Earnings & efficiency · Versioned metric research
Net interest margin (annualized, period-end assets)
Federally insured credit unions. Year-to-date net interest income, annualized, over quarter-end (not average) total assets; self-derived by OptimaYield, not an NCUA-published institution ratio. NCUA's system figures use average assets, so values read slightly differently (system net interest margin 3.41% on period-end vs NCUA's 3.44% on average, Q1 2026). Source: NCUA 5300 Call Report quarterly data (ncua_5300). Open official FFIEC instructions ↗
Calculation contract
(FS220A ACCT_115 - FS220A ACCT_350) x (12 / months in year-to-date) / FS220 ACCT_010
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 4214 banks' reported net interest margin (annualized, period-end assets) 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
Net interest margin (annualized, period-end assets) — covered-bank median
View chart data as a table
| Period | Value | Revision | Event |
|---|---|---|---|
| 2024-06-30 | 3.403 percent | No marker | None |
| 2024-09-30 | 3.471 percent | No marker | None |
| 2024-12-31 | 3.475 percent | No marker | None |
| 2025-03-31 | 3.526 percent | No marker | None |
| 2025-06-30 | 3.598 percent | No marker | None |
| 2025-09-30 | 3.672 percent | No marker | None |
| 2025-12-31 | 3.663 percent | No marker | None |
| 2026-03-31 | 3.65 percent | No marker | None |
| 2026-06-30 | 3.703 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
Net interest margin (annualized, period-end assets) 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 | 4,214 | 2.74% | 3.20% | 3.70% | 4.23% | 4.85% |
| 2026-03-31 | 4,249 | 2.68% | 3.15% | 3.65% | 4.19% | 4.81% |
| 2025-12-31 | 4,245 | 2.60% | 3.11% | 3.66% | 4.25% | 4.95% |
| 2025-09-30 | 4,240 | 2.63% | 3.12% | 3.67% | 4.27% | 4.96% |
| 2025-06-30 | 4,237 | 2.55% | 3.07% | 3.60% | 4.21% | 4.89% |
| 2025-03-31 | 4,232 | 2.48% | 2.99% | 3.53% | 4.14% | 4.82% |
| 2024-12-31 | 4,226 | 2.35% | 2.89% | 3.47% | 4.14% | 4.89% |
| 2024-09-30 | 4,222 | 2.36% | 2.89% | 3.47% | 4.15% | 4.89% |
| 2024-06-30 | 4,219 | 2.31% | 2.84% | 3.40% | 4.07% | 4.80% |
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 | 4214 | 2.74% | 3.20% | 3.70% | 4.23% | 4.85% |
| 2026-03-31 | 4249 | 2.68% | 3.15% | 3.65% | 4.19% | 4.81% |
| 2025-12-31 | 4245 | 2.60% | 3.11% | 3.66% | 4.25% | 4.95% |
| 2025-09-30 | 4240 | 2.63% | 3.12% | 3.67% | 4.27% | 4.96% |
| 2025-06-30 | 4237 | 2.55% | 3.07% | 3.60% | 4.21% | 4.89% |
| 2025-03-31 | 4232 | 2.48% | 2.99% | 3.53% | 4.14% | 4.82% |
| 2024-12-31 | 4226 | 2.35% | 2.89% | 3.47% | 4.14% | 4.89% |
| 2024-09-30 | 4222 | 2.36% | 2.89% | 3.47% | 4.15% | 4.89% |
| 2024-06-30 | 4219 | 2.31% | 2.84% | 3.40% | 4.07% | 4.80% |
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Highest reported values
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Lowest reported values
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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.