MADISON, Wis. — System-wide there remains adequate liquidity, but the ratio of surplus funds-to-assets has steadily eroded to its current level of 25.9%.
According to CUNA Mutual Group's August Credit Union Trends Report, surplus funds, which is cash and investments, were revised down by $1.3 billion and credit union borrowing was restated lower by $1.1 billion. The impact on liquidity was "basically neutral," said Dave Colby chief economist at CUNA Mutual. Credit unions remain very liquid with almost 56% of surplus funds scheduled to mature in one year or less.
During August, surplus funds fell $4.5 billion and CU borrowing increased by $3.2 billion.
Complete your profile to continue reading and get FREE access to CUTimes.com, part of your ALM digital membership.
Your access to unlimited CUTimes.com content isn’t changing.
Once you are an ALM digital member, you’ll receive:
- Breaking credit union news and analysis, on-site and via our newsletters and custom alerts
- Weekly Shared Accounts podcast featuring exclusive interviews with industry leaders
- Educational webcasts, white papers, and ebooks from industry thought leaders
- Critical coverage of the commercial real estate and financial advisory markets on our other ALM sites, GlobeSt.com and ThinkAdvisor.com
Already have an account? Sign In Now
© 2025 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.
