TruStage Credit Union Trends Report Shows Loan Balances Expected to by 5% in 2025...

The Credit Union Trends Report is a monthly "pulse check" on the state of the credit union marketplace, often placed in a historical context. The report includes data from two months prior and is published and distributed by Steven Rick from TruStage™.

​February 2025

• Real home prices rose 3.1% in 2024, almost twice the long run pace of 1.6%.
• Credit union loan balances are expected to grow 5% in 2025, up from 2.8% in 2024.
• The personal savings rates averaged only 4.6% recently, below the 6% long run average, creating a headwind for credit union deposit growth.
• Credit union loan delinquency rates will fall to 0.90% in 2025 from 0.99% today.
• The credit union movement’s equity-to-asset ratio ended 2024 at 9.7%, up from the 9.1% reported at year-end 2023.
• Credit unions picked up 3.3 million memberships in 2024, down from the 4 million gains reported in 2023.

Click here for the full report.