The catalogue › United States › Mid-Atlantic

The regional note · prepared 8 September 2026

Mid-Atlantic

329 banks and 773 credit unions read from their latest filings, every state in the Mid-Atlantic ranked against the others and the largest institutions against each other.

Small-business lending ↓

The states New York · New Jersey · Pennsylvania · Delaware · Maryland · District of Columbia

Banks

329 banks filing across 6 states · read from the 30 June 2026 Call Report

329

banks filing

$4.07T in assets

+10.0%

Loans, year over year

on the banks filing at both dates

19.4%

CRE / loans

in aggregate

68%

Loans / deposits

in aggregate

0.98%

Noncurrent / loans

-10 bps on a year earlier

9.6%

Equity / assets

in aggregate

The Mid-Atlantic's 329 banks hold $4.07T in assets at 30 June 2026, across 6 states. Goldman Sachs Bank USA is the largest at $759B, and the five largest hold 59% of the total; 136 institutions are above $1B, holding $3.76T. New York holds the most, $2.29T.

Loans grew +10.0% in the year on the banks filing at both dates, fastest in New York at +13.2% and slowest in Maryland at +3.6%. Noncurrent loans are 0.98% of the book, down 10 basis points on a year earlier; the rate rose in 3 states and fell in 3, rising most in District of Columbia (+95 bps) and highest outright in District of Columbia at 2.09%.

By category, multifamily loans went late the most, the noncurrent rate +17 bps to 2.44%, then auto (+9 bps to 0.80%); nonfarm nonresidential improved the most, -36 bps. Commercial real estate is 19.4% of loans in aggregate, heaviest in District of Columbia at 57.8%; the banks lend 68% of their deposits, and equity is 9.6% of assets.

The largest banks, by size

the twenty largest in each band headquartered in the Mid-Atlantic; each has its own read in the catalogue

Under $1B: the 20 largest of 178banks headquartered in the Mid-Atlantic, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Haven Savings Bank	NJ	$987M	-6.0%	47.4%	91%	0.40%	-0.36%	8.8%
2	BTG Pactual Bank N.A.	NY	$978M	+67.0%	39.7%	97%	0.18%	-0.12%	46.8%
3	Watertown Savings Bank	NY	$971M	+3.5%	23.0%	76%	1.95%	1.90%	18.3%
4	Harleysville Bank	PA	$964M	+0.5%	40.1%	99%	0.14%	1.49%	9.9%
5	Atlantic Community Bankers Bank	PA	$942M	+3.3%	72.8%	104%	0.53%	1.26%	16.2%
6	First Northern Bank & Trust Co.	PA	$921M	+3.5%	41.5%	75%	1.16%	1.42%	14.8%
7	Juniata Valley Bank	PA	$918M	+14.4%	37.5%	79%	0.05%	1.15%	6.7%
8	New Millennium Bank	NJ	$899M	-5.2%	29.7%	103%	0.58%	1.35%	14.6%
9	Newfield National Bank	NJ	$889M	+2.5%	37.5%	59%	0.02%	0.70%	7.7%
10	Farmers & Merchants Bank	MD	$874M	+3.5%	53.2%	88%	0.00%	0.97%	9.1%
11	Bogota Savings Bank	NJ	$872M	-8.0%	27.7%	111%	4.30%	0.30%	15.2%
12	Bayvanguard Bank	MD	$869M	-5.5%	47.4%	103%	0.48%	1.01%	18.7%
13	First Resource Bank	PA	$841M	+16.3%	47.7%	97%	0.12%	1.37%	8.3%
14	Hebron Savings Bank	MD	$839M	+13.6%	40.9%	88%	0.08%	1.64%	12.8%
15	Freedom Bank	NJ	$838M	+8.2%	68.2%	104%	0.28%	0.88%	9.9%
16	Hana Bank USA National Association	NJ	$835M	+9.6%	62.0%	87%	0.00%	2.79%	26.9%
17	Community FSB	NY	$827M	+21.8%	87.6%	56%	0.43%	-0.60%	10.9%
18	Quontic Bank	NY	$787M	+7.6%	0.2%	89%	3.53%	0.37%	11.0%
19	Cenlar FSB	NJ	$782M	-12.2%	0.0%	46%	0.21%	-1.26%	17.8%
20	Harford Bank	MD	$777M	+17.7%	33.0%	84%	0.91%	1.08%	9.6%

$1B to $3B: the 20 largest of 70banks headquartered in the Mid-Atlantic, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Fidelity Deposit & Discount Bank	PA	$2.97B	+13.7%	26.4%	82%	0.08%	1.13%	8.5%
2	Nextier Bank National Association	PA	$2.93B	+2.1%	43.3%	87%	1.49%	1.38%	10.6%
3	Wayne Bank	PA	$2.91B	+26.9%	25.0%	89%	1.21%	0.95%	9.3%
4	Industrial & Commercial Bank Chi	NY	$2.86B	-0.6%	29.6%	123%	4.20%	0.66%	17.4%
5	Habib American Bank	NY	$2.84B	+13.3%	75.1%	79%	0.73%	0.96%	8.9%
6	Chemung Canal Trust Co.	NY	$2.82B	+11.0%	54.5%	100%	0.38%	1.37%	10.8%
7	Orange Bank & Trust Co.	NY	$2.79B	+2.9%	68.9%	81%	1.12%	1.87%	11.1%
8	Interaudi Bank	NY	$2.68B	+11.3%	41.6%	70%	2.36%	1.21%	10.1%
9	Meridian Bank	PA	$2.59B	+3.7%	34.5%	101%	3.68%	0.75%	9.6%
10	Esquire Bank National Association	NY	$2.49B	+27.6%	27.4%	86%	0.27%	2.29%	11.2%
11	Somerset Trust Co.	PA	$2.47B	-1.0%	31.9%	81%	1.49%	1.13%	8.1%
12	Allied Irish Banks	NY	$2.43B	+43.9%	0.0%		0.00%
13	Ephrata National Bank	PA	$2.39B	+14.2%	15.6%	83%	0.54%	0.98%	9.4%
14	QNB Bank	PA	$2.37B	+40.8%	48.2%	83%	0.61%	0.69%	8.8%
15	Bessemer Trust Co.	NJ	$2.36B	-5.1%	0.0%	11%	0.00%	1.98%	5.6%
16	Pioneer Bank National Association	NY	$2.34B	+21.2%	30.5%	95%	0.48%	0.73%	12.2%
17	Farmers & Merchants Trust Chamber	PA	$2.34B	+6.1%	51.8%	84%	1.10%	1.23%	8.3%
18	Hanover Community Bank	NY	$2.33B	+1.2%	40.7%	99%	1.42%	0.66%	10.1%
19	Parke Bank	NJ	$2.30B	+5.0%	44.8%	115%	0.27%	2.18%	15.5%
20	Bank of Princeton	NJ	$2.25B	-3.7%	60.6%	91%	0.92%	1.24%	12.2%

$3B to $10B: the 20 largest of 43banks headquartered in the Mid-Atlantic, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	S & Trust Bank	PA	$9.94B	+1.6%	44.9%	99%	0.50%	1.48%	13.8%
2	Eaglebank	MD	$9.62B	-14.0%	50.8%	81%	2.05%	0.49%	12.2%
3	Amalgamated Bank	NY	$9.41B	+9.2%	44.1%	61%	1.99%	1.31%	9.2%
4	Metropolitan Commercial Bank	NY	$8.86B	+10.8%	43.9%	94%	0.91%	1.18%	10.9%
5	Tompkins Community Bank	NY	$8.79B	+6.9%	41.2%	92%	0.80%	1.39%	9.3%
6	Cross River Bank	NJ	$8.53B	+4.5%	13.9%	89%	2.79%	0.12%	12.1%
7	Forbright Bank	MD	$8.48B	+25.6%	22.2%	83%	1.45%	0.62%	12.2%
8	CNB Bank	PA	$8.41B	+37.8%	37.5%	91%	0.84%	1.35%	10.9%
9	Univest Bank & Trust Co.	PA	$8.17B	+3.5%	32.3%	100%	0.62%	1.30%	11.3%
10	Peapack Private Bank & Trust	NJ	$7.96B	+14.7%	47.1%	95%	1.07%	0.82%	8.8%
11	Kearny Bank	NJ	$7.67B	+1.1%	62.6%	103%	0.81%	0.46%	9.4%
12	Ridgewood Savings Bank	NY	$7.55B	+1.0%	49.9%	81%	1.85%	0.69%	12.8%
13	Bank of India	NY	$7.42B	-18.6%	0.0%	68%	0.00%
14	Comenity Bank	DE	$7.37B	-1.4%	0.0%	158%	3.24%	4.94%	13.8%
15	Mid Penn Bank	PA	$7.04B	+16.4%	43.8%	94%	0.51%	1.19%	12.4%
16	Mashreqbank PSC	NY	$6.93B	-12.5%	1.9%	86%	0.00%
17	Trustco Bank	NY	$6.52B	+4.3%	3.1%	95%	0.40%	1.03%	8.5%
18	Five Star Bank	NY	$6.29B	+4.8%	45.1%	90%	0.82%	1.42%	10.8%
19	Shore United Bank N.A.	MD	$6.15B	+1.0%	43.9%	90%	1.32%	1.31%	11.0%
20	CFG Bank	MD	$6.12B	+6.4%	43.1%	78%	3.86%	1.48%	10.6%

$10B to $20B: the 14 largest of 14banks headquartered in the Mid-Atlantic, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Apple Bank	NY	$19.89B	+6.6%	49.4%	86%	0.44%	0.39%	8.1%
2	Community Bank National Association	NY	$17.45B	+7.3%	25.2%	76%	0.50%	1.17%	9.6%
3	Northwest Bank	PA	$17.21B	+16.6%	14.8%	92%	0.69%	1.32%	11.6%
4	Bank of Baroda	NY	$16.24B	+14.5%	0.0%	105%	0.00%
5	NBT Bank National Association	NY	$16.09B	+2.1%	31.1%	87%	0.55%	1.21%	11.6%
6	Safra National Bank of New York	NY	$15.69B	+24.8%	30.4%	26%	0.00%	0.97%	8.6%
7	Dime Commercial Bank	NY	$15.03B	-1.6%	55.8%	84%	0.64%	1.00%	11.3%
8	Popular Bank	NY	$15.03B	+3.4%	47.9%	99%	0.39%	0.98%	14.4%
9	Connectone Bank	NJ	$14.40B	+6.3%	60.0%	101%	0.68%	1.23%	12.3%
10	Israel Discount Bank of NY	NY	$14.39B	+3.9%	41.5%	81%	1.18%	0.75%	10.2%
11	Dollar Bank FSB	PA	$12.70B	+5.8%	25.0%	99%	0.72%	0.61%	10.3%
12	First Commonwealth Bank	PA	$12.18B	-1.1%	29.7%	92%	0.89%	1.40%	12.5%
13	Columbia Bank	NJ	$12.17B	+3.8%	48.2%	89%	0.51%	0.52%	9.4%
14	Bank Hapoalim Bank M	NY	$11.04B	+16.4%	34.7%	105%	1.92%

Over $20B: the 20 largest of 24banks headquartered in the Mid-Atlantic, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Goldman Sachs Bank USA	NY	$758.79B	+19.6%	5.4%	50%	1.04%	1.12%	7.9%
2	PNC Bank National Association	DE	$609.77B	+12.6%	9.9%	81%	0.74%	1.30%	10.4%
3	Bank of New York Mellon	NY	$425.12B	+31.6%	10.3%	13%	0.04%	1.56%	6.9%
4	TD Bank National Association	DE	$342.80B	-3.6%	14.3%	60%	1.11%	0.83%	13.3%
5	Morgan Stanley Private Bank N.A.	NY	$250.43B	+19.9%	3.7%	88%	0.20%	1.13%	6.8%
6	Manufacturers & Traders Trust Co.	NY	$218.79B	+5.2%	16.8%	83%	1.35%	1.40%	12.9%
7	Santander Bank N A	DE	$103.96B	+18.7%	27.4%	70%	1.84%	0.99%	13.3%
8	Flagstar Bank National Association	NY	$87.71B	-5.0%	53.5%	91%	4.97%	0.13%	9.3%
9	Standard Chartered Bank PLC	NY	$69.15B	+24.4%	2.0%	53%	0.60%
10	Valley National Bank	NJ	$66.23B	+6.2%	43.2%	97%	0.91%	1.06%	12.7%
11	Banco Bilbao Vizcaya Sa	NY	$58.37B	+64.1%	6.6%	201%	0.51%
12	First National Bank of Pennsylvania	PA	$50.80B	+3.1%	24.2%	92%	0.38%	1.20%	13.4%
13	Bank of China	NY	$48.52B	+9.9%	10.8%	71%	1.63%
14	Barclays Bank Delaware	DE	$43.45B	-10.0%	0.0%	84%	1.67%	2.37%	13.9%
15	Deutsche Bank Trust Co. Americas	NY	$40.53B	-3.7%	25.5%	55%	0.92%	0.98%	24.5%
16	Fulton Bank National Association	PA	$32.56B	+1.5%	26.8%	89%	0.71%	1.29%	11.0%
17	TD Bank USA National Association	DE	$32.13B	-1.9%	0.8%	32%	2.08%	0.42%	11.9%
18	BNY Mellon National Association	PA	$30.62B	-1.2%	4.2%	71%	0.06%	0.88%	11.6%
19	Customers Bank	PA	$26.50B	+16.9%	25.3%	82%	0.33%	1.16%	8.8%
20	Provident Bank	NJ	$25.65B	+4.9%	58.7%	102%	0.55%	1.34%	12.6%

Noncurrent loans, share of loans, by stateevery bank in the state summed, 30 June 2026; 90 days or more past due and still accruing, plus nonaccrual, over loans; darker is higher

District of Columbia carries the highest rate at 2.09%, 54% of it one institution, Industrial Bank at 6.6% of its own book, then Maryland at 1.62%; Pennsylvania the lowest at 0.60%. The Mid-Atlantic in aggregate sits at 0.98%.

Where noncurrent loans rose, and where they fellthe change in the rate on 30 June 2025, in basis points; amber rose, navy fell

The rate rose in 3 of 6 states and fell in 3. It rose most in District of Columbia (+95 bps) and New Jersey (+4 bps), and fell most in New York (-18 bps).

Where borrowers are going late, by loan categorythe noncurrent rate on each category a year ago and now, every bank in the Mid-Atlantic summed; the widest rise first; from Schedule RC-N as FDIC serves it; a small category moves on a few loans

Multifamily loans deteriorated the most, +17 bps to 2.44% noncurrent (57% of the category's noncurrent balance is one institution, Flagstar Bank National Association, at 8.1% of its own multifamily book); auto +9 bps to 0.80%. 5 of the 11 categories improved. The highest rate outright among the categories that matter to the book is multifamily at 2.44%.

The delinquency ladder by categoryeach category's balance and the share of it 30 to 89 days past due, 90 days or more and still accruing, and on nonaccrual; noncurrent is the last two together, with its change on a year earlier

Category	Balance	30 to 89	90+	Nonaccrual	Noncurrent	YoY
Construction & land	$62.5B	0.27%	0.03%	0.99%	1.01%	-3 bps
Multifamily	$155B	0.48%	0.06%	2.38%	2.44%	+17 bps
Nonfarm nonresidential	$301B	0.29%	0.01%	1.44%	1.45%	-36 bps
1-4 family residential	$424B	0.64%	0.28%	0.80%	1.08%	+3 bps
Home equity lines	$55.6B	0.49%	0.05%	1.50%	1.55%	-3 bps
Commercial & industrial	$377B	0.19%	0.03%	0.99%	1.02%	+5 bps
Consumer	$198B	1.43%	0.70%	0.41%	1.11%	-4 bps
Credit card	$75.4B	1.72%	1.76%	0.05%	1.81%	-11 bps
Auto	$84.1B	1.41%	0.01%	0.79%	0.80%	+9 bps
Agricultural production	$1.5B	0.08%	0.01%	1.41%	1.42%	+118 bps
Farmland	$5.3B	0.24%	0.04%	0.65%	0.70%	+19 bps
All loans and leases	$2.12T	0.41%	0.14%	0.84%	0.98%	-10 bps

The noncurrent rate by category since 2008each category's noncurrent share of its own balance, quarterly, every bank in the Mid-Atlantic summed; bold, the category rising most this year

Multifamily peaked at 3.3% in 2010 and stands at 2.44% now, 73% of that peak. The scale of the last cycle is the point of the chart: every category's rate today sits against where it went then.

Loans, year over year, by state30 June 2026 against a year earlier on the banks filing at both dates; no better direction

New York grew fastest at +13.2%; 5 states grew faster than 5% and 0 shrank, Maryland the most at +3.6%.

Commercial real estate, share of loans, by stateconstruction, multifamily and non-owner-occupied nonresidential over loans, every bank in the state summed, 30 June 2026

District of Columbia is the most CRE-weighted at 57.8% of loans, then New Jersey at 48.4%; 3 states sit above 30%, against 19.4% in aggregate.

Early delinquency: 30 to 89 days past due, by stateloans 30 to 89 days past due and still accruing, over loans, every bank in the state summed, 30 June 2026; the leading edge of the ladder

District of Columbia has the most loans in the early bucket at 1.33%; the aggregate is 0.41%. Loans here are a quarter or two ahead of the noncurrent figure above, which is why the two maps are read together.

What the Mid-Atlantic' banks lendthe loan book of every bank summed by category as filed, 30 June 2026

Other loans and leases (nondepository financials, foreign, leases) is the largest category at 27.0% of $2.12T in loans, then Commercial & industrial at 17.8% and 1-4 family residential, closed-end at 17.4%.

Who holds the Mid-Atlantic' bank assetseach institution's share of the $4.07T the region's 329 hold; the largest first, amber in the catalogue

Goldman Sachs Bank USA holds 18.6% of the total; the five largest hold 59%, and 136 of the 329 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve

59% of the assets sit in 1.5% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

The consolidation: banks filing since 2008the count of banks filing each quarter from the Mid-Atlantic; assets at the ends in the read

712 banks filed in 2008 Q1 holding $1.85T; 329 file now holding $4.07T. 54% fewer charters hold 120% more in assets.

Noncurrent loans since 2008every bank in the Mid-Atlantic summed, quarterly

The rate peaked at 3.86% in 2009 and stands at 0.98%, 25% of that peak.

Loans, year over year: banks over $1B30 June 2026 against a year earlier; the fastest fifteen; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 135 · amber, in the catalogue

Central Penn Bank & Trust (Pennsylvania) grew fastest at +97.7%; the median among banks over $1B is +5.8%. A jump this size is usually an acquisition or a charter's first full year, both visible in the institution's own filing.

Commercial real estate, share of loans: banks over $1B30 June 2026; construction, multifamily and non-owner-occupied nonresidential; the fifteen heaviest; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 135 · amber, in the catalogue

Northeast Community Bank (New York) is the most CRE-weighted at 92.0% of loans; 25 of the 136 are above half the book.

Nonperforming loans, share of loans: banks over $1B30 June 2026; the fifteen highest, as each filed; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 135 · amber, in the catalogue

Flagstar Bank National Association (New York) carries the highest rate at 4.97%; 13 of the 136 are above 2%, and the median is 0.71%. A rate is a filed fact, not a finding; the allowance beside it and the trend behind it are on the institution's own page where it is in the catalogue.

Loans to deposits: banks over $1B30 June 2026; the fifteen highest; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 136 · amber, in the catalogue

25 of the 136 lend more than they hold in deposits, Maspeth Federal Savings & Loan Association (New York) the furthest at 140%; the median is 89%.

Return on assets: banks over $1B30 June 2026; the fifteen highest; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 130 · amber, in the catalogue

Bank of Utica (New York) earns the most at 4.72%; 21 of the 136 earn under 0.50%, and the median is 1.13%.

Every state, 30 June 2026largest first; navy, the stronger half of each column; amber, the weaker; darker at the ends; growth on the institutions filing at both dates

State	Banks	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	YoY	30 to 89 days	ROA, median	Equity / assets
New York	121	$2.29T	+13.2%	16.5%	59%	1.04%	-18 bps	0.36%	0.97%	8.0%
Delaware	17	$1.17T	+6.7%	12.7%	72%	1.01%	-8 bps	0.51%	2.20%	11.8%
Pennsylvania	110	$343B	+8.0%	26.4%	88%	0.60%	+4 bps	0.32%	0.95%	11.1%
New Jersey	50	$219B	+8.8%	48.4%	93%	0.87%	+4 bps	0.35%	0.67%	11.8%
Maryland	27	$49.1B	+3.6%	37.9%	85%	1.62%	-17 bps	0.73%	0.97%	11.6%
District of Columbia	4	$3.5B	+7.2%	57.8%	86%	2.09%	+95 bps	1.33%	0.42%	12.4%

Five years, 2021 to 2026the 326 institutions filing at both dates; dollars as growth, ratios in points

	2021	2026	Change
Loans, in total	$1.38T	$2.12T	+53%
Deposits, in total	$2.43T	$3.13T	+28%
NPA / loans, median	0.53%	0.60%	+0.06 pts
Efficiency, median	67.3%	65.7%	-1.6 pts
ROA, median	0.89%	0.94%	+0.04 pts

Credit unions

773 credit unions filing across 6 states · read from the 31 March 2026 NCUA 5300

773

credit unions filing

$288B in assets

+4.5%

Loans, year over year

on the credit unions filing at both dates

9.0%

Member business loans / loans

in aggregate

77%

Loans / shares

in aggregate

0.81%

Delinquent / loans

+5 bps on a year earlier

11.4%

Net worth / assets

in aggregate

The Mid-Atlantic's 773 credit unions hold $288B in assets at 31 March 2026, across 6 states. Fourleaf is the largest at $14.4B, and the five largest hold 19% of the total; 54 institutions are above $1B, holding $212B. New York holds the most, $134B.

Loans grew +4.5% in the year on the credit unions filing at both dates, fastest in Delaware at +7.7% and slowest in District of Columbia at +1.2%. Delinquent loans are 0.81% of the book, up 5 basis points on a year earlier; the rate rose in 2 states and fell in 4, rising most in New York (+11 bps) and highest outright in New Jersey at 0.99%.

Member business loans are 9.0% of the book in aggregate, heaviest in New York at 10.8%. The credit unions lend 77% of their shares, and net worth is 11.4% of assets.

Delinquent loans, share of loans, by stateevery credit union in the state summed, 31 March 2026; loans 60 days or more past due, over loans; darker is higher

New Jersey carries the highest rate at 0.99%, then New York at 0.95%; District of Columbia the lowest at 0.56%. The Mid-Atlantic in aggregate sits at 0.81%.

Where delinquency rose, and where it fellthe change in the rate on 31 March 2025, in basis points; amber rose, navy fell

The rate rose in 2 of 6 states and fell in 4. It rose most in New York (+11 bps) and Pennsylvania (+2 bps), and fell most in Delaware (-15 bps).

Loans, year over year, by state31 March 2026 against a year earlier on the credit unions filing at both dates; no better direction

Delaware grew fastest at +7.7%, 76% of the added loans in one institution, Del-one, whose book went from $580M to $697M in the year; 3 states grew faster than 5% and 0 shrank, District of Columbia the most at +1.2%.

Member business loans, share of loans, by stateevery credit union in the state summed, 31 March 2026

New York carries the most commercial lending at 10.8% of loans; the aggregate is 9.0%.

Who holds the Mid-Atlantic' credit union assetseach institution's share of the $288B the region's 773 hold; the largest first, amber in the catalogue

Fourleaf holds 5.0% of the total; the five largest hold 19%, and 54 of the 773 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve

19% of the assets sit in 0.6% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

The consolidation: credit unions filing since 2022the count of credit unions filing each quarter from the Mid-Atlantic; assets at the ends in the read

909 credit unions filed in 2022 Q1 holding $249B; 773 file now holding $288B. 15% fewer charters hold 16% more in assets.

Delinquency since 2022every credit union in the Mid-Atlantic summed, quarterly

The rate peaked at 0.94% in 2025 and stands at 0.81%, 86% of that peak.

Loans, year over year: credit unions over $1B31 March 2026 against a year earlier; the fastest fifteen · the 15 highest of 53 · amber, in the catalogue

Self Reliance Financial (New York) grew fastest at +57.8%; the median among credit unions over $1B is +5.9%. A jump this size is usually an acquisition or a charter's first full year, both visible in the institution's own filing.

Member business loans, share of loans: credit unions over $1B31 March 2026; the fifteen heaviest · the 15 highest of 54 · amber, in the catalogue

Self Reliance Financial (New York) carries the most commercial lending at 39.2% of loans.

Delinquent loans, share of loans: credit unions over $1B31 March 2026; the fifteen highest, as each filed · the 15 highest of 54 · amber, in the catalogue

Lafayette (Maryland) carries the highest rate at 3.07%; 2 of the 54 are above 2%, and the median is 0.64%. A rate is a filed fact, not a finding; the allowance beside it and the trend behind it are on the institution's own page where it is in the catalogue.

Loans to shares: credit unions over $1B31 March 2026; the fifteen highest · the 15 highest of 54 · amber, in the catalogue

4 of the 54 lend more than they hold in shares, Usalliance (New York) the furthest at 117%; the median is 81%.

Return on assets: credit unions over $1B31 March 2026; the fifteen highest · the 15 highest of 54 · amber, in the catalogue

Members 1st (Pennsylvania) earns the most at 2.23%; 18 of the 54 earn under 0.50%, and the median is 0.64%.

Every state, 31 March 2026largest first; navy, the stronger half of each column; amber, the weaker; darker at the ends; growth on the institutions filing at both dates

State	Filers	Assets	Loans YoY	MBL / loans	Loans / shares	Delinquent	YoY	ROA, median	Net worth
New York	269	$134B	+5.4%	10.8%	78%	0.95%	+11 bps	0.68%	10.9%
Pennsylvania	272	$83.6B	+4.4%	9.8%	77%	0.64%	+2 bps	0.72%	12.3%
Maryland	61	$39.9B	+2.3%	5.2%	82%	0.71%	-0 bps	0.49%	11.4%
New Jersey	127	$15.4B	+5.2%	6.0%	72%	0.99%	-2 bps	0.26%	10.8%
District of Columbia	29	$11.9B	+1.2%	0.0%	67%	0.56%	-3 bps	0.25%	12.0%
Delaware	15	$3.2B	+7.7%	7.5%	69%	0.86%	-15 bps	0.42%	10.8%

Small-business lending

SBA 7(a) approvals into the Mid-Atlantic since FY2008, across every lender type

$52.3B of 7(a) credit has been approved into the Mid-Atlantic since FY2008 across 153,513 loans. Accommodation & food services is the largest category at 18.5%, Retail trade at 15.3%, Health care & social assistance at 9.8%; the three together are 44% of the money. The heaviest losses fall in Transportation & warehousing, at 3.08% of approvals charged off.

7(a) lenders in the Mid-Atlantic, share of approvalssince FY2008, 642 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue

What the Mid-Atlantic' 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest

The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike

Industry	Approved	Loans	Share	Charged off	Loss rate
Accommodation & food services	$9.7B	20,106	18.5%	$245M	2.53%
Retail trade	$8.0B	22,025	15.3%	$206M	2.58%
Health care & social assistance	$5.1B	12,933	9.8%	$61M	1.19%
Manufacturing	$4.5B	9,865	8.5%	$98M	2.19%
Professional & technical services	$4.4B	16,827	8.4%	$84M	1.91%
Other services	$4.4B	14,924	8.4%	$93M	2.11%
Construction	$3.8B	17,350	7.2%	$111M	2.96%
Wholesale trade	$3.4B	8,877	6.6%	$94M	2.73%
Arts, entertainment & recreation	$2.1B	5,044	4.0%	$46M	2.17%
Administrative & waste services	$1.8B	7,587	3.4%	$43M	2.47%
Transportation & warehousing	$1.3B	6,661	2.6%	$41M	3.08%
Real estate & leasing	$1.2B	2,969	2.4%	$18M	1.46%

The largest state marketsapprovals since FY2008 and how many lenders have written there

State	Approved	Loans	Lenders
New York	$19.3B	66,912	402
New Jersey	$13.2B	31,583	308
Pennsylvania	$12.5B	34,047	374
Maryland	$5.5B	16,065	268
Delaware	$1.0B	2,990	138
District of Columbia	$731M	1,917	130

The other regions Great Lakes · Mountain West · New England · Pacific · Plains · South Central · Southeast · Southwest

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Mid-Atlantic institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 8 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; Schedule RC-N past-due detail via the FDIC; SBA 7(a) release
Cohort every institution filing in the Mid-Atlantic

Computed from each institution's own filing as published; aggregates are dollar-weighted sums across the filers, medians unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.

← Back to the catalogue