Lending · Q2 2026 call reports
Credit union auto loans, share of loans
New and used vehicle loans divided by total loans. The median across all 4,290 credit unions reporting it was 43.11% for the quarter ended June 30, 2026. Among those with $100 million or more in assets, the middle half ran from 19.52% to 45.14% (median 30.89%).
Why it matters
Auto lending is the core consumer business of many credit unions. A high share means results move with the car market and used-vehicle prices.
How it is calculated
New plus used vehicle loans divided by total loans.
NCUA 5300 call report accounts: ACCT_385 (new vehicle loans) · ACCT_370 (used vehicle loans) · ACCT_025B (total loans). Methodology
How credit unions are spread
By NCUA peer group
| Assets | Count | 25th pct | Median | 75th pct |
|---|---|---|---|---|
| Under $2 million in assets | 226 | 0.00% | 53.40% | 78.59% |
| $2 million to $10 million | 537 | 54.80% | 69.55% | 80.35% |
| $10 million to $50 million | 1,134 | 38.07% | 56.97% | 72.19% |
| $50 million to $100 million | 573 | 26.12% | 41.91% | 58.30% |
| $100 million to $500 million | 1,061 | 21.97% | 34.74% | 49.13% |
| $500 million and up | 759 | 17.14% | 26.92% | 39.30% |
Highest auto loans, share of loans
Credit unions with $100 million or more in assets.
- Citizens Federal Credit Union Big Spring, TX 97.58%
- Cal-Com Federal Credit Union Port Lavaca, TX 93.42%
- N A E Federal Credit Union Chesapeake, VA 92.70%
- Credit Union of Dodge City Dodge City, KS 90.75%
- Lormet Community Federal Credit Union Amherst, OH 89.93%
- Citizens Community Credit Union Fort Dodge, IA 88.92%
- Holley Credit Union Paris, TN 87.39%
- Hughes Federal Credit Union Tucson, AZ 85.18%
- Heartland Credit Union Springfield, IL 84.90%
- Catholic & Community Credit Union Shiloh, IL 84.52%
Lowest auto loans, share of loans
- Ocean State Credit Union Coventry, RI 0.08%
- Naveo Credit Union Somerville, MA 0.40%
- California Lithuanian Credit Union Santa Monica, CA 0.45%
- Workmen's Circle Incorporated Credit Union Savannah, GA 0.48%
- Ukrainian National Federal Credit Union New York, NY 0.63%
- United Nations Federal Credit Union Long Island City, NY 0.69%
- Harvard Federal Credit Union Cambridge, MA 0.90%
- St. Michaels Fall River Federal Credit Union Fall River, MA 0.94%
- Port Washington Federal Credit Union Port Washington, NY 0.98%
- Wcla Credit Union Olympia, WA 1.04%
Median by state
Credit unions headquartered in each state, with $100 million or more in assets; states with at least three.
| State | Median | Count |
|---|---|---|
| New Mexico | 54.96% | 16 |
| Kansas | 52.21% | 19 |
| Oklahoma | 49.77% | 27 |
| Arkansas | 49.45% | 5 |
| Puerto Rico | 48.92% | 3 |
| Mississippi | 48.81% | 13 |
| Wyoming | 48.26% | 11 |
| Louisiana | 45.25% | 29 |
| Texas | 44.11% | 141 |
| Missouri | 44.05% | 29 |
| Nebraska | 42.51% | 16 |
| Florida | 40.89% | 72 |
| Illinois | 40.54% | 53 |
| Georgia | 40.34% | 30 |
| Alaska | 39.76% | 7 |
| Kentucky | 38.66% | 17 |
| Nevada | 38.12% | 11 |
| West Virginia | 38.04% | 11 |
| Arizona | 37.67% | 21 |
| Ohio | 36.32% | 77 |
| South Dakota | 35.15% | 12 |
| Tennessee | 34.73% | 41 |
| Indiana | 34.68% | 44 |
| Alabama | 34.39% | 36 |
| Idaho | 33.48% | 17 |
| Utah | 33.28% | 22 |
| Oregon | 32.96% | 29 |
| Iowa | 32.60% | 29 |
| South Carolina | 32.53% | 22 |
| Delaware | 31.40% | 6 |
| Pennsylvania | 31.29% | 86 |
| Maine | 30.89% | 40 |
| Colorado | 29.90% | 37 |
| Michigan | 27.78% | 113 |
| New Hampshire | 27.64% | 9 |
| Montana | 27.23% | 17 |
| Washington | 26.22% | 40 |
| North Carolina | 25.78% | 26 |
| Maryland | 25.71% | 34 |
| Minnesota | 25.70% | 43 |
| Connecticut | 23.68% | 21 |
| Virginia | 23.53% | 46 |
| New York | 23.01% | 91 |
| California | 22.49% | 150 |
| Wisconsin | 22.26% | 49 |
| New Jersey | 21.26% | 29 |
| Rhode Island | 21.21% | 8 |
| Vermont | 19.81% | 7 |
| Hawaii | 14.60% | 25 |
| District of Columbia | 10.44% | 11 |
| North Dakota | 10.33% | 12 |
| Massachusetts | 9.85% | 58 |
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 auto loans, share of loans?
The median across 4,290 credit unions was 43.11% in the Q2 2026 call reports. Among credit unions with $100 million or more in assets, the middle half ran from 19.52% to 45.14%.
Is a higher auto loans, share of loans better?
Not necessarily. Auto loans, share of loans 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 auto loans, share of loans calculated?
New plus used vehicle loans divided by total loans. Source accounts on NCUA's 5300 call report: ACCT_385 (new vehicle loans); ACCT_370 (used vehicle loans); ACCT_025B (total loans).
Which credit union has the highest auto loans, share of loans?
Citizens Federal Credit Union of Big Spring, TX, at 97.58% in Q2 2026, among credit unions with $100 million or more in assets.