Operations · Q2 2026 call reports
Credit union assets per employee
Total assets divided by full-time-equivalent employees. The median across all 4,218 credit unions reporting it was $4.7M for the quarter ended June 30, 2026. Among those with $50.0 million or more in assets, the middle half ran from $4.3M to $7.0M (median $5.4M).
Why it matters
Assets per employee is another productivity measure, higher where balances are large and staffing lean.
How it is calculated
Total assets divided by full-time-equivalent employees.
NCUA 5300 call report accounts: ACCT_010 (total assets) · ACCT_564A (full-time employees) · ACCT_564B (part-time employees). Methodology
How credit unions are spread
By NCUA peer group
| Assets | Count | 25th pct | Median | 75th pct |
|---|---|---|---|---|
| Under $2 million in assets | 169 | $633K | $1.0M | $1.7M |
| $2 million to $10 million | 525 | $1.9M | $2.6M | $3.6M |
| $10 million to $50 million | 1,131 | $3.4M | $4.3M | $5.7M |
| $50 million to $100 million | 573 | $3.9M | $5.1M | $6.6M |
| $100 million to $500 million | 1,061 | $4.0M | $4.9M | $6.4M |
| $500 million and up | 759 | $5.3M | $6.3M | $7.8M |
Highest assets per employee
Credit unions with $50.0 million or more in assets.
- Merck Employees Federal Credit Union Rahway, NJ $96.3M
- State Farm Federal Credit Union Bloomington, IL $41.7M
- Star One Credit Union Sunnyvale, CA $37.4M
- Connecticut State Employees Credit Union Hartford, CT $36.9M
- F & A Federal Credit Union Monterey Park, CA $29.6M
- Schlumberger Employees Credit Union Sugar Land, TX $29.2M
- Long Beach Firemen S Credit Union Long Beach, CA $28.8M
- Caltech Employees Federal Credit Union La Canada, CA $26.9M
- Firestone Federal Credit Union Akron, OH $26.4M
- N C P D Federal Credit Union Plainview, NY $25.6M
Lowest assets per employee
- One Detroit Credit Union Detroit, MI $1.5M
- Credit Union for Robertson County Springfield, TN $1.8M
- Ferguson Federal Credit Union Monticello, MS $1.9M
- Southern Chautauqua Federal Credit Union Lakewood, NY $2.0M
- Natco Credit Union Richmond, IN $2.0M
- Texas Plains Federal Credit Union Amarillo, TX $2.1M
- Thornapple Credit Union Hastings, MI $2.2M
- La Joya Area Federal Credit Union La Joya, TX $2.2M
- The Bridgeway Federal Credit Union Phenix City, AL $2.2M
- Gulf Coast Community Federal Credit Union Gulfport, MS $2.3M
Median by state
Credit unions headquartered in each state, with $50.0 million or more in assets; states with at least three.
| State | Median | Count |
|---|---|---|
| Hawaii | $7.4M | 30 |
| District of Columbia | $7.3M | 13 |
| California | $7.3M | 184 |
| Massachusetts | $7.0M | 68 |
| Nevada | $7.0M | 12 |
| Rhode Island | $6.6M | 10 |
| Minnesota | $6.5M | 51 |
| New Hampshire | $6.5M | 10 |
| Utah | $6.3M | 27 |
| Washington | $6.2M | 60 |
| New Jersey | $6.0M | 44 |
| North Dakota | $6.0M | 15 |
| New York | $5.9M | 128 |
| Colorado | $5.9M | 47 |
| Maryland | $5.8M | 40 |
| Virginia | $5.8M | 59 |
| Pennsylvania | $5.6M | 124 |
| Kentucky | $5.5M | 28 |
| West Virginia | $5.5M | 22 |
| Wyoming | $5.4M | 14 |
| Connecticut | $5.4M | 31 |
| Illinois | $5.4M | 72 |
| Florida | $5.4M | 80 |
| Oregon | $5.4M | 37 |
| Oklahoma | $5.4M | 30 |
| Arizona | $5.4M | 24 |
| Iowa | $5.4M | 38 |
| Nebraska | $5.3M | 23 |
| Maine | $5.3M | 45 |
| Delaware | $5.2M | 8 |
| New Mexico | $5.2M | 21 |
| Wisconsin | $5.2M | 65 |
| Idaho | $5.2M | 21 |
| Alabama | $5.0M | 44 |
| Tennessee | $5.0M | 64 |
| Ohio | $4.9M | 105 |
| Texas | $4.8M | 190 |
| Montana | $4.8M | 21 |
| Puerto Rico | $4.8M | 3 |
| Indiana | $4.7M | 65 |
| North Carolina | $4.7M | 37 |
| Michigan | $4.7M | 136 |
| Georgia | $4.6M | 33 |
| Kansas | $4.5M | 27 |
| South Carolina | $4.5M | 31 |
| South Dakota | $4.4M | 15 |
| Vermont | $4.4M | 7 |
| Missouri | $4.4M | 42 |
| Louisiana | $3.8M | 48 |
| Alaska | $3.8M | 7 |
| Arkansas | $3.7M | 16 |
| Mississippi | $3.3M | 18 |
Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA. Every credit union's figure is on its own page, in the screener, and in the free API.
Questions people ask
What is the average credit union assets per employee?
The median across 4,218 credit unions was $4.7M in the Q2 2026 call reports. Among credit unions with $50.0 million or more in assets, the middle half ran from $4.3M to $7.0M.
Is a higher assets per employee better?
Not necessarily. Assets per employee describes how a credit union is run rather than how well, so it is best read against credit unions of the same size and business mix.
How is assets per employee calculated?
Total assets divided by full-time-equivalent employees. Source accounts on NCUA's 5300 call report: ACCT_010 (total assets); ACCT_564A (full-time employees); ACCT_564B (part-time employees).
Which credit union has the highest assets per employee?
Merck Employees Federal Credit Union of Rahway, NJ, at $96.3M in Q2 2026, among credit unions with $50.0 million or more in assets.