NCUA headquarters, Washington, D.C. Credit/NCUA
The NCUA Board received its quarterly update on the National Credit Union Share Insurance Fund at Thursday’s meeting, underscoring the regulator’s continued operational focus despite uncertainty at the top.
Acting CFO Melissa Lowden reported that the fund generated $82 million in net income during the second quarter of 2025 and held $23.2 billion in total assets as of June 30. The equity ratio stood at 1.28%, down two basis points from year-end 2024, reflecting 2.9% growth in insured shares. Lowden emphasized that the fund could absorb losses of up to $1.4 billion without breaching the statutory 1.20% equity ratio threshold that would trigger mandatory corrective action.
“There’s a lot of good news happening across the credit union system and the second quarter performance of the Share Insurance Fund is encouraging,” Hauptman said, noting that growth in assets and readiness for unexpected shocks remain essential for member confidence.
The briefing also highlighted the agency’s Share Insurance Fund dashboard, an interactive tool that allows the public to track key performance indicators. Lowden added that the NCUA expects to end 2025 about $7 million under budget, even after accounting for $13.6 million in costs related to staff departures under its Voluntary Separation Program.
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