States with the Highest Median Loan-to-Share Ratios, 3Q 2018

Nationally, the median loan-to-share (deposit) ratio for credit unions was 69 percent at the end of the third quarter of 2018.

However, there are a number of states where credit unions have much higher median loan-to-share ratios. There are eight states with median loan-to-share ratios equal to or greater than 80 percent.

Here is a list of states with loan-to-deposit ratios of at least 80 percent (click on image to enlarge).

Recently, some credit union regulators have expressed concerns that credit unions with high loan-to-share ratios could be exposed to increased liquidity risk.