ALEXANDRIA, Va. (Sept. 17, 2025) – The National Credit Union Administration today released the second quarter state-level credit union data report for 2025. Report findings indicate that for federally insured credit unions, assets, and shares and deposits increased at the median over the year ending in the second quarter of 2025. At the same time, loans outstanding declined slightly, according to the latest Quarterly U.S. Map Review.
The median ratio of total loans outstanding to total shares and deposits - the loan-to-share ratio - was 70 percent nationally at the end of the second quarter of 2025.
Credit union membership continued to grow in the aggregate over the year ending in the second 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 second quarter of 2025.
Countrywide, 87 percent of federally insured credit unions had positive year-to-date net income in the second quarter of 2025, compared with 84 percent in the second 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.