United Nations Federal Credit Union (5588), a $10.1B credit union headquartered in Long Island Cit, NY, led by CEO Agnone, reported $9.1B in member deposits at the end of 2025 Q3, an increase of $423.8M (+4.9%) compared to the same quarter last year.
The credit union's 67.2% loan-to-share ratio represents a balanced approach between deploying deposits into loans and maintaining adequate liquidity.
Taken together: funding position remains adequate for current lending levels.
Deposit Composition
United Nations Federal Credit Union's deposit portfolio is led by Regular Shares, comprising 49.9% of total deposits—basic savings accounts with no withdrawal restrictions. The heavy concentration in liquid shares provides operational flexibility but may pressure net interest margin in a rising rate environment.
Deposit Portfolio Breakdown
| Deposit Type | Balance | % of Total | YoY Growth |
|---|---|---|---|
| Regular Shares | $4.6B | 49.9% | +2.8% |
| Share Certificates | $3.2B | 34.7% | +8.5% |
| Share Drafts | $1.4B | 14.9% | +3.5% |
| Other Shares | $28.3M | 0.3% | +17.2% |
| IRA/KEOGH | $13.8M | 0.2% | -1.0% |
Source: NCUA 5300 Call Reports (2025_Q3)
Quarterly Deposit Trends
Moderate deposit growth suggests stable member relationships balanced with competitive pricing pressures.
Quarterly Trend
| Period | Total Deposits | QoQ Change | Avg/Member |
|---|---|---|---|
| 2024 Q2 | $8.6B | $36K | |
| 2024 Q3 | $8.7B | +1.9% | $36K |
| 2024 Q4 | $8.8B | +1.3% | $36K |
| 2025 Q1 | $9.0B | +1.4% | $35K |
| 2025 Q2 | $9.1B | +1.1% | $35K |
| 2025 Q3 | $9.1B | +1.0% | $35K |
Source: NCUA 5300 Call Reports
Member Deposit Metrics
United Nations Federal Credit Union serves 260,307 members, an increase of 5.9% year-over-year. The average member deposit of $35K has declined 1.0% compared to last year.
Member growth outpacing deposit growth may indicate acquisition of lower-balance members or competitive pressure on rates.
Historical Context: Since the 2008 Crisis
United Nations Federal Credit Union's deposit base has grown 278% since Q3 2008, when the financial crisis was at its peak. At that time, the credit union held $2.4B in member deposits serving 80,859 members.
Membership has expanded 222% over this period, demonstrating strong community trust and successful member acquisition.
Peer Comparison
Among 71 credit unions in its $5.1B–$15.2B asset peer group, United Nations Federal Credit Union ranks in the 42nd percentile for deposit growth.
Outlook
United Nations Federal Credit Union's deposit trajectory will depend on rate competitiveness, member retention efforts, and the broader economic environment affecting member savings behavior.
United Nations Federal Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether this deposit growth trajectory can be sustained.
Track This Credit Union
Monitor United Nations Federal Credit Union's quarterly deposit performance, member metrics, and share composition with Finleet Terminal.
Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Average deposit calculated as total shares and deposits divided by total members.