Profitability:
Filings show net income increased year over year from 2024 to 2025. Earnings growth accompanied broader increases in loans and assets.
Resilient & Sustainable Growth:
Membership, assets, deposits, and loans all rose across 2024–2025, with 2024 called a “record growth” year and continued gains in 2025. Growth moderated in 2025 but remained positive across key metrics.
Cost & Operational Efficiency:
Operating expense to average assets stayed low for a large digital institution, with only a slight uptick from 2024 to 2025. Efficiency is cited as enabling strong value delivery while scaling.
