Total assets of federally insured credit unions increased by $86 billion, or 3.7 percent, reaching $2.40 trillion over the year ending in the third quarter of 2025, according to data released by the National Credit Union Administration (NCUA) on December 5. The agency’s latest report also noted that total loans outstanding grew by $72 billion, or 4.4 percent, during this period and now stand at $1.70 trillion.
Insured shares and deposits rose by $76 billion, a 4.3 percent increase over the year ending in the second quarter of 2025, totaling $1.84 trillion.
The NCUA’s third quarter summary highlighted several key figures:
– The credit union system’s net worth ratio was reported at 11.24 percent for the third quarter of 2025, up from 10.94 percent a year earlier.
– Net income reached an annual rate of $19.1 billion through the third quarter of this year, an increase of $3.3 billion or 21 percent compared to the same timeframe in 2024.
– The number of credit unions designated as low-income fell to 2,392 from last year’s figure of 2,446; however, these institutions now represent a slightly higher share—55 percent—of all federally insured credit unions.
– Total investments climbed by $8.5 billion (2.2 percent) to reach $400.7 billion.
The NCUA continues to provide detailed financial data and quarterly summaries in its Credit Union Analysis section on its official website (https://www.ncua.gov/analysis). This resource includes trend graphics and spreadsheets listing federally insured credit unions that filed reports as of September 30, 2025.
The NCUA is an independent federal agency established by Congress responsible for regulating and supervising federal credit unions across the United States. It operates with full government backing through the National Credit Union Share Insurance Fund and insures deposits for more than 143 million account holders at both federal and most state-chartered credit unions.
Media inquiries can be directed to OEACmail@ncua.gov or by calling 703.518.6330.
