Federally insured credit unions saw median loan growth of 4 percent during the 12-month period ending June 30, according to state-level data compiled by the National Credit Union Administration.

Nationally, median growth in assets and in shares and deposits were up moderately from the 12-month period ending in June 2014, while median delinquency rates declined slightly. 

Credit unions’ aggregate return on average assets in the first half of 2015 held steady from the same period a year ago. Credit union membership increased over the year, concentrated in larger credit unions. Overall, 52 percent of federally insured credit unions had fewer members at the end of the 2015 second quarter than a year earlier.

While the median growth in loans outstanding was 4 percent nationwide, the highest median growth rates for loans were in Alaska, at 13.4 percent, and Idaho, at 11.3 percent. In Washington state, median loan came in at 7 percent, the eighth highest growth rate among all states. 

Arkansas was the only state in which median loan growth was negative, at -1.2 percent.

Nationally, the median ratio of loans outstanding to total shares and deposits was 60 percent at the end of the second quarter of 2015, compared to 58 percent at the end of the second quarter of 2014. The median loan-to-share ratio was highest among credit unions in Idaho (87 percent) and Maine (79 percent). The median loan-to-share ratio was lowest in Hawaii (41 percent) and Delaware (44 percent).

In Washington, the median loan-to-share ratio came in at 72 percent, eighth highest among the 50 states. 

Median asset growth was 1.9 percent nationally in the 12-month period ending in June, up from 1.3 percent a year earlier. Median asset growth was highest in Idaho, at 6.9 percent, followed by Alaska, at 5.5 percent. Washington ranked sixth highest, with 4.1 percent asset growth. 

Median assets declined in two states, New Jersey (-0.5 percent) and Pennsylvania (-0.2 percent). 

Nationally, the annualized aggregate return on average assets at federally insured credit unions was 81 basis points during the first half of 2015, matching the aggregate return on average assets from a year earlier. The aggregate return on average assets was positive in every state during the first half of this year.

Utah, at 140 basis points, had the highest aggregate return, followed by Washington, at 110 basis points. Idaho finished close behind, ranking sixth with 105 basis points.

New Jersey, at 23 basis points, and Connecticut, at 34 basis points, posted the lowest returns on average assets.

Nationally, federally insured credit unions’ median growth rate for shares and deposits was 1.8 percent in the 12-month period ending in June, up from 1.2 percent during the previous year. New Hampshire, at 5.6 percent, and Alaska, at 5.1 percent, showed the highest median growth rates for shares and deposits. Idaho ranked fourth, with 5 percent median growth, and Washington came in at ninth, with 3.7 percent median growth.

At the median, shares and deposits fell in New Jersey (-0.7 percent), the District of Columbia (-0.4 percent), Delaware (-0.4 percent) and Pennsylvania (-0.2 percent).

The median delinquency rate at federally insured credit unions was 0.8 percent nationally as of June 30, down from 0.9 percent a year earlier. New Hampshire and Colorado (both 0.3 percent) had the lowest median delinquency rates, while the District of Columbia and New Jersey (both 1.6 percent) posted the highest rates.

Washington had the sixth-lowest delinquency rate, at 0.6 percent, and Idaho ranked 20th, at 0.7 percent. 

Overall membership in federally insured credit unions continued to grow, and that growth tended to be concentrated in larger institutions.