NCUA Releases Q3 2025 State-level Credit Union Data Report

The National Credit Union Administration today released its third quarter state-level credit union data report for 2025. Report findings indicate that for federally insured credit unions, assets increased by 2.6 percent at the median over the year ending in the third quarter of 2025. At the same time, loans outstanding grew by 0.3 percent at the median, according to the latest Quarterly U.S. Map Review.
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Nationally, the median ratio of total loans outstanding to total shares and deposits — the loan-to-share ratio — was 70 percent at the end of the third quarter of 2025.

Credit union membership continued to grow in the aggregate over the year ending in the third quarter of 2025. At the median, membership declined by 0.5 percent. Credit unions with falling membership tend to be small; over half had less than $50 million in assets in the third quarter of 2025.

Countrywide, 88 percent of federally insured credit unions had positive year-to-date net income in the third quarter of 2025, compared with 85 percent in the third quarter of 2024.

The NCUA’s Quarterly U.S. Map 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.

The NCUA is the federal agency created by the U.S. Congress to regulate, charter and supervise federal credit unions. With the backing of the full faith and credit of the United States, the NCUA operates and manages the National Credit Union Share Insurance Fund.

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