Credit Union Ledger
Menu

Deposits · Q2 2026 call reports

Credit union average deposits per member

Total shares and deposits divided by members. The median across all 4,299 credit unions reporting it was $12K for the quarter ended June 30, 2026. Among those with $100 million or more in assets, the middle half ran from $12K to $17K (median $14K).

Why it matters

Average deposits per member shows how much of members' financial lives a credit union holds.

How it is calculated

Total shares and deposits divided by members.

NCUA 5300 call report accounts: ACCT_018 (total shares and deposits) · ACCT_083 (members). Methodology

How credit unions are spread

Distribution of average deposits per member, Q2 2026 1,820 credit unions with $100 million or more in assets. Middle half from $12K to $17K, median $14K. $6,862 median $14K $39K
1,820 credit unions with $100 million or more in assets. Shaded: the middle half. Line: the median. The most extreme 1% at each end (38 credit unions) are left off the chart.

By NCUA peer group

AssetsCount25th pctMedian75th pct
Under $2 million in assets232$1,500$2,531$4,107
$2 million to $10 million539$4,298$5,868$7,758
$10 million to $50 million1,135$7,438$9,766$13K
$50 million to $100 million573$9,506$12K$15K
$100 million to $500 million1,061$11K$13K$16K
$500 million and up759$13K$15K$18K

Highest average deposits per member

Credit unions with $100 million or more in assets.

  1. Wcla Credit Union Olympia, WA $81K
  2. California Lithuanian Credit Union Santa Monica, CA $74K
  3. Workmen's Circle Incorporated Credit Union Savannah, GA $64K
  4. Star One Credit Union Sunnyvale, CA $62K
  5. Bank Fund Staff Federal Credit Union Washington, DC $58K
  6. Self Reliance Financial Federal Credit Union New York, NY $54K
  7. Hometown Credit Union Kulm, ND $54K
  8. Merck Employees Federal Credit Union Rahway, NJ $52K
  9. Caltech Employees Federal Credit Union La Canada, CA $50K
  10. Idb Global Federal Credit Union Washington, DC $50K

Lowest average deposits per member

  1. America's Christian Credit Union Glendora, CA $4,695
  2. Urw Community Federal Credit Union Danville, VA $5,235
  3. Fedex Employees Credit Association Federal Credit Union Memphis, TN $5,600
  4. Western Sun Federal Credit Union Broken Arrow, OK $5,726
  5. Ozark Federal Credit Union Poplar Bluff, MO $5,893
  6. Regional Federal Credit Union Winfield, IN $5,910
  7. Latino Community Credit Union Durham, NC $5,915
  8. I Am Federal Credit Union New York, NY $6,145
  9. Priority Trust Credit Union Houston, TX $6,207
  10. Centex Citizens Credit Union Mexia, TX $6,222

Median by state

Credit unions headquartered in each state, with $100 million or more in assets; states with at least three.

StateMedianCount
North Dakota$25K12
District of Columbia$22K11
Hawaii$18K25
Massachusetts$18K58
Rhode Island$17K8
California$17K150
Nevada$17K11
Washington$16K40
Wisconsin$16K49
Minnesota$16K43
Colorado$16K37
Iowa$15K29
New Hampshire$15K9
Oregon$15K29
Utah$15K22
Maine$15K40
Montana$15K17
New York$14K91
Michigan$14K113
South Dakota$14K12
Maryland$14K34
Idaho$14K17
New Jersey$14K29
Alaska$14K7
Tennessee$14K41
Oklahoma$14K27
New Mexico$14K16
Florida$14K72
Wyoming$14K11
Delaware$14K6
Indiana$14K44
Kentucky$14K17
Virginia$14K46
Ohio$13K77
Vermont$13K7
Pennsylvania$13K86
West Virginia$13K11
Alabama$13K36
Arkansas$13K5
Georgia$13K30
Connecticut$13K21
Arizona$13K21
Texas$13K141
Illinois$13K53
Missouri$13K29
North Carolina$13K26
South Carolina$12K22
Kansas$12K19
Louisiana$11K29
Nebraska$11K16
Puerto Rico$11K3
Mississippi$9,49613

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 average deposits per member?

The median across 4,299 credit unions was $12K in the Q2 2026 call reports. Among credit unions with $100 million or more in assets, the middle half ran from $12K to $17K.

Is a higher average deposits per member better?

Not necessarily. Average deposits per member 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 average deposits per member calculated?

Total shares and deposits divided by members. Source accounts on NCUA's 5300 call report: ACCT_018 (total shares and deposits); ACCT_083 (members).

Which credit union has the highest average deposits per member?

Wcla Credit Union of Olympia, WA, at $81K in Q2 2026, among credit unions with $100 million or more in assets.