Federally insured credit unions had assets totaling $2.43 trillion during the fourth quarter of 2025, a 5.4 percent increase year-over-year, according to the latest financial performance data report from the National Credit Union Administration (NCUA).
During the fourth quarter, total outstanding loans increased $76 billion, or 4.6 percent, over the year with an average outstanding loan balance of $19,397, a 5.3 percent increase. The loan to share ratio dropped 0.8 percent to 83.2 percent.
The number of federally insured credit unions dropped to 4,287. Of those, 2,686 were federal credit unions and 1,601 were federally insured, state-chartered credit unions. Compared to 2024,
federally insured credit unions added 2.4 million members, reaching 144.7 million members.
Net income reached $18.8 billion, a 31.5 percent spike. The number of federally insured credit unions with total assets greater than $500 million increased to 739.
The National Credit Union Administration (NCUA) is an independent federal agency that regulates, charters and supervises federal credit unions. It published credit union system performance data online. The analysis section lists federally insured credit unions that filed a call report as of Dec. 31, 2025, and includes key metrics. The website also illustrates financial trends and includes quarterly data summaries and detailed financial information.