While commercial lending remains at strong levels, Forvis Mazars has observed certain factors that could create challenges in the future. In our latest report, “Credit Union Performance Trends: Q1 FY 2026,” Forvis Mazars explores National Credit Union Administration (NCUA) call report data (Form 5300 filers) to assist credit union industry executives in identifying significant financial trends that have developed in recent years.
What Does the Q1 FY 2026 Data Show for Credit Unions?
- Loan growth slowed across all asset tiers in Q1 FY 2026 under $10 billion, reinforcing the shift from expansion to balance‑sheet discipline as funding availability and demand both moderated.
- Net interest margins remained relatively stable quarter over quarter.
- Asset quality metrics showed modest improvement from Q4 FY 2025, with delinquency and nonperforming asset ratios stabilizing or declining, indicating manageable credit stress entering 2026.
- Capital and net worth ratios remained solid and largely unchanged, providing institutions with resilience and flexibility as economic uncertainty and growth pressures persist.
How Credit Union Leaders Can Use These Insights
In addition, we provide our analysis of these trends, designed to help credit union institutions navigate the current economic landscape and maintain robust financial health.
“Our firm works closely with credit unions to provide practical insights, trusted guidance, and tailored solutions that support sound decision making and long‑term member success.”
Chad Garber
National Credit Union Industry Leader
Access the Full Credit Union Performance Trends Report
Forvis Mazars understands that credit union executives need access to relevant peer data to help assess institutional performance.
In addition, we’re pleased to offer you a complimentary, customized report featuring your credit union’s unique performance metrics—allowing you to see how you stack up against credit unions of similar size.
Download your complimentary copy of the full report today to understand recent performance trends and the potential effects they may have on your credit union, access valuable asset size-specific benchmarking data, and see how you can receive your own personalized benchmarking report.