The National Credit Union Administration (NCUA) has published its third quarter state-level credit union data report for 2025. The report shows that, at the median, assets of federally insured credit unions increased by 2.6 percent over the year ending in the third quarter of 2025. Loans outstanding grew by 0.3 percent at the median during the same period, based on findings from the latest Quarterly U.S. Map Review.
Across the United States, the median loan-to-share ratio—representing total loans outstanding to total shares and deposits—stood at 70 percent at the end of the third quarter.
Aggregate credit union membership continued to rise over the year ending in Q3 2025. However, at the median, membership declined by 0.5 percent. The report notes that credit unions experiencing declining membership are typically smaller institutions; more than half had less than $50 million in assets as of Q3 2025.
Nationwide, 88 percent of federally insured credit unions reported positive net income for the year to date in Q3 2025, an increase from 85 percent during the same period in 2024.
The NCUA’s Quarterly U.S. Map Review monitors performance indicators for federally insured credit unions across all states and Washington D.C., also providing data on unemployment rates and home prices at a 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 in all federal credit unions and most state-chartered credit unions with backing from the U.S. government.
For further information or media inquiries, contact OEACmail@ncua.gov or call 703.518.6330.
