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NCUA Releases Third Quarter 2025 Credit Union System Performance Data

December 2025
NCUA Releases Third Quarter 2025 Credit Union System Performance Data

Credit Union Assets, Net Worth, and Shares and Deposits Grew in the Third Quarter

ALEXANDRIA, VA (December 5, 2025) – The National Credit Union Administration today released its third 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 $86 billion, or 3.7 percent, over the year ending in the third quarter of 2025, to $2.40 trillion. Total loans outstanding increased $72 billion, or 4.4 percent, over the year, to $1.70 trillion. Insured shares and deposits rose $76 billion, or 4.3 percent, over the year ending in the second quarter of 2025, to $1.84 trillion.

Highlights from the Third Quarter 2025 NCUA Quarterly Data Summary Report include:

  • The credit union system’s net worth ratio was 11.24 percent in the third quarter of 2025, compared with 10.94 percent one year earlier. Note that beginning in 2023 Q1, this ratio excludes the Current Expected Credit Loss (CECL) transition provision.
  • Net income totaled $19.1 billion at an annual rate in the year to date through the third quarter of 2025, up $3.3 billion, or 21.0 percent, compared with the same period in 2024.
  • The number of credit unions with a low-income designation declined to 2,392 in the third quarter of 2025 from 2,446 one year earlier. Their share edged up to 55 percent of all federally insured credit unions in the third quarter of 2025.
  • Total investments rose $8.5 billion, or 2.2 percent, over the year to $400.7 billion in the third quarter of 2025.
  • Total loans outstanding increased $72.3 billion, or 4.4 percent, over the year to $1.70 trillion.

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 September 30, 2025, including key metrics.