At least 75 percent of federally-insured credit unions in Massachusetts reported positive net income through the second quarter, according to the National Credit Union Association.

Three to 5 percent of Massachusetts credit unions saw median annual asset and deposit growth, in line with the national average, while also seeing a median annual loan growth between 5 and 7 percent.

Membership growth was flat in the state during the second quarter, with median membership growth somewhere between -.5 and 0 percent.

Asset quality appears strong, with the median total delinquency rate was between 0.4 and 0.6 percent, below the national average of 0.69 percent, and down slightly from one year ago.

But the median average return on assets slumped behind the national level between 0.2 and 0.3 percent.