In Q3 2024, 4,215 banks held $23.49T in assets (— YoY) and 4,596 credit unions held $2.33T (—). Bank deposits were flat — against loans flat —; credit-union shares were flat — against loans flat —. The median bank earned a 3.40% net interest margin at a 67.7% efficiency ratio; the median credit union 3.47% at 78.4%. 250 banks and 689 credit unions reported a year-to-date loss.
| Metric | Banks | Δ YoY | Credit unions | Δ YoY |
|---|---|---|---|---|
| Institutions filing | 4,215 | — | 4,596 | — |
| Total assets | $23.49T | — | $2.33T | — |
| Asset growth YoY | — | — | — | — |
| Deposit growth YoY | — | — | — | — |
| Loan growth YoY | — | — | — | — |
| Net interest margin (median) | 3.40% | — | 3.47% | — |
| Cost of funds (median) | 2.17% | — | 1.20% | — |
| Efficiency ratio (median) | 67.66% | — | 78.42% | — |
| ROA (median) | 0.94% | — | 0.63% | — |
| Loan-to-deposit (median) | 79.62% | — | 71.62% | — |
| Capital ratio (median) | 10.63% | — | 12.08% | — |
| Nonperforming / delinquent (median) | 0.25% | — | 0.65% | — |
| Net charge-off rate (median) | 0.01% | — | 0.29% | — |
| Uninsured deposit share (median, banks) | 0.00% | — | n/a | — |
| Securities losses ÷ capital (median, banks) | 10.00% | — | n/a | — |
| Institutions losing money | 250 | — | 689 | — |
| Asset band | Institutions | Assets | Assets YoY | Deposits YoY | Loans YoY | NIM | Efficiency | ROA | Nonperforming | Losing money |
|---|---|---|---|---|---|---|---|---|---|---|
| <100M | 526 | $31.38B | — | — | — | 3.63% | 74.5% | 0.80% | 0.19% | 69 (13%) |
| 100M-500M | 1,896 | $458.06B | — | — | — | 3.48% | 68.6% | 0.94% | 0.22% | 128 (7%) |
| 500M-1B | 747 | $481.75B | — | — | — | 3.38% | 67.2% | 0.97% | 0.24% | 21 (3%) |
| 1B-10B | 886 | $2.24T | — | — | — | 3.21% | 64.8% | 0.94% | 0.30% | 28 (3%) |
| 10B+ | 160 | $20.28T | — | — | — | 3.17% | 57.2% | 1.01% | 0.43% | 4 (3%) |
| Asset band | Institutions | Assets | Assets YoY | Deposits YoY | Loans YoY | NIM | Efficiency | ROA | Nonperforming | Losing money |
|---|---|---|---|---|---|---|---|---|---|---|
| <100M | 2,496 | $71.53B | — | — | — | 3.77% | 78.1% | 0.71% | 0.66% | 398 (16%) |
| 100M-500M | 1,065 | $228.69B | — | — | — | 3.37% | 78.6% | 0.65% | 0.63% | 101 (9%) |
| 500M-1B | 282 | $188.03B | — | — | — | 3.13% | 79.6% | 0.50% | 0.70% | 35 (12%) |
| 1B-10B | 441 | $1.16T | — | — | — | 2.94% | 74.9% | 0.60% | 0.62% | 34 (8%) |
| 10B+ | 24 | $598.37B | — | — | — | 2.88% | 63.1% | 0.75% | 0.88% | 0 (0%) |
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