Compare credit unions
Put up to four credit unions side by side on 53 figures from their Q2 2026 call reports: size, growth, capital, earnings, loan quality, lending and deposit mix, and the loan rates they reported. Free, no sign-up, and the link is shareable.
Showing four of the largest credit unions. Remove any of them, or search for another above.
| Figure | Navy Federal Credit UnionVienna, VA | Pentagon Federal Credit UnionMcLean, VA | SchoolsFirst Federal Credit UnionSanta Ana, CA | Alliant Credit UnionChicago, IL | All credit unions, median |
|---|---|---|---|---|---|
| Size | |||||
| Total assetsTotal assets on the call report. | $204B100th pct | $29.2B99th pct | $37.2B100th pct | $20.0B99th pct | $68.3M |
| MembersCurrent members on the call report. | 15,517,448100th pct | 2,751,004100th pct | 1,579,56199th pct | 953,37098th pct | 4,818 |
| Loans outstandingTotal loans and leases outstanding. | $146B100th pct | $22.0B100th pct | $23.0B100th pct | $15.9B98th pct | $34.2M |
| Shares and depositsTotal member shares and deposits, including nonmember deposits. | $173B100th pct | $25.1B99th pct | $32.0B100th pct | $16.1B99th pct | $58.2M |
| Net worthNet worth as defined in 12 CFR 702.2: retained earnings and other qualifying equity. | $23.8B100th pct | $3.1B99th pct | $3.5B100th pct | $1.8B98th pct | $9.0M |
| BranchesNumber of branch offices on the call report. | 388100th pct | 3893th pct | 7399th pct | 00th pct | 2 |
| EmployeesFull-time plus part-time employees. | 25,336100th pct | 2,77199th pct | 2,98899th pct | 91494th pct | 14 |
| Growth (12 months) | |||||
| Asset growthChange in total assets over the last 12 months. | +6.56%63th pct | -2.66%4th pct | +9.22%80th pct | +0.27%13th pct | +2.87% |
| Member growthChange in members over the last 12 months. | +5.18%81th pct | -2.20%17th pct | +5.67%85th pct | +3.08%65th pct | -0.57% |
| Loan growthChange in loans outstanding over the last 12 months. | +6.18%55th pct | -7.07%3th pct | +10.08%77th pct | +0.96%23th pct | +0.61% |
| Deposit growthChange in shares and deposits over the last 12 months. | +7.38%71th pct | -3.28%3th pct | +10.97%88th pct | +1.23%17th pct | +2.50% |
| Capital and reserves | |||||
| Net worth ratioNet worth divided by total assets. NCUA's rules treat 7% or more as well capitalized (12 CFR 702.102). | 11.65%64th pct | 10.72%48th pct | 9.51%22th pct | 9.17%16th pct | 12.65% |
| Loss reserves to loansAllowance for credit losses on loans divided by total loans. | 3.10%98th pct | 2.20%95th pct | 1.01%55th pct | 1.94%93th pct | 0.73% |
| Loss reserves to late loansAllowance for credit losses on loans divided by loans 60 or more days past due. | 1.97x73th pct | 2.05x74th pct | 1.11x33th pct | 2.38x83th pct | 1.07x |
| Earnings | |||||
| Return on assetsAnnualized year-to-date net income divided by average assets. | 1.41%87th pct | 0.99%66th pct | 0.90%58th pct | 0.94%62th pct | 0.71% |
| Net interest marginAnnualized net interest income divided by average assets. | 4.98%99th pct | 2.93%18th pct | 2.91%17th pct | 2.38%4th pct | 3.75% |
| Dividends paid on depositsAnnualized dividends on shares plus interest on deposits, divided by average shares and deposits. A blended rate across every account the credit union pays on, not an advertised rate. | 1.77%56th pct | 2.08%76th pct | 2.20%83th pct | 3.17%99th pct | 1.20% |
| Cost of fundsAnnualized dividends, interest on deposits and interest on borrowed money, divided by average assets (NCUA FPR cost of funds to average assets). | 1.62%51th pct | 1.84%69th pct | 2.03%81th pct | 3.70%100th pct | 1.05% |
| Efficiency ratioNon-interest (operating) expense divided by net interest income plus non-interest income: the standard industry efficiency ratio (NCUA's FPR does not publish one). Lower means fewer cents spent to earn each dollar of revenue. | 55.22%93th pct | 66.30%75th pct | 55.22%93th pct | 43.61%99th pct | 78.15% |
| Operating expense to assetsAnnualized non-interest expense divided by average assets. | 3.38%51th pct | 2.59%84th pct | 2.02%95th pct | 1.31%98th pct | 3.61% |
| Non-interest income to assetsAnnualized fee income plus other operating income, divided by average assets (NCUA FPR fee and other operating income to average assets). | 1.03%46th pct | 0.83%30th pct | 0.69%19th pct | 0.56%10th pct | 0.77% |
| Fee income per memberAnnualized fee income divided by members. Lower means members pay less in fees on average. | $3888th pct | $4285th pct | $5077th pct | $6100th pct | $53 |
| Credit loss expense to loansAnnualized credit loss expense (provision) divided by average loans. | 1.86%2th pct | 0.43%60th pct | 1.19%10th pct | 0.95%17th pct | 0.25% |
| Loan quality | |||||
| Loans 60+ days lateLoans 60 or more days past due divided by total loans. | 1.58%9th pct | 1.07%24th pct | 0.91%33th pct | 0.81%39th pct | 0.69% |
| Net charge-off rateAnnualized year-to-date charge-offs less recoveries, divided by average loans. | 2.38%1th pct | 1.28%6th pct | 1.05%11th pct | 0.98%14th pct | 0.29% |
| Lending | |||||
| Loan-to-share ratioTotal loans divided by total shares and deposits. | 84.40%44th pct | 87.81%55th pct | 72.00%18th pct | 98.72%85th pct | 68.70% |
| Auto loans, share of loansNew and used vehicle loans divided by total loans. | 22.40%38th pct | 15.75%22th pct | 25.72%47th pct | 3.38%3th pct | 43.11% |
| Home loans, share of loans1-4 family first-lien and junior-lien (home equity) loans divided by total loans. | 46.99%53th pct | 63.17%85th pct | 55.85%72th pct | 52.93%67th pct | 31.83% |
| Credit cards, share of loansUnsecured credit card balances divided by total loans. | 22.81%100th pct | 7.63%96th pct | 6.37%93th pct | 1.00%17th pct | 1.63% |
| Business loans, share of loansCommercial loans to members and nonmembers divided by total loans. | 0.67%15th pct | 3.06%22th pct | 1.21%18th pct | 12.09%51th pct | 0.00% |
| Auto loans outstandingNew plus used vehicle loans outstanding. | $32.8B100th pct | $3.5B98th pct | $5.9B99th pct | $537M74th pct | $12.9M |
| Home loans outstanding1-4 family first-lien plus junior-lien loans outstanding. | $68.8B100th pct | $13.9B100th pct | $12.9B100th pct | $8.4B99th pct | $11.8M |
| Credit card balancesUnsecured credit card loans outstanding. | $33.4B100th pct | $1.7B100th pct | $1.5B100th pct | $159M92th pct | $602K |
| Business loans outstandingCommercial loans to members and nonmembers outstanding. | $976M95th pct | $674M90th pct | $278M74th pct | $1.9B98th pct | $0 |
| Private student loansNon-federally guaranteed student loans outstanding. | $1.3B100th pct | $641M100th pct | $028th pct | $5.0M85th pct | $0 |
| Average loan sizeTotal loans divided by the number of loans. | $16K13th pct | $17K17th pct | $20K30th pct | $52K95th pct | $14K |
| Deposits | |||||
| Certificates, share of depositsShare certificates (CDs) divided by total shares and deposits. | 33.73%74th pct | 31.78%68th pct | 39.31%90th pct | 35.13%79th pct | 20.03% |
| Core deposits, share of depositsRegular shares, share drafts (checking) and money market shares divided by total shares and deposits. | 59.44%27th pct | 61.90%33th pct | 55.47%16th pct | 59.02%25th pct | 74.56% |
| Deposits over $250,000Shares and deposits above the $250,000 insurance limit divided by total shares and deposits. | 9.71%59th pct | 12.93%81th pct | 11.20%71th pct | 12.31%77th pct | 3.94% |
| Average deposits per memberTotal shares and deposits divided by members. | $11K11th pct | $9,1193th pct | $20K86th pct | $17K67th pct | $12K |
| Liquidity | |||||
| Investments to assetsInvestment securities divided by total assets. | 19.64%76th pct | 13.82%60th pct | 21.52%79th pct | 12.17%56th pct | 5.48% |
| Cash to assetsCash and other deposits divided by total assets. | 2.59%5th pct | 3.04%8th pct | 12.79%84th pct | 1.72%2th pct | 20.98% |
| Borrowings to assetsTotal borrowings divided by total assets. | 3.11%63th pct | 2.06%54th pct | 3.36%64th pct | 10.39%91th pct | 0.00% |
| Operations | |||||
| Members per employeeMembers divided by full-time-equivalent employees (full-time plus half of part-time, as NCUA counts them). | 62096th pct | 996100th pct | 54393th pct | 1,044100th pct | 349 |
| Assets per employeeTotal assets divided by full-time-equivalent employees. | $8.2M80th pct | $10.6M91th pct | $12.8M96th pct | $21.9M99th pct | $4.7M |
| Members per branchMembers divided by branches. | 39,99399th pct | 72,39599th pct | 21,63896th pct | – | 2,486 |
| Field of membership reachedMembers divided by the potential members the credit union estimates on its call report. | 8.43%66th pct | 0.80%7th pct | 48.00%93th pct | 56.44%95th pct | 12.65% |
| Loan rates on the call report | |||||
| New auto loan rateInterest rate the credit union reported for new vehicle loans on its call report. | 4.59%88th pct | 1.99%99th pct | 4.99%77th pct | 5.49%53th pct | 5.46% |
| Used auto loan rateInterest rate reported for used vehicle loans. | 8.39%6th pct | 6.59%35th pct | 4.99%87th pct | 5.84%57th pct | 6.32% |
| Credit card rateInterest rate reported for unsecured credit card loans. | 18.00%3th pct | 17.99%5th pct | 13.25%41th pct | 15.74%16th pct | 11.50% |
| Personal loan rateInterest rate reported for other unsecured loans and lines of credit. | 18.00%4th pct | 14.65%19th pct | 9.99%82th pct | 7.49%98th pct | 11.75% |
| First mortgage rateInterest rate reported for 1-4 family first-lien loans and lines. | 5.62%66th pct | 3.25%95th pct | 5.50%69th pct | 5.75%61th pct | 5.75% |
| Home equity rateInterest rate reported for 1-4 family junior-lien loans and lines. | 8.75%2th pct | 7.00%42th pct | 4.25%98th pct | 3.99%99th pct | 6.75% |
Source: NCUA 5300 call report data for Q2 2026 (quarter ended June 30, 2026). Percentiles rank each credit union within its NCUA asset-size peer group (under $2 million in assets; $2 million to $10 million; $10 million to $50 million; $50 million to $100 million; $100 million to $500 million; $500 million and up). Not affiliated with NCUA or any credit union. Methodology · Screener · Peer report
Questions people ask
Where do the figures come from?
Every number is from the NCUA 5300 call report each credit union files, for Q2 2026 (quarter ended June 30, 2026). Ratios are computed the way NCUA's Financial Performance Report computes them: year-to-date income annualized and divided by the average of this quarter and last December.
What does the percentile under each figure mean?
It places the credit union among every credit union in the same NCUA asset-size peer group, from 0 to 100. For ratios with a better direction (higher capital, lower late loans, lower loan rates) 100 is the best in the group; for size and mix figures it is simply the highest.
Which figure is marked as best?
The underlined figure in a row is the best of the credit unions you picked, for ratios where a member is better off with a higher or lower number. Size, mix and growth-neutral rows have no winner.
Are the loan rates what I would be offered?
No. They are the rates each credit union reported for that loan type on its call report. Your own rate depends on your credit, the term and the collateral. Ask the credit union for a quote.
Can I share or save a comparison?
Yes. The address bar updates as you add credit unions, so copying the link shares the exact comparison. Download CSV saves the table.