Mid-Market Credit Unions

Member engagement remained solid with growth accelerating to 2.21% from 2.03% quarter-over-quarter, while staying stable year-over-year at 2.19%. This performance significantly outpaces the national benchmark of -0.61% by 2.82 percentage points, demonstrating effective member attraction and retention strategies amid industry-wide membership challenges.

Profitability metrics showed consistent improvement with ROA increasing to 0.73% from 0.68% quarterly and 0.60% annually. NIM strengthened to 3.26% from 3.20% quarter-over-quarter and 2.96% year-over-year. While ROA trails the national benchmark by 5 basis points, the upward trajectory reflects improving operational efficiency and margin management.

Growth momentum accelerated across all key metrics in Q3 2025. Loan growth reached 5.03%, up from 4.46% quarterly and 3.13% annually. Asset growth accelerated to 4.46% from 4.18% quarterly, while deposit growth increased to 5.27% from 5.04% quarterly and 3.92% year-over-year, substantially outperforming national benchmarks.

Risk metrics remained well-controlled with delinquency rates stable at 0.76%, up marginally from 0.74% quarterly and 0.72% annually. Net worth ratio held steady at 11.14%, improving slightly from 11.09% quarterly and 10.97% year-over-year. Delinquency performance beats the national benchmark by 9 basis points, indicating sound underwriting practices.

Portfolio composition showed strategic shifts with first mortgage concentration increasing to 34.08%, up 0.77 percentage points year-over-year, significantly above the national 21.76%. Certificate concentration rose to 28.96% from 28.52% quarterly, while indirect auto lending decreased 2.96 percentage points annually to 18.77%, though still well above national levels.