Quarterly

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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    Q4 1946    
 
 
    Q3 2025
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
line 1
Gross saving 		Q3 2025 39,329 Millions of U.S. Dollars 38,915 Millions of U.S. Dollars 38,403 Millions of U.S. Dollars Mil. of U.S. $
line 2
Fixed nonresidential investment 		Q3 2025 15,086 Millions of U.S. Dollars 14,750 Millions of U.S. Dollars 14,060 Millions of U.S. Dollars Mil. of U.S. $
line 3
Net acquisition of financial assets 		Q3 2025 84,247 Millions of U.S. Dollars 85,056 Millions of U.S. Dollars 27,972 Millions of U.S. Dollars Mil. of U.S. $
line 4
Reserves at Federal Reserve 		Q3 2025 -33,968 Millions of U.S. Dollars -93,372 Millions of U.S. Dollars -31,980 Millions of U.S. Dollars Mil. of U.S. $
line 5
Federal funds and security repos 		Q3 2025 -4 Millions of U.S. Dollars -100 Millions of U.S. Dollars -12 Millions of U.S. Dollars Mil. of U.S. $
line 6
Debt securities 		Q3 2025 4,453 Millions of U.S. Dollars 19,980 Millions of U.S. Dollars -23,300 Millions of U.S. Dollars Mil. of U.S. $
line 7
Open market paper 		Q3 2025 -240 Millions of U.S. Dollars 160 Millions of U.S. Dollars 204 Millions of U.S. Dollars Mil. of U.S. $
line 8
Treasury securities 		Q3 2025 4,508 Millions of U.S. Dollars 5,208 Millions of U.S. Dollars -14,600 Millions of U.S. Dollars Mil. of U.S. $
line 9
Agency- and GSE-backed securities 		Q3 2025 1,041 Millions of U.S. Dollars 13,744 Millions of U.S. Dollars -8,520 Millions of U.S. Dollars Mil. of U.S. $
line 10
Municipal securities 		Q3 2025 -1,084 Millions of U.S. Dollars -100 Millions of U.S. Dollars 204 Millions of U.S. Dollars Mil. of U.S. $
line 11
Corporate and foreign bonds 		Q3 2025 228 Millions of U.S. Dollars 968 Millions of U.S. Dollars -588 Millions of U.S. Dollars Mil. of U.S. $
line 12
Loans 		Q3 2025 86,797 Millions of U.S. Dollars 98,364 Millions of U.S. Dollars 51,478 Millions of U.S. Dollars Mil. of U.S. $
line 13
Depository institution loans n.e.c. 		Q3 2025 2,143 Millions of U.S. Dollars 3,112 Millions of U.S. Dollars 1,741 Millions of U.S. Dollars Mil. of U.S. $
line 14
Home mortgages 		Q3 2025 72,381 Millions of U.S. Dollars 62,256 Millions of U.S. Dollars 50,569 Millions of U.S. Dollars Mil. of U.S. $
line 15
Consumer credit 		Q3 2025 -6,223 Millions of U.S. Dollars 13,856 Millions of U.S. Dollars -16,628 Millions of U.S. Dollars Mil. of U.S. $
line 16
Mutual fund shares 		Q3 2025 -4 Millions of U.S. Dollars -52 Millions of U.S. Dollars -2,608 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 		Q3 2025 54,891 Millions of U.S. Dollars 52,620 Millions of U.S. Dollars 26,044 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 		Q3 2025 716 Millions of U.S. Dollars -28,644 Millions of U.S. Dollars -16,660 Millions of U.S. Dollars Mil. of U.S. $
line 21
Time and savings deposits 		Q3 2025 90,928 Millions of U.S. Dollars 80,216 Millions of U.S. Dollars 93,748 Millions of U.S. Dollars Mil. of U.S. $
line 22
Federal funds and security repos 		Q3 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) 		Q3 2025 -16,260 Millions of U.S. Dollars 14,832 Millions of U.S. Dollars 26,192 Millions of U.S. Dollars Mil. of U.S. $
line 24
Miscellaneous liabilities 		Q3 2025 -20,493 Millions of U.S. Dollars -13,784 Millions of U.S. Dollars -77,236 Millions of U.S. Dollars Mil. of U.S. $
line 25
Discrepancy 		Q3 2025 -5,113 Millions of U.S. Dollars -8,271 Millions of U.S. Dollars 22,415 Millions of U.S. Dollars Mil. of U.S. $
Memo:
line 26
Uninsured deposits 		Q3 2025 23,668 Millions of U.S. Dollars 12,008 Millions of U.S. Dollars 25,432 Millions of U.S. Dollars Mil. of U.S. $
   

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