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 monthly "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(opens in a new window) from CUNA Mutual Group. (Opens in a new window)

September 2021 (July data)

  • The number of credit unions fell by 99 during the first seven months of 2021, which is more than the 80 reported in the first seven months of 2020.
  • The credit union return-on-asset ratio rose to 1.11% in the first six months of 2021 at an annualized basis, up from 0.57% in the first six months of 2020. 
  • Credit unions originated a record $157 billion first mortgage loans in the first half of 2021, a 21% increase above the $130 billion in originations in the first half of 2020.

Past Reports

August 2021


The average asset size of a credit union now stands at $381.2 million, up a remarkable 22% from a year ago.

July 2021


Credit union memberships should exceed 130 million by the 4th quarter of 2021.

Economic Report

October 2021

The Economic & Credit Union Update is a monthly report on the economic factors that impact credit unions’ operations and financial performance.

  • The unemployment rate fell to 4.8% in September, slightly above the natural unemployment rate.
  • Credit union loan delinquency rates fell to 0.45% in August, the lowest level in over 25 years.
  • The nation’s personal savings fell to 9.4% in August from 10.1% in July.  
  • Credit union loan growth is running at a 5.5% pace this year, but is expected to rise to 9% in 2022.
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