The NCUA Quarterly U.S. Map Review for the first quarter of 2025 covers several key indicators of the financial health and viability of federally insured credit unions, including:1,2
- Median four-quarter growth in assets,
- Median four-quarter growth in shares and deposits,
- Median four-quarter growth in members,
- Median four-quarter growth in loans,
- Median delinquent loans as a share of total loans,
- Median loans outstanding as a share of total shares and deposits,
- Median year-to-date annualized return on average assets, and
- Share of federally insured credit unions with positive year-to-date net income.
Four-quarter growth is the growth from the end of the first quarter of 2024 through the first quarter of 2025. Most maps shown in this review display medians, or the 50th percentile of the distribution of the variable. In other words, for a given metric, half of all credit unions had a value at or above the median, while the other half had a value that was less than or equal to the median.3
Data presented in this review are rounded. Unless otherwise noted, indicators in percentages are rounded to the nearest tenth of a percentage point, while indicators in basis points are rounded to the nearest basis point. In the legends, the data range in each color band excludes the value of the lower bound but includes the value of the upper bound of the range. Credit unions are included in their states of chartering or the states in which their headquarters are located.
NCUA makes information about the financial performance of federally insured credit unions available through its online Research a Credit Union tool. Through this link, you can locate information contained in an individual credit union’s Call Report as well as obtain a Financial Performance Report and summary documents about a credit union’s performance. For comments or suggestions about the NCUA Quarterly U.S. Map Review, please send an email to OEACMail@ncua.gov.
Median Annual Asset Growth
NCUA Quarterly Map Review - Credit Union Indicators Summary
Please see alternative text below.
Visualization for NCUA Quarterly Map Review - Credit Union Indicators Summary
Source: National Credit Union Administration
| State / Territory | Median Y/Y Asset Growth (%) - Level |
|---|---|
| AK | 2.00% |
| AL | 0.80% |
| AR | 0.40% |
| AZ | 2.00% |
| CA | -0.10% |
| CO | 2.70% |
| CT | 0.90% |
| DC | -0.30% |
| DE | -2.50% |
| FL | 2.10% |
| GA | 1.90% |
| GU | 5.50% |
| HI | 3.90% |
| IA | 3.50% |
| ID | 3.50% |
| IL | 1.80% |
| IN | 2.50% |
| KS | 1.70% |
| KY | 3.50% |
| LA | 0.80% |
| MA | 1.00% |
| MD | 1.60% |
| ME | 6.20% |
| MI | 2.70% |
| MN | 2.80% |
| MO | 2.20% |
| MS | 2.20% |
| MT | 4.00% |
| NC | 1.40% |
| ND | 4.30% |
| NE | 2.90% |
| NH | 3.10% |
| NJ | -0.70% |
| NM | 3.90% |
| NV | 4.10% |
| NY | 2.30% |
| OH | 2.70% |
| OK | 1.40% |
| OR | 1.00% |
| PA | 2.20% |
| PR | 4.00% |
| RI | 0.50% |
| SC | 0.50% |
| SD | 5.40% |
| TN | 2.40% |
| TX | 1.20% |
| UT | 4.20% |
| VA | 1.30% |
| VI | 5.80% |
| VT | 3.10% |
| WA | 1.30% |
| WI | 2.90% |
| WV | 0.90% |
| WY | 4.80% |
Highlights
- Nationally, assets in federally insured credit unions increased by 1.9 percent at the median over the year ending in the first quarter of 2025. In other words, half of all federally insured credit unions had asset growth at or above 1.9 percent and half had asset growth of 1.9 percent or less. During the year ending in the first quarter of 2024, the median growth rate in assets was negative 0.8 percent.
- Over the year ending in the first quarter of 2025, median asset growth was fastest in Maine (6.2 percent) and South Dakota (5.4 percent).
- At the median, assets declined in Delaware (-2.5 percent), New Jersey (-0.7 percent), Washington, D.C. (-0.3 precent), and California (-0.1 percent) over the year.
Median Annual Share and Deposit Growth
NCUA Quarterly Map Review - Credit Union Indicators Summary
Please see alternative text below.
Visualization for NCUA Quarterly Map Review - Credit Union Indicators Summary
Source: National Credit Union Administration
| State / Territory | Median Y/Y Deposit Growth (%) - Level |
|---|---|
| AK | 5.00% |
| AL | 0.00% |
| AR | 0.50% |
| AZ | 2.70% |
| CA | 1.00% |
| CO | 2.90% |
| CT | 0.40% |
| DC | -0.10% |
| DE | -3.10% |
| FL | 2.50% |
| GA | 1.40% |
| GU | 6.10% |
| HI | 4.20% |
| IA | 3.50% |
| ID | 3.40% |
| IL | 1.80% |
| IN | 2.20% |
| KS | 1.20% |
| KY | 2.70% |
| LA | 0.70% |
| MA | 1.40% |
| MD | 1.80% |
| ME | 5.90% |
| MI | 1.90% |
| MN | 2.80% |
| MO | 3.40% |
| MS | 2.60% |
| MT | 3.80% |
| NC | 1.80% |
| ND | 4.90% |
| NE | 2.60% |
| NH | 2.30% |
| NJ | -0.50% |
| NM | 4.40% |
| NV | 3.50% |
| NY | 1.80% |
| OH | 3.20% |
| OK | 1.00% |
| OR | 0.60% |
| PA | 1.20% |
| PR | 3.10% |
| RI | 0.90% |
| SC | 1.40% |
| SD | 4.60% |
| TN | 2.40% |
| TX | 1.00% |
| UT | 4.20% |
| VA | 1.10% |
| VI | 3.70% |
| VT | 2.30% |
| WA | 2.20% |
| WI | 2.00% |
| WV | -0.40% |
| WY | 4.50% |
Highlights
- Nationally, shares and deposits increased by 1.8 percent at the median over the year ending in the first quarter of 2025. During the year ending in the first quarter of 2024, the median growth rate in shares and deposits was negative 2.1 percent.
- Over the year ending in the first quarter of 2025, median growth in shares and deposits was fastest in Maine (5.9 percent) and Alaska (5.0 percent).
- At the median, shares and deposits declined in Delaware (-3.1 percent), New Jersey (-0.5 percent), West Virginia (-0.4 precent), and Washington, D.C. (-0.1 percent) over the year.
Median Annual Membership Growth
NCUA Quarterly Map Review - Credit Union Indicators Summary
Please see alternative text below.
Visualization for NCUA Quarterly Map Review - Credit Union Indicators Summary
Source: National Credit Union Administration
| State / Territory | Median Y/Y Member Growth (%) - Level |
|---|---|
| AK | 1.30% |
| AL | -0.40% |
| AR | -1.00% |
| AZ | 1.10% |
| CA | 0.00% |
| CO | -0.70% |
| CT | -1.30% |
| DC | -1.00% |
| DE | -0.70% |
| FL | 0.00% |
| GA | -0.60% |
| GU | 10.20% |
| HI | -0.10% |
| IA | -0.50% |
| ID | 0.20% |
| IL | -0.50% |
| IN | -1.00% |
| KS | -0.40% |
| KY | -0.70% |
| LA | -0.20% |
| MA | -0.80% |
| MD | -0.30% |
| ME | 0.70% |
| MI | -0.40% |
| MN | 0.20% |
| MO | -0.10% |
| MS | 0.10% |
| MT | 1.20% |
| NC | -0.20% |
| ND | -0.80% |
| NE | -0.90% |
| NH | 1.00% |
| NJ | -1.70% |
| NM | 0.20% |
| NV | 0.50% |
| NY | -0.10% |
| OH | -1.40% |
| OK | -1.20% |
| OR | 0.50% |
| PA | -1.70% |
| PR | 2.10% |
| RI | -1.60% |
| SC | -1.20% |
| SD | -0.10% |
| TN | -0.70% |
| TX | -0.10% |
| UT | 1.00% |
| VA | -1.70% |
| VI | 1.00% |
| VT | 0.00% |
| WA | -0.60% |
| WI | -0.60% |
| WV | -0.90% |
| WY | 0.90% |
Highlights
- While membership continued to grow in the aggregate over the year ending in the first quarter of 2025, at the median, membership declined by 0.5 percent. Membership declined by 0.3 percent at the median over the year ending in the first quarter of 2024. Overall, about 55 percent of federally insured credit unions had fewer members at the end of the first quarter of 2025 than a year earlier. Credit unions with falling membership tend to be small; over half had less than $50 million in assets in the first quarter of 2025.
- Over the year ending in the first quarter of 2025, credit unions headquartered in Alaska (1.3 percent) and Montana (1.2 percent) experienced the strongest median membership growth.
- At the median, membership declined in thirty-four states and Washington, D.C. over the year. New Jersey, Pennsylvania, and Viriginia (all -1.7 percent) saw the largest median decline in membership, followed by Rhode Island (-1.6 percent).
Median Annual Loan Growth
NCUA Quarterly Map Review - Credit Union Indicators Summary
Please see alternative text below.
Visualization for NCUA Quarterly Map Review - Credit Union Indicators Summary
Source: National Credit Union Administration
| State / Territory | Median Y/Y Loan Growth (%) - Level |
|---|---|
| AK | 2.60% |
| AL | -1.70% |
| AR | -2.60% |
| AZ | -0.20% |
| CA | -0.50% |
| CO | 0.30% |
| CT | -0.20% |
| DC | -3.10% |
| DE | 0.30% |
| FL | 1.30% |
| GA | 1.10% |
| GU | 3.20% |
| HI | 3.40% |
| IA | -1.30% |
| ID | 1.00% |
| IL | -1.00% |
| IN | -0.90% |
| KS | 1.20% |
| KY | -1.30% |
| LA | -1.10% |
| MA | -0.10% |
| MD | -0.20% |
| ME | 3.80% |
| MI | 0.60% |
| MN | 1.40% |
| MO | -0.50% |
| MS | 1.70% |
| MT | 2.60% |
| NC | 1.60% |
| ND | -1.40% |
| NE | 0.40% |
| NH | 3.00% |
| NJ | -1.30% |
| NM | 2.10% |
| NV | 4.00% |
| NY | -0.10% |
| OH | -0.80% |
| OK | -2.80% |
| OR | 0.60% |
| PA | -1.80% |
| PR | 2.70% |
| RI | 0.70% |
| SC | 1.00% |
| SD | 0.90% |
| TN | 0.00% |
| TX | -1.10% |
| UT | -1.10% |
| VA | -0.30% |
| VI | 0.90% |
| VT | 0.80% |
| WA | -1.50% |
| WI | 2.20% |
| WV | -3.60% |
| WY | 0.30% |
Highlights
- Nationally, loans outstanding declined by 0.3 percent at the median over the year ending in the first quarter of 2025. Over the previous year, loans increased by 3.9 percent at the median.
- Over the year ending in the first quarter of 2025, median loan growth was strongest in Nevada (4.0 percent) and Maine (3.8 percent).
- At the median, loans outstanding declined in Washington, D.C. and twenty-four states over the year, led by West Virginia (-3.6 percent) and Washington, D.C. (-3.1 percent).
Median Total Delinquency Rate
NCUA Quarterly Map Review - Credit Union Indicators Summary
Please see alternative text below.
Visualization for NCUA Quarterly Map Review - Credit Union Indicators Summary
Source: National Credit Union Administration
| State / Territory | Median Total Delinquency Rate (bps) - Level |
|---|---|
| AK | 81 |
| AL | 78 |
| AR | 79 |
| AZ | 67 |
| CA | 43 |
| CO | 67 |
| CT | 49 |
| DC | 86 |
| DE | 130 |
| FL | 39 |
| GA | 56 |
| GU | 64 |
| HI | 56 |
| IA | 75 |
| ID | 69 |
| IL | 45 |
| IN | 66 |
| KS | 70 |
| KY | 52 |
| LA | 120 |
| MA | 37 |
| MD | 62 |
| ME | 49 |
| MI | 56 |
| MN | 51 |
| MO | 54 |
| MS | 91 |
| MT | 29 |
| NC | 79 |
| ND | 66 |
| NE | 67 |
| NH | 21 |
| NJ | 94 |
| NM | 46 |
| NV | 38 |
| NY | 58 |
| OH | 58 |
| OK | 61 |
| OR | 63 |
| PA | 59 |
| PR | 40 |
| RI | 33 |
| SC | 53 |
| SD | 58 |
| TN | 48 |
| TX | 58 |
| UT | 36 |
| VA | 76 |
| VI | 90 |
| VT | 79 |
| WA | 63 |
| WI | 44 |
| WV | 90 |
| WY | 64 |
Highlights
- At the end of the first quarter of 2025, the median total delinquency rate among federally insured credit unions was 58 basis points, compared with 53 basis points at the end of the first quarter of 2024.
- At the end of the first quarter of 2025, the median delinquency rate was highest in Delaware (130 basis points) and Louisiana (120 basis points).
- The median delinquency rate was lowest in New Hampshire (21 basis points) and Montana (29 basis points) at that time.
Median Loan-to-Share Ratio
NCUA Quarterly Map Review - Credit Union Indicators Summary
Please see alternative text below.
Visualization for NCUA Quarterly Map Review - Credit Union Indicators Summary
Source: National Credit Union Administration
| State / Territory | Median Loan to Share Ratio (%) - Level |
|---|---|
| AK | 82.00% |
| AL | 59.00% |
| AR | 76.00% |
| AZ | 71.00% |
| CA | 71.00% |
| CO | 73.00% |
| CT | 51.00% |
| DC | 63.00% |
| DE | 47.00% |
| FL | 73.00% |
| GA | 73.00% |
| GU | 95.00% |
| HI | 56.00% |
| IA | 77.00% |
| ID | 88.00% |
| IL | 62.00% |
| IN | 67.00% |
| KS | 69.00% |
| KY | 66.00% |
| LA | 72.00% |
| MA | 76.00% |
| MD | 69.00% |
| ME | 75.00% |
| MI | 67.00% |
| MN | 77.00% |
| MO | 74.00% |
| MS | 67.00% |
| MT | 72.00% |
| NC | 76.00% |
| ND | 75.00% |
| NE | 72.00% |
| NH | 75.00% |
| NJ | 50.00% |
| NM | 72.00% |
| NV | 60.00% |
| NY | 63.00% |
| OH | 63.00% |
| OK | 72.00% |
| OR | 75.00% |
| PA | 52.00% |
| PR | 80.00% |
| RI | 76.00% |
| SC | 73.00% |
| SD | 69.00% |
| TN | 72.00% |
| TX | 73.00% |
| UT | 83.00% |
| VA | 65.00% |
| VI | 36.00% |
| VT | 85.00% |
| WA | 75.00% |
| WI | 82.00% |
| WV | 62.00% |
| WY | 82.00% |
Highlights
Loan-to-share ratios are rounded to the nearest percentage point.
- Nationally, the median ratio of total loans outstanding to total shares and deposits - the loan-to-share ratio - was 69 percent at the end of the first quarter of 2025. At the end of the first quarter of 2024, the median loan-to-share ratio was 70 percent.
- The median loan-to-share ratio was highest in Idaho (88 percent) and Vermont (85 percent) at the end of the first quarter of 2025.
- The median loan-to-share ratio was lowest in Delaware (47 percent) and New Jersey (50 percent) at that time.
Median Return on Average Assets
NCUA Quarterly Map Review - Credit Union Indicators Summary
Please see alternative text below.
Visualization for NCUA Quarterly Map Review - Credit Union Indicators Summary
Source: National Credit Union Administration
| State / Territory | Median Annualized YTD ROAA (bps) - Level |
|---|---|
| AK | 70 |
| AL | 60 |
| AR | 60 |
| AZ | 68 |
| CA | 43 |
| CO | 49 |
| CT | 52 |
| DC | 42 |
| DE | 27 |
| FL | 59 |
| GA | 72 |
| GU | 41 |
| HI | 60 |
| IA | 77 |
| ID | 79 |
| IL | 67 |
| IN | 64 |
| KS | 62 |
| KY | 71 |
| LA | 61 |
| MA | 43 |
| MD | 41 |
| ME | 69 |
| MI | 70 |
| MN | 71 |
| MO | 59 |
| MS | 72 |
| MT | 90 |
| NC | 44 |
| ND | 61 |
| NE | 79 |
| NH | 75 |
| NJ | 28 |
| NM | 83 |
| NV | 146 |
| NY | 73 |
| OH | 65 |
| OK | 40 |
| OR | 68 |
| PA | 76 |
| PR | 39 |
| RI | 38 |
| SC | 82 |
| SD | 90 |
| TN | 57 |
| TX | 57 |
| UT | 78 |
| VA | 43 |
| VI | 128 |
| VT | 45 |
| WA | 50 |
| WI | 87 |
| WV | 77 |
| WY | 126 |
Highlights
- Nationally, the median annualized return on average assets at federally insured credit unions was 62 basis points in the first quarter of 2025, compared with 55 basis points in the first quarter of 2024.
- Nevada (146 basis points) and Wyoming (126 basis points) had the highest median annualized return on average assets in the first quarter of 2025.
- Delaware (27 basis points) and New Jersey (28 basis points) had the lowest median annualized return on average assets at that time.
Share of Credit Unions with Positive Net Income
NCUA Quarterly Map Review - Credit Union Indicators Summary
Please see alternative text below.
Visualization for NCUA Quarterly Map Review - Credit Union Indicators Summary
Source: National Credit Union Administration
| State / Territory | Share of FICUs with Positive YTD Net Income (%) - Level |
|---|---|
| AK | 100.00% |
| AL | 79.00% |
| AR | 73.00% |
| AZ | 91.00% |
| CA | 83.00% |
| CO | 82.00% |
| CT | 79.00% |
| DC | 77.00% |
| DE | 76.00% |
| FL | 92.00% |
| GA | 84.00% |
| GU | 100.00% |
| HI | 91.00% |
| IA | 93.00% |
| ID | 90.00% |
| IL | 86.00% |
| IN | 81.00% |
| KS | 84.00% |
| KY | 84.00% |
| LA | 78.00% |
| MA | 83.00% |
| MD | 79.00% |
| ME | 94.00% |
| MI | 90.00% |
| MN | 85.00% |
| MO | 82.00% |
| MS | 74.00% |
| MT | 90.00% |
| NC | 76.00% |
| ND | 86.00% |
| NE | 84.00% |
| NH | 85.00% |
| NJ | 67.00% |
| NM | 82.00% |
| NV | 88.00% |
| NY | 85.00% |
| OH | 91.00% |
| OK | 76.00% |
| OR | 88.00% |
| PA | 86.00% |
| PR | 100.00% |
| RI | 87.00% |
| SC | 91.00% |
| SD | 91.00% |
| TN | 80.00% |
| TX | 78.00% |
| UT | 91.00% |
| VA | 82.00% |
| VI | 60.00% |
| VT | 75.00% |
| WA | 87.00% |
| WI | 87.00% |
| WV | 91.00% |
| WY | 100.00% |
Highlights
Shares of credit unions with positive net income are rounded to the nearest percentage point.
- Nationally, 84 percent of federally insured credit unions had positive year-to-date net income in the first quarter of 2025, compared with 82 percent in the first quarter of 2024.
- In the first quarter of 2025, the share of federally insured credit unions with positive year-to-date net income was highest in Alaska and Wyoming (both 100 percent), followed by Maine (94 percent).
- The share was lowest in New Jersey (67 percent) and Arkansas (73 percent) at that time.
Tables and Downloads
- 2025 Q1 Summary Tables (Accessible web page)
- U.S. Summary Tables (Accessible web page)
- 2025 Q1 Summary Tables (ZIP workbook)
- Download CSV for NCUA Quarterly Map Review - Economic Indicators Summary
- Download CSV for NCUA Quarterly Map Review - Credit Union Indicators Summary
- Q1 U.S. Map Review (PDF)
For questions, comments, and/or suggestions about this page and the graphing functionality, please fill out our Website Feedback form.
Footnotes
1 Data are as of the 2025Q1 public release date. The definition of the “state” variable was modified with the 2022Q1 release.
2 Overseas territories—Guam, Puerto Rico, and the Virgin Islands— are included in the calculations of the U.S. statistics and reported in the summary tables at the end of this report. Due to the small number of credit unions in each, however, they are not represented in the text.
3 Technically, by construction of the median, there can be several credit unions “tied” at the median value.