How Credit Unions Outperform Banks

Credit unions can establish an appropriate industry benchmark by comparing key financial ratios against their bank competitors.
Janet Lee

Hover over the graphics to see the data.

Delinquency And Net-Charge Off Comparisons

The credit union industry posted lower delinquency rates and net-charge off rates compared to the bank industry.

Data as of December 31, 2013, for all U.S. credit unions and banks
Source: Callahan & Associates Peer-to-Peer Analytics & FDIC

Credit Card Delinquency Trends

Credit card delinquency has declined at both credit unions and banks. The national credit union average of 93 basis points is 30 basis points lower than the national bank average.

Data as of December 31, 2013, for all U.S. credit unions and banks
Source: Callahan & Associates Peer-to-Peer Analytics & FDIC

Capital Ratio And Net Interest Margin Comparisons

Data as of December 31, 2013, for all U.S. credit unions and banks
Source: Callahan & Associates Peer-to-Peer Analytics & FDIC

Loan And Share Growth Comparisons

Credit unions and banks reported similar share growth in 2013, but credit unions 7.9% loan growth tripled the 2.6% bank average.

Data as of December 31, 2013, for all U.S. credit unions and banks
Source: Callahan & Associates Peer-to-Peer Analytics & FDIC

April 14, 2014

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