Credit union assets rose 5.4% in 2025

Total assets in federally insured credit unions rose by $126 billion, or 5.4%, over the year ending in the fourth quarter of 2025, to $2.43 trillion, according to NCUA’s latest financial performance report. At the same time, total loans outstanding increased $76 billion, or 4.6%, over the year, to $1.72 trillion. The average outstanding loan balance in the fourth quarter of 2025 was $19,397, up $984, or 5.3 percent, from one year earlier.

The statistics come from NCUA’s Fourth Quarter 2025 NCUA Quarterly Data Summary Report, which also shows:

• The loan-to-share ratio stood at 83.2% in the fourth quarter of 2025, down from 84.0% in the fourth quarter of 2024;
• Federally insured credit unions added 2.4 million members over the year, and credit union membership in these institutions reached 144.7 million in the fourth quarter of 2025; and
• Net income totaled $18.8 billion in 2025, up $4.5 billion, or 31.5%, compared with 2024.

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 Dec. 31, 2025, including key metrics.