Total loans outstanding at federally insured credit unionsincreased to $823.4 billion during the second quarter of 2016, anincrease of 10.5% from a year ago, the NCUA said Tuesday.

At the same time, delinquencies rose in several loan categories,according to data based on the agency's Call Reports. Thedelinquency rate rose 1 basis point from last year and stood at 75basis points, the agency said.

“Going forward, it's important for credit unions to remaindiligent in assessing underwriting risks to keep overall systemrisk to manageable levels,” NCUA Chairman Rick Metsger said, as theagency released the data.

Year over year, loans grew in every major category, with newauto loans leading the pack, with a 15.6% increase, to $107.3 billion.Used auto loans increased 13.1%, to $173 billion.

Total real estate lending grew 8.7%, to $411.2 billion, whilepayday alternative loans rose 4.2%, to $119.9 million at an annualrate.

Total investments by federally insured credit unions dropped2.5%, to $271.9 billion.

The delinquency rate for credit cards was 93 basis points,compared with 86 points a year earlier, the agency said. Thedelinquency rate for fixed real estate was 55 basis points, downfrom 68 basis points in the second quarter of 2015.

The delinquency rate for member business loans stood at 149basis points, 47 basis points higher than in 2015.

Consolidation among credit unions continued in the secondquarter. There were 272 fewer credit unions during the secondquarter of the year, with the number of federally insured creditunions standing at 5,887.

The percentage of federally insured credit unions that were wellcapitalized remained steady, with 97.8% reporting a net worth ratioat or above the 7% required by law.