Accessible Version
A Note on the New Credit Union Estimates in the G.19 "Consumer Credit" Statistical Release, Accessible Data
Figure 1. Credit Cards
Billions of dollars
| Quarter | ACU | Call |
|---|---|---|
| 2005 Q3 | 22.99 | 23.01 |
| 2005 Q4 | 23.51 | 24.39 |
| 2006 Q1 | 23.80 | 23.44 |
| 2006 Q2 | 24.17 | 24.49 |
| 2006 Q3 | 25.04 | 25.26 |
| 2006 Q4 | 26.00 | 27.15 |
| 2007 Q1 | 26.33 | 26.37 |
| 2007 Q2 | 26.95 | 27.49 |
| 2007 Q3 | 27.99 | 28.65 |
| 2007 Q4 | 29.15 | 30.81 |
| 2008 Q1 | 29.63 | 30.21 |
| 2008 Q2 | 30.01 | 31.02 |
| 2008 Q3 | 30.52 | 31.91 |
| 2008 Q4 | 31.06 | 33.16 |
| 2009 Q1 | 30.99 | 31.91 |
| 2009 Q2 | 31.38 | 32.87 |
| 2009 Q3 | 32.59 | 33.84 |
| 2009 Q4 | 33.33 | 35.28 |
| 2010 Q1 | 33.33 | 34.27 |
| 2010 Q2 | 33.48 | 34.84 |
| 2010 Q3 | 34.02 | 35.28 |
| 2010 Q4 | 35.30 | 36.37 |
| 2011 Q1 | 34.76 | 34.91 |
| 2011 Q2 | 35.21 | 35.64 |
| 2011 Q3 | 36.01 | 36.24 |
| 2011 Q4 | 36.75 | 37.81 |
| 2012 Q1 | 35.00 | 36.55 |
| 2012 Q2 | 35.76 | 37.33 |
| 2012 Q3 | 36.76 | 38.25 |
| 2012 Q4 | 37.64 | 39.96 |
| 2013 Q1 | 37.76 | 39.04 |
| 2013 Q2 | 38.23 | 40.01 |
| 2013 Q3 | 41.63 | 41.14 |
| 2013 Q4 | 40.87 | 43.05 |
| 2014 Q1 | 40.58 | 41.97 |
| 2014 Q2 | 41.30 | 43.36 |
| 2014 Q3 | 42.56 | 44.54 |
| 2014 Q4 | 43.88 | 46.45 |
| 2015 Q1 | 43.26 | 45.19 |
| 2015 Q2 | 44.00 | 46.31 |
| 2015 Q3 | 45.22 | 47.45 |
| 2015 Q4 | 45.52 | 49.30 |
| 2016 Q1 | 45.08 | 48.33 |
| 2016 Q2 | 45.94 | 49.58 |
| 2016 Q3 | 47.39 | 50.72 |
| 2016 Q4 | 48.94 | 53.18 |
| 2017 Q1 | 49.08 | 52.10 |
| 2017 Q2 | 50.37 | 53.57 |
| 2017 Q3 | 52.20 | 55.23 |
| 2017 Q4 | 53.83 | 58.02 |
| 2018 Q1 | 54.41 | 57.21 |
| 2018 Q2 | 55.47 | 58.44 |
| 2018 Q3 | 58.21 | 59.86 |
| 2018 Q4 | 60.11 | 62.38 |
| 2019 Q1 | 60.29 | 61.59 |
| 2019 Q2 | 61.20 | 62.93 |
| 2019 Q3 | 62.69 | 64.29 |
| 2019 Q4 | 64.84 | 66.55 |
| 2020 Q1 | 65.86 | 64.92 |
| 2020 Q2 | 62.56 | 61.40 |
| 2020 Q3 | 62.16 | 61.12 |
| 2020 Q4 | 63.23 | 62.28 |
| 2021 Q1 | 60.97 | 59.13 |
| 2021 Q2 | 60.80 | 60.31 |
| 2021 Q3 | 62.69 | 61.67 |
| 2021 Q4 | 64.81 | 64.66 |
| 2022 Q1 | 65.11 | 64.85 |
| 2022 Q2 | 68.72 | 67.72 |
| 2022 Q3 | 71.64 | 70.36 |
| 2022 Q4 | 75.31 | 74.70 |
| 2023 Q1 | 76.37 | 74.62 |
| 2023 Q2 | 78.63 | 77.01 |
| 2023 Q3 | 81.11 | 79.17 |
| 2023 Q4 | 83.40 | 82.50 |
| 2024 Q1 | 83.66 | 81.29 |
| 2024 Q2 | 84.72 | 82.49 |
| 2024 Q3 | 87.31 | 83.52 |
| 2024 Q4 | 89.56 | 85.67 |
| 2025 Q1 | 88.09 | 84.29 |
Note: This figure shows total outstanding credit card debt held by credit unions as reflected in the benchmark and the indicator data.
Source: Authors’ calculations using the credit union Call Report and data from America’s Credit Unions
Figure 2. Auto Loans
Billions of dollars
| Quarter | ACU | Call |
|---|---|---|
| 2005 Q3 | 147.64 | 174.24 |
| 2005 Q4 | 150.84 | 173.61 |
| 2006 Q1 | 151.45 | 174.12 |
| 2006 Q2 | 154.72 | 177.48 |
| 2006 Q3 | 160.99 | 179.83 |
| 2006 Q4 | 161.00 | 179.70 |
| 2007 Q1 | 161.49 | 178.73 |
| 2007 Q2 | 162.13 | 179.56 |
| 2007 Q3 | 163.64 | 181.14 |
| 2007 Q4 | 163.63 | 179.41 |
| 2008 Q1 | 161.40 | 176.24 |
| 2008 Q2 | 160.98 | 176.62 |
| 2008 Q3 | 163.21 | 178.76 |
| 2008 Q4 | 164.01 | 178.20 |
| 2009 Q1 | 163.70 | 177.50 |
| 2009 Q2 | 164.50 | 178.27 |
| 2009 Q3 | 167.18 | 179.57 |
| 2009 Q4 | 164.79 | 175.40 |
| 2010 Q1 | 160.23 | 170.74 |
| 2010 Q2 | 158.19 | 169.39 |
| 2010 Q3 | 159.46 | 168.74 |
| 2010 Q4 | 157.92 | 166.17 |
| 2011 Q1 | 155.16 | 163.74 |
| 2011 Q2 | 155.53 | 164.78 |
| 2011 Q3 | 157.44 | 165.92 |
| 2011 Q4 | 158.04 | 166.70 |
| 2012 Q1 | 158.95 | 167.99 |
| 2012 Q2 | 162.13 | 172.72 |
| 2012 Q3 | 167.10 | 177.70 |
| 2012 Q4 | 171.18 | 180.26 |
| 2013 Q1 | 173.77 | 183.23 |
| 2013 Q2 | 178.67 | 189.44 |
| 2013 Q3 | 186.82 | 195.83 |
| 2013 Q4 | 192.14 | 200.54 |
| 2014 Q1 | 195.90 | 205.49 |
| 2014 Q2 | 204.09 | 214.91 |
| 2014 Q3 | 213.75 | 224.70 |
| 2014 Q4 | 221.22 | 232.13 |
| 2015 Q1 | 224.64 | 238.77 |
| 2015 Q2 | 235.60 | 248.06 |
| 2015 Q3 | 245.69 | 257.91 |
| 2015 Q4 | 253.86 | 264.51 |
| 2016 Q1 | 260.13 | 272.38 |
| 2016 Q2 | 269.81 | 282.92 |
| 2016 Q3 | 280.72 | 293.22 |
| 2016 Q4 | 289.04 | 301.81 |
| 2017 Q1 | 297.59 | 310.08 |
| 2017 Q2 | 307.69 | 321.47 |
| 2017 Q3 | 319.42 | 329.58 |
| 2017 Q4 | 325.74 | 335.84 |
| 2018 Q1 | 329.51 | 343.62 |
| 2018 Q2 | 339.90 | 355.54 |
| 2018 Q3 | 352.48 | 365.27 |
| 2018 Q4 | 359.49 | 369.80 |
| 2019 Q1 | 361.10 | 370.32 |
| 2019 Q2 | 363.56 | 374.42 |
| 2019 Q3 | 368.08 | 378.15 |
| 2019 Q4 | 369.04 | 378.95 |
| 2020 Q1 | 370.38 | 378.13 |
| 2020 Q2 | 368.44 | 378.28 |
| 2020 Q3 | 373.01 | 382.70 |
| 2020 Q4 | 376.71 | 383.90 |
| 2021 Q1 | 374.83 | 384.57 |
| 2021 Q2 | 381.11 | 392.89 |
| 2021 Q3 | 390.38 | 402.12 |
| 2021 Q4 | 397.75 | 408.59 |
| 2022 Q1 | 406.45 | 421.82 |
| 2022 Q2 | 430.92 | 451.78 |
| 2022 Q3 | 457.95 | 476.70 |
| 2022 Q4 | 475.77 | 490.33 |
| 2023 Q1 | 484.04 | 497.98 |
| 2023 Q2 | 489.91 | 502.66 |
| 2023 Q3 | 495.53 | 506.02 |
| 2023 Q4 | 494.82 | 503.01 |
| 2024 Q1 | 490.01 | 496.73 |
| 2024 Q2 | 486.95 | 494.85 |
| 2024 Q3 | 486.66 | 490.59 |
| 2024 Q4 | 482.65 | 486.14 |
| 2025 Q1 | 479.47 | 485.93 |
Note: This figure shows total outstanding auto loans held by credit unions as reflected in the benchmark and the indicator data.
Source: Authors’ calculations using the credit union Call Report and data from America’s Credit Unions
Figure 3. Other Nonrevolving Credit Loans
Billions of dollars
| Quarter | ACU | Call | Series Break |
|---|---|---|---|
| 2005 Q3 | 43.19 | 44.50 | |
| 2005 Q4 | 45.00 | 44.47 | |
| 2006 Q1 | 45.36 | 44.12 | |
| 2006 Q2 | 45.37 | 45.52 | |
| 2006 Q3 | 46.90 | 46.73 | |
| 2006 Q4 | 47.88 | 47.18 | |
| 2007 Q1 | 47.97 | 46.54 | |
| 2007 Q2 | 48.64 | 47.77 | |
| 2007 Q3 | 50.82 | 49.18 | |
| 2007 Q4 | 51.42 | 49.56 | |
| 2008 Q1 | 51.33 | 49.47 | |
| 2008 Q2 | 51.10 | 50.65 | |
| 2008 Q3 | 50.43 | 52.44 | |
| 2008 Q4 | 51.64 | 52.95 | |
| 2009 Q1 | 51.62 | 52.54 | |
| 2009 Q2 | 50.87 | 53.33 | |
| 2009 Q3 | 52.01 | 54.80 | |
| 2009 Q4 | 52.35 | 54.72 | |
| 2010 Q1 | 47.46 | 54.39 | |
| 2010 Q2 | 47.66 | 54.64 | |
| 2010 Q3 | 47.58 | 55.23 | |
| 2010 Q4 | 47.37 | 55.02 | |
| 2011 Q1 | 46.50 | 53.99 | |
| 2011 Q2 | 46.92 | 55.34 | |
| 2011 Q3 | 48.25 | 55.86 | |
| 2011 Q4 | 47.75 | 56.31 | |
| 2012 Q1 | 47.75 | 55.62 | |
| 2012 Q2 | 48.18 | 57.19 | |
| 2012 Q3 | 49.71 | 58.66 | |
| 2012 Q4 | 50.67 | 59.45 | |
| 2013 Q1 | 50.07 | 59.17 | |
| 2013 Q2 | 51.29 | 61.41 | |
| 2013 Q3 | 53.74 | 63.61 | |
| 2013 Q4 | 54.89 | 64.98 | |
| 2014 Q1 | 53.89 | 64.91 | |
| 2014 Q2 | 55.41 | 68.03 | |
| 2014 Q3 | 57.98 | 70.37 | |
| 2014 Q4 | 59.25 | 71.90 | |
| 2015 Q1 | 59.09 | 71.80 | |
| 2015 Q2 | 61.63 | 74.91 | |
| 2015 Q3 | 64.77 | 77.73 | |
| 2015 Q4 | 66.96 | 79.09 | |
| 2016 Q1 | 67.45 | 79.20 | |
| 2016 Q2 | 69.66 | 82.35 | |
| 2016 Q3 | 72.82 | 84.85 | |
| 2016 Q4 | 74.94 | 85.83 | |
| 2017 Q1 | 75.28 | 86.13 | |
| 2017 Q2 | 78.16 | 89.34 | |
| 2017 Q3 | 81.57 | 82.47 | 82.47 |
| 2017 Q4 | 82.36 | 83.56 | |
| 2018 Q1 | 81.91 | 83.11 | |
| 2018 Q2 | 83.77 | 86.44 | |
| 2018 Q3 | 86.99 | 89.18 | |
| 2018 Q4 | 87.91 | 90.86 | |
| 2019 Q1 | 88.06 | 90.89 | |
| 2019 Q2 | 89.63 | 93.85 | |
| 2019 Q3 | 91.88 | 96.56 | |
| 2019 Q4 | 92.45 | 97.69 | |
| 2020 Q1 | 92.48 | 97.65 | |
| 2020 Q2 | 92.21 | 106.45 | |
| 2020 Q3 | 94.25 | 109.64 | |
| 2020 Q4 | 95.03 | 109.01 | |
| 2021 Q1 | 94.70 | 110.94 | |
| 2021 Q2 | 96.70 | 113.86 | |
| 2021 Q3 | 99.99 | 115.14 | |
| 2021 Q4 | 101.75 | 117.07 | |
| 2022 Q1 | 103.61 | 120.27 | |
| 2022 Q2 | 109.57 | 129.17 | |
| 2022 Q3 | 115.01 | 136.85 | |
| 2022 Q4 | 118.73 | 140.53 | |
| 2023 Q1 | 120.29 | 142.17 | |
| 2023 Q2 | 124.16 | 146.25 | |
| 2023 Q3 | 128.52 | 149.44 | |
| 2023 Q4 | 129.23 | 149.57 | |
| 2024 Q1 | 128.65 | 147.93 | |
| 2024 Q2 | 129.02 | 148.77 | |
| 2024 Q3 | 131.61 | 149.30 | |
| 2024 Q4 | 131.34 | 148.35 | |
| 2025 Q1 | 129.55 | 146.09 |
Note: This figure shows total outstanding other than auto nonrevolving credit loans held by credit unions as reflected in the benchmark and the indicator data. The 2017:Q3 series break is due to the update of the Call report item reflecting the secured portion of personal loans.
Source: Authors’ calculations using the credit union Call Report and data from America’s Credit Unions