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NCUA has sliced and diced the 2015 results to show in which states credit unions are thriving…and not.
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Federally-insured credit unions in all fifty states showed positive median growth rates for loans, assets, shares and deposits in 2015, according to a new report released Friday by NCUA.

On a national basis, federally-insured credit unions delivered 4.0% median loan growth for the year (up from 3.8% in 2014), while median asset growth amounted to 3.3% (up from 2.0% in 2014), and median growth in shares and deposits clocked in at 3.6% (double the 1.8% figure from the prior year).

The median loan-to-share ratio was 62% at the end of the fourth quarter of 2015, up slightly from 61% a year earlier. The median total delinquency rate slipped to 0.8% from 0.9% in the year-ago period.
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Washington and Alaska

Drilling down into state-level data, credit unions in two states in the Pacific Northwest, Washington and Alaska, produced the highest median growth rates for loans — at 9.0% and 8.0%, respectively.
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Arkansas and Pennsylvania

On the other end of the spectrum, credit unions in Arkansas (0.1%) and Pennsylvania (0.7%) evinced the slowest median growth rate for loans.
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New Hampshire and Idaho

With respect to median asset growth, credit unions in New Hampshire (7.1%) and Idaho (7.0%) showed the highest rates.
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New Jersey and Delaware

Meanwhile, credit unions in the industrial Mid-Atlantic states of New Jersey (0.7%) and Delaware (1.2%), suffered the slowest growth rates.
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Idaho and New Hampshire

The median growth rate in shares and deposits was highest for credit unions in Idaho (7.5%) and New Hampshire (7.1%).
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Delaware and New Jersey

Again, credit unions in New Jersey (0.5%) and Delaware (1.2%) delivered the slowest growth rates in this category.
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Idaho and Alaska

The median loan-to-share ratio came in highest among credit unions in Idaho (88%) and Alaska (83%).
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Hawaii and Delaware

The median loan-to-share ratio was lowest for credit unions in Hawaii (43%) and Delaware (45%).
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New Jersey, Delaware and Washington, D.C.

The highest median delinquency rates were found in credit unions in New Jersey (1.6%), followed by Delaware and the District of Columbia (both 1.5%).
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North Dakota and South Dakota

The lowest median delinquency rates were reported at credit unions in North and South Dakota (both at 0.4%).
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Membership Growth

Although overall membership continued to grow, such growth was concentrated in larger credit unions. In addition, the median rate of membership growth was negative 0.2%, down slightly from negative 0.3% in the prior year.

Moreover, more than half (52%) of all federally insured credit unions in the country had fewer members than in the prior year — reflecting the fact that membership continues to decline at smaller credit unions. About three-fourths (75%) of credit unions which lost membership last year had less than $50 million in assets.
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Alaska, Idaho and Maine

State-wise, credit unions in Alaska (3.9%) showed the highest median membership growth rate, followed by credit unions in Idaho and Maine (both at 1.9%). NCUA noted that Alaska, Idaho and Maine all have small populations, which means rate of membership growth may be coming off a lower base than for more populous states.
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Pennsylvania

Median membership growth came in negative in twenty states, with credit unions in Pennsylvania (-2.1%) at the very bottom.
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Utah and North Dakota

The aggregate return-on-average-assets at federally insured credit unions was 75 basis points last year, down from 80 basis points in 2014. Still, the aggregate return-on-average-assets was positive in every state during 2015, with credit unions in Utah (134 basis points) showing the highest aggregate return, followed by North Dakota (109 basis points).
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New Jersey and Connecticut

On the other end, credit unions in New Jersey (21 basis points) and Connecticut (30 basis points) reported the lowest aggregate returns on average assets.
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