Madison, WI (February 27, 2026) |
The Credit Union Trends Report is a quarterly "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 from TruStage™.
Q4 2025
- The economy is expected to grow above trend in 2026, while inflation is expected to remain above the Federal Reserve’s target.
- Credit union new-auto loan balances fell 0.5% in the third quarter.
- The contract interest rate on a 30-year, fixed-rate conventional home mortgage fell to 6.10% in January 2026, down from 6.96% in January 2025.
- During the year ending in the third quarter 2025 savings balances rose 5%, below the long-run annual average of 7%.
- The credit union loan delinquency rate rose to 0.94% in the third quarter of 2025.
- Credit union consolidation picked up in 2025 as the number of credit unions declined 3.7%.