Credit unions posted increases across a wide variety of performance metrics in the third quarter, their federal regulator said Friday, compared to the same period one year earlier.
Those included, the National Credit Union Administration (NCUA) said, a net worth ratio of 11.24% (compared to 10.94% a year earlier), net income at $19.1 billion at quarter’s end (up $3.3 billion, or 21%, from a year ago), and total loans outstanding at $1.7 trillion (up $72.3 billion, or 4.4% from the year before).
The return on average assets (ROAA) for credit unions – which increased in the one-year period – was still relatively low at 81 basis points (bp), up from 69bp a year earlier.
In credit quality, the credit union numbers also show the delinquency rate at 95bp – up from 91bp a year earlier, and the net charge-off ratio at 77bp, which NCUA said was “little changed compared with the third quarter of 2024.”
The number of federally insured credit unions fell to 4,331 in the third quarter of 2025, from 4,499 a year earlier.
NCUA Releases Third Quarter 2025 Credit Union System Performance Data
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