In Q2 2025, 4,224 banks held $24.57T in assets (— YoY) and 4,460 credit unions held $2.40T (+3.5%). Bank deposits were flat — against loans flat —; credit-union shares were up +4.9% against loans up +3.9%. The median bank earned a 3.63% net interest margin at a 64.4% efficiency ratio; the median credit union 3.60% at 78.0%. 222 banks and 582 credit unions reported a year-to-date loss.
| Metric | Banks | Δ YoY | Credit unions | Δ YoY |
|---|---|---|---|---|
| Institutions filing | 4,224 | — | 4,460 | — |
| Total assets | $24.57T | — | $2.40T | — |
| Asset growth YoY | — | — | +3.5% | — |
| Deposit growth YoY | — | — | +4.9% | — |
| Loan growth YoY | — | — | +3.9% | — |
| Net interest margin (median) | 3.63% | — | 3.60% | — |
| Cost of funds (median) | 2.05% | — | 1.25% | — |
| Efficiency ratio (median) | 64.38% | — | 77.97% | — |
| ROA (median) | 1.06% | — | 0.70% | — |
| Loan-to-deposit (median) | 79.79% | — | 69.94% | — |
| Capital ratio (median) | 10.78% | — | 12.27% | — |
| Nonperforming / delinquent (median) | 0.30% | — | 0.65% | — |
| Net charge-off rate (median) | 0.01% | — | 0.29% | — |
| Uninsured deposit share (median, banks) | 0.00% | — | n/a | — |
| Securities losses ÷ capital (median, banks) | 10.10% | — | n/a | — |
| Institutions losing money | 222 | — | 582 | — |
| Asset band | Institutions | Assets | Assets YoY | Deposits YoY | Loans YoY | NIM | Efficiency | ROA | Nonperforming | Losing money |
|---|---|---|---|---|---|---|---|---|---|---|
| <100M | 531 | $32.03B | — | — | — | 3.72% | 72.6% | 0.90% | 0.20% | 64 (12%) |
| 100M-500M | 1,899 | $473.56B | — | — | — | 3.74% | 65.1% | 1.09% | 0.28% | 109 (6%) |
| 500M-1B | 748 | $497.93B | — | — | — | 3.65% | 63.9% | 1.10% | 0.28% | 24 (3%) |
| 1B-10B | 886 | $2.32T | — | — | — | 3.48% | 61.6% | 1.05% | 0.36% | 22 (2%) |
| 10B+ | 160 | $21.24T | — | — | — | 3.27% | 55.8% | 1.07% | 0.45% | 3 (2%) |
| Asset band | Institutions | Assets | Assets YoY | Deposits YoY | Loans YoY | NIM | Efficiency | ROA | Nonperforming | Losing money |
|---|---|---|---|---|---|---|---|---|---|---|
| <100M | 2,504 | $73.88B | +2.9% | +2.4% | -0.4% | 3.84% | 78.9% | 0.74% | 0.65% | 398 (16%) |
| 100M-500M | 1,069 | $238.44B | +4.5% | +4.8% | +2.9% | 3.52% | 77.8% | 0.73% | 0.64% | 75 (7%) |
| 500M-1B | 282 | $194.41B | +4.2% | +4.9% | +3.9% | 3.35% | 78.2% | 0.61% | 0.66% | 25 (9%) |
| 1B-10B | 444 | $1.21T | +5.4% | +6.8% | +5.9% | 3.18% | 74.1% | 0.65% | 0.63% | 19 (4%) |
| 10B+ | 24 | $619.31B | +4.7% | +6.9% | +5.5% | 2.96% | 62.0% | 0.71% | 0.85% | 0 (0%) |
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