Q3 2025

Q3 2025 Insights

Data through September 30, 2025 · 4,419 reporting credit unions

System Snapshot

Total Assets

$2,420.2B

▲ 1.07% QoQ

Total Loans

$1,717.6B

▲ 1.57% QoQ

Shares & Deposits

$2,053.2B

▲ 0.85% QoQ

Net Worth Ratio

10.25%

NIM (Ann.)

3.33%

Delinquency (60+)

0.94%

ROAA (Ann.)

0.80%

NCO Ratio (Ann.)

0.76%

Articles

  • Board Meeting Digest — September 2025 — NCUA's September board meeting covered the Q2 2025 Share Insurance Fund briefing. Key signals: SIF equity ratio at 1.28%, four failures cost 17 million, 259 staff departures (20%+ workforce reduction), and operating fees headed for a noticeable cut in 2026.
  • Quarterly Pulse — Q3 2025 — System-wide credit union industry dashboard for the quarter ending September 30, 2025. Key metric trends across CAMELS dimensions, broken out by asset-size cohort.

Source: NCUA 5300 Call Report data.