The National Credit Union Administration today released its fourth 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 $126 billion, or 5.4 percent, over the year ending in the fourth quarter of 2025, to $2.43 trillion. At the same time, total loans outstanding increased $76 billion, or 4.6 percent, 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.
Highlights from the Fourth Quarter 2025 NCUA Quarterly Data Summary Report include:
- The loan to share ratio stood at 83.2 percent in the fourth quarter of 2025, down from 84.0 percent 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.
- Net income totaled $18.8 billion in 2025, up $4.5 billion, or 31.5 percent, compared with 2024.
- The number of complex federally insured credit unions (those with total assets greater than $500 million) rose to 739 from 728 one year earlier.
- The number of federally insured credit unions declined to 4,287 in the fourth quarter of 2025, from 4,455 in the fourth quarter of 2024. In the fourth quarter of 2025, there were 2,686 federal credit unions and 1,601 federally insured, state-chartered credit unions. The year-over-year decline is consistent with long-running industry consolidation trends.
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 December 31, 2025, including key metrics.