The National Credit Union Administration published its Quarterly Credit Union Data Summary for 2025 Q2, which breaks down key metrics of federally-insured credit unions, in most cases compared with the same quarter the year before.
Total outstanding loans has increased by $64 billion in the last year though not at the same rate as shares and deposits, which have increased by $71 billion since Q2 2024. As a result, loan to share ratio has remained steady at 83.1 percent, still down from the 84.0 percent from the second quarter of 2024. All the same, net income is on the rise, reaching $17.7 billion, a return to 2023 levels before a dip in 2024.
Unsurprisingly, the number of federally-insured credit unions continues its downward trend, decreasing by 41 since the last quarterly report. For those keeping tally, that’s 163 down since this time last year, which as the NCUA notes is “consistent with long-running industry consolidation trends.”
By contrast, total membership is up 2.8 million members over the last year, reaching 143.8 million members total.
Speaking on the numbers, Chairman Kyle Hauptman said, “Over the last four quarters the credit union system saw solid growth in assets, loans, and deposits reflecting the viability and resilience of credit unions. This upward trend is important as it signals a robust credit environment, enabling more credit union members and businesses to access funds for growth and investment. Also, strong deposit data enhances credit union liquidity and reinforces stability across the credit union system.”
For the complete breakdown of quarterly stats, visit the NCUA website.
