The National Credit Union Administration (NCUA) has released its second quarter performance data for the credit union system in 2025. The report shows that total assets in federally insured credit unions grew by $82 billion, or 3.6 percent, reaching $2.38 trillion over the year ending in the second quarter of 2025. Loans outstanding increased by $64 billion, or 3.9 percent, totaling $1.68 trillion. Insured shares and deposits rose by $71 billion, or 4.0 percent, to $1.83 trillion.
“Over the last four quarters the credit union system saw solid growth in assets, loans, and deposits reflecting the viability and resilience of credit unions,” said Chairman Kyle Hauptman. “This upward trend is important as it signals a robust credit environment, enabling more credit union members and businesses to access funds for growth and investment. Also, strong deposit data enhances credit union liquidity and reinforces stability across the credit union system.”
According to highlights from the NCUA Quarterly Data Summary Report for the second quarter of 2025, the net worth ratio for the system was 11.11 percent compared with 10.84 percent one year earlier; since early 2023 this measure does not include provisions related to Current Expected Credit Losses (CECL). Net income reached an annual rate of $17.7 billion through mid-2025—an increase of $2.1 billion or 13.2 percent from a year prior.
Federally insured credit unions added 2.8 million new members during this period, bringing total membership to 143.8 million as of June 30, 2025. Cash held by these institutions also increased by $2.3 billion (1.2 percent) to reach $192 billion.
Credit union system performance data—including quarterly summaries, detailed financial information, graphics on trends among federally insured credit unions, and a spreadsheet listing all institutions that filed call reports as of June 30—is available through the Credit Union Analysis section of NCUA.gov.
The NCUA is an independent federal agency established by Congress responsible for regulating, chartering, and supervising federal credit unions nationwide and operates the National Credit Union Share Insurance Fund which insures deposits for more than 143 million account holders at federal and most state-chartered credit unions.
