GenAI and NCUA-based insights into credit union lending strengths and market shifts.

The LuLu Index: State of Credit Unions report delivers quarterly snapshots of the key trends and metrics shaping forward-thinking lending. This analysis is sourced from the 2025 Q1 NCUA Call Report data and LuLu Pulse, your generative AI lending intelligence companion.

Get access to:

• The national industry snapshot: Get an overview of members, total assets, and ongoing trends in the industry.
• Profitability and earnings: Understand key profitability metrics, including Return on Average Assets (ROAA) and Net Interest Margin (NIM).
• Lending and asset quality: Explore insights into loan growth, delinquency rates across loan types, and net charge-off trends.
• Capital adequacy and liquidity: Analyze the industry’s capital levels, and assess liquidity positions driven by shares and deposits.
• Geographic highlights: Discover regional variations in performance, highlighting different economic conditions and operational landscapes across the country.

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