NCUA data shows credit union assets, loans and deposits rise in second quarter
Federally insured credit unions expand their balance sheets in the second quarter of 2026, with assets, loans and deposits all increasing from a year earlier. The figures also show slightly higher delinquency levels, while the loan-to-share ratio edges down from the same period in 2025.
Highlights
- Federally insured credit union assets increase $120 billion, or 5.0 percent, year-over-year to $2.50 trillion in the second quarter of 2026.
- Total loans outstanding rise $82 billion, or 4.9 percent, to $1.76 trillion, with average outstanding loan balances up 5.2 percent to $19,906.
- Delinquency rate grows 6 basis points to 96 basis points, while the net charge-off ratio holds steady at 78 basis points, indicating stable but slightly pressured credit quality.
Second-quarter system figures
As reported by National Credit Union Administration, total assets at federally insured credit unions rise by $120 billion, or 5.0 percent, over the year ending in the second quarter of 2026 to $2.50 trillion. Total loans outstanding increase $82 billion, or 4.9 percent, to $1.76 trillion, while the average outstanding loan balance reaches $19,906, up $978, or 5.2 percent, from one year earlier.Insured shares and deposits rise $80 billion, or 4.3 percent, over the year to $1.91 trillion. The agency says these figures are part of its second quarter 2026 Quarterly Data Summary Report on the credit union system.
Asset quality and sector implications
The delinquency rate at federally insured credit unions stands at 96 basis points in the second quarter of 2026, up 6 basis points from one year earlier. The net charge-off ratio is 78 basis points, little changed from the second quarter of 2025.The loan-to-share ratio stands at 82.9 percent, compared with 83.1 percent a year earlier. Together, the data points indicate continued lending growth across the sector, alongside modest pressure on credit quality metrics.
Our earlier coverage of the expected Federal Reserve rate hike explained how a 25-basis-point increase—driven by inflation running above target—can filter through to higher borrowing costs for credit cards, auto loans and some mortgages, while potentially lifting returns on savings. We also outlined how market expectations and Treasury yields influence mortgage pricing and why investors were focused not only on the decision but also on the Fed’s guidance for the path of rates and inflation risks.
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