Q2 2026 call reports
The credit union industry, by the numbers
4,214 federally insured credit unions held $2.50 trillion in assets for 146.1 million members at June 30, 2026, according to the call reports they filed with NCUA. Over the year, assets grew 8.2% and membership grew 4.2% among the credit unions filing today.
- Assets
- $2.50T
- 4,214 credit unions
- Members
- 146.1M
- 21,407 branches
- Loans
- $1.76T
- $2.13T in deposits
- Net worth
- $285.4B
- Net income $11.2B year to date
Industry ratios
Computed from the summed dollars of every federally insured credit union, the way NCUA computes its aggregate figures. Income and charge-offs are year to date, annualized.
| Return on assets | 0.92% |
|---|---|
| Net worth ratio | 11.42% |
| Loans 60+ days late | 0.96% |
| Net charge-off rate | 0.78% |
| Loan-to-share ratio | 82.91% |
| Net interest margin | 3.51% |
| Paid on deposits | 1.82% |
| Efficiency ratio | 68.34% |
Five quarters
| Quarter | Assets | Members | Loans | Deposits | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $2.50T | 146,107,877 | $1.76T | $2.13T | 0.96% |
| Q1 2026 | $2.48T | 145,556,573 | $1.73T | $2.12T | 0.85% |
| Q4 2025 | $2.39T | 142,723,047 | $1.69T | $2.03T | 1.03% |
| Q3 2025 | $2.33T | 141,764,679 | $1.66T | $1.98T | 0.95% |
| Q2 2025 | $2.31T | 140,188,511 | $1.63T | $1.97T | 0.91% |
Assets Members Loans
Summed over the credit unions that filed for Q2 2026, so mergers do not make earlier quarters look larger.
By size
NCUA's six asset-size peer groups. The largest group, $500 million and up, holds 87.5% of industry assets. Medians are of each credit union's own ratio.
| Assets | Count | Share of assets | Median ROA | Median NWR | Median 60+ late | Median efficiency | Median loan growth | Median member growth |
|---|---|---|---|---|---|---|---|---|
| Under $2 million in assets | 226 | 0.0% | 0.52% | 19.32% | 0.66% | 86.00% | -7.26% | -1.21% |
| $2 million to $10 million | 535 | 0.1% | 0.42% | 17.30% | 0.86% | 86.02% | -6.04% | -1.73% |
| $10 million to $50 million | 1,117 | 1.2% | 0.71% | 13.88% | 0.68% | 79.22% | -2.43% | -1.29% |
| $50 million to $100 million | 560 | 1.6% | 0.74% | 12.95% | 0.67% | 78.84% | -0.16% | -1.25% |
| $100 million to $500 million | 1,028 | 9.6% | 0.75% | 11.65% | 0.70% | 77.50% | +2.87% | -0.06% |
| $500 million and up | 748 | 87.5% | 0.80% | 10.79% | 0.67% | 73.69% | +5.34% | +1.83% |
What credit unions lend
- First mortgages$646.3B 36.6%
- Used vehicle$324.7B 18.4%
- Business$201.7B 11.4%
- Home equity and junior liens$187.8B 10.6%
- New vehicle$160.7B 9.1%
- Credit cards$87.2B 4.9%
- Everything else$77.7B 4.4%
- Other unsecured$71.2B 4.0%
- Private student$6.2B 0.4%
Median loan rates
The median of the rates credit unions reported for each kind of loan they hold. See the lowest by loan type.
| New auto | 5.46% |
|---|---|
| Used auto | 6.32% |
| Credit card | 11.50% |
| Personal loan | 11.75% |
| First mortgage | 5.75% |
| Home equity | 6.75% |
By state
| State | Count | Assets | Members | Median ROA | Median NWR | 60+ late | Median new auto |
|---|---|---|---|---|---|---|---|
| California | 229 | $318.8B | 15,366,953 | 0.57% | 11.30% | 0.77% | 5.43% |
| Virginia | 95 | $286.4B | 21,485,630 | 0.64% | 12.14% | 1.40% | 5.25% |
| Texas | 376 | $161.6B | 10,258,905 | 0.60% | 13.62% | 0.94% | 5.60% |
| New York | 268 | $135.2B | 7,245,119 | 0.77% | 12.10% | 1.09% | 5.03% |
| Florida | 107 | $126.2B | 7,935,677 | 0.60% | 11.17% | 0.78% | 5.43% |
| Michigan | 169 | $121.2B | 6,132,937 | 0.94% | 12.03% | 0.79% | 5.53% |
| Washington | 73 | $94.9B | 5,071,463 | 0.59% | 12.63% | 0.73% | 5.74% |
| North Carolina | 57 | $92.0B | 5,240,227 | 0.59% | 12.88% | 2.09% | 5.44% |
| Pennsylvania | 269 | $83.9B | 4,970,878 | 0.78% | 13.53% | 0.71% | 5.25% |
| Wisconsin | 98 | $76.6B | 3,928,360 | 0.92% | 11.95% | 0.68% | 5.02% |
| Illinois | 173 | $74.0B | 4,023,038 | 0.76% | 13.93% | 0.86% | 4.99% |
| Utah | 51 | $70.0B | 4,266,753 | 0.86% | 12.42% | 1.14% | 5.24% |
| Colorado | 62 | $55.4B | 2,882,668 | 0.60% | 11.51% | 0.83% | 5.49% |
| Tennessee | 125 | $48.8B | 2,757,305 | 0.74% | 13.85% | 0.53% | 5.50% |
| Ohio | 157 | $45.9B | 2,979,647 | 0.74% | 12.09% | 0.87% | 5.49% |
| Indiana | 113 | $45.7B | 2,643,385 | 0.83% | 13.16% | 0.79% | 5.63% |
| Massachusetts | 121 | $44.1B | 2,272,461 | 0.57% | 12.11% | 0.68% | 5.25% |
| Alabama | 88 | $40.4B | 2,488,796 | 0.73% | 14.15% | 0.92% | 5.80% |
| Maryland | 59 | $40.0B | 2,154,103 | 0.52% | 12.37% | 0.80% | 4.99% |
| Oregon | 47 | $40.0B | 2,435,592 | 0.66% | 12.79% | 0.96% | 5.49% |
| Georgia | 71 | $37.6B | 2,319,336 | 0.71% | 13.60% | 0.59% | 5.28% |
| Arizona | 33 | $35.6B | 2,074,661 | 0.68% | 10.97% | 0.75% | 6.14% |
| Iowa | 66 | $35.4B | 1,608,066 | 1.01% | 13.20% | 1.05% | 5.41% |
| Minnesota | 80 | $35.1B | 1,832,891 | 0.88% | 12.56% | 0.72% | 5.49% |
| Idaho | 20 | $25.8B | 1,447,013 | 0.57% | 9.86% | 0.54% | 5.47% |
| South Carolina | 45 | $24.7B | 1,720,006 | 0.86% | 13.62% | 0.77% | 5.59% |
| Oklahoma | 52 | $22.0B | 1,473,850 | 0.64% | 12.69% | 0.91% | 5.77% |
| New Mexico | 37 | $20.8B | 1,157,384 | 0.80% | 13.17% | 1.34% | 5.74% |
| Missouri | 87 | $19.5B | 1,365,071 | 0.61% | 11.61% | 0.78% | 5.50% |
| Kansas | 62 | $19.5B | 1,346,960 | 0.86% | 13.55% | 1.71% | 5.76% |
| Louisiana | 136 | $17.7B | 1,298,831 | 0.58% | 14.77% | 1.24% | 5.59% |
| Hawaii | 45 | $17.4B | 881,579 | 0.83% | 12.81% | 0.85% | 5.75% |
| Kentucky | 51 | $16.8B | 1,004,926 | 0.64% | 12.98% | 0.84% | 5.42% |
| Alaska | 8 | $16.6B | 1,039,034 | 0.74% | 11.77% | 1.33% | 6.13% |
| Connecticut | 64 | $15.9B | 909,012 | 0.72% | 11.59% | 0.56% | 5.00% |
| New Jersey | 126 | $15.3B | 947,533 | 0.38% | 13.81% | 1.18% | 5.25% |
| New Hampshire | 12 | $14.2B | 853,792 | 0.96% | 9.92% | 1.46% | 5.18% |
| Maine | 48 | $13.6B | 774,020 | 0.68% | 10.91% | 0.93% | 5.50% |
| District of Columbia | 28 | $11.7B | 316,526 | 0.35% | 11.88% | 0.82% | 5.14% |
| Rhode Island | 14 | $11.2B | 506,907 | 0.50% | 11.38% | 0.39% | 4.99% |
| Mississippi | 55 | $9.9B | 826,083 | 0.71% | 16.22% | 1.12% | 5.50% |
| Montana | 40 | $7.8B | 422,640 | 0.68% | 11.96% | 0.50% | 5.15% |
| Vermont | 12 | $7.4B | 455,613 | 0.76% | 11.45% | 0.86% | 5.93% |
| Nebraska | 50 | $7.0B | 553,511 | 0.91% | 12.71% | 0.95% | 5.26% |
| Wyoming | 18 | $6.2B | 397,899 | 1.23% | 11.53% | 1.26% | 5.43% |
| South Dakota | 33 | $6.2B | 349,669 | 0.91% | 10.56% | 0.88% | 5.62% |
| North Dakota | 29 | $6.0B | 216,358 | 0.92% | 13.49% | 1.73% | 5.10% |
| Arkansas | 47 | $5.4B | 383,571 | 0.81% | 16.95% | 0.89% | 5.68% |
| West Virginia | 74 | $5.3B | 375,849 | 0.83% | 13.43% | 1.15% | 5.45% |
| Nevada | 8 | $4.5B | 247,629 | 1.04% | 12.54% | 2.18% | 5.35% |
| Delaware | 15 | $3.2B | 267,659 | 0.48% | 14.07% | 0.93% | 5.90% |
| Puerto Rico | 4 | $1.3B | 109,935 | 0.87% | 13.02% | 0.46% | 5.24% |
| Guam | 2 | $865.7M | 66,192 | 0.94% | 12.29% | 0.66% | 4.00% |
| U.S. Virgin Islands | 5 | $167.6M | 17,974 | 0.60% | 17.49% | 0.81% | 8.00% |
Source: NCUA 5300 Call Report quarterly data, Q2 2026. Federally insured credit unions only (charter types 1 and 2); 85 privately insured filers are excluded. Not affiliated with NCUA. Download the underlying rows at /data/ or query them through the free API.