In Q1 2025, 4,220 banks held $23.90T in assets (— YoY) and 4,505 credit unions held $2.39T (—). Bank deposits were flat — against loans flat —; credit-union shares were flat — against loans flat —. The median bank earned a 3.55% net interest margin at a 65.8% efficiency ratio; the median credit union 3.52% at 79.6%. 247 banks and 733 credit unions reported a year-to-date loss.
| Metric | Banks | Δ YoY | Credit unions | Δ YoY |
|---|---|---|---|---|
| Institutions filing | 4,220 | — | 4,505 | — |
| Total assets | $23.90T | — | $2.39T | — |
| Asset growth YoY | — | — | — | — |
| Deposit growth YoY | — | — | — | — |
| Loan growth YoY | — | — | — | — |
| Net interest margin (median) | 3.55% | — | 3.52% | — |
| Cost of funds (median) | 2.06% | — | 1.22% | — |
| Efficiency ratio (median) | 65.75% | — | 79.64% | — |
| ROA (median) | 1.01% | — | 0.61% | — |
| Loan-to-deposit (median) | 78.39% | — | 68.88% | — |
| Capital ratio (median) | 10.64% | — | 12.01% | — |
| Nonperforming / delinquent (median) | 0.27% | — | 0.58% | — |
| Net charge-off rate (median) | 0.00% | — | 0.27% | — |
| Uninsured deposit share (median, banks) | 0.00% | — | n/a | — |
| Securities losses ÷ capital (median, banks) | 11.10% | — | n/a | — |
| Institutions losing money | 247 | — | 733 | — |
| Asset band | Institutions | Assets | Assets YoY | Deposits YoY | Loans YoY | NIM | Efficiency | ROA | Nonperforming | Losing money |
|---|---|---|---|---|---|---|---|---|---|---|
| <100M | 529 | $32.00B | — | — | — | 3.63% | 73.1% | 0.88% | 0.16% | 68 (13%) |
| 100M-500M | 1,898 | $469.57B | — | — | — | 3.65% | 66.7% | 1.03% | 0.25% | 119 (6%) |
| 500M-1B | 747 | $493.26B | — | — | — | 3.54% | 65.1% | 1.04% | 0.26% | 25 (3%) |
| 1B-10B | 886 | $2.30T | — | — | — | 3.39% | 63.3% | 1.01% | 0.34% | 32 (4%) |
| 10B+ | 160 | $20.60T | — | — | — | 3.23% | 56.6% | 1.08% | 0.45% | 3 (2%) |
| Asset band | Institutions | Assets | Assets YoY | Deposits YoY | Loans YoY | NIM | Efficiency | ROA | Nonperforming | Losing money |
|---|---|---|---|---|---|---|---|---|---|---|
| <100M | 2,501 | $73.79B | — | — | — | 3.76% | 80.0% | 0.67% | 0.56% | 458 (18%) |
| 100M-500M | 1,067 | $236.80B | — | — | — | 3.43% | 79.6% | 0.64% | 0.57% | 108 (10%) |
| 500M-1B | 282 | $193.43B | — | — | — | 3.25% | 80.3% | 0.52% | 0.58% | 40 (14%) |
| 1B-10B | 444 | $1.20T | — | — | — | 3.12% | 75.6% | 0.55% | 0.57% | 36 (8%) |
| 10B+ | 24 | $613.15B | — | — | — | 2.92% | 64.6% | 0.72% | 0.74% | 0 (0%) |
The screener filters every one of these institutions by state, size and ratio; pending deals and deposit markets show where the change is happening.
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