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A new report from NCUA finds that while loan growth went up during the first three months of 2015, credit union membership fell in 23 states. Here's a closer look and a state-by-state analysis of the data.

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Median loan growth at credit unions was 4% during the first quarter of the year, a lift from 2.7% nationally at the same point last year. Idaho and Arizona led the way with 13.4% growth and 9.6% loan growth, respectively, and no states were flat or shrank. Arkansas had the slowest median loan growth rate of 0.5%.
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Median loan-to-share ratios were up slightly at 59% for the end of Q1 compared to 57% at the same time last year. Idaho had the highest loan-to-share ratios (86%), with Wisconsin and Maine (78%) tied for second. Hawaii and Delaware saw the lowest numbers, both at 41%.
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Median asset growth rose from 1.5% in Q1 2014 to 1.8% for Q1 2015, with Alaska (5.6%) and Idaho (4.8%) leading the way, while New Jersey (negative 0.6%) and the District of Columbia (negative 0.2%) rounded out the bottom of the list.
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Delinquencies dropped slightly, from 0.8% in Q1 last year to 0.7% this year. Washington D.C. and New Jersey had the nation&'s worst delinquency rates (1.6% and 1.4%, respectively), while New Hampshire and North Dakota had virtually none (0.2% for both). In the case of North Dakota, much of the low delinquency rate can be chalked up to the state's oil boom, which has fueled credit union lending and brought unemployment rates there to some of the lowest nationwide.

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New membership continues to be primarily concentrated at larger credit unions, and the median membership growth rate was down by 0.4%. Overall, 53% of CUs lost members during the course of the year ending March 31, and 75% of those CUs had assets of less than $50 million. Twenty-three states saw declines in membership, with Pennsylvania and Virginia ranking lowest at a decline of 1.9%. Alaska and Idaho had the highest median membership growth rates — 3.1% and 1.9%, respectively.

Alaska (3.1%) had the highest median membership growth rate, followed by Idaho (1.9%). Median membership growth was negative in 23 states, with Pennsylvania and Virginia (both negative 1.9%) ranking lowest.

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Washington, D.C. had the ignominious position of holding down the bottom of a few lists, with the nation's highest median delinquency rate (1.6%) and the second-worst median asset growth figures (negative 0.2%).
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Idaho was No. 1 in several categories of data, including highest median loan growth rate (13.4%), highest median loan-to-share ratio (86%).
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Alaska led the way in median asset growth (5.6%) and median membership growth (3.1%).

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