018
why-analytics-doesn-t-make-a-difference-by-gary-angel
cuas2018-harnessing-the-right-data
build-a-financial-phone-assistant-for-your-credit-union-in-3-step
2018-culytics-analytics-challenge-winner
update-from-naveen
error-resolution
benefits-of-conversational-apps
who-are-your-most-valuable-members-part-1
how-alexa-can-help-your-credit-union
top-10-kpis-for-measuring-retail-channel-performance
how-much-is-too-much-personalization
top-10-kpis-for-measuring-contact-center-efficiency
pressure-on-margins-for-auto-loans-indirect-auto-loans-declining
best-business-intelligence-technologies-for-credit-unions
establishing-a-thriving-data-analytics-practice-is-a-journey
educational-presentations-from-the-2017-axfi-conference
modelling-alternatives-for-cecl-a-deep-future-analytics-study
data-analytics-use-cases-for-credit-unions-infographic
data-analytics-opportunities-in-credit-union-business
loan-application-analytics-with-cufx
machine-learning-delivers-great-consumer-experiences
deep-insights-of-credit-union-members-data-with-machine-learning
web-analytics-reporting-tips-for-credit-unions
big-data-strategy-roadmap-our-data-journey
webinar-framework-for-member-focused-decision-making
too-many-regulations-hurt-credit-union-members
digital-marketing-automation-solutions
online-banking-boom
transformation-transactions-to-relationships
top-dispute-management-technologies
2020-retail-trends
future-of-artificial-intelligence
2020-culytics-summit-attendee-dashboard
repositioning-the-role-of-marketing
marketing-automation-a-step-towards-marketing-transformation
strategic-agility
using-data-to-navigate-through-the-new-normal
digital-transformation-bcu
highest-and-lowest-new-loan-balances-per-branch-as-of-jun-2020
-new-members-ratio-as-of-june-2020
cus-with-highest-and-lowest-loan-grants-per-member-june-2020
self-service-data-preparation-technologies
highest-and-lowest-marketing-expense-per-member-june-2020
the-amazon-lending-experience
api-lead-approach
4-step-iterative-process-building-a-relevant-analytics-practice
data-journey-building-strong-analytical-practices
post-election-the-cu-outlook
most-and-least-delinquent-credit-unions-sept-2020
leveraging-ach-data-to-produce-real-outcomes
member-engagement-scores-benefits
member-engagement-key-to-serve-the-best
story-of-james-an-intelligence-transformation
executive-kpis-the-pulse-of-the-organization
untangling-member-journey
onboarding-strategy-to-deliver-success
the-importance-of-digital-technologies
top-interactive-financial-calculators
using-artificial-intelligence-to-improve-your-productivity
organizational-transformation-to-drive-growth
multi-year-journey-through-data-transformation
top-50-cus-with-the-highest-and-lowest-member-per-branch
digital-transformation-lessons-through-the-eyes-of-a-ceo
organizational-readiness-for-digital-transformation
ruthless-prioritization-to-do-more-to-learn-more-and-to-earn-more
performance-measures-for-digital-services
analytical-maturity-journey-towards-growth
less-is-more-the-necessity-of-focus-for-strategic-success
solving-the-crm-mrm-puzzle
insights-driven-messaging-member-and-product-onboarding
performance-measures-for-marketing
data-insights-that-drive-member-product-innovation
solving-the-crm-mrm-puzzle
the-agility-flywheel-a-strategy-that-never-goes-out-of-the-way
artificial-intelligence-as-a-playing-field-for-credit-unions
performance-measures-for-call-centers
top-automl-technologies
performance-measures-for-lending
building-business-case-for-data-analytics
driving-innovation-and-change
data-analyze-decide-and-create
digital-readiness-important-steps-to-achieve
digital-readiness-important-steps-to-achieve
enabling-credit-unions-with-ai
culytics-virtual-summit-2022-a-resounding-success
culytics-virtual-summit-2022-day-1
digital-banking-roundtable
digital-marketing-roundtable
transformative-lessons-from-a-chief-digital-officer
data-analytics-roundtable-mar-11
rewind-2022-culytics-day-key-highlights
data-analytics-team-roles
data-warehouse-development
data-analytics-team-size
is-your-data-analytics-program-not-delivering-results
active-deposit-management-for-profitable-growth
data-modeling
maximize-your-success-with-2023-CULytics-summit
biggest-opportunities-for-credit-unions
should-ceos-attend-the-culytics-summit
the-cost-of-a-wrong-decision
biggest-roadblocks-in-becoming-data-driven
a-journey-for-all-organizational-maturity-levels
maximize-your-data-analytics-checkup
navigating-the-data-analytics-landscape
improving-data-literacy
why-credit-union-leaders-should-invest-in-their-teams
why-credit-unions-should-not-invest-in-building-predictive-models
why-should-measure-the-success-of-data-analytics-program
cost-of-choosing-the-wrong-data-analytics-technology-stack
why-data-analytics-strategy-focus-on-supply-and-demand-side
kpis-to-measure-the-success-of-data-analytics-program
data-analytics-for-credit-union-branch-heads
data-organizing-principles
top-data-warehouse-storage-technologies
discover-the-hidden-truth-behind-watermelon-kpis
unveiling-the-hidden-dangers-of-cobra-effect-on-kpis
are-you-accurately-interpreting-your-kpi
unmasking-biases-a-guide-to-data-analysis-and-kpi-definition
uncover-the-power-of-proxy-kpis
unraveling-the-hidden-impact-of-sampling-bias-in-credit-unions
bi-department-structure
hidden-impact-of-confirmation-bias-in-credit-unions
getting-executive-attention-for-your-data-analytics-program
uncovering-biases-in-data-preprocessing
navigating-missing-data-in-credit-unions
navigating-sampling-bias-in-cu
unleash-the-power-of-real-time-data-use-cases
how-confirmation-bias-impacts-cus
breaking-down-selection-bias-in-credit-unions
unmasking-reporting-bias
elevate-your-cu-with-data-analytics-expertise
understanding-and-tackling-volunteer-bias-in-credit-unions
time-period-bias-in-credit-union
overcoming-biases-in-credit-unions
embracing-the-future-fast-future-fundamentals-program-equips-cred
unlock-growth-and-efficiency-credit-unions-guide-to-generative-ai
how-better-data-and-behavioral-biometrics-can-help-credit-unions-
harnessing-the-power-of-data-in-credit-unions
leveraging-third-party-data-a-strategic-guide-for-credit-unions
unlocking-member-insights-how-cus-can-leverage-third-party-data
enhancing-customer-experience-through-third-party-data
third-party-data-integration-techniques-and-technologies
the-future-of-lending-third-party-data-role-in-credit-decisioning
how-third-party-information-shapes-cu-strategies
using-data-to-improve-access-to-credit-for-low-income-members
designing-financial-products-for-low-income-members-using-data
measuring-and-enhancing-the-impact-of-support-programs
data-governance-why-selling-internally-is-important
selling-data-governance-in-your-credit-union
building-a-business-case-and-engaging-stakeholders
creating-a-data-governance-roadmap-and-executing-it
measuring-and-demonstrating-the-impact-of-data-governance
sustaining-momentum-keeping-data-governance-a-priority
overcoming-challenges-in-transaction-data-analysis-credit-unions
empowering-members-through-transaction-data
how-credit-unions-leverage-transaction-data-best-practices
unlocking-financial-independence-the-power-of-transaction-data
the-power-of-transaction-data-enrichment
avoid-financial-reputation-and-member-trust-issues
introduction-to-model-risk-management
week-1-mrm-a-practitioner-s-approach
week-2-guide-to-identifying-and-maintaining-models
survey-insights-navigating-mrm-in-credit-unions
week-3-application-of-mrm-insights-to-sound-model-development-eff
unlocking-the-secrets-to-attracting-gen-y-and-z
creating-a-seamless-member-experience-for-gen-y-and-gen-z
data-analytics-maturity-assessment-report
marketing-to-gen-y-and-z-strategies-that-work-for-credit-unions
the-imperative-of-engaging-millennials-and-gen-z
cu-build-lasting-relationships-with-gen-z-financial-literacy
how-social-responsibility-drives-gen-z-membership
loyalty-programs-that-work-keeping-gen-y-and-z-members-engaged
insights-on-engaging-millennials-and-gen-z-at-credit-union
ai-driven-member-experience
streamlining-operations-with-ai
innovation-and-member-inclusion-in-ai-credit-risk-models
ai-risk-management-enhancing-fraud-detection-and-cybersecurity
how-ai-is-transforming-data-analytics-for-credit-union
overcoming-ai-adoption-challenges-in-credit-unions
the-state-of-ai-in-credit-unions-survey-insights
creating-a-culture-of-innovation
building-the-foundation
closing-the-talent-gap
 
 

Links

Offering

CULytics Transformation Center