Credit union loan balances are expected to grow 5% in 2025, up from 2.8% in 2024, while loan delinquency rates will fall to 0.90%, from 0.99% today. TruStage tracks that and other key economic trends in its latest Credit Union Trends Report.

Highlights from the February 2025 (December 2024 data) Credit Union Trends Report include:

• Real home prices rose 3.1% in 2024, almost twice the long run pace of 1.6%.
• The credit union movement’s equity-to-asset ratio ended 2024 at 9.7%, up from the 9.1% reported at year-end 2023.
• The personal savings rates averaged only 4.6% recently, below the 6% long run average, creating a headwind for credit union deposit growth.

The trends report includes data from the previous two months and is published and distributed by Steven Rick, Chief Economist from TruStage. You can review the February 2025 Credit Union Trends Report in its entirety here.

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