Credit Union Assets, Loans Outstanding, and Shares and Deposits Grew in the Second Quarter
ALEXANDRIA, VA (September 5, 2025) – The National Credit Union Administration today released its second quarter credit union system performance data for 2025. According to the latest financial performance data report, total assets in federally insured credit unions rose by $82 billion, or 3.6 percent, over the year ending in the second quarter of 2025, to $2.38 trillion. Total loans outstanding increased $64 billion, or 3.9 percent, over the year, to $1.68 trillion. Insured shares and deposits rose $71 billion, or 4.0 percent, over the year ending in the second quarter of 2025, to $1.83 trillion.
“Over the last four quarters the credit union system saw solid growth in assets, loans, and deposits reflecting the viability and resilience of credit unions,” said Chairman Kyle Hauptman. “This upward trend is important as it signals a robust credit environment, enabling more credit union members and businesses to access funds for growth and investment. Also, strong deposit data enhances credit union liquidity and reinforces stability across the credit union system.”
Highlights from the Second Quarter 2025 NCUA Quarterly Data Summary Report include:
- The credit union system’s net worth ratio was 11.11 percent in the second quarter of 2025, compared with 10.84 percent one year earlier. Note that beginning in 2023Q1, this ratio excludes the Current Expected Credit Loss (CECL) transition provision.
- Net income totaled $17.7 billion at an annual rate in the year to date through the second quarter of 2025, up $2.1 billion, or 13.2 percent, compared with the same period in 2024.
- Federally insured credit unions added 2.8 million members over the year, and credit union membership in these institutions reached 143.8 million in the second quarter of 2025.
- Total assets in federally insured credit unions rose by $82.0 billion, or 3.6 percent, over the year to $2.38 trillion in the second quarter of 2025.
- Cash increased by $2.3 billion, or 1.2 percent, to $192.0 billion.
The NCUA makes credit union system performance data available in the Credit Union Analysis section of NCUA.gov. The analysis section includes quarterly data summaries and detailed financial information, a graphics package illustrating financial trends in federally insured credit unions, and a spreadsheet listing all federally insured credit unions that filed a call report as of June 30, 2025, including key metrics.