Total Consumer Credit Owned by Credit Unions
TOTALTCU • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
721,871.04
Year-over-Year Change
10.29%
Date Range
1/1/1943 - 6/1/2025
Summary
Total Consumer Credit Owned by Credit Unions tracks the aggregate lending volume of credit unions to individual consumers across various loan types. This metric provides critical insight into consumer borrowing trends, financial health, and credit accessibility in the United States.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
This economic indicator represents the total outstanding consumer credit held by credit unions, including personal loans, credit card balances, and other consumer lending products. Economists analyze this trend to understand consumer spending capacity, credit market dynamics, and potential economic resilience.
Methodology
Data is collected through comprehensive reporting by credit unions to federal regulatory agencies, aggregated and tracked by the Federal Reserve Economic Data (FRED) system.
Historical Context
Policymakers and financial analysts use this metric to assess consumer financial behavior, credit market conditions, and potential signals of economic expansion or contraction.
Key Facts
- Credit unions typically offer more personalized lending terms compared to traditional banks
- Consumer credit volumes reflect broader economic confidence and spending patterns
- This metric helps track potential shifts in consumer borrowing and financial strategies
FAQs
Q: What types of loans are included in this metric?
A: The metric includes personal loans, credit card balances, auto loans, and other consumer lending products offered by credit unions.
Q: How does credit union lending differ from bank lending?
A: Credit unions are member-owned, non-profit institutions that often provide more competitive rates and personalized service compared to traditional banks.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a current snapshot of credit union lending trends.
Q: Why do economists track consumer credit trends?
A: Consumer credit trends provide insights into economic health, consumer confidence, and potential future spending patterns.
Q: What are potential limitations of this data?
A: The metric only covers credit unions and does not include lending from banks, online lenders, or other financial institutions.
Related News
Gen Z In the U.S. Shifts From Spending To Saving Habits
How Gen Z's Shift from Spending to Saving is Impacting the US Economy Recent trends indicate a significant shift in the spending habits of Gen Z, w...
S&P 500 Rises With Optimistic U.S. Inflation Report
S&P 500 Soars: Positive U.S. Inflation Developments The S&P 500, a primary stock index that tracks the performance of 500 major U.S. companies, has...
U.S. Stock Market Futures Rise On Inflation and Tariff News
US Stock Market Futures Rise Amid Inflation Data and Tariff News US stock market futures are on the rise, driven by significant updates in inflatio...
U.S. Treasury Yields Decline After Inflation Data Meet Expectations
US Treasury Yields Drop as Inflation Data Meets Expectations US Treasury yields have seen a noticeable decline recently, as the latest inflation da...
U.S. Stock Market Rises Amid PCE Inflation Report Analysis
U.S. Stock Market Climbs Amidst Insights from PCE Inflation Report Investors in the U.S. stock market are focusing on the most recent PCE Inflation...
U.S. Stock Futures Stagnant Despite Positive Jobless Claims and GDP
Why US Stock Futures Remain Stagnant Despite Positive Economic Indicators The current investment landscape is puzzling for many as US stock futures...
Related Trends
Total Consumer Credit Owned by Nonprofit and Educational Institutions, Flow
FLTOTALNEI
Revolving Consumer Credit Owned and Securitized by Nonfinancial Business, Flow
DTCTLRHNXDFBANM
Nonrevolving Consumer Credit Owned by Credit Unions, Flow
FLNREVNCU
Total Consumer Credit Owned by Federal Government
TOTALGOV
Total Consumer Credit Owned and Securitized by Depository Institutions
DTCTLHDNM
Motor Vehicle Loans Owned and Securitized
MVLOASM
Citation
U.S. Federal Reserve, Total Consumer Credit Owned by Credit Unions [TOTALTCU], retrieved from FRED.
Last Checked: 8/1/2025