In Q4 2024, 4,219 banks held $23.42T in assets (— YoY) and 4,550 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 3.44% net interest margin at a 67.8% efficiency ratio; the median credit union 3.47% at 79.1%. 271 banks and 647 credit unions reported a year-to-date loss.
| Metric | Banks | Δ YoY | Credit unions | Δ YoY |
|---|---|---|---|---|
| Institutions filing | 4,219 | — | 4,550 | — |
| Total assets | $23.42T | — | $2.33T | — |
| Asset growth YoY | — | — | — | — |
| Deposit growth YoY | — | — | — | — |
| Loan growth YoY | — | — | — | — |
| Net interest margin (median) | 3.44% | — | 3.47% | — |
| Cost of funds (median) | 2.15% | — | 1.25% | — |
| Efficiency ratio (median) | 67.82% | — | 79.08% | — |
| ROA (median) | 0.94% | — | 0.60% | — |
| Loan-to-deposit (median) | 78.97% | — | 71.06% | — |
| Capital ratio (median) | 10.66% | — | 12.14% | — |
| Nonperforming / delinquent (median) | 0.26% | — | 0.69% | — |
| Net charge-off rate (median) | 0.02% | — | 0.31% | — |
| Uninsured deposit share (median, banks) | 0.00% | — | n/a | — |
| Securities losses ÷ capital (median, banks) | 13.20% | — | n/a | — |
| Institutions losing money | 271 | — | 647 | — |
| Asset band | Institutions | Assets | Assets YoY | Deposits YoY | Loans YoY | NIM | Efficiency | ROA | Nonperforming | Losing money |
|---|---|---|---|---|---|---|---|---|---|---|
| <100M | 529 | $31.61B | — | — | — | 3.62% | 75.6% | 0.78% | 0.15% | 80 (15%) |
| 100M-500M | 1,897 | $462.02B | — | — | — | 3.52% | 68.9% | 0.94% | 0.23% | 132 (7%) |
| 500M-1B | 747 | $485.57B | — | — | — | 3.43% | 66.6% | 0.99% | 0.25% | 25 (3%) |
| 1B-10B | 886 | $2.26T | — | — | — | 3.25% | 64.6% | 0.94% | 0.32% | 29 (3%) |
| 10B+ | 160 | $20.18T | — | — | — | 3.19% | 57.4% | 1.03% | 0.47% | 5 (3%) |
| Asset band | Institutions | Assets | Assets YoY | Deposits YoY | Loans YoY | NIM | Efficiency | ROA | Nonperforming | Losing money |
|---|---|---|---|---|---|---|---|---|---|---|
| <100M | 2,497 | $71.84B | — | — | — | 3.75% | 79.5% | 0.64% | 0.69% | 375 (15%) |
| 100M-500M | 1,067 | $230.39B | — | — | — | 3.39% | 78.7% | 0.65% | 0.66% | 94 (9%) |
| 500M-1B | 282 | $188.73B | — | — | — | 3.15% | 79.9% | 0.50% | 0.73% | 34 (12%) |
| 1B-10B | 442 | $1.17T | — | — | — | 2.98% | 75.4% | 0.58% | 0.68% | 34 (8%) |
| 10B+ | 24 | $593.10B | — | — | — | 2.81% | 63.2% | 0.64% | 0.96% | 1 (4%) |
The screener filters every one of these institutions by state, size and ratio; pending deals and deposit markets show where the change is happening.
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