0.96% of loans at federally insured credit unions were 60 or more days past due at the end of June 2026, up from 0.90% a year earlier. Credit unions held $1.78 trillion in loans.
By state, North Carolina had the highest rate, 2.09%, followed by North Dakota (1.73%) and Kansas (1.71%). Rhode Island had the lowest, 0.39%.
States are counted by where the credit union is based
NCUA reports each credit union's loans in the state where it has its headquarters, not where its members live. A large credit union can therefore drive its home state's figure and carry loans made across the country. In North Carolina, State Employees’ CU holds 62% of credit union loans and has a delinquency rate of 2.38%. Navy Federal Credit Union, the largest in the country with members nationwide, is counted entirely in Virginia. In Kansas, where the rate rose from 0.77% a year earlier, CommunityAmerica Credit Union holds 46% of loans. Read these numbers as a measure of credit unions based in a state, not of borrowers living there. The table shows each state's largest credit union and its share so you can see how much one institution matters.
Delinquency by state
| State | Credit unions | Loans | Delinquency rate | June 2025 | Largest credit union | Its share of state loans | Its delinquency rate |
|---|---|---|---|---|---|---|---|
| North Carolina | 57 | $62.6B | 2.09% | 1.95% | State Employees' CU | 62% | 2.38% |
| North Dakota | 29 | $4.2B | 1.73% | 1.54% | First Community CU | 27% | 0.61% |
| Kansas | 62 | $13.9B | 1.71% | 0.77% | CommunityAmerica CU | 46% | 2.68% |
| New Hampshire | 12 | $11.4B | 1.46% | 0.79% | Service CU | 49% | 2.60% |
| Virginia | 95 | $204.9B | 1.40% | 1.41% | Navy Federal Credit Union | 71% | 1.58% |
| New Mexico | 37 | $14.3B | 1.34% | 1.34% | Nusenda CU | 24% | 0.79% |
| Alaska | 8 | $13.1B | 1.33% | 1.11% | Global CU | 80% | 1.42% |
| Nevada | 13 | $5.5B | 1.31% | 1.69% | Greater Nevada CU | 24% | 3.98% |
| Wyoming | 18 | $4.6B | 1.26% | 1.16% | Blue CU | 42% | 1.05% |
| Louisiana | 136 | $12.6B | 1.24% | 1.29% | Barksdale CU | 11% | 1.91% |
| New Jersey | 126 | $9.7B | 1.18% | 1.10% | Affinity CU | 40% | 0.93% |
| West Virginia | 74 | $2.9B | 1.15% | 1.02% | Bayer Heritage CU | 22% | 1.68% |
| Utah | 51 | $53.6B | 1.14% | 1.03% | Mountain America CU | 35% | 1.30% |
| Mississippi | 55 | $6.5B | 1.12% | 1.01% | Keesler CU | 56% | 1.04% |
| New York | 268 | $90.7B | 1.09% | 0.93% | Fourleaf CU | 13% | 2.23% |
| Iowa | 66 | $28.6B | 1.05% | 1.37% | Greenstate CU | 33% | 1.24% |
| Oregon | 47 | $27.8B | 0.96% | 0.90% | Onpoint Community CU | 23% | 0.98% |
| Nebraska | 50 | $5.1B | 0.95% | 1.11% | Centris CU | 24% | 1.53% |
| Texas | 380 | $116.3B | 0.94% | 0.91% | Randolph-Brooks CU | 11% | 1.27% |
| Maine | 48 | $9.4B | 0.93% | 0.80% | Atlantic Regional CU | 9% | 0.61% |
| Delaware | 15 | $2.0B | 0.93% | 1.16% | Del-One CU | 36% | 0.63% |
| Alabama | 88 | $23.4B | 0.92% | 0.83% | Redstone CU | 16% | 0.70% |
| Oklahoma | 52 | $13.6B | 0.91% | 1.03% | Tinker CU | 26% | 0.63% |
| Arkansas | 47 | $4.0B | 0.89% | 0.97% | Arkansas CU | 70% | 0.71% |
| South Dakota | 33 | $4.2B | 0.88% | 0.82% | Black Hills CU | 40% | 0.95% |
| Ohio | 192 | $34.8B | 0.88% | 0.81% | Wright-Patt Credit Union, Inc. | 20% | 1.10% |
| Vermont | 12 | $5.9B | 0.86% | 0.71% | Eastrise CU | 45% | 0.60% |
| Hawaii | 45 | $8.9B | 0.85% | 0.89% | Hawaiiusa CU | 18% | 0.39% |
| Illinois | 188 | $53.8B | 0.85% | 0.89% | Alliant CU | 30% | 0.81% |
| Kentucky | 51 | $12.0B | 0.84% | 0.78% | Commonwealth CU | 18% | 0.87% |
| Colorado | 62 | $43.5B | 0.83% | 0.64% | Wings CU | 37% | 0.64% |
| District of Columbia | 28 | $7.0B | 0.82% | 0.71% | Bank Fund Staff CU | 55% | 0.42% |
| VI | 5 | $0.1B | 0.81% | 0.76% | St. Thomas CU | 62% | 0.89% |
| Maryland | 60 | $28.5B | 0.80% | 0.80% | State Employees CU of Maryland, Inc CU | 16% | 0.86% |
| Michigan | 169 | $84.3B | 0.79% | 0.74% | Lake Michigan CU | 16% | 0.35% |
| Missouri | 87 | $13.6B | 0.78% | 0.73% | First Community CU | 24% | 0.54% |
| Florida | 107 | $92.1B | 0.78% | 0.66% | Suncoast CU | 18% | 0.92% |
| South Carolina | 45 | $17.4B | 0.77% | 0.86% | Founders CU | 24% | 0.68% |
| California | 239 | $221.5B | 0.77% | 0.69% | Schoolsfirst CU | 10% | 0.91% |
| Arizona | 33 | $22.9B | 0.75% | 0.58% | Desert Financial CU | 23% | 0.47% |
| Indiana | 121 | $35.8B | 0.75% | 0.71% | Everwise CU | 13% | 0.91% |
| Washington | 73 | $70.7B | 0.73% | 0.58% | Boeing Employees CU | 29% | 0.42% |
| Minnesota | 80 | $24.3B | 0.72% | 0.62% | Trustone Financial CU | 17% | 0.78% |
| Pennsylvania | 269 | $56.2B | 0.71% | 0.72% | Pennsylvania State Employees CU | 13% | 0.75% |
| Massachusetts | 121 | $33.2B | 0.68% | 0.79% | Rockland CU | 10% | 0.38% |
| Wisconsin | 98 | $58.8B | 0.68% | 0.71% | Summit CU | 12% | 0.65% |
| GU | 2 | $0.6B | 0.66% | 0.95% | Coast360 CU | 69% | 0.81% |
| Georgia | 71 | $26.0B | 0.59% | 0.63% | Delta Community CU | 26% | 0.22% |
| Connecticut | 64 | $8.9B | 0.56% | 0.57% | American Eagle Financial CU | 20% | 0.57% |
| Idaho | 26 | $22.0B | 0.55% | 0.55% | Idaho Central CU | 63% | 0.46% |
| Montana | 41 | $5.5B | 0.53% | 0.41% | Whitefish Credit Union Association | 26% | 0.15% |
| Tennessee | 125 | $36.2B | 0.53% | 0.50% | Eastman CU | 22% | 0.31% |
| PR | 4 | $1.0B | 0.46% | 0.49% | Caribe CU | 62% | 0.49% |
| Rhode Island | 14 | $9.4B | 0.39% | 0.40% | Navigant CU | 40% | 0.39% |
Delinquent loans are those 60 or more days past due, the standard NCUA measure, divided by total loans and leases. Data are from quarterly call reports for June 30, 2026 and June 30, 2025, covering all federally insured credit unions that filed. Includes the District of Columbia and U.S. territories where credit unions are based. Small states with few credit unions can move a lot from quarter to quarter.
Source
National Credit Union Administration, Credit Union Call Report Data, quarters ending June 30, 2026 and June 30, 2025, retrieved October 24, 2026. U.S. government data in the public domain. Our table is available under CC BY 4.0. Credit "My Credit Guide (mycreditguide.org)".
Steven Reynolds, "Credit Union Loan Delinquency by State, June 2026," My Credit Guide, October 24, 2026, https://mycreditguide.org/data/credit-union-delinquency-by-state/.