Your Credit Union’s Financial Strength Page ContentWhether you are considering joining a credit union or are an existing member, you may have questions about the financial health of your credit union. NCUA makes financial information about credit unions available to the public through Financial Performance Reports (FPRs).The FPR is a financial analysis tool derived from balance sheet, income statement and statistical credit union data. The FPR is one tool NCUA, State Supervisory Authorities, and other interested parties may use to measure the financial performance of credit unions. The FPR provides a customized, multi-cycle picture of the financial trends and operating results for a credit union, or group of credit unions. The FPR may help users identify key trends, analyze past performance, and set future goals.NCUA produces the FPR from the quarterly Call Report data (NCUA form 5300) credit unions submit to NCUA. The FPR presents the data in the form of ratios, percentages, dollar amounts, and graphs for selected ratios. FPRs also present peer ratios for comparison to credit unions of similar asset size.How To Find an FPRFinancial Performance Reports are available to the public through NCUA's website.How To Interpret an FPR An FPR for a single credit union provides a credit union's financial and other trends over specified periods of time. FPRs for single credit unions show peer average ratios based on the credit union's asset size. Things to look for include:Peer Average Ratio - how the credit union compares to a group of federally insured credit unions of similar asset size. Percentile Rankings - how the credit union ranks in relation to the federal insured credit unions in its peer group in key area of financial performance. For example, a ranking of 75 means 25 percent of all federally insured credit unions in the peer group have the same or higher ratios and 75 percent have lower ratios. Net Worth - net worth in relation to total assets. Net worth cushions fluctuations in earnings, supports growth, and provides protection against insolvency. A capital level above 7 percent net worth is considered well-capitalized.Return on Average Assets – measures net income (loss) in relation to average assets and represents the bottom line. A positive ratio value shows that earnings cover the credit union’s expenses.Delinquency - measures delinquent loans in relation to total loans. This is an indicator of the effectiveness of delinquency control and quality of loans held in portfolio. Net Charge-Offs - measures net loan charge-offs in relation to average loans. Net loan charge-offs are an important indicator of the effectiveness of lending and collection practices.Report OptionsYou can request a 2-page summary for one credit union. This summary, available online, provides the Financial Summary and Ratio Analysis for five quarters. You will need to know the charter number of your credit union. For more detailed information, you can request Financial Performance Reports for a single credit union or for a report that aggregates data from multiple credit unions based on credit union information, such as region, state, or peer group. These reports will be emailed to you in Excel format. Additional Articles: What is a Credit Union?How is a Credit Union Different than a BankCredit Union and Bank Interest Rate ComparisonIs a Credit Union Right for Me?Credit Union LocatorHow to Find a Credit Union?How to Join a Credit Union? How to Start a Credit Union?Low Income Credit UnionsFederally vs. Privately Insured Credit UnionsShare Insurance Coverage – Are My Deposits Insured?