Credit Unions – Industry Analysis, Statistics, Trends, and Forecasts
See the following sections listed below to view available resources by category:
For guides to other industries, see our index of over 400 industries.
Industry Analysis, Statistics, Trends, and Forecasts
- Market size and major product and service segments
- Key industry statistics, trends, and financial ratios
- Operating conditions and current performance
- Competitive landscape and environment
- Major company profiles and market shares
- Five-year outlook and growth forecasts
Credit Union National Association
Publications available from this organization include:
Monthly Estimates
https://www.cuna.org/
Monthly report provides a snapshot of credit union financial and operating results
on a national basis, with current and historical data provided
including total loans, surplus funds, assets, savings, capital, borrowings,
and other liabilities, distribution of surplus funds, revenue and expense ratios,
loan rates and distribution of loans, savings market data, and credit market data.
Report is available free online.
U.S. Profile Report
https://www.cuna.org/
Quarterly trend report provides a detailed analysis of credit union financial and
operating results on a national and state level, with current and
historical data provided including demographic information, growth rates,
earnings, capital adequacy, asset quality, asset and liability management, productivity,
structure, and portfolio distribution and offerings. National and
state reports are available free online.
Economic Forecast
https://www.cuna.org/
Quarterly presentation provides historical statistics and forecasts for credit unions
on a quarterly and annual basis, with forecast metrics including growth rates (e.g.,
savings, loans, assets, membership), liquidity (e.g., loan-to-share ratio), asset
quality (e.g., delinquency rate, net charge-off rate), earnings (e.g., return on
assets), and capital adequacy (e.g., net worth ratio). Forecast is available free
online.
National Association of Federal Credit Unions
Publications available from this trade association include:
Economic & CU Monitor
https://www.nafcu.org/
Monthly newsletter features analysis and commentary on the economic and financial
trends affecting NAFCU members, with contents including the credit union sentiment index
which provides a monthly measure of its members' views on
growth, loan conditions, and regulatory burden, current economic
and business conditions, highlights of critical trends, and economic and business
condition forecasts.
CU Industry Trends
https://www.nafcu.org/
Quarterly publication is a benchmarking tool designed to help members compare themselves to their
peers and remain competitive in the marketplace, with measures
covered in the report on a national, regional, state, and asset class
basis including membership, loan and share growth, liquidity, capital,
return on average assets, and loan performance. Sample prior year report can be
viewed free online.
Annual Report
https://www.nafcu.org/
Annual report provides insights on issues and trends affecting the industry and
the impact of Federal Reserve actions, with topics covered in the report including credit union financial
conditions and their role in the economy, trends in membership,
product offerings and services to members, and NACFU policy priorities. Current
and archived issues of the report can be downloaded and viewed free online.
BizMiner Market Analysis Reports
Credit Unions
https://www.bizminer.com Search for "522130" to see available reports
Market analysis reports provide industry statistics for a user-defined area on a national, state, county, metro area, or zip code level, with data provided including number of companies, market volume and sales trends, average company sales, sales per employee, staffing and employment trends, average employee wage, and business start up activity and failure rates. Sample report can be viewed online.
Financial Statements and Financial Ratios
BizMiner Industry Financial Ratios
Credit Unions
https://www.bizminer.com Search for "522130" to see available reports
- Income and expenses in dollars and percentages
- Balance sheets in dollars and percentages
- Profitability and return on investment ratios
- Liquidity and working capital ratios
- Asset turnover and efficiency ratios
- Capital structure and debt service ratios
IBISWorld Research Reports
Industry Financial Ratios
(see links for individual reports)
Key statistics section of these reports provides detailed income statements and balance sheets on a common-size basis and an array of industry financial ratios, with the financial ratio data presented on an annual basis for the four most recent years for which data is available and on a historical average basis over three-year, five-year, and ten-year time periods. Sample report can be viewed free online.
National Association of Federal Credit Unions
CU Performance Benchmark / Operating Expense Reports
https://www.nafcu.org/research/cuperformance/
Quarterly benchmark reports let users compare their firm's financial and operating performance with other similar firms based on asset class and region, with financial performance benchmarks covered in the reports including net margin, net interest margin, loan yield, investment yield, return on assets, and return on equity. Reports are accessible by members only; sample reports can be viewed online.
Compensation and Salary Surveys
Credit Union National Association
CUNA CEO/Senior Executive Total Compensation Reports / CUNA Staff Salary Reports
https://www.cuna.org/
Compensation surveys provide base pay, bonus and incentive, and total cash compensation data for chief executive officers, senior executives, and other personnel, with compensation data provided for job positions broken out by asset size, geographic region, number of full-time employees, number of services offered, amount of loans outstanding, number of members, and number of branch locations.
Credit Union Executives Society
CUES Executive / Employee Compensation Surveys
https://www.cues.org/
Online subscription service provides base salary, bonus, and total compensation data for executives and other personnel, with compensation data for individual job positions filterable by selected criteria (e.g., asset size, membership size, field of membership, experience, state, region) for benchmarking purposes. Employee job descriptions for positions covered in each survey can be viewed free online.
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