NCUA Releases Q4 2025 Credit Union Data Report

NCUA Press Releases

Published March 18th, 2026

Detected March 18th, 2026

Summary

The National Credit Union Administration (NCUA) released its Q4 2025 state-level credit union data report. The report indicates growth in assets and loans outstanding for federally insured credit unions, alongside trends in membership and profitability.

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What changed

The National Credit Union Administration (NCUA) has published its fourth quarter 2025 state-level credit union data report. The report details key performance indicators for federally insured credit unions, including a 3.3 percent median increase in assets and a 0.7 percent median growth in loans outstanding year-over-year. It also notes a median decline of 0.5 percent in credit union membership, particularly among smaller institutions, and that 88 percent of credit unions reported positive net income.

This report serves as an informational release for credit unions and interested parties, providing insights into the sector's performance and economic indicators. No immediate compliance actions are required for regulated entities based on this data release, as it is a reporting of past performance. The NCUA uses this data to monitor the health and stability of the credit union system.

Source document (simplified)

NCUA Releases Q4 2025 State-level Credit Union Data Report

March 2026 NCUA Releases Q4 2025 State-level Credit Union Data Report Alexandria, VA (March 18, 2026) ― The National Credit Union Administration (NCUA) today released its fourth quarter state-level credit union data report for 2025. Report findings indicate that for federally insured credit unions, assets increased by 3.3 percent at the median over the year ending in the fourth quarter of 2025. At the same time, loans outstanding grew by 0.7 percent at the median, according to the latest Quarterly U.S. Map Review.

Nationally, the median ratio of total loans outstanding to total shares and deposits — the loan-to-share ratio — was 70 percent at the end of the fourth quarter of 2025.

Credit union membership continued to grow in the aggregate over the year ending in the fourth quarter of 2025. At the median, membership declined by 0.5 percent. Credit unions with falling membership tend to be small; over half had less than $50 million in assets in the fourth quarter of 2025.

Countrywide, 88 percent of federally insured credit unions had positive year-to-date net income in the fourth quarter of 2025, compared with 86 percent in the fourth quarter of 2024.

The NCUA’s Quarterly U.S. Map Review tracks performance indicators for federally insured credit unions in all 50 states and the District of Columbia and includes information on two important state-level economic indicators: the unemployment rate and home prices.

The NCUA was created by the U.S. Congress to regulate, charter and supervise federal credit unions. With the backing of the full faith and credit of the United States, the NCUA operates and manages the Share Insurance Fund, insuring the deposits of more than 145 million account holders in all federal credit unions and most state-chartered credit unions.

Last modified on

03/18/26