Financial Resilience Report 2025

Our sixth annual Financial Resilience Report explores some of the unique financial challenges faced by those who serve and protect the nation. Its aim is to help employers to understand these challenges and develop tailored solutions to support colleagues.

In February 2025, we surveyed 5,599 of our members to understand their level of financial resilience. From their responses, we can identify some of the most financially vulnerable demographics within our membership. As a proud member of the Financial Vulnerability Charter, we hope this report helps educate organisations on the importance of addressing financial vulnerability.

Financial resilience is defined as your ability, as an individual or household, to overcome financially stressful events. This can be anything which creates unexpected expenses or reduced income. A lack of financial resilience can quickly snowball into financial vulnerability, as explored on Page 3 of the report. As a credit union, we exist to improve the financial resilience of our members and help to safeguard them from financial vulnerability.

To give an insight into the report, we have highlighted some of the key findings below:

• 47% of respondents said they could not cope financially with a change in circumstances such as relationship breakdown, unemployment, or sickness.
• 17% of respondents said they have skipped or delayed paying bills in the past 12 months due to a lack of funds.
• 19% of respondents find themselves frequently running out of money before their next payday.
• 22% of respondents admitted they are reliant on overtime to meet their financial needs.
• 24% of respondents have been denied a financial service in the past.
• 19% of respondents often or always feel stressed about their financial situation.

Read the full report below for a comprehensive insight into the unique financial challenges faced by our members.

Ready to take action and improve the financial resilience of your workforce? Click the link below to book a meeting with our team and discover how we can help.