A Direct Line Blog

By Donya Parrish, MCU VP- Risk Management

The NCUA releases call report data each quarter. It can be accessed through their website for comparison, analysis, and let’s be honest, a little snooping on your peers. The latest release (year end 2025) numbers show some interesting trends that you might want to compare to your own credit union’s financials.

Montana’s 41 federally insured credit unions reported the following data as of year-end 2025. You can also see how our state compares to national rates:

• Net worth was 11.9%, which was higher than the national total of 11.3%, and 100% of Montana CUs have a net worth of >7% of assets
• Delinquent loans (.56%) and net charge-offs (.24%) were both below national totals of .1.02% and .78%
• Asset growth was 6% in Montana — ahead of the 5.6% growth nationally
• Member growth (1.4%) was slightly behind a national rate of 1.8%
• Loan growth in Montana (3.6%) lagged the national level (4.7%)
• Loan-to-savings ratio came in at 76.6%, somewhat behind the national 83.2%
• Average shares per member were $15,609 in state and $14,303 for the U.S.
• Loan balances averaged $24,917 here, with a national average of $19,286

What does all that mean? It depends on where your individual credit union falls compared to the state and national levels, as well as your credit union’s current goals and any other impacts you have seen in your service area. It might be a good topic of conversation for a future board meeting!

America’s Credit Unions also has some helpful data and tools on their website, including a snapshot of monthly lending estimates and a quarterly U.S. credit union profile. You can also use some of the calculators they have for peer comparison, capital planning, and the benefits of membership report. You may be required to log in to access some of the tools.

The NCUA also just released their 2025 Annual Report. It details industry statistics, shows a map of the three regional offices, and summarizes performance in various frameworks, including five and ten-year trends. Give it a read if you want to learn more about what is going on across the country with credit union financials.