The delinquency rate for used car loans ended the year at 0.86%, down 2 basis points, while the net charge off ratio was 0.79%, up 4 basis points.

Auto lending is a staple of credit unions. While the Top 10 in some categories have a disproportionately large share, auto loans are more widely dispersed.

The 10 credit unions with the largest total car loan portfolios on Dec. 31 accounted for $212.7 billion in assets, and 16.9 million members, or 15% of the movement's assets and members. However, they accounted for only 13% of total auto loans.

The Top 10's new car loans were $19.8 billion, up 13.9%, and used car loans were $25.4 billion up 12.3%. Their total car loans were $45.2 billion up 12.3%.

The Top 10 were:

1. Navy FCU, Vienna, Va. ($90.6 billion in assets, 7.5 million members): New car loans were $6 billion, up 9.1%, and used car loans were $6.8 billion, up 7.1%. Navy Federal's total car loans were $12.8 billion, up 8%.
2. Security Service FCU, San Antonio, Texas ($9.5 billion in assets, 750,971 members): New car loans were $2.5 billion, down 5%, and used car loans were $2.7 billion, down 3.2%. Total car loans were $5.2 billion, down 4.1%.
3. The Golden 1 CU, Sacramento, Calif. ($11.5 billion in assets, 921,901 members): New car loans were $2.6 billion, up 17.9%, and used car loans were $1.9 billion, up 19.3%. Total car loans were $4.5 billion, up 18.5%.
4. Alaska USA FCU, Anchorage, Alaska ($7.2 billion in assets, 642,751 members): New car loans were $2.1 billion, up 13.1%, and used car loans were $2.2 billion, up 11.7%. Total car loans were $4.3 billion, up 12.4%.
5. America First FCU, Riverdale, Utah ($9.2 billion in assets, 905,161 members): New car loans were $815.2 million, up 23.7%, and used car loans were $2.9 billion, up 18.1%. Total car loans were $3.7 billion, up 19.3%.
6. Pentagon FCU, Tysons, Va. ($22.9 billion in assets, 1.6 million members): New car loans were $1.7 billion, up 18.4%, and used car loans were $1.6 billion, up 14.2%. PenFed's total car loans were $3.3 billion, up 16.4%.
7. Randolph-Brooks FCU, San Antonio, Texas ($8.6 billion in assets, 724,559 members): New car loans were $1.1 billion, up 16.7%, and used car loans were $1.7 billion, up 22.6%. Total car loans were $2.9 billion, up 20.2%.
8. Suncoast CU, Tampa, Fla. ($8.7 billion in assets, 747,403 members): New car loans were $990.1 million, up 20%, and used car loans were $1.9 billion, up 33.1%. Total car loans were $2.9 billion, up 28.3%.
9. State Employees' CU, Raleigh, N.C. ($37.3 billion in assets, 2.3 million members): New car loans were $726.5 million, up 17.5%, and used car loans were $2.1 billion, up 10.7%. Total car loans were $2.8 billion, up 12.3%.
10. Mountain America FCU, Salt Lake City, Utah ($7.1 billion in assets, 722,100 members): New car loans were $1.1 billion, up 16.7%, and used car loans were $1.7 billion, up 21.1%. Total car loans were $2.8 billion, up 19.3%.