Community Credit Unions

Member engagement strengthened across both timeframes, with growth accelerating to 0.79% in Q3 2025 from 0.65% in Q2 and 0.72% in Q3 2024. The cohort significantly outperformed the national benchmark, running 1.40 percentage points above the industry's declining member base, demonstrating effective member acquisition and retention strategies.

Profitability metrics showed consistent improvement, with ROA increasing to 0.68% from 0.61% quarter-over-quarter and 0.53% year-over-year. NIM similarly strengthened to 3.41% from 3.34% quarterly and 3.13% annually. While trending positively, both metrics remain below national benchmarks of 0.78% and 3.72% respectively, indicating room for further optimization.

Growth momentum accelerated significantly across all key metrics. Asset growth reached 4.04%, up from 3.88% quarterly and 2.81% annually. Loan growth surged to 4.36% from 3.73% quarterly and 1.90% yearly, while deposit growth accelerated to 4.77% from 4.52% quarterly and 2.27% annually, substantially outpacing national benchmarks.

Risk metrics remained well-controlled with delinquency rates stable at 0.79%, showing minimal movement from 0.76% quarterly and 0.78% yearly. Asset quality remains favorable at 6 basis points below the national 0.85% benchmark. However, net worth declined to 11.01%, sitting 2.66 percentage points below the national average, reflecting capital pressures from rapid growth.

Portfolio composition shifted toward traditional lending, with first mortgages increasing 0.93 pp year-over-year to 33.57%, well above the 21.76% national average. Indirect auto lending decreased 7.32 pp annually to 16.35%, though still elevated versus the 7.90% national benchmark. Certificate concentrations rose 3.03 pp to 27.46%, reflecting deposit competition pressures.