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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, VAPentagon Federal Credit UnionMcLean, VASchoolsFirst Federal Credit UnionSanta Ana, CAAlliant 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 pct2,751,004100th pct1,579,56199th pct953,37098th 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 pct3893th pct7399th pct00th pct 2
EmployeesFull-time plus part-time employees. 25,336100th pct2,77199th pct2,98899th pct91494th 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 pct10.72%48th pct9.51%22th pct9.17%16th pct 12.65%
Loss reserves to loansAllowance for credit losses on loans divided by total loans. 3.10%98th pct2.20%95th pct1.01%55th pct1.94%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 pct2.05x74th pct1.11x33th pct2.38x83th pct 1.07x
Earnings
Return on assetsAnnualized year-to-date net income divided by average assets. 1.41%87th pct0.99%66th pct0.90%58th pct0.94%62th pct 0.71%
Net interest marginAnnualized net interest income divided by average assets. 4.98%99th pct2.93%18th pct2.91%17th pct2.38%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 pct2.08%76th pct2.20%83th pct3.17%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 pct1.84%69th pct2.03%81th pct3.70%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 pct66.30%75th pct55.22%93th pct43.61%99th pct 78.15%
Operating expense to assetsAnnualized non-interest expense divided by average assets. 3.38%51th pct2.59%84th pct2.02%95th pct1.31%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 pct0.83%30th pct0.69%19th pct0.56%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 pct0.43%60th pct1.19%10th pct0.95%17th pct 0.25%
Loan quality
Loans 60+ days lateLoans 60 or more days past due divided by total loans. 1.58%9th pct1.07%24th pct0.91%33th pct0.81%39th pct 0.69%
Net charge-off rateAnnualized year-to-date charge-offs less recoveries, divided by average loans. 2.38%1th pct1.28%6th pct1.05%11th pct0.98%14th pct 0.29%
Lending
Loan-to-share ratioTotal loans divided by total shares and deposits. 84.40%44th pct87.81%55th pct72.00%18th pct98.72%85th pct 68.70%
Auto loans, share of loansNew and used vehicle loans divided by total loans. 22.40%38th pct15.75%22th pct25.72%47th pct3.38%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 pct63.17%85th pct55.85%72th pct52.93%67th pct 31.83%
Credit cards, share of loansUnsecured credit card balances divided by total loans. 22.81%100th pct7.63%96th pct6.37%93th pct1.00%17th pct 1.63%
Business loans, share of loansCommercial loans to members and nonmembers divided by total loans. 0.67%15th pct3.06%22th pct1.21%18th pct12.09%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 pct31.78%68th pct39.31%90th pct35.13%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 pct61.90%33th pct55.47%16th pct59.02%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 pct12.93%81th pct11.20%71th pct12.31%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 pct13.82%60th pct21.52%79th pct12.17%56th pct 5.48%
Cash to assetsCash and other deposits divided by total assets. 2.59%5th pct3.04%8th pct12.79%84th pct1.72%2th pct 20.98%
Borrowings to assetsTotal borrowings divided by total assets. 3.11%63th pct2.06%54th pct3.36%64th pct10.39%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 pct996100th pct54393th pct1,044100th 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 pct72,39599th pct21,63896th pct– 2,486
Field of membership reachedMembers divided by the potential members the credit union estimates on its call report. 8.43%66th pct0.80%7th pct48.00%93th pct56.44%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 pct1.99%99th pct4.99%77th pct5.49%53th pct 5.46%
Used auto loan rateInterest rate reported for used vehicle loans. 8.39%6th pct6.59%35th pct4.99%87th pct5.84%57th pct 6.32%
Credit card rateInterest rate reported for unsecured credit card loans. 18.00%3th pct17.99%5th pct13.25%41th pct15.74%16th pct 11.50%
Personal loan rateInterest rate reported for other unsecured loans and lines of credit. 18.00%4th pct14.65%19th pct9.99%82th pct7.49%98th pct 11.75%
First mortgage rateInterest rate reported for 1-4 family first-lien loans and lines. 5.62%66th pct3.25%95th pct5.50%69th pct5.75%61th pct 5.75%
Home equity rateInterest rate reported for 1-4 family junior-lien loans and lines. 8.75%2th pct7.00%42th pct4.25%98th pct3.99%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.

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