Q4 2025
Q4 2025 Insights
Data through December 31, 2025 · 4,374 reporting credit unionsSystem Snapshot
Total Assets
$2,456.5B
▲ 2.43% QoQ
Total Loans
$1,736.5B
▲ 1.97% QoQ
Shares & Deposits
$2,087.9B
▲ 2.64% QoQ
Net Worth Ratio
10.36%
NIM (Ann.)
3.34%
Delinquency (60+)
1.02%
ROAA (Ann.)
0.78%
NCO Ratio (Ann.)
0.77%
Articles
- Board Meeting Digest — December 2025 — NCUA's final 2025 board meeting covered the Q3 Share Insurance Fund briefing and the approved 2026–2027 budgets. Key signals: SIF equity ratio projected at 1.30%, operating fees cut 24.65%, and auto lending flagged as the system's top risk.
- Capital and the Earnings Flywheel — Q4 2025 — Net worth ratio reaches dataset high at 11.08% as four consecutive quarters of earnings retention rebuild capital buffers eroded during the deposit surge.
- Loan Growth and Portfolio Shift — Q4 2025 — Loan growth reaccelerates to 1.97% QoQ as the portfolio rotates from consumer to real estate, with the largest credit unions leading and the smallest contracting.
- Quarterly Pulse — Q4 2025 — System-wide credit union industry dashboard for the quarter ending December 31, 2025. Key metric trends across CAMELS dimensions, broken out by asset-size cohort.
Source: NCUA 5300 Call Report data.