THE LULU INDEX
2025 Q2 State of the Credit Union Industry
GenAI and NCUA-based insights on credit union lending strengths and market changes.
The LuLu Index: State of Credit Unions report delivers quarterly snapshots of the key trends and performance metrics shaping forward-thinking lending.
This analysis is sourced from the 2025 Q2 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 key economic indicators influencing trends in the credit union industry.
- Profitability and earnings: Take a look at profitability metrics such as Return on Average Assets (ROAA), Net Interest Margin (NIM), and earnings resilience amid margin pressure.
- Lending and asset quality: Explore insights into loan growth, delinquency, and charge-off trends.
- Capital adequacy and liquidity: Analyze the industry’s capital levels and assess liquidity positions—informed by rising savings rates and expanding money supply.
- Geographic highlights: Discover regional differences in lending and member growth, reflecting varied conditions across the U.S.
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