Credit Union and Economic Reports
The Credit Union Trends Report and Economic Report provide a review and analysis of recent credit union financial performance and operational results in the context of recent economic activity. Data and analysis are provided to establish standards against which credit unions' own performance can be compared.
Credit Union Trends Report
The Credit Union Trends Report is a quarterly "pulse check" on the state of the credit union marketplace, often placed in a historical context. The report includes data from two months prior and is published and distributed by Steven Rick from TruStage™.
Q3 2025
- The economy is expected to see modest stagflation in 2026, as economic growth remains below trend and inflation remains above target.
- Credit union loan growth rises to 3.9% during the last year due to lower interest rates and rising credit union liquidity.
- Total consumer credit balances at all lenders rose only 0.3% over the last year, significantly below its long run average of 5%.
- Credit union new auto loan balances fell 2.3% during the first half of 2025.
- Credit union first mortgage loan originations rose 27% in the first half of 2025 compared to the first half of 2024.
- Credit union memberships growth slowed to only 0.8% in the first half of 2025, down from 1.5% in the first half of 2024.
View Trends Report Executive Summary
Past reports
Q2 2025
Credit union return-on-asset ratios averaged 0.65% in the first quarter of 2025, 2 basis points higher than the 63 basis points reported in the first quarter of 2024.
View Trends ReportFebruary 2025
Real home prices rose 3.1% in 2024, almost twice the long run pace of 1.6%.
View Trends ReportEconomic Report
Q3 2025
- Economic growth is expected to slow to 1.5% in 2026.
- Inflation is expected to remain above the Federal Reserve's 2% target for the next two years.
- The unemployment rate is expected to remain around 4.5% throughout 2026.
Download the PowerPoint version