Level from CUNA Monthly Credit Union Estimates, table National Credit Union Aggregates, Loans, multiplied by ratio from table National Credit Union Loan Data, Distribution of Loans, sum of 1st Mort Fixed, 1st Mort Adj, Sec Mort and Home Equity. Unadjusted flow is the change in the level, less other volume changes. Other volume changes include charge-offs beginning 2007:Q1. Gross charge-offs data are available from the NCUA Call Report. Seasonally adjusted flow is obtained using X-12-ARIMA procedure.