A published overview on fourth-quarter results for the National Credit Union Share Insurance Fund (NCUSIF) shows the fund closing 2025 with an equity ratio equal to 1.3% of total insured shares, up 2 basis points from June 2025 but 3 basis points below the fund’s target ratio of 1.33%.
The projected equity ratio for June 2026 is 1.27%, according to the overview, which was announced Monday by the National Credit Union Administration (NCUA).
The NCUSIF – like the Federal Deposit Insurance Corp. (FDIC) does for federally insured banks – protects federally insured credit union members’ savings (shares).
Summary information in the fourth-quarter 2025 overview shows the fund ended 2025 with $24.1 billion in total assets, up $100 million from the third quarter. The NCUA said the fund reported net income of $113.8 million in the fourth quarter and $168.3 million in total income.
Additionally, it shows:
- The fund insured $1.863 trillion in shares as of year-end 2025, up 1.8% from June 2025.
- There were no credit union failures “incurring losses” to the fund in the fourth quarter 2025.
- The fund held $234 million total reserves, down $6.3 million from the third quarter.
- The NCUSIF’s portfolio yield was 2.77%, unchanged from the third quarter.
- Total composite CAMELS code 3 credit unions decreased from 668 to 653 in the fourth quarter. They held $170.5 billion in assets (down from $184 billion in the third quarter) and $144.6 billion in total insured shares (7.8% of total NCUSIF-insured shares).
- Total composite CAMELS code 4 and 5 credit unions decreased from 118 to 117. They held assets of $13.6 billion, (down from $14 billion in the third quarter) and $12 billion in insured shares (0.6% of total NCUSIF-insured shares).
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