Analysis

Delinquencies go from zero to nearly $98 million in 12 months.

The D.C.-area credit union cuts its delinquency rate by more than half with $74 million in commercial write-offs.

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.