The National Credit Union Administration released on March 18 its fourth quarter state-level credit union data report for 2025, showing that assets at federally insured credit unions increased by 3.3 percent at the median over the year ending in the fourth quarter of 2025. Loans outstanding grew by 0.7 percent at the median during the same period, according to the latest Quarterly U.S. Map Review.
This report provides insight into trends affecting federally insured credit unions across all states and the District of Columbia, offering a snapshot of their financial health and membership changes. The NCUA’s review also includes information on unemployment rates and home prices at the state level.
Nationally, the median loan-to-share ratio was reported as 70 percent at the end of the fourth quarter of 2025. While overall membership in credit unions continued to grow in aggregate, there was a decline of 0.5 percent at the median. The data shows that most credit unions experiencing declining membership were small institutions with less than $50 million in assets during this period.
Additionally, 88 percent of federally insured credit unions had positive year-to-date net income in the fourth quarter of 2025, up from 86 percent in the previous year’s fourth quarter.
The National Credit Union Administration functions as a U.S. government agency, according to the official website. It seeks to guarantee safe deposits and offer regulatory oversight for federally insured credit unions according to its official website. Kyle Hauptman has served as chairman of the National Credit Union Administration Board according to its official website.
The agency serves federally insured credit unions nationwide according to its official website, charters new institutions, and provides oversight for existing ones according to its official website. It also offers tools such as the Share Insurance Estimator for coverage details and CUOnline for financial submissions according to its official website.
With these ongoing efforts and resources, observers may expect continued monitoring and support for federal credit unions as economic conditions evolve.
