Wipfli’s “State of the banking industry” report for 2025 shows that leaders of financial institutions are cautiously optimistic, driven by stabilizing interest rates, easing liquidity concerns and a resurgence in growth projections.

The new data was gathered by Wipfli from nearly 350 C-level executives at financial institutions across the United States to take the pulse of executives to see what they are investing in and what they are excited and worried about.

Wipfli surveyed 83 credit unions in 20 states to learn about their priorities and top concerns going into 2024.

The results show credit unions are less bullish on their market position heading into the next 12 months than they were the previous year. And because they can no longer rely on their reputation for in-person customer service or being the only brick-and-mortar financial institution in underbanked areas, they need to maintain their market share and grow by staying ahead of the technology curve. Download the report to explore Wipfli’s data and insights.

Wipfli surveyed 390 financial institutions across 28 states to reveal a snapshot of where banks are headed in 2024, including the industry’s top growth strategies and biggest areas of concern.

Research revealed a slowdown in aggressive growth, a reluctance to embrace AI and a surprising number of cybersecurity instances. Download the report now to explore these concerns and learn more about what the banking industry is expecting in 2024.