NCUA Releases First Quarter 2026 Credit Union System Performance Data

Alexandria, VA (June 9, 2026) ― The National Credit Union Administration today released its first quarter credit union system performance data for 2026. According to the latest financial performance data report, total assets in federally insured credit unions rose by $117 billion, or 4.9 percent, over the year ending in the first quarter of 2026, to $2.48 trillion. At the same time, total loans outstanding increased $76 billion, or 4.6 percent, over the year, to $1.73 trillion. The average outstanding loan balance in the first quarter of 2026 was $19,557, up $858, or 4.6 percent, from one year earlier.

Highlights from the First Quarter 2026 NCUA Quarterly Data Summary Report include:

• The loan to share ratio stood at 81.5 percent in the first quarter of 2026, down from 81.8 percent in the first quarter of 2025.
• Net income totaled $20.4 billion at an annual rate in the year to date through the first quarter of 2026, up $4.8 billion, or 30.5 percent, compared with the same period in 2025.
• Federally insured credit unions added 2.5 million members over the year, and credit union membership in these institutions reached 145.8 million in the first quarter of 2026.
• The number of federally insured credit unions declined to 4,250 in the first quarter of 2026, from 4,411 in the first quarter of 2025. In the first quarter of 2026, there were 2,672 federal credit unions and 1,578 federally insured, state-chartered credit unions. The year-over-year decline is consistent with long-running industry consolidation trends.

NCUA makes credit union system performance data available in the Credit Union Analysis section of NCUA.gov. The analysis section includes quarterly data summaries and detailed financial information, a graphics package illustrating financial trends in federally insured credit unions, and a spreadsheet listing all federally insured credit unions that filed a call report as of March 31, 2026, including key metrics.