NCUA releases state credit union data for second quarter 2026
State-level performance data for federally insured credit unions shows asset growth and continued profitability across the U.S. in the second quarter of 2026. The new review also pairs credit union indicators with unemployment rates and home price data across all 50 states and the District of Columbia.
Highlights
- Median assets in federally insured credit unions rose 2.9% year over year through the second quarter of 2026, according to NCUA data.
- The median ratio of total loans outstanding to total shares and deposits reached 69% at the end of second quarter 2026.
- While aggregate membership increased, the median federally insured credit union reported a 0.6% membership decline and 87% recorded positive year-to-date net income.
Quarterly data tracks lending, assets and membership
As reported by the National Credit Union Administration, the agency has released its second-quarter 2026 state-level data report covering federally insured credit unions nationwide.The review shows median assets in federally insured credit unions rose 2.9% over the year ending in the second quarter of 2026. At the end of the quarter, the median ratio of total loans outstanding to total shares and deposits stands at 69%.
Membership continues to grow in the aggregate over the same period, but the median credit union records a 0.6% decline in membership. The report also says 87% of federally insured credit unions post positive year-to-date net income in the second quarter of 2026.
State indicators add broader economic context
NCUA’s Quarterly U.S. Map Review tracks performance indicators for credit unions in every state and the District of Columbia, giving a state-by-state view of operating conditions in the sector.Beyond balance sheet and membership data, the report includes two state-level economic measures, unemployment rates and home prices. That structure gives credit unions, analysts and policymakers a broader view of how local economic conditions align with sector performance.
In our earlier article on private credit stress in the middle market, we described how a monthly dashboard tracked rising default and downgrade rates alongside weaker borrower fundamentals. We noted that slowing EBITDA growth and higher leverage were increasing vulnerability for sponsor-backed companies in direct lending portfolios.
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