Credit Union โSystem Shows Strong โGrowth in Second Quarter of 2025, NCUA Reports
WASHINGTON, D.C. (September 5, 2025) โ- Federally insured credit unions demonstrated โคrobust financial health in the second quarter of โ2025, with significant gains in assets, loans, and deposits, according to data released โtoday by the National Credit Union Administration (NCUA). The findings signal continued stability โคand growth within the credit union sector, benefiting members and supporting โeconomic activity.
Total assetsโ across โขall federally insured credit unions reached $2.38 trillion โคas of June 30, 2025 – a 3.6 percentโฃ increase, orโ $82 billion, compared to the same period lastโข year. โขLending โactivity also rose, with total loans outstanding climbingโ 3.9 percent, adding $64 billion to reach $1.68 trillion. Simultaneously, insured sharesโฃ and deposits grew by 4.0 percent, totaling $1.83 โtrillionโฃ – โan increase of $71 billion year-over-year.
“Over the last four quarters the credit union system sawโค solid growth in assets, loans, andโค deposits reflecting the โขviabilityโฃ and resilience of credit unions,” said โฃNCUA Chairman โขKyle Hauptman. “This upward trend is important as it signals a robust credit habitat, enabling more credit union members and businesses to access funds for growthโฃ and investment.Also, strong โdeposit dataโฃ enhances credit union liquidity and reinforces stabilityโ across the credit union โsystem.”
Further analysis fromโค the NCUA’s Second Quarter 2025 Quarterly Data Summary report reveals a strengthening financial position for credit unions. The system’s net worth ratioโข improved to 11.11 percent, up from 10.84 percent a year prior (this ratio excludes โthe impact ofโข the Current Expectedโ Credit Loss, โขor CECL, transition provisionโฃ beginning in the first quarter of โฃ2023).
Netโ income for the year-to-date through the second โฃquarter โtotaledโฃ $17.7 billion, representing a 13.2 percent, or $2.1 billion, increase compared to the same period in 2024. โMembership alsoโค continued to expand, withโค 2.8 โคmillion โขnew members joining federally insured creditโฃ unions,โฃ bringing total โmembership to 143.8 million โขas of June 30, 2025.Cash holdingsโ increased by โค1.2 percent, reachingโค $192.0 billion, or a $2.3 billion increase.
The NCUA provides โฃthorough data and analysisโ on the credit union systemโ through its website, NCUA.gov. This includes quarterly data summaries, detailed financial facts, visual representations โof financial trends, and โขa downloadableโฃ spreadsheet listing all federally insured โcredit unionsโ that filedโฃ a callโข report as of June 30, 2025, complete with key performance metrics. โค Resources are โavailable in the Creditโข Union Analysis section and specifically at quarterly dataโฃ summaries โค and financial trends.The full Second Quarter 2025 NCUA Quarterly โData Summary โReport can be found here.