As the economy picks up speed, inflation continues to run hot. Meanwhile, shifting loan trends and moderating mortgage rates are reshaping the financial landscape. TruStage tracks that and other key economic trends in its latest Credit Union Trends Report from Chief Economist Steven Rick.

Highlights from the Q4 2025 Credit Union Trends Report include:

• 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.
• During the year ending in the third quarter 2025 savings balances rose 5%, below the long-run annual average of 7%.
• Credit union first mortgage loan originations rose 27% in the first half of 2025 compared to the first half of 2024.
• 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%.

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 Q4 2025 Credit Union Trends Report in its entirety here.