US Credit Union Delinquency by Loan Type
US quarterly credit union delinquent loan balances by months past due and collateral type, from the NCUA.
| Indicator | Q2-2026 | Q1-2026 | Q4-2025 | Q3-2025 | Q2-2025 | Q1-2025 | Q4-2024 | Q3-2024 | Q2-2024 | Q1-2024 | Q4-2023 | Q3-2023 | Q2-2023 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total reportable delinquency (60 days or more)4 | 17,052.85 | 14,708.38 | 17,757.5 | 16,228.04 | 15,310.63 | 13,257.98 | 16,133.01 | 14,909.15 | 13,711.73 | 12,490.32 | 13,369.98 | 11,513.72 | 9,882.29 | |
| 60 to 89 days past due | 5,970.29 | 4,279.22 | 6,576.57 | 5,910.8 | 5,655.06 | 3,790.85 | 6,038.89 | 5,546.31 | 5,184.3 | 3,965.82 | 5,354.84 | 4,495.32 | 3,895.65 | |
| 90 to 179 days past due | 6,324.44 | 5,868.43 | 6,965.89 | 6,357.71 | 5,835.45 | 5,692.8 | 6,679.59 | 6,059.86 | 5,324.86 | 5,768.8 | 5,546.51 | 4,871.94 | 3,939.12 | |
| 180 to 359 days past due | 2,640.47 | 2,710.6 | 2,458.32 | 2,251.42 | 2,279.01 | 2,359.9 | 2,163.84 | 2,268.51 | 2,230.88 | 1,888.41 | 1,662.29 | 1,440.51 | 1,338.17 | |
| 360 days or more past due | 2,117.64 | 1,850.13 | 1,756.72 | 1,708.11 | 1,541.11 | 1,414.42 | 1,250.69 | 1,034.47 | 971.69 | 867.29 | 806.34 | 705.96 | 709.36 | |
| 30 to 59 days past due (memo, not in the total) | 13,696.61 | 19,893.54 | 19,977.8 | 14,497.89 | 14,219.39 | 18,488.02 | 18,891.21 | 14,037.04 | 14,038.6 | 16,347.09 | 17,628.86 | 12,344.66 | 10,733.34 | |
| Consumer loans in non-accrual status | 9,586.31 | 9,329.16 | 10,221.68 | 9,264.34 | 8,634.53 | 8,383.28 | 9,322.17 | 8,535.04 | 7,674.66 | 7,649.95 | 7,682.92 | 6,702.09 | 5,860.95 | |
| Commercial loans in non-accrual status | 2,667.95 | 2,319.38 | 2,207.53 | 2,100.8 | 1,864.69 | 1,828.33 | 1,644.37 | 1,667.62 | 1,604.77 | 1,472.1 | 1,042.44 | 795.49 | 711.09 | |
| By collateral type3 | ||||||||||||||
| Consumer loans8 | ||||||||||||||
| Used vehicle loans | 3,118.48 | 3,026.39 | 3,644.06 | 3,324.5 | 3,164.08 | 3,059.4 | 3,699.95 | 3,503.73 | 3,263.74 | 3,148.56 | 3,636.22 | 3,202.26 | 2,734.9 | |
| Unsecured credit card loans | 1,673.67 | 1,758.37 | 1,895.04 | 1,756.18 | 1,650.44 | 1,692.04 | 1,846.09 | 1,797.78 | 1,630.72 | 1,637.52 | 1,736.23 | 1,502.1 | 1,185.78 | |
| All other unsecured loans and credit lines | 1,120.99 | 1,137.06 | 1,266.15 | 1,199.19 | 1,154.57 | 1,140.53 | 1,295.35 | 1,281.52 | 1,216.16 | 1,226.28 | 1,282.99 | 1,186.9 | 1,061.28 | |
| New vehicle loans | 854.2 | 817.25 | 984.61 | 885.77 | 834.88 | 804.23 | 963.94 | 885.84 | 828.62 | 794.24 | 888.38 | 754.83 | 648.08 | |
| All other secured non-real-estate loans and credit lines | 719.3 | 728.01 | 810.14 | 728.43 | 705.62 | 716.03 | 816.74 | 715.5 | 680.74 | 677.91 | 725.33 | 611.81 | 525.52 | |
| Student loans not federally guaranteed | 74.17 | 73.37 | 75.87 | 70.59 | 73.42 | 72.16 | 78.43 | 77.75 | 70.08 | 74.1 | 76.19 | 73.79 | 65.66 | |
| Leases receivable | 22.03 | 19.39 | 23.22 | 23.43 | 21.67 | 20.89 | 24.9 | 25.98 | 26.92 | 28.46 | 29.69 | 28.75 | 26.09 | |
| Payday alternative loans | 6.79 | 6.17 | 6.56 | 5.61 | 4.85 | 4.88 | 6.13 | 6.07 | 4.97 | 4.9 | 5.67 | 5.25 | 4.07 | |
| Residential real estate3 | ||||||||||||||
| First mortgages on 1-4 family homes | 5,375.36 | 3,714.52 | 5,587.92 | 4,797.06 | 4,504.85 | 3,021.23 | 4,724.91 | 4,053.41 | 3,528.77 | 2,745.82 | 3,261.64 | 2,855.92 | 2,476.99 | |
| Junior liens on 1-4 family homes | 1,552.99 | 1,398.46 | 1,535.08 | 1,343.77 | 1,233.6 | 1,054.98 | 1,183.33 | 1,030.82 | 895.42 | 782.99 | 754.96 | 596 | 492.17 | |
| All other non-commercial real estate | 25.29 | 29.54 | 33.69 | 29.59 | 15.05 | 14.25 | 13.3 | 14.04 | 17.75 | 13.84 | 17.81 | 13.19 | 41.18 | |
| Commercial loans9 | ||||||||||||||
| Secured by non-owner-occupied property | 1,173.95 | 912.39 | 860.15 | 1,050.81 | 907.86 | 708.29 | 656.5 | 767.86 | 825.27 | 741.01 | 394.65 | 232.95 | 202.76 | |
| Secured by owner-occupied property | 423.48 | 303.69 | 324.57 | 294 | 320.68 | 292.21 | 278.88 | 240.82 | 220.04 | 189.53 | 171.9 | 148.56 | 102.46 | |
| Secured by multifamily property | 347.73 | 292.48 | 277.49 | 309.35 | 250.75 | 260.52 | 183.58 | 147.03 | 97.41 | 63.41 | 81.78 | 33.12 | 32.14 | |
| Commercial and industrial | 234.96 | 219.21 | 211.78 | 225.07 | 231.33 | 214.27 | 192.02 | 184.9 | 236.62 | 235.62 | 215.27 | 198.22 | 203.58 | |
| Construction and development | 208.12 | 174.81 | 125.03 | 108.74 | 161 | 113.84 | 115.96 | 116.13 | 110.6 | 64.25 | 46.65 | 28.64 | 22.73 | |
| Loans financing agriculture | 56.89 | 54.14 | 47.9 | 22.15 | 30.98 | 23.33 | 13.36 | 17.32 | 18.39 | 11.08 | 7.77 | 7.67 | 14.07 | |
| Secured by farmland | 38.73 | 22.51 | 26.99 | 31.11 | 27.06 | 24.5 | 20.18 | 22.82 | 23.34 | 32.05 | 23.1 | 20.88 | 27.97 | |
| Unsecured revolving commercial credit lines | 18.55 | 12.35 | 12.58 | 13.15 | 9.89 | 11.21 | 10.48 | 10.66 | 6.91 | 9.53 | 6.04 | 5.99 | 4.36 | |
| Unsecured commercial loans | 7.15 | 8.25 | 8.65 | 9.54 | 8.03 | 9.2 | 8.98 | 9.16 | 9.24 | 9.23 | 7.72 | 6.9 | 10.51 |
Latest reading
Total reportable delinquency (60 days or more) stood at 17,052.85 Million USD in Q2 2026. That is +15.9% from Q1 2026 and +11.4% from a year earlier. The series on this page is quarterly and runs from Q1 2022 to Q2 2026. Source: NCUA (National Credit Union Administration).
- Latest
- 17,052.85 Million USD
- Q2 2026
- vs previous period
- +15.9%
- Q1 2026
- vs a year earlier
- +11.4%
About this data
US quarterly credit union delinquent loan balances by months past due and collateral type, from the NCUA. This dataset covers total reportable delinquency and specific loan categories from 2022. Figures are reported in million USD from mandatory quarterly Call Reports filed by all federally insured credit unions.
Frequently asked questions
- What does the US credit union delinquency table measure?
- It measures delinquent loan balances across the entire United States credit union industry, classified by how many days the borrower is past due and by specific loan collateral types.
- How frequently is this credit union data released and what is the historical coverage?
- The data is published quarterly by the National Credit Union Administration, with series coverage beginning in the first quarter of 2022.
- Which loan breakdowns and delinquency buckets are available in the table?
- The table provides delinquency buckets ranging from 60 to 360 days or more past due, along with a memorandum 30 to 59 days bucket, broken down across consumer loans, vehicle loans, first mortgages, and commercial loans.
- How does reportable delinquency differ from earlier past-due metrics in this table?
- Reportable delinquency officially begins at 60 days or more past due and contributes to the total delinquency count, whereas loans 30 to 59 days past due are tracked strictly as a memorandum item outside that total.
