Lending & concentration · Versioned metric research
Loan-to-share ratio
Federally insured credit unions. Quarter-end balances; total loans and leases over total shares and deposits. Source: NCUA 5300 Call Report quarterly data (ncua_5300). Open official FFIEC instructions ↗
In plain English
Loan-to-share ratio: what it shows
Total loans divided by total shares, which are the deposits credit union members hold.
Where reporting institutions stand now
As of Q2 2026, 4,212 credit unions reported a verified value for loan-to-share ratio. The median was 68.7%, the middle half of them fell between 50.4% and 84.1%, and the range from the 10th to the 90th percentile ran 34.6% to 93.7%.
Over the last four quarters the median moved from 70.0% in Q2 2025 to 68.7%, down 1.30 percentage points.
Across the 42 quarters on record, from Q1 2016, the median has ranged from 56.9% (Q1 2022) to 72.3% (Q3 2019).
Why it matters
It is the credit union counterpart of the loan-to-deposit ratio: how much of member deposits has been lent out.
How to read it
A higher ratio means more lending and less liquidity cushion. Compare with credit unions of similar size.
What to watch for
The ratio ignores borrowings and the stability of the shares.
Common questions
- Is a higher value better?
- Higher or lower is not good or bad on its own: it depends on the bank's business model, size and market, so compare a bank with similar institutions.
- How often does this metric update?
- Quarterly. Credit unions file the NCUA 5300 Call Report after each quarter ends, and the figures here update when that data is loaded.
Related: Browse credit unions
Calculation contract
FS220 ACCT_025B / FS220 ACCT_018
Source schedule: Not derivable from this formula
Null policy: abstain if missing
Effective: 2026-03-31 to current
Percentiles describe position, not merit.
P10 through P90 below mark where 4212 banks' reported loan-to-share ratio values fell for 2026-06-30 — the median (P50) splits that group in half; it is not a target. The trend chart above follows that median quarter to quarter, and the distribution chart traces the full P10–P90 band. A higher or lower reported value is not labeled favorable or unfavorable here — that depends on the metric, the institution's business model, and context this page does not assert.
Accessible line chart
Loan-to-share ratio — covered-bank median
View chart data as a table
| Period | Value | Revision | Event |
|---|---|---|---|
| 2016-09-30 | 64.281 percent | No marker | None |
| 2016-12-31 | 65.139 percent | No marker | None |
| 2017-03-31 | 63.187 percent | No marker | None |
| 2017-06-30 | 64.787 percent | No marker | None |
| 2017-09-30 | 66.372 percent | No marker | None |
| 2017-12-31 | 67.556 percent | No marker | None |
| 2018-03-31 | 65.799 percent | No marker | None |
| 2018-06-30 | 67.981 percent | No marker | None |
| 2018-09-30 | 70.515 percent | No marker | None |
| 2018-12-31 | 71.663 percent | No marker | None |
| 2019-03-31 | 69.897 percent | No marker | None |
| 2019-06-30 | 71.069 percent | No marker | None |
| 2019-09-30 | 72.26 percent | No marker | None |
| 2019-12-31 | 72.144 percent | No marker | None |
| 2020-03-31 | 69.158 percent | No marker | None |
| 2020-06-30 | 64.016 percent | No marker | None |
| 2020-09-30 | 63.526 percent | No marker | None |
| 2020-12-31 | 61.825 percent | No marker | None |
| 2021-03-31 | 57.731 percent | No marker | None |
| 2021-06-30 | 58.241 percent | No marker | None |
| 2021-09-30 | 58.256 percent | No marker | None |
| 2021-12-31 | 58.007 percent | No marker | None |
| 2022-03-31 | 56.92 percent | No marker | None |
| 2022-06-30 | 59.336 percent | No marker | None |
| 2022-09-30 | 62.173 percent | No marker | None |
| 2022-12-31 | 65.338 percent | No marker | None |
| 2023-03-31 | 66.107 percent | No marker | None |
| 2023-06-30 | 68.746 percent | No marker | None |
| 2023-09-30 | 70.938 percent | No marker | None |
| 2023-12-31 | 71.966 percent | No marker | None |
| 2024-03-31 | 70.447 percent | No marker | None |
| 2024-06-30 | 71.489 percent | No marker | None |
| 2024-09-30 | 71.888 percent | No marker | None |
| 2024-12-31 | 71.287 percent | No marker | None |
| 2025-03-31 | 69.153 percent | No marker | None |
| 2025-06-30 | 70.001 percent | No marker | None |
| 2025-09-30 | 70.462 percent | No marker | None |
| 2025-12-31 | 69.703 percent | No marker | None |
| 2026-03-31 | 67.858 percent | No marker | None |
| 2026-06-30 | 68.7 percent | No marker | None |
Source: FFIEC Call Reports; OptimaYield versioned semantic layer. Color is supplemented by shape and labels; reduced-motion users receive no chart animation.
Historical distribution
Loan-to-share ratio across covered banks
Median with interquartile and P10–P90 ranges across verified observations.
View distribution data as a table
| Period | Population | P10 | P25 | Median | P75 | P90 |
|---|---|---|---|---|---|---|
| 2026-06-30 | 4,212 | 34.57% | 50.43% | 68.70% | 84.11% | 93.75% |
| 2026-03-31 | 4,248 | 34.62% | 50.09% | 67.86% | 82.73% | 92.27% |
| 2025-12-31 | 4,244 | 36.09% | 52.09% | 69.70% | 84.64% | 94.35% |
| 2025-09-30 | 4,237 | 36.55% | 52.86% | 70.46% | 85.33% | 94.98% |
| 2025-06-30 | 4,234 | 36.77% | 52.13% | 70.00% | 84.57% | 94.12% |
| 2025-03-31 | 4,229 | 36.08% | 51.82% | 69.15% | 83.37% | 92.97% |
| 2024-12-31 | 4,224 | 37.81% | 53.74% | 71.29% | 85.85% | 95.39% |
| 2024-09-30 | 4,219 | 37.61% | 54.29% | 71.89% | 86.67% | 96.12% |
| 2024-06-30 | 4,214 | 37.35% | 53.65% | 71.49% | 86.75% | 96.22% |
| 2024-03-31 | 4,214 | 36.70% | 52.61% | 70.45% | 85.71% | 95.39% |
| 2023-12-31 | 4,210 | 37.29% | 53.52% | 71.97% | 88.00% | 98.03% |
| 2023-09-30 | 4,204 | 36.16% | 52.17% | 70.94% | 87.19% | 97.82% |
| 2023-06-30 | 4,203 | 34.30% | 50.01% | 68.75% | 85.48% | 96.94% |
| 2023-03-31 | 4,198 | 32.61% | 47.39% | 66.11% | 83.23% | 94.59% |
| 2022-12-31 | 4,193 | 32.01% | 46.93% | 65.34% | 82.98% | 95.45% |
| 2022-09-30 | 4,190 | 30.23% | 44.41% | 62.17% | 79.85% | 92.97% |
| 2022-06-30 | 4,186 | 28.77% | 42.44% | 59.34% | 76.13% | 89.81% |
| 2022-03-31 | 4,185 | 27.80% | 40.95% | 56.92% | 72.57% | 84.80% |
| 2021-12-31 | 4,183 | 28.96% | 42.04% | 58.01% | 73.33% | 84.80% |
| 2021-09-30 | 4,180 | 29.46% | 42.09% | 58.26% | 73.22% | 84.85% |
| 2021-06-30 | 4,178 | 29.13% | 42.16% | 58.24% | 72.76% | 83.77% |
| 2021-03-31 | 4,177 | 29.39% | 41.75% | 57.73% | 71.24% | 81.94% |
| 2020-12-31 | 4,174 | 31.72% | 45.17% | 61.83% | 75.82% | 86.24% |
| 2020-09-30 | 4,169 | 32.76% | 46.31% | 63.53% | 77.48% | 87.46% |
| 2020-06-30 | 4,163 | 33.42% | 47.40% | 64.02% | 77.86% | 87.60% |
| 2020-03-31 | 4,161 | 36.60% | 51.36% | 69.16% | 83.20% | 92.38% |
| 2019-12-31 | 4,158 | 37.90% | 53.89% | 72.14% | 86.92% | 96.10% |
| 2019-09-30 | 4,156 | 38.20% | 53.78% | 72.26% | 87.38% | 96.46% |
| 2019-06-30 | 4,153 | 37.56% | 52.70% | 71.07% | 86.49% | 95.83% |
| 2019-03-31 | 4,150 | 36.73% | 51.26% | 69.90% | 85.17% | 94.50% |
| 2018-12-31 | 4,148 | 37.50% | 52.79% | 71.66% | 88.05% | 97.88% |
| 2018-09-30 | 4,141 | 36.92% | 51.56% | 70.51% | 87.04% | 97.40% |
| 2018-06-30 | 4,140 | 35.23% | 50.01% | 67.98% | 84.63% | 95.38% |
| 2018-03-31 | 4,134 | 34.26% | 48.44% | 65.80% | 82.10% | 92.67% |
| 2017-12-31 | 4,132 | 35.44% | 49.95% | 67.56% | 84.49% | 95.28% |
| 2017-09-30 | 4,125 | 34.97% | 49.04% | 66.37% | 83.38% | 94.49% |
| 2017-06-30 | 4,120 | 33.83% | 47.75% | 64.79% | 81.26% | 93.02% |
| 2017-03-31 | 4,113 | 33.26% | 46.46% | 63.19% | 79.44% | 89.97% |
| 2016-12-31 | 4,107 | 34.40% | 48.39% | 65.14% | 81.66% | 92.29% |
| 2016-09-30 | 4,106 | 33.78% | 47.81% | 64.28% | 80.99% | 91.57% |
Source: FFIEC Call Reports; OptimaYield versioned semantic layer. Population can change with filings, failures, mergers and eligibility. Missing values are excluded, never converted to zero.
Current distribution
Percentile history
Percentiles exclude unavailable values; they do not convert missing observations to zero.
| Period | Population | P10 | P25 | Median | P75 | P90 |
|---|---|---|---|---|---|---|
| 2026-06-30 | 4212 | 34.57% | 50.43% | 68.70% | 84.11% | 93.75% |
| 2026-03-31 | 4248 | 34.62% | 50.09% | 67.86% | 82.73% | 92.27% |
| 2025-12-31 | 4244 | 36.09% | 52.09% | 69.70% | 84.64% | 94.35% |
| 2025-09-30 | 4237 | 36.55% | 52.86% | 70.46% | 85.33% | 94.98% |
| 2025-06-30 | 4234 | 36.77% | 52.13% | 70.00% | 84.57% | 94.12% |
| 2025-03-31 | 4229 | 36.08% | 51.82% | 69.15% | 83.37% | 92.97% |
| 2024-12-31 | 4224 | 37.81% | 53.74% | 71.29% | 85.85% | 95.39% |
| 2024-09-30 | 4219 | 37.61% | 54.29% | 71.89% | 86.67% | 96.12% |
| 2024-06-30 | 4214 | 37.35% | 53.65% | 71.49% | 86.75% | 96.22% |
| 2024-03-31 | 4214 | 36.70% | 52.61% | 70.45% | 85.71% | 95.39% |
| 2023-12-31 | 4210 | 37.29% | 53.52% | 71.97% | 88.00% | 98.03% |
| 2023-09-30 | 4204 | 36.16% | 52.17% | 70.94% | 87.19% | 97.82% |
| 2023-06-30 | 4203 | 34.30% | 50.01% | 68.75% | 85.48% | 96.94% |
| 2023-03-31 | 4198 | 32.61% | 47.39% | 66.11% | 83.23% | 94.59% |
| 2022-12-31 | 4193 | 32.01% | 46.93% | 65.34% | 82.98% | 95.45% |
| 2022-09-30 | 4190 | 30.23% | 44.41% | 62.17% | 79.85% | 92.97% |
| 2022-06-30 | 4186 | 28.77% | 42.44% | 59.34% | 76.13% | 89.81% |
| 2022-03-31 | 4185 | 27.80% | 40.95% | 56.92% | 72.57% | 84.80% |
| 2021-12-31 | 4183 | 28.96% | 42.04% | 58.01% | 73.33% | 84.80% |
| 2021-09-30 | 4180 | 29.46% | 42.09% | 58.26% | 73.22% | 84.85% |
| 2021-06-30 | 4178 | 29.13% | 42.16% | 58.24% | 72.76% | 83.77% |
| 2021-03-31 | 4177 | 29.39% | 41.75% | 57.73% | 71.24% | 81.94% |
| 2020-12-31 | 4174 | 31.72% | 45.17% | 61.83% | 75.82% | 86.24% |
| 2020-09-30 | 4169 | 32.76% | 46.31% | 63.53% | 77.48% | 87.46% |
| 2020-06-30 | 4163 | 33.42% | 47.40% | 64.02% | 77.86% | 87.60% |
| 2020-03-31 | 4161 | 36.60% | 51.36% | 69.16% | 83.20% | 92.38% |
| 2019-12-31 | 4158 | 37.90% | 53.89% | 72.14% | 86.92% | 96.10% |
| 2019-09-30 | 4156 | 38.20% | 53.78% | 72.26% | 87.38% | 96.46% |
| 2019-06-30 | 4153 | 37.56% | 52.70% | 71.07% | 86.49% | 95.83% |
| 2019-03-31 | 4150 | 36.73% | 51.26% | 69.90% | 85.17% | 94.50% |
| 2018-12-31 | 4148 | 37.50% | 52.79% | 71.66% | 88.05% | 97.88% |
| 2018-09-30 | 4141 | 36.92% | 51.56% | 70.51% | 87.04% | 97.40% |
| 2018-06-30 | 4140 | 35.23% | 50.01% | 67.98% | 84.63% | 95.38% |
| 2018-03-31 | 4134 | 34.26% | 48.44% | 65.80% | 82.10% | 92.67% |
| 2017-12-31 | 4132 | 35.44% | 49.95% | 67.56% | 84.49% | 95.28% |
| 2017-09-30 | 4125 | 34.97% | 49.04% | 66.37% | 83.38% | 94.49% |
| 2017-06-30 | 4120 | 33.83% | 47.75% | 64.79% | 81.26% | 93.02% |
| 2017-03-31 | 4113 | 33.26% | 46.46% | 63.19% | 79.44% | 89.97% |
| 2016-12-31 | 4107 | 34.40% | 48.39% | 65.14% | 81.66% | 92.29% |
| 2016-09-30 | 4106 | 33.78% | 47.81% | 64.28% | 80.99% | 91.57% |
| 2016-06-30 | 4104 | 33.50% | 47.39% | 63.57% | 79.66% | 91.53% |
| 2016-03-31 | 4103 | 33.03% | 46.29% | 62.36% | 78.14% | 89.83% |
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0 matched institutions · selected period 2026-06-30
| Rank | Institution | FDIC | Value | Percentile |
|---|
No verified institution matched this search.
Related metrics
Other definitions from the same schedule or domain
Grouped by shared source schedule where derivable, otherwise by the same analytical domain — not a claim of statistical correlation.
Reported values and deterministic derived observations are research inputs, not ratings or predictions. Cohort composition changes over time; use peer reports for a controlled cohort comparison.