NCUA data also showed:

Fees have been more or less steady over the past year. They were 0.44% in the third quarter, down from 0.46% a year earlier, and up from 0.43% in the second quarter.
Overdraft and non-sufficient funds fees have also been steady since the first quarter, when the NCUA first began reporting them for credit unions with more than $1 billion in assets. They were 0.17% of average assets in the third quarter, about the same as the two previous quarters.
Other non-interest income was 0.71% in the third quarter, up from 0.64% a year earlier and 0.77% in the second quarter.
Employee pay and benefits has been rising slowly this year. It was 1.56% in the third quarter, up from 1.51% a year earlier and 1.55% in the second quarter.
Other overhead expenses have been steady. They were 1.44% in the third quarter, up from 1.42% a year earlier and down from 1.43% in the second quarter.
Credit losses were higher than a year ago, but in the middle of the range over the last six quarters. They were 0.59% in the third quarter, up from 0.51% a year earlier and 0.58% in the second quarter.
Net charge-offs were $3.1 billion in the three months ending Sept. 30, or an annualized 0.75% of average loans. That’s up from the net charge-off ratio of 0.60% a year earlier, but down from the previous three quarters. They peaked this year at 0.80% in the second quarter.
The overall 60-day-plus delinquency rate was 0.91% on Sept. 30, up from 0.72% a year earlier and 0.84% on June 30.

Harper pointed to “especially large increases” in delinquency rates for real estate and credit card loans.

Instant Insights /

Harper: Loan Growth Slowing, Delinquencies Rising