Analysis

The pre-merger First Tech's commercial delinquency rate ends the year at 6%, but Digital's Jan. 1 acquisition lowers the new credit union's rate to 3%.

Two big mergers will be changing the names of the 10 largest credit unions by assets.

Fourth-quarter results have the same high net interest margins as the third quarter, but loan loss provisions rise and non-interest income falls.

The latest numbers from 2025 reveal the thrill of commercial lending growth along with a bit of anxiety over deteriorating loan quality.

While core financial and operational risks remain unchanged, the agency's 2026 supervisory priorities reflect a move toward streamlined, risk-tailored exams compared with the more compliance-driven focus of 2025.

Multi-billion-dollar mergers are reshaping the landscape. Where is the movement headed?