The National Credit Union Administration (NCUA) has released its state-level credit union data report for the second quarter of 2025. The report shows that, among federally insured credit unions, both assets and shares and deposits grew at the median over the year ending in the second quarter of 2025. However, loans outstanding saw a slight decline during this period, according to the NCUA’s latest Quarterly U.S. Map Review.
Nationally, the median loan-to-share ratio stood at 70 percent at the end of the second quarter of 2025.
While total credit union membership increased in aggregate over the past year, median membership fell by 0.5 percent. The report notes that most credit unions experiencing declining membership are small institutions; more than half had less than $50 million in assets as of the second quarter.
Across the country, 87 percent of federally insured credit unions reported positive net income for the year to date in the second quarter of 2025. This is an increase from 84 percent during the same period in 2024.
The NCUA’s Quarterly U.S. Map Review provides performance indicators for federally insured credit unions across all states and Washington, D.C., and includes data on unemployment rates and home prices at the state level.
The NCUA is an independent federal agency established by Congress to regulate, charter, and supervise federal credit unions. It manages the National Credit Union Share Insurance Fund, which insures deposits for more than 143 million account holders nationwide.
