# Credit Union Ledger

> Size, members, capital and loan quality for every credit union that files an NCUA call report, plus who you can join.

Credit Union Ledger (creditunions.online) is an independent website, not affiliated with NCUA or any credit union. Contact: hello@creditunions.online.

## What is here
- One page per credit union that files NCUA's 5300 call report (4,299 filers, 4,214 federally insured), with assets, members, net worth ratio, 60+ day delinquency, five quarters of history, a peer-group comparison, state rank, main office phone and hours, and NCUA-listed offices. Data as of June 30, 2026 (NCUA 5300 Call Report Quarterly Data, https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data).
- A ranked table of credit unions for every state, a hand-checked list of credit unions anyone in the US can join, and a tracker of mergers from NCUA Merger Activity and Insurance Reports.
- Free CSV and JSON downloads keyed by NCUA charter number: https://creditunions.online/data/
- Every page also carries earnings, loan-quality, lending-mix, deposit-mix and loan-rate ratios (return on assets, net interest margin, efficiency, charge-offs, auto, card and mortgage rates) with percentile ranks against NCUA peer groups.

## Tools
- [Rankings](https://creditunions.online/rankings/): credit unions ranked on size, growth, capital, earnings, loan quality and loan rates, nationally, with the rule behind each list.
- [Compare](https://creditunions.online/compare/): up to four credit unions side by side on every metric, with a shareable link (?ids=5536,66310).
- [Screener](https://creditunions.online/screener/): filter all credit unions by state, size, charter and any ratio; sort; download CSV.
- [Peer report](https://creditunions.online/peer-report/): a printable report for one credit union against a chosen peer group (?id=<charter>).
- [Industry](https://creditunions.online/industry/): national totals, trends and medians by size group and state.
- [Calculators](https://creditunions.online/calculators/): auto loan, mortgage, personal loan, home equity and credit card payoff, prefilled with the median rate credit unions reported to NCUA (by state), plus an NCUA share insurance coverage estimator.
- [What each ratio means](https://creditunions.online/metrics/): one page per metric (for example https://creditunions.online/metrics/roa/) with its definition, NCUA account codes, industry and peer-group medians, distribution, leaders and state medians.
- City pages: every city with offices from three or more credit unions, with each office's address, phone and hours from NCUA's branch file (for example https://creditunions.online/state/texas/houston/; index per state at /state/<state>/cities/). Credit unions with more than 40 offices have a full locations page at /credit-union/<slug>/locations/.
- Side-by-side pages for commonly compared credit unions, for example https://creditunions.online/compare/navy-federal-credit-union-5536-vs-pentagon-federal-credit-union-227/; the full list is on https://creditunions.online/compare/.

## API and MCP server (free, no key)
- MCP server (Streamable HTTP): https://creditunions.online/mcp. Tools: search_credit_unions, get_credit_union, compare_credit_unions, rank_credit_unions, peer_report, state_summary, find_offices, list_metrics. Server card: https://creditunions.online/.well-known/mcp.json
- JSON API: https://creditunions.online/api/v1/index.json (every credit union: https://creditunions.online/api/v1/credit-unions.json; one by charter: https://creditunions.online/api/v1/credit-unions/5536.json; metric definitions: https://creditunions.online/api/v1/metrics.json).
- OpenAPI 3.1: https://creditunions.online/openapi.json. Docs and examples: https://creditunions.online/developers/

## How to cite
- Cite the credit union's page URL and the quarter, for example: "Navy Federal Credit Union, NCUA 5300 call report for the quarter ended June 30, 2026, via Credit Union Ledger (https://creditunions.online/credit-union/navy-federal-credit-union-5536/)". Figures are each credit union's own filing; this is not a safety rating, and Credit Union Ledger is not affiliated with NCUA.

## Start here
- [Look up any credit union's real numbers](https://creditunions.online/): Assets, members, capital and late loans for every credit union filing NCUA call reports, by state, plus who anyone can join and recent mergers.
- [Credit union rankings: largest, fastest growing, strongest](https://creditunions.online/rankings/): Every US credit union ranked on size, growth, capital, earnings, loan quality and loan rates, from NCUA call reports, with the rule behind each list.
- [Credit unions by state: counts, assets and members](https://creditunions.online/states/): How many credit unions are based in each state, with their combined assets and members from NCUA call reports, and a ranked list for every state.
- [Credit unions anyone can join, checked against their own rules](https://creditunions.online/credit-unions-anyone-can-join/): Credit unions open to anyone in the US, with the exact association or donation route, its cost, and each one's NCUA financial figures.
- [Credit union mergers and closures, from NCUA reports](https://creditunions.online/mergers-and-closures/): Every credit union merger NCUA approved in the last five quarterly reports, with the reason given, plus liquidations and conservatorships.
- [Credit union industry data: totals, trends and medians](https://creditunions.online/industry/): The US credit union industry from the latest NCUA call reports: assets, members, loans, earnings, capital and loan quality, by size group and state.
- [Credit union data downloads: call reports as CSV and JSON](https://creditunions.online/data/): Free CSV and JSON files of every credit union's NCUA call-report figures, offices and mergers, keyed by charter, with a column guide and license.
- [Credit union data API and MCP server: free](https://creditunions.online/developers/): A free JSON API and Model Context Protocol server for every US credit union's call-report figures and ratios. No key needed. Docs, examples and limits.
- [Methodology](https://creditunions.online/methodology/): Which NCUA files and account codes each figure comes from, how ratios, growth and peer medians are calculated, and how names and mergers are handled.
- [How to check a credit union's health](https://creditunions.online/guides/how-to-check-a-credit-union/): The three call-report numbers that matter to members, what NCUA capital categories mean, and what deposit insurance covers.
- [About Credit Union Ledger](https://creditunions.online/about/): Who publishes Credit Union Ledger, how it differs from NCUA's own tools, how often it updates, and how to report a problem with a page.

## Largest credit unions
- [Navy Federal Credit Union](https://creditunions.online/credit-union/navy-federal-credit-union-5536/): Vienna, VA; $204.4 billion in assets, 15,517,448 members (June 30, 2026).
- [State Employees' Credit Union](https://creditunions.online/credit-union/state-employees-credit-union-66310/): Raleigh, NC; $60.0 billion in assets, 2,998,339 members (June 30, 2026).
- [SchoolsFirst Federal Credit Union](https://creditunions.online/credit-union/schoolsfirst-federal-credit-union-24212/): Santa Ana, CA; $37.2 billion in assets, 1,579,561 members (June 30, 2026).
- [Boeing Employees Credit Union](https://creditunions.online/credit-union/boeing-employees-credit-union-62604/): Tukwila, WA; $29.6 billion in assets, 1,594,258 members (June 30, 2026).
- [Pentagon Federal Credit Union](https://creditunions.online/credit-union/pentagon-federal-credit-union-227/): McLean, VA; $29.2 billion in assets, 2,751,004 members (June 30, 2026).
- [First Technology Federal Credit Union](https://creditunions.online/credit-union/first-technology-federal-credit-union-23521/): San Jose, CA; $27.9 billion in assets, 1,870,858 members (June 30, 2026).
- [America First Federal Credit Union](https://creditunions.online/credit-union/america-first-federal-credit-union-24694/): Riverdale, UT; $26.0 billion in assets, 1,588,687 members (June 30, 2026).
- [Mountain America Federal Credit Union](https://creditunions.online/credit-union/mountain-america-federal-credit-union-24692/): Sandy, UT; $22.9 billion in assets, 1,458,467 members (June 30, 2026).
- [The Golden 1 Credit Union](https://creditunions.online/credit-union/the-golden-1-credit-union-61650/): Sacramento, CA; $22.2 billion in assets, 1,199,691 members (June 30, 2026).
- [Suncoast Credit Union](https://creditunions.online/credit-union/suncoast-credit-union-68645/): Tampa, FL; $20.8 billion in assets, 1,408,203 members (June 30, 2026).
- [Alliant Credit Union](https://creditunions.online/credit-union/alliant-credit-union-67955/): Chicago, IL; $20.0 billion in assets, 953,370 members (June 30, 2026).
- [Randolph-Brooks Federal Credit Union](https://creditunions.online/credit-union/randolph-brooks-federal-credit-union-8111/): Universal City, TX; $19.6 billion in assets, 1,152,532 members (June 30, 2026).
- [Wings Credit Union](https://creditunions.online/credit-union/wings-credit-union-68671/): Colorado Springs, CO; $19.4 billion in assets, 958,216 members (June 30, 2026).
- [Lake Michigan Credit Union](https://creditunions.online/credit-union/lake-michigan-credit-union-62514/): Grand Rapids, MI; $17.3 billion in assets, 536,976 members (June 30, 2026).
- [Idaho Central Credit Union](https://creditunions.online/credit-union/idaho-central-credit-union-63194/): Chubbuck, ID; $15.5 billion in assets, 821,866 members (June 30, 2026).

## States with the most credit unions
- [Credit unions in Texas](https://creditunions.online/state/texas/): 380 headquartered there.
- [Credit unions in Pennsylvania](https://creditunions.online/state/pennsylvania/): 269 headquartered there.
- [Credit unions in New York](https://creditunions.online/state/new-york/): 268 headquartered there.
- [Credit unions in California](https://creditunions.online/state/california/): 239 headquartered there.
- [Credit unions in Ohio](https://creditunions.online/state/ohio/): 192 headquartered there.
- [Credit unions in Illinois](https://creditunions.online/state/illinois/): 188 headquartered there.
- [Credit unions in Michigan](https://creditunions.online/state/michigan/): 169 headquartered there.
- [Credit unions in Louisiana](https://creditunions.online/state/louisiana/): 136 headquartered there.
- [Credit unions in New Jersey](https://creditunions.online/state/new-jersey/): 126 headquartered there.
- [Credit unions in Tennessee](https://creditunions.online/state/tennessee/): 125 headquartered there.

## Everything else
- Every indexable page with a one-line summary: https://creditunions.online/llms-full.txt