Q2 2025

Q2 2025 Insights

Data through June 30, 2025 · 4,460 reporting credit unions

System Snapshot

Total Assets

$2,401.5B

▲ 0.64% QoQ

Total Loans

$1,696.1B

▲ 1.80% QoQ

Shares & Deposits

$2,041.6B

▲ 0.22% QoQ

Net Worth Ratio

9.97%

NIM (Ann.)

3.28%

Delinquency (60+)

0.90%

ROAA (Ann.)

0.75%

NCO Ratio (Ann.)

0.78%

Articles

  • Board Meeting Digest — July 2025 — NCUA's July board meeting covered AI adoption in the credit union system, post-exam survey results, and the Central Liquidity Facility. Key signals: permissive-but-unguided AI stance, CLF membership up 28%, and 41% of CUs report duplicate exam data requests.
  • Quarterly Pulse — Q2 2025 — System-wide credit union industry dashboard for the quarter ending June 30, 2025. Key metric trends across CAMELS dimensions, broken out by asset-size cohort.

Source: NCUA 5300 Call Report data.