In Q3 2025, 4,224 banks held $24.76T in assets (+5.4% YoY) and 4,419 credit unions held $2.42T (+3.7%). Bank deposits were up +5.3% against loans up +7.2%; credit-union shares were up +5.0% against loans up +4.4%. The median bank earned a 3.68% net interest margin (+0.28 pts YoY) at a 63.6% efficiency ratio; the median credit union 3.67% (+0.20 pts) at 77.1%. 205 banks and 527 credit unions reported a year-to-date loss.
| Metric | Banks | Δ YoY | Credit unions | Δ YoY |
|---|---|---|---|---|
| Institutions filing | 4,224 | +9 | 4,419 | -177 |
| Total assets | $24.76T | +5.4% | $2.42T | +3.7% |
| Asset growth YoY | +5.4% | — | +3.7% | — |
| Deposit growth YoY | +5.3% | — | +5.0% | — |
| Loan growth YoY | +7.2% | — | +4.4% | — |
| Net interest margin (median) | 3.68% | +0.28 pts | 3.67% | +0.20 pts |
| Cost of funds (median) | 2.03% | -0.14 pts | 1.26% | +0.06 pts |
| Efficiency ratio (median) | 63.60% | -4.06 pts | 77.11% | -1.31 pts |
| ROA (median) | 1.10% | +0.16 pts | 0.74% | +0.11 pts |
| Loan-to-deposit (median) | 79.87% | +0.25 pts | 70.41% | -1.21 pts |
| Capital ratio (median) | 10.79% | +0.16 pts | 12.48% | +0.40 pts |
| Nonperforming / delinquent (median) | 0.31% | +0.06 pts | 0.67% | +0.02 pts |
| Net charge-off rate (median) | 0.02% | +0.01 pts | 0.31% | +0.02 pts |
| Uninsured deposit share (median, banks) | 0.00% | 0.00 pts | n/a | — |
| Securities losses ÷ capital (median, banks) | 7.50% | -2.50 pts | n/a | — |
| Institutions losing money | 205 | -45 | 527 | -162 |
| Asset band | Institutions | Assets | Assets YoY | Deposits YoY | Loans YoY | NIM | Efficiency | ROA | Nonperforming | Losing money |
|---|---|---|---|---|---|---|---|---|---|---|
| <100M | 531 | $32.27B | +2.8% | +3.3% | +3.6% | 3.73% | 71.9% | 0.93% | 0.24% | 60 (11%) |
| 100M-500M | 1,899 | $480.27B | +4.8% | +5.4% | +6.5% | 3.79% | 64.2% | 1.12% | 0.29% | 97 (5%) |
| 500M-1B | 748 | $505.75B | +5.0% | +5.5% | +6.0% | 3.70% | 63.1% | 1.16% | 0.30% | 20 (3%) |
| 1B-10B | 886 | $2.37T | +5.7% | +6.8% | +6.8% | 3.55% | 60.9% | 1.10% | 0.37% | 24 (3%) |
| 10B+ | 160 | $21.37T | +5.3% | +5.1% | +7.3% | 3.31% | 55.8% | 1.09% | 0.47% | 4 (3%) |
| Asset band | Institutions | Assets | Assets YoY | Deposits YoY | Loans YoY | NIM | Efficiency | ROA | Nonperforming | Losing money |
|---|---|---|---|---|---|---|---|---|---|---|
| <100M | 2,506 | $73.86B | +3.3% | +2.7% | +0.0% | 3.91% | 78.2% | 0.77% | 0.66% | 380 (15%) |
| 100M-500M | 1,069 | $239.35B | +4.7% | +4.7% | +3.7% | 3.59% | 77.0% | 0.77% | 0.68% | 70 (7%) |
| 500M-1B | 282 | $195.43B | +3.9% | +4.8% | +4.3% | 3.41% | 77.6% | 0.65% | 0.68% | 18 (6%) |
| 1B-10B | 445 | $1.23T | +5.5% | +6.7% | +6.1% | 3.22% | 73.2% | 0.70% | 0.66% | 16 (4%) |
| 10B+ | 24 | $625.30B | +4.5% | +7.0% | +5.6% | 2.99% | 60.9% | 0.76% | 0.93% | 0 (0%) |
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