What measures of bank regulatory capital are reported for the UK?

The Bank of England reports regulatory capital for the UK banking sector, including the Common Equity Tier 1 (CET1) ratio, Tier 2 capital, total capital and risk-weighted assets.

What information is provided on UK credit unions?

The data covers active credit unions across the UK, reporting their total members, depositors, assets, loans, capital and arrears, broken down by nation.

How frequently are UK bank capital and credit union series updated?

Both the banking sector regulatory capital figures and the credit union statistics are published quarterly by the Bank of England, with series available since 2013.

Are credit union figures available for individual UK nations?

Yes, the Bank of England reports credit union indicators for the United Kingdom as a whole and separately for England, Scotland, Wales and Northern Ireland.

UK bank capital and credit unions

Name: UK bank capital and credit unions
Creator: Bank of England — Banking sector regulatory capital; Bank of England — Credit union quarterly statistics

Two quarterly views of the UK deposit-taking sector from the Bank of England: the regulatory capital of banks and building societies — CET1, Tier 1 and total capital ratios and the risk-weighted assets behind them — and the credit unions: members, assets, loans, savings, capital and arrears, by nation.

Source: Bank of England — Banking sector regulatory capital; Bank of England — Credit union quarterly statisticsLast updated: Sep 24, 2026, 17:14Curated by Bui Thanh PhucAbout this data ↓

Indicator	Q1-2026	Q4-2025	Q3-2025	Q2-2025	Q1-2025	Q4-2024	Q3-2024	Q2-2024	Q1-2024	Q4-2023	Q3-2023	Q2-2023	Q1-2023
Banking sector regulatory capital (Bank of England)3
Capital ratios3
Common Equity Tier 1 (CET1) ratio	15.12	15.45	15.23	15.42	15.58	16	16.01	15.93	15.76	16	15.91	15.85	15.81
Tier 1 capital ratio	17.54	17.76	17.55	17.8	18.01	18.39	18.35	18.32	18.12	18.36	18.21	18.24	18.3
Total capital ratio	20.19	20.46	20.2	20.48	20.75	21.28	21.18	21.19	21	21.26	21.08	21.11	21.18
Total capital2	618.04	618.02	610.99	607.58	618.24	625.63	609.27	623.63	622.61	616	624.72	616.06	622.78
Tier 1 capital1	536.92	536.73	530.66	528.3	536.72	540.75	527.86	539.19	537.25	531.75	539.41	532.21	538.09
Common Equity Tier 1 capital	462.68	466.83	460.49	457.65	464.17	470.49	460.33	468.89	467.4	463.43	471.33	462.7	465.01
Tier 2 capital	81.13	81.28	80.34	79.28	81.52	84.88	81.41	84.45	85.35	84.25	85.31	83.86	84.69
Total risk-weighted assets5	3,060.58	3,021.32	3,024.48	2,967.33	2,980.02	2,940.5	2,875.99	2,943.49	2,965	2,896.79	2,962.96	2,918.37	2,940.92
Risk-weighted assets: credit and counterparty risk	2,252.7	2,196.53	2,205.56	2,164.38	2,165.83	2,150.07	2,107.87	2,150.21	2,163.44	2,123.85	2,155.47	2,119.45	2,149.23
Risk-weighted assets: market risk	353.03	374.4	388.28	379.13	381	361.96	366.06	384.15	380.19	365.74	395.15	397.43	384.2
Risk-weighted assets: operational risk	373.53	366.01	347.96	346.41	355.49	351.87	327.9	333.98	335.02	324.84	316.5	309.3	312.03
Risk-weighted assets: credit valuation adjustment	60.65	63.88	61.66	60.75	59.37	62.52	60.74	62.9	69.47	70.76	76.9	76.53	74.19
Risk-weighted assets: other	20.68	20.51	21.03	16.66	18.33	14.08	13.43	12.26	16.88	11.58	18.94	15.65	21.27
Credit unions (Bank of England)13
Credit unions reporting5
United Kingdom	339	348	352	358	358	363	366	374	375	380	380	380	382
England	120	129	132	137	137	138	138	141	141	143	144	144	146
Scotland	72	72	73	73	73	76	78	81	82	83	83	83	83
Wales	12	12	12	12	12	12	12	13	13	13	13	13	13
Northern Ireland	135	135	135	136	136	137	138	139	139	141	140	140	140
Adult members5
United Kingdom	2,172,067	2,159,036	2,152,596	2,173,626	2,153,719	2,150,515	2,142,933	2,133,329	2,115,847	2,094,517	2,055,533	2,037,329	2,007,858
England	993,344	983,161	980,392	999,936	990,277	989,128	978,044	977,944	966,661	954,440	939,462	930,327	917,589
Scotland	441,374	438,107	437,523	439,219	437,695	437,898	442,755	434,878	430,479	423,011	408,550	399,133	385,383
Wales	69,095	68,339	68,037	67,604	67,790	68,253	68,359	67,840	69,488	69,182	65,219	66,397	65,821
Northern Ireland	668,254	669,429	666,644	666,867	657,957	655,236	653,775	652,667	649,219	647,884	642,302	641,472	639,065
Juvenile depositors5
United Kingdom	172,777	174,200	175,331	180,231	180,314	181,384	181,848	185,943	188,368	193,046	195,146	196,266	198,959
England	33,930	34,839	34,631	37,845	37,361	37,964	39,194	40,545	41,403	42,828	44,342	44,685	45,445
Scotland	27,678	28,033	28,794	29,191	29,927	29,822	30,163	30,455	31,872	35,028	35,406	36,158	37,419
Wales	9,054	9,179	9,296	10,004	10,383	10,547	9,109	11,228	11,123	11,279	11,271	11,529	11,976
Northern Ireland	102,115	102,149	102,610	103,191	102,643	103,051	103,382	103,715	103,970	103,911	104,127	103,894	104,119
Total assets5
United Kingdom	4,904,524.71	4,888,302.7	4,912,770.85	4,921,849.14	4,895,093.94	4,888,062.17	4,927,317.26	4,880,034.5	4,853,264.31	4,793,760.7	4,764,556.59	4,678,953.95	4,605,436.58
England	1,425,557.32	1,428,939.57	1,450,128.24	1,491,806.24	1,486,884.22	1,490,267.98	1,513,236.65	1,519,268.44	1,524,092.27	1,516,562.43	1,508,906.29	1,513,484.77	1,515,235.51
Scotland	1,148,501.06	1,151,283.16	1,161,280.75	1,147,671.36	1,151,219.73	1,163,661.56	1,186,391.82	1,149,994.63	1,131,162.68	1,090,033	1,064,399.51	986,711.14	914,855.9
Wales	65,960.82	65,893.73	67,835.99	67,302.81	63,550.7	63,079.15	65,016	64,604.87	64,182.14	63,860.56	66,318.33	66,585.06	66,368.16
Northern Ireland	2,264,505.52	2,242,186.24	2,233,525.87	2,215,068.72	2,193,439.29	2,171,053.48	2,162,672.79	2,146,166.56	2,133,827.23	2,123,304.71	2,124,932.46	2,112,172.99	2,108,977.01
Loans to members5
United Kingdom	2,610,187.15	2,635,247.83	2,613,319.76	2,624,783.84	2,594,696.82	2,611,301.88	2,606,322.88	2,593,059.66	2,536,443.28	2,465,015.53	2,334,824.37	2,216,969.21	2,102,126.97
England	999,573.33	1,021,171.33	1,019,985.32	1,039,909.05	1,034,684.6	1,045,718.32	1,058,459.4	1,071,275.81	1,060,727.56	1,051,823.86	1,011,857.38	979,168.83	955,548.61
Scotland	761,895.8	768,884.79	764,029.98	761,771.55	754,812.67	764,653.81	762,310.56	739,827.41	711,353.4	659,573.84	595,014.13	527,478.15	456,396.81
Wales	29,276.98	30,229.78	28,486.4	28,719	29,104.55	29,408.23	27,391.79	27,839.71	27,997.72	29,003.02	26,284.08	26,420.84	26,499.7
Northern Ireland	819,441.04	814,961.93	800,818.06	794,384.24	776,095.01	771,521.53	758,161.13	754,116.73	736,364.61	724,614.81	701,668.79	683,901.4	663,681.85
Members' shares (savings)5
United Kingdom	4,076,430.46	4,077,258.91	4,073,505.68	4,101,781.75	4,087,844.4	4,091,715.43	4,103,618.1	4,083,184.04	4,075,224.94	4,028,321.83	3,991,545.34	3,940,596.56	3,885,534.21
England	1,202,477.89	1,207,775.14	1,223,542.06	1,266,943.58	1,262,039.65	1,264,024.69	1,279,769.61	1,293,461.16	1,299,542.07	1,289,181.15	1,281,184.99	1,294,979.97	1,301,543.76
Scotland	1,005,946.97	1,011,941.64	1,017,553.12	1,007,621.62	1,009,484.26	1,020,542.96	1,039,603.61	1,008,285.35	996,611.49	959,452.36	935,534.81	868,206.92	801,187.05
Wales	48,011.19	47,513.66	49,736.62	49,294.27	48,663.75	48,484.07	50,562.39	50,197.47	49,645.82	49,413.2	51,976.91	52,161.64	52,195.97
Northern Ireland	1,819,994.41	1,810,028.47	1,782,673.88	1,777,922.28	1,767,656.75	1,758,663.7	1,733,682.5	1,731,240.07	1,729,425.56	1,730,275.12	1,722,848.63	1,725,248.02	1,730,607.43
Total capital5
United Kingdom	639,055.06	628,222.97	660,442.6	639,623.55	624,206.04	614,618.43	643,106.53	623,528.36	604,553.16	587,613.84	602,211.28	577,197.24	550,349.95
England	197,885.19	195,230.89	199,818.99	195,657.92	195,699.06	194,102.11	201,151.73	195,504.27	194,806.31	191,908.25	194,371.95	191,893.4	188,026.25
Scotland	135,032.23	134,853.09	137,934.77	132,519.43	131,892.08	133,700.15	134,778.54	132,014.45	125,262.96	120,629.88	119,684.31	109,817.65	95,924.14
Wales	8,286.44	8,486.57	10,031.04	10,191.56	8,879.44	8,924.82	8,949.97	8,820.13	8,812.24	8,746.09	8,713.93	8,684.36	8,504.41
Northern Ireland	297,851.21	289,652.42	312,657.8	301,254.64	287,735.45	277,891.35	298,226.29	287,189.51	275,671.66	266,329.61	279,441.1	266,801.83	257,895.15
Liquid assets5
United Kingdom	1,330,017.78	1,286,896.3	1,305,898.15	1,303,297.02	1,279,893.29	1,245,919.61	1,285,849.8	1,226,674.26	1,260,181.57	1,231,430.66	1,304,747.15	1,308,603.13	1,276,473.73
England	315,085.97	312,603.05	327,859.54	341,874.42	336,004.22	328,066.76	342,803.11	324,811.3	336,516.42	328,862.91	323,037.22	354,023.77	320,511.58
Scotland	252,480.12	252,389.04	257,537.98	246,730.2	247,692.83	242,052.12	254,424.98	231,409.48	243,550.74	246,013.33	264,897.8	257,162.46	243,447.68
Wales	23,809.97	23,515.28	27,733.53	27,559.75	24,524.51	24,642.58	27,536.12	27,173.41	25,923.57	24,840.47	28,085.04	29,219.85	29,689.05
Northern Ireland	738,641.73	698,388.92	692,767.11	687,132.66	671,671.72	651,158.14	661,085.59	643,280.07	654,190.83	631,713.95	688,727.09	668,197.04	682,825.42
Income in the quarter5
United Kingdom	103,628.07	105,209.88	110,881.75	107,676.66	105,250.18	108,885.17	113,039.26	103,883.34	95,125.87	100,785.01	91,845.39	80,335.22	71,268.28
England	40,790.97	41,748.34	44,412.64	42,895.5	42,695.78	45,739.93	47,720.24	42,798.1	40,673.16	44,582.92	40,680.92	37,916.61	34,237.08
Scotland	29,237.46	29,459.54	30,984.65	29,541.41	29,641.7	30,381.93	31,101.6	28,683.31	24,642.35	26,936.7	21,335.92	16,082.04	13,383.63
Wales	1,840.97	2,224.74	1,955.87	1,892.53	1,909.53	1,807.74	2,255.88	1,504.1	1,566.56	1,931.56	1,648.11	1,464.42	1,576.59
Northern Ireland	31,758.67	31,777.26	33,528.59	33,347.22	31,003.17	30,955.57	31,961.53	30,897.82	28,243.8	27,333.84	28,180.44	24,872.15	22,070.98
Expenditure in the quarter5
United Kingdom	85,678.93	94,067.53	91,139.95	94,568.62	92,269.74	98,340.57	98,697.43	87,699.01	79,646.15	88,099.5	79,837.75	65,398.54	59,016.76
England	36,142.61	40,245.9	41,913.21	42,333.77	41,567.84	45,944.33	46,671	41,552.56	38,480.61	43,228.32	41,475.6	33,852.48	31,015.49
Scotland	27,022.89	30,588.01	26,399.65	29,951.45	29,626.18	31,245.29	29,076.82	26,852.38	22,443.35	25,179.25	18,893.3	14,354.52	11,597.18
Wales	1,978.04	2,385.13	1,921.1	1,801.24	1,816.97	1,801.89	2,127.43	1,302.51	1,473.01	1,859.84	1,364.11	1,359.4	1,441.87
Northern Ireland	20,535.4	20,848.49	20,905.99	20,482.16	19,258.74	19,349.07	20,822.19	17,991.56	17,249.18	17,832.09	18,104.73	15,832.13	14,962.22
Profit or loss in the quarter5
United Kingdom	17,949.13	11,142.35	19,741.8	13,108.04	12,980.45	10,544.61	14,341.82	16,184.33	15,479.72	12,685.51	12,007.64	14,936.68	12,251.51
England	4,648.36	1,502.44	2,499.43	561.74	1,127.94	-204.4	1,049.24	1,245.54	2,192.55	1,354.59	-794.69	4,064.13	3,221.59
Scotland	2,214.57	-1,128.47	4,584.99	-410.04	15.52	-863.36	2,024.79	1,830.94	2,199	1,757.45	2,442.62	1,727.52	1,786.45
Wales	-137.07	-160.4	34.78	91.29	92.56	5.86	128.45	201.59	93.55	71.72	284	105.02	134.72
Northern Ireland	11,223.27	10,928.77	12,622.6	12,865.05	11,744.43	11,606.51	11,139.34	12,906.26	10,994.62	9,501.75	10,075.71	9,040.02	7,108.76
Value of loans in arrears5
United Kingdom	297,654.28	284,710.18	269,686.79	260,707.15	244,223.64	230,062.08	213,560.4	201,557.74	184,246.43	165,747.96	154,268.97	149,044.34	139,883.48
England	149,458.65	148,923.49	142,686.47	139,232.96	133,535.91	128,440.31	120,019.63	114,774.74	107,539.08	99,794.16	91,882.62	89,867.21	85,844.19
Scotland	119,682.08	108,854.37	99,737.08	92,915.03	82,507.09	73,865.75	64,438.53	55,654.26	46,645.75	38,022.67	33,628.9	30,159.38	25,145.02
Wales	3,098.32	2,355.74	2,353.44	2,367.38	2,256.14	2,416.49	2,122.75	2,423.09	2,712.56	2,599.29	2,583.5	2,791.17	2,806.85
Northern Ireland	25,415.22	24,576.58	24,909.8	26,191.77	25,924.5	25,339.54	26,979.49	28,705.65	27,349.05	25,331.84	26,173.95	26,226.58	26,087.43
Number of loans in arrears5
United Kingdom	98,535	95,842	91,568	89,306	87,720	84,934	80,510	82,715	79,430	77,986	75,492	76,373	72,565
England	58,629	58,395	55,774	56,897	55,246	54,189	51,894	52,744	52,944	52,869	51,393	52,108	49,129
Scotland	29,886	27,789	26,052	22,399	22,353	20,711	18,498	17,053	15,296	14,256	13,438	13,182	12,357
Wales	2,336	2,007	1,985	1,989	2,006	2,031	1,866	2,165	2,383	2,320	2,269	2,440	2,397
Northern Ireland	7,684	7,651	7,757	8,021	8,115	8,003	8,252	10,753	8,807	8,541	8,392	8,643	8,682

Latest reading

United Kingdom stood at 2,172,067 Members in Q1 2026. That is +0.6% from Q4 2025 and +0.9% from a year earlier. The series on this page is quarterly and runs from Q4 2013 to Q1 2026. Source: Bank of England — Banking sector regulatory capital; Bank of England — Credit union quarterly statistics.

Latest: 2,172,067 Members; Q1 2026
vs previous period: +0.6%; Q4 2025
vs a year earlier: +0.9%

About this data

Frequently asked questions

What measures of bank regulatory capital are reported for the UK?: The Bank of England reports regulatory capital for the UK banking sector, including the Common Equity Tier 1 (CET1) ratio, Tier 2 capital, total capital and risk-weighted assets.
What information is provided on UK credit unions?: The data covers active credit unions across the UK, reporting their total members, depositors, assets, loans, capital and arrears, broken down by nation.
How frequently are UK bank capital and credit union series updated?: Both the banking sector regulatory capital figures and the credit union statistics are published quarterly by the Bank of England, with series available since 2013.
Are credit union figures available for individual UK nations?: Yes, the Bank of England reports credit union indicators for the United Kingdom as a whole and separately for England, Scotland, Wales and Northern Ireland.