Federally insured credit unions (FICUs) grew total assets to $2.43 trillion in 2025, up $126 billion, or 5.4%, from calendar 2024, the National Credit Union Administration said in fourth-quarter data released Friday.
The data show that FICUs’ net income totaled $18.8 billion in 2025, up $4.5 billion, or 31.5%, compared with 2024. Return on average assets (ROAA) was 79 basis points (bp) in 2025, up from 63 bp in 2024. (Median ROAA was 72 bp, up 11 bp.)
Meanwhile, FICUs’ net interest margin grew, totaling $80.4 billion in 2025, or 3.39% of average assets, up from $71.2 billion (at an annual rate), or 3.12% of average assets, in 2024.
The data also show that:
- FICU loans totaled $1.72 trillion at year-end, up $76 billion, or 4.6%, from year-end 2024. (The average outstanding loan balance was $19,397, up $984, or 5.3%, from a year ago.)
- Deposits totaled $2.1 trillion, up $108.4 billion, or 5.5%, from year-end 2024.
- Federally insured shares and deposits totaled $1.86 trillion, up $83 billion, or 4.7%, from year-end 2024.
- Return on average assets (ROAA) was 79 basis points (bps) in 2025, up from 63 bp in 2024. Median ROAA was 72 bps, up 11 bps.
- The delinquency rate at FICUs was 103 bps in the fourth quarter of 2025, up 5 bps from a year ago.
- The net charge-off ratio was 78 bps, down 2 bps from a year ago.
- The net interest margin grew, totaling $80.4 billion in 2025, or 3.39% of average assets, up from $71.2 billion, or 3.12% of average assets, in 2024.
- The data also show that the loan-to-share ratio ended 2025 at 83.2%, down from 84% in the fourth quarter of 2024.
- FICUs’ net worth ratio was 11.26% in the fourth quarter of 2025, down from 11.07% a year ago.
NCUA Releases Fourth Quarter 2025 Credit Union System Performance Data
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