Assets, shares, deposits increased in 2Q, while loans outstanding declined

Federally insured credit union assets, and shares and deposits increased at the median over the year ending in the second quarter of 2025, according to NCUA’s latest Quarterly U.S. Map Review, while loans outstanding declined slightly.

Other highlights from the report include:

• The median ratio of total loans outstanding to total shares and deposits - the loan-to-share ratio - was 70% 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%. Credit unions with falling membership tend to be small; over half had less than $50 million in assets in the second quarter; and
• Countrywide, 87% of federally insured credit unions had positive year-to-date net income in the second quarter of 2025, compared with 84% in the second quarter of 2024.

The quarterly 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.

Read the full report