The National Credit Union Administration (NCUA) has published its fourth quarter 2025 credit union system performance data. The report shows that total assets in federally insured credit unions increased by $126 billion, or 5.4 percent, over the year to reach $2.43 trillion at the end of 2025. Total loans outstanding grew by $76 billion, or 4.6 percent, reaching $1.72 trillion for the same period. The average outstanding loan balance was $19,397 in the fourth quarter of 2025, an increase of $984, or 5.3 percent, from one year earlier.
According to the NCUA Quarterly Data Summary Report for the fourth quarter of 2025:
– The loan to share ratio was 83.2 percent, a decrease from 84.0 percent in the previous year.
– Federally insured credit unions added 2.4 million members during the year, bringing total membership to 144.7 million.
– Net income reached $18.8 billion in 2025, which is up by $4.5 billion or 31.5 percent compared with 2024.
– The number of complex federally insured credit unions—those with assets greater than $500 million—increased from 728 to 739.
– The total number of federally insured credit unions declined from 4,455 to 4,287 over the year; this includes both federal and state-chartered institutions and continues a trend of industry consolidation.
The NCUA provides access to detailed performance data through its Credit Union Analysis section on NCUA.gov, which includes quarterly summaries and other financial information.
The agency was established by Congress to regulate, charter and supervise federal credit unions and manages the Share Insurance Fund that insures deposits for more than 145 million account holders nationwide.
The NCUA functions as a U.S. government agency (official website). It guarantees safe deposits and offers regulatory oversight for federally insured credit unions (official website). Kyle Hauptman serves as chairman of the NCUA Board (official website). The agency charters new credit unions and provides oversight across all federally insured institutions (official website), offering tools such as the Share Insurance Estimator and CUOnline for coverage details and financial submissions (official website).
For further information about media inquiries: OEACmail@ncua.gov or call 703.518.6330.
