Earnings & efficiency · Versioned metric research
Return on assets (annualized, self-derived)
Federally insured credit unions. Self-derived by OptimaYield from year-to-date net income and quarter-end (not average) total assets; not an NCUA-published ratio. Source: NCUA 5300 Call Report quarterly data (ncua_5300). Open official FFIEC instructions ↗
In plain English
Return on assets (annualized, self-derived): what it shows
Net income for the year to date, annualized, divided by total assets for credit unions reporting to the NCUA. This version uses period-end assets.
Where reporting institutions stand now
As of Q2 2026, 4,214 credit unions reported a verified value for return on assets (annualized, self-derived). The median was 0.71%, the middle half of them fell between 0.30% and 1.16%, and the range from the 10th to the 90th percentile ran -0.17% to 1.65%.
Over the last four quarters the median moved from 0.71% in Q2 2025 to 0.71%, down 0.01 percentage points.
Across the 42 quarters on record, from Q1 2016, the median has ranged from 0.39% (Q1 2017) to 0.75% (Q3 2025).
Why it matters
Earnings are how a credit union builds capital, so return on assets shows how fast its cushion can grow.
How to read it
Compare with credit unions of similar size and over several quarters, since a single quarter can include one-time items.
What to watch for
Using period-end rather than average assets differs from the usual definition and can shift the figure for fast-growing credit unions.
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
FS220A ACCT_661A 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 return on assets (annualized, self-derived) 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
Return on assets (annualized, self-derived) — covered-bank median
View chart data as a table
| Period | Value | Revision | Event |
|---|---|---|---|
| 2016-09-30 | 0.438 percent | No marker | None |
| 2016-12-31 | 0.407 percent | No marker | None |
| 2017-03-31 | 0.387 percent | No marker | None |
| 2017-06-30 | 0.427 percent | No marker | None |
| 2017-09-30 | 0.461 percent | No marker | None |
| 2017-12-31 | 0.458 percent | No marker | None |
| 2018-03-31 | 0.533 percent | No marker | None |
| 2018-06-30 | 0.575 percent | No marker | None |
| 2018-09-30 | 0.658 percent | No marker | None |
| 2018-12-31 | 0.625 percent | No marker | None |
| 2019-03-31 | 0.608 percent | No marker | None |
| 2019-06-30 | 0.677 percent | No marker | None |
| 2019-09-30 | 0.697 percent | No marker | None |
| 2019-12-31 | 0.646 percent | No marker | None |
| 2020-03-31 | 0.456 percent | No marker | None |
| 2020-06-30 | 0.415 percent | No marker | None |
| 2020-09-30 | 0.451 percent | No marker | None |
| 2020-12-31 | 0.42 percent | No marker | None |
| 2021-03-31 | 0.433 percent | No marker | None |
| 2021-06-30 | 0.503 percent | No marker | None |
| 2021-09-30 | 0.592 percent | No marker | None |
| 2021-12-31 | 0.524 percent | No marker | None |
| 2022-03-31 | 0.456 percent | No marker | None |
| 2022-06-30 | 0.46 percent | No marker | None |
| 2022-09-30 | 0.532 percent | No marker | None |
| 2022-12-31 | 0.541 percent | No marker | None |
| 2023-03-31 | 0.646 percent | No marker | None |
| 2023-06-30 | 0.695 percent | No marker | None |
| 2023-09-30 | 0.703 percent | No marker | None |
| 2023-12-31 | 0.634 percent | No marker | None |
| 2024-03-31 | 0.577 percent | No marker | None |
| 2024-06-30 | 0.633 percent | No marker | None |
| 2024-09-30 | 0.659 percent | No marker | None |
| 2024-12-31 | 0.627 percent | No marker | None |
| 2025-03-31 | 0.633 percent | No marker | None |
| 2025-06-30 | 0.715 percent | No marker | None |
| 2025-09-30 | 0.752 percent | No marker | None |
| 2025-12-31 | 0.712 percent | No marker | None |
| 2026-03-31 | 0.651 percent | No marker | None |
| 2026-06-30 | 0.706 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
Return on assets (annualized, self-derived) 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 | -0.17% | 0.30% | 0.71% | 1.16% | 1.65% |
| 2026-03-31 | 4,249 | -0.33% | 0.23% | 0.65% | 1.12% | 1.64% |
| 2025-12-31 | 4,246 | -0.08% | 0.31% | 0.71% | 1.14% | 1.63% |
| 2025-09-30 | 4,240 | -0.07% | 0.34% | 0.75% | 1.21% | 1.75% |
| 2025-06-30 | 4,237 | -0.12% | 0.30% | 0.71% | 1.21% | 1.76% |
| 2025-03-31 | 4,232 | -0.27% | 0.21% | 0.63% | 1.15% | 1.76% |
| 2024-12-31 | 4,226 | -0.16% | 0.22% | 0.63% | 1.08% | 1.61% |
| 2024-09-30 | 4,222 | -0.17% | 0.25% | 0.66% | 1.18% | 1.73% |
| 2024-06-30 | 4,219 | -0.19% | 0.22% | 0.63% | 1.15% | 1.71% |
| 2024-03-31 | 4,216 | -0.29% | 0.16% | 0.58% | 1.12% | 1.74% |
| 2023-12-31 | 4,210 | -0.05% | 0.27% | 0.63% | 1.06% | 1.54% |
| 2023-09-30 | 4,204 | -0.02% | 0.33% | 0.70% | 1.14% | 1.60% |
| 2023-06-30 | 4,203 | -0.05% | 0.32% | 0.69% | 1.11% | 1.61% |
| 2023-03-31 | 4,200 | -0.15% | 0.25% | 0.65% | 1.08% | 1.56% |
| 2022-12-31 | 4,196 | -0.10% | 0.23% | 0.54% | 0.88% | 1.22% |
| 2022-09-30 | 4,192 | -0.17% | 0.21% | 0.53% | 0.87% | 1.26% |
| 2022-06-30 | 4,186 | -0.24% | 0.14% | 0.46% | 0.82% | 1.22% |
| 2022-03-31 | 4,186 | -0.32% | 0.10% | 0.46% | 0.86% | 1.33% |
| 2021-12-31 | 4,184 | -0.10% | 0.20% | 0.52% | 0.88% | 1.27% |
| 2021-09-30 | 4,181 | -0.09% | 0.24% | 0.59% | 0.99% | 1.37% |
| 2021-06-30 | 4,178 | -0.15% | 0.18% | 0.50% | 0.89% | 1.30% |
| 2021-03-31 | 4,177 | -0.25% | 0.11% | 0.43% | 0.82% | 1.26% |
| 2020-12-31 | 4,174 | -0.11% | 0.15% | 0.42% | 0.71% | 1.04% |
| 2020-09-30 | 4,170 | -0.10% | 0.18% | 0.45% | 0.77% | 1.13% |
| 2020-06-30 | 4,163 | -0.16% | 0.14% | 0.42% | 0.73% | 1.11% |
| 2020-03-31 | 4,161 | -0.22% | 0.15% | 0.46% | 0.80% | 1.19% |
| 2019-12-31 | 4,158 | 0.06% | 0.34% | 0.65% | 0.96% | 1.28% |
| 2019-09-30 | 4,156 | 0.13% | 0.39% | 0.70% | 1.02% | 1.39% |
| 2019-06-30 | 4,155 | 0.10% | 0.37% | 0.68% | 1.01% | 1.37% |
| 2019-03-31 | 4,152 | 0.02% | 0.29% | 0.61% | 0.98% | 1.35% |
| 2018-12-31 | 4,149 | 0.07% | 0.33% | 0.63% | 0.92% | 1.24% |
| 2018-09-30 | 4,142 | 0.09% | 0.36% | 0.66% | 0.96% | 1.30% |
| 2018-06-30 | 4,140 | 0.00% | 0.28% | 0.57% | 0.89% | 1.24% |
| 2018-03-31 | 4,134 | -0.05% | 0.23% | 0.53% | 0.89% | 1.25% |
| 2017-12-31 | 4,133 | -0.08% | 0.18% | 0.46% | 0.74% | 1.08% |
| 2017-09-30 | 4,126 | -0.09% | 0.20% | 0.46% | 0.76% | 1.13% |
| 2017-06-30 | 4,120 | -0.15% | 0.17% | 0.43% | 0.73% | 1.15% |
| 2017-03-31 | 4,113 | -0.21% | 0.11% | 0.39% | 0.72% | 1.12% |
| 2016-12-31 | 4,107 | -0.13% | 0.14% | 0.41% | 0.71% | 1.04% |
| 2016-09-30 | 4,106 | -0.10% | 0.16% | 0.44% | 0.75% | 1.09% |
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 | -0.17% | 0.30% | 0.71% | 1.16% | 1.65% |
| 2026-03-31 | 4249 | -0.33% | 0.23% | 0.65% | 1.12% | 1.64% |
| 2025-12-31 | 4246 | -0.08% | 0.31% | 0.71% | 1.14% | 1.63% |
| 2025-09-30 | 4240 | -0.07% | 0.34% | 0.75% | 1.21% | 1.75% |
| 2025-06-30 | 4237 | -0.12% | 0.30% | 0.71% | 1.21% | 1.76% |
| 2025-03-31 | 4232 | -0.27% | 0.21% | 0.63% | 1.15% | 1.76% |
| 2024-12-31 | 4226 | -0.16% | 0.22% | 0.63% | 1.08% | 1.61% |
| 2024-09-30 | 4222 | -0.17% | 0.25% | 0.66% | 1.18% | 1.73% |
| 2024-06-30 | 4219 | -0.19% | 0.22% | 0.63% | 1.15% | 1.71% |
| 2024-03-31 | 4216 | -0.29% | 0.16% | 0.58% | 1.12% | 1.74% |
| 2023-12-31 | 4210 | -0.05% | 0.27% | 0.63% | 1.06% | 1.54% |
| 2023-09-30 | 4204 | -0.02% | 0.33% | 0.70% | 1.14% | 1.60% |
| 2023-06-30 | 4203 | -0.05% | 0.32% | 0.69% | 1.11% | 1.61% |
| 2023-03-31 | 4200 | -0.15% | 0.25% | 0.65% | 1.08% | 1.56% |
| 2022-12-31 | 4196 | -0.10% | 0.23% | 0.54% | 0.88% | 1.22% |
| 2022-09-30 | 4192 | -0.17% | 0.21% | 0.53% | 0.87% | 1.26% |
| 2022-06-30 | 4186 | -0.24% | 0.14% | 0.46% | 0.82% | 1.22% |
| 2022-03-31 | 4186 | -0.32% | 0.10% | 0.46% | 0.86% | 1.33% |
| 2021-12-31 | 4184 | -0.10% | 0.20% | 0.52% | 0.88% | 1.27% |
| 2021-09-30 | 4181 | -0.09% | 0.24% | 0.59% | 0.99% | 1.37% |
| 2021-06-30 | 4178 | -0.15% | 0.18% | 0.50% | 0.89% | 1.30% |
| 2021-03-31 | 4177 | -0.25% | 0.11% | 0.43% | 0.82% | 1.26% |
| 2020-12-31 | 4174 | -0.11% | 0.15% | 0.42% | 0.71% | 1.04% |
| 2020-09-30 | 4170 | -0.10% | 0.18% | 0.45% | 0.77% | 1.13% |
| 2020-06-30 | 4163 | -0.16% | 0.14% | 0.42% | 0.73% | 1.11% |
| 2020-03-31 | 4161 | -0.22% | 0.15% | 0.46% | 0.80% | 1.19% |
| 2019-12-31 | 4158 | 0.06% | 0.34% | 0.65% | 0.96% | 1.28% |
| 2019-09-30 | 4156 | 0.13% | 0.39% | 0.70% | 1.02% | 1.39% |
| 2019-06-30 | 4155 | 0.10% | 0.37% | 0.68% | 1.01% | 1.37% |
| 2019-03-31 | 4152 | 0.02% | 0.29% | 0.61% | 0.98% | 1.35% |
| 2018-12-31 | 4149 | 0.07% | 0.33% | 0.63% | 0.92% | 1.24% |
| 2018-09-30 | 4142 | 0.09% | 0.36% | 0.66% | 0.96% | 1.30% |
| 2018-06-30 | 4140 | 0.00% | 0.28% | 0.57% | 0.89% | 1.24% |
| 2018-03-31 | 4134 | -0.05% | 0.23% | 0.53% | 0.89% | 1.25% |
| 2017-12-31 | 4133 | -0.08% | 0.18% | 0.46% | 0.74% | 1.08% |
| 2017-09-30 | 4126 | -0.09% | 0.20% | 0.46% | 0.76% | 1.13% |
| 2017-06-30 | 4120 | -0.15% | 0.17% | 0.43% | 0.73% | 1.15% |
| 2017-03-31 | 4113 | -0.21% | 0.11% | 0.39% | 0.72% | 1.12% |
| 2016-12-31 | 4107 | -0.13% | 0.14% | 0.41% | 0.71% | 1.04% |
| 2016-09-30 | 4106 | -0.10% | 0.16% | 0.44% | 0.75% | 1.09% |
| 2016-06-30 | 4104 | -0.13% | 0.15% | 0.43% | 0.75% | 1.11% |
| 2016-03-31 | 4103 | -0.16% | 0.13% | 0.40% | 0.74% | 1.12% |
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| Rank | Institution | FDIC | Value | Percentile |
|---|
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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.