The National Credit Union Administration released its fourth quarter 2025 credit union system performance data, reporting year-on-year growth in assets and lending at federally insured credit unions alongside higher profitability. Total assets rose by USD 126 billion (5.4%) over the year to USD 2.43 trillion, while total loans outstanding increased by USD 76 billion (4.6%) to USD 1.72 trillion. The average outstanding loan balance was USD 19,397, up USD 984 (5.3%) from a year earlier, and the loan-to-share ratio stood at 83.2% versus 84.0% in the fourth quarter of 2024. Membership increased by 2.4 million to 144.7 million, net income totaled USD 18.8 billion for 2025 (up 31.5% from 2024), and the number of complex federally insured credit unions (assets over USD 500 million) rose to 739. The number of federally insured credit unions fell to 4,287 from 4,455 a year earlier, comprising 2,686 federal credit unions and 1,601 federally insured, state-chartered credit unions. NCUA made the quarterly data summary, detailed financial information, a graphics package on financial trends, and a spreadsheet of call report filers as of December 31, 2025 available in the Credit Union Analysis section of its website.
National Credit Union Administration 2026-03-06
National Credit Union Administration publishes fourth quarter 2025 performance data as federally insured credit union assets rise 5.4% to USD 2.43 trillion
The National Credit Union Administration reported a year-on-year increase in assets and lending at federally insured credit unions for Q4 2025, with total assets reaching USD 2.43 trillion and loans outstanding at USD 1.72 trillion. Membership grew by 2.4 million to 144.7 million, and net income rose by 31.5% to USD 18.8 billion. The number of federally insured credit unions decreased to 4,287, while complex credit unions increased to 739.