Credit union loans outstanding increased 0.6% in December, compared to a 0.4% increase in November of 2024 and a 0.3% decrease in December of 2023, according to America’s Credit Unions latest Monthly Credit Union Estimates. Estimates are based on information from a monthly sample of credit unions and are revised whenever more complete data is available.

Adjustable-rate mortgages led loan growth during the month rising 2.9%, followed by credit card loans (2.7%), other mortgage loans (2.4%), home equity loans (1.6%), and unsecured personal loans (0.5%).

On the decline were new auto loans (-0.1%), other fixed rate mortgages (-0.2%), and used auto loans (-0.2%).

Credit union savings balances decreased 0.1% in December, compared to a 1.0% increase in November of 2024 and a 0.7% increase in December of 2023.

One-year certificates led savings growth during the month rising to 1.2%, followed by individual retirement accounts (0.7%), and regular shares (0.04%). On the decline were money market accounts (-0.1%) and share drafts (-2.0%).

Credit unions’ 60+ day delinquency increased to 1.0% in December.

The loan-to-savings ratio increased from 83.4% in November to 83.8% in December. The liquidity ratio (the ratio of surplus funds maturing in less than one year to borrowings plus other liabilities) decreased from 15.0% in November to 14.1% in December.

Total credit union memberships increased 0.2% in December to 145 million.

The movement’s overall capital-to-asset ratio increased to 9.7% in December. The total dollar amount of capital increased by 0.3% to $229.7 billion.