Credit union assets, net worth, shares deposits grew in 3Q
Total assets in federally insured credit unions rose by $86 billion, or 3.7%, over the year ending in the third quarter of 2025, to $2.40 trillion, according to NCUA’s third quarter credit unions system performance data. Total loans outstanding increased $72 billion, or 4.4%, over the year, to $1.70 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% one year earlier;
- 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%, 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% of all federally insured credit unions in the third quarter of 2025;
- Total investments rose $8.5 billion, or 2.2%, over the year to $400.7 billion in the third quarter of 2025; and
- Total loans outstanding increased $72.3 billion, or 4.4%, over the year to $1.70 trillion.
NCUA makes credit union system performance data available in the Credit Union Analysis section of NCUA.gov, which 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 Sept. 30, including key metrics.