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Credit quality improves at US credit unions, community banks in Q4'18

StreetTalk – Episode 70: Banks' Liquidity Conundrum Could Fuel M&A Activity

Street Talk Episode 70 - Banks' Liquidity Conundrum Could Fuel M&A Activity

StreetTalk – Episode 69: Banks left with pockets full of cash and few places to go

Street Talk – Episode 69: Banks left with pockets full of cash and few places to go

Credit quality improves at US credit unions, community banks in Q4'18

Both credit unions and community banks reported improved credit quality metrics year over year in the fourth quarter of 2018.

The net charge-off ratio at U.S. community banks fell 6 basis points year over year to 0.16%, while at credit unions it fell by 10 basis points to 0.60%.

As of Dec. 31, U.S. credit unions had $8.27 billion in nonperforming assets, down 5.2% year over year and equal to 0.56% of total assets, a 6-basis point improvement year over year. Meanwhile, U.S. community banks posted a 5.9% decrease in nonperforming assets, and the industry's nonperforming assets ratio dropped 11 basis points to approximately 0.84% of total assets.

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Click here to access a template that allows users to analyze key performance metrics, credit quality, balance sheets and income statements for banks and credit unions.

Information on past-due loans for banks, thrifts and credit unions can be found under the "Regulatory Financials" section on a company's page on MI website or in MI office.