Annual

F.114 Credit Unions

The Financial Accounts (formerly known as the Flow of Funds accounts) are a set of financial accounts used to track the sources and uses of funds by sector. They are a component of a system of macroeconomic accounts including the National Income and Product accounts (NIPA) and balance of payments accounts, all of which serve as a comprehensive set of information on the economy’s performance.(1) Some important inferences that can be drawn from the Financial accounts are the financial strength of a given sector, new economic trends, changes in the composition of wealth, and development of new financial instruments over time.(1)
Sectors are compiled into three categories: households, nonfinancial businesses, and banks. The sources of funds for a sector are its internal funds (savings from income after consumption) and external funds (loans from banks and other financial intermediaries). (1) Funds for a given sector are used for its investments in physical and financial assets. Dividing sources and uses of funds into two categories helps the staff of the Federal Reserve System pay particular attention to external sources of funds and financial uses of funds.(2) One example is whether households are borrowing more from banks—or in other words, whether household debt is rising. Another example might be whether banks are using more of their funds to provide loans to consumers. Transactions within a sector are not shown in the accounts; however, transactions between sectors are.(2) Monitoring the external flows of funds provides insights into a sector’s health and the performance of the economy as a whole.
Data for the Financial accounts are compiled from a large number of reports and publications, including regulatory reports such as those submitted by banks, tax filings, and surveys conducted by the Federal Reserve System.(2) The Financial accounts are published quarterly as a set of tables in the Federal Reserve’s Z.1 statistical release.
(1) Teplin, Albert M. “The U.S. Flow of Funds Accounts and Their Uses.” Federal Reserve Bulletin, July 2001; http://www.federalreserve.gov/pubs/bulletin/2001/0701lead.pdf.
(2) Board of Governors of the Federal Reserve System. “Guide to the Flow of Funds Accounts.” 2000, http://www.federalreserve.gov/apps/fof/.

For questions on the data, please contact the data source: https://www.federalreserve.gov/apps/ContactUs/feedback.aspx?refurl=/releases/z1/%
For questions on FRED functionality, please contact: https://fred.stlouisfed.org/contactus/

   

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    1946    
 
 
    2025
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
line 1
Gross saving 		2025 39,196 Millions of U.S. Dollars 38,300 Millions of U.S. Dollars 38,300 Millions of U.S. Dollars Mil. of U.S. $
line 2
Fixed nonresidential investment 		2025 14,908 Millions of U.S. Dollars 13,860 Millions of U.S. Dollars 13,860 Millions of U.S. Dollars Mil. of U.S. $
line 3
Net acquisition of financial assets 		2025 103,272 Millions of U.S. Dollars 46,926 Millions of U.S. Dollars 46,926 Millions of U.S. Dollars Mil. of U.S. $
line 4
Reserves at Federal Reserve 		2025 11,447 Millions of U.S. Dollars 10,510 Millions of U.S. Dollars 10,510 Millions of U.S. Dollars Mil. of U.S. $
line 5
Federal funds and security repos 		2025 -24 Millions of U.S. Dollars -2 Millions of U.S. Dollars -2 Millions of U.S. Dollars Mil. of U.S. $
line 6
Debt securities 		2025 9,936 Millions of U.S. Dollars -8,168 Millions of U.S. Dollars -8,168 Millions of U.S. Dollars Mil. of U.S. $
line 7
Open market paper 		2025 -40 Millions of U.S. Dollars 60 Millions of U.S. Dollars 60 Millions of U.S. Dollars Mil. of U.S. $
line 8
Treasury securities 		2025 2,079 Millions of U.S. Dollars -6,108 Millions of U.S. Dollars -6,108 Millions of U.S. Dollars Mil. of U.S. $
line 9
Agency- and GSE-backed securities 		2025 5,878 Millions of U.S. Dollars -6,356 Millions of U.S. Dollars -6,356 Millions of U.S. Dollars Mil. of U.S. $
line 10
Municipal securities 		2025 -472 Millions of U.S. Dollars -476 Millions of U.S. Dollars -476 Millions of U.S. Dollars Mil. of U.S. $
line 11
Corporate and foreign bonds 		2025 2,491 Millions of U.S. Dollars 4,712 Millions of U.S. Dollars 4,712 Millions of U.S. Dollars Mil. of U.S. $
line 12
Loans 		2025 70,952 Millions of U.S. Dollars 40,469 Millions of U.S. Dollars 40,469 Millions of U.S. Dollars Mil. of U.S. $
line 13
Depository institution loans n.e.c. 		2025 174 Millions of U.S. Dollars -3,482 Millions of U.S. Dollars -3,482 Millions of U.S. Dollars Mil. of U.S. $
line 14
Home mortgages 		2025 53,215 Millions of U.S. Dollars 40,700 Millions of U.S. Dollars 40,700 Millions of U.S. Dollars Mil. of U.S. $
line 15
Consumer credit 		2025 548 Millions of U.S. Dollars -12,573 Millions of U.S. Dollars -12,573 Millions of U.S. Dollars Mil. of U.S. $
line 16
Mutual fund shares 		2025 121 Millions of U.S. Dollars -948 Millions of U.S. Dollars -948 Millions of U.S. Dollars Mil. of U.S. $
line 17
Miscellaneous assets 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 18
Net increase in liabilities 		2025 88,804 Millions of U.S. Dollars 34,513 Millions of U.S. Dollars 34,513 Millions of U.S. Dollars Mil. of U.S. $
line 19
Net interbank liabilities 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 20
Checkable deposits 		2025 26,137 Millions of U.S. Dollars 9,063 Millions of U.S. Dollars 9,063 Millions of U.S. Dollars Mil. of U.S. $
line 21
Time and savings deposits 		2025 74,794 Millions of U.S. Dollars 69,649 Millions of U.S. Dollars 69,649 Millions of U.S. Dollars Mil. of U.S. $
line 22
Federal funds and security repos 		2025 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars Mil. of U.S. $
line 23
Loans (other loans and advances) 		2025 -6,986 Millions of U.S. Dollars 5,126 Millions of U.S. Dollars 5,126 Millions of U.S. Dollars Mil. of U.S. $
line 24
Miscellaneous liabilities 		2025 -5,141 Millions of U.S. Dollars -49,325 Millions of U.S. Dollars -49,325 Millions of U.S. Dollars Mil. of U.S. $
line 25
Discrepancy 		2025 9,820 Millions of U.S. Dollars 12,027 Millions of U.S. Dollars 12,027 Millions of U.S. Dollars Mil. of U.S. $
Memo:
line 26
Uninsured deposits 		2025 23,922 Millions of U.S. Dollars 19,581 Millions of U.S. Dollars 19,581 Millions of U.S. Dollars Mil. of U.S. $
   

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