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 ↗
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 4248 banks' reported loan-to-share ratio values fell for 2026-03-31 — 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 |
|---|---|---|---|
| 2026-03-31 | 67.858 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 |
|---|---|---|---|---|---|---|
| 2026-03-31 | 4,248 | 34.62% | 50.09% | 67.86% | 82.73% | 92.27% |
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 |
|---|---|---|---|---|---|---|
| 2026-03-31 | 4248 | 34.62% | 50.09% | 67.86% | 82.73% | 92.27% |
Institution drilldown
Highest reported values
Institution drilldown
Lowest reported values
Institution discovery
Search verified rankings by quarter
0 matched institutions · selected period 2026-03-31
| 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.