Lending · Q2 2026 call reports
Credit union average loan size
Total loans divided by the number of loans. The median across all 4,290 credit unions reporting it was $14K for the quarter ended June 30, 2026. Among those with $100 million or more in assets, the middle half ran from $15K to $27K (median $20K).
Why it matters
Average loan size hints at a credit union's lending mix: home and business loans push it up, small consumer loans pull it down.
How it is calculated
Total loans divided by the number of loans.
NCUA 5300 call report accounts: ACCT_025B (total loans, dollars) · ACCT_025A (total loans, count). Methodology
How credit unions are spread
By NCUA peer group
| Assets | Count | 25th pct | Median | 75th pct |
|---|---|---|---|---|
| Under $2 million in assets | 226 | $3,708 | $6,898 | $9,860 |
| $2 million to $10 million | 537 | $7,394 | $10K | $13K |
| $10 million to $50 million | 1,134 | $9,173 | $12K | $16K |
| $50 million to $100 million | 573 | $10K | $14K | $19K |
| $100 million to $500 million | 1,061 | $13K | $17K | $23K |
| $500 million and up | 759 | $19K | $24K | $30K |
Highest average loan size
Credit unions with $100 million or more in assets.
- California Lithuanian Credit Union Santa Monica, CA $565K
- Workmen's Circle Incorporated Credit Union Savannah, GA $185K
- River Works Credit Union Lynn, MA $162K
- Self Reliance Financial Federal Credit Union New York, NY $131K
- Long Beach Firemen S Credit Union Long Beach, CA $118K
- Consumers Federal Credit Union Brooklyn, NY $117K
- Nova Ua Federal Credit Union Clifton, NJ $113K
- Wcla Credit Union Olympia, WA $108K
- Polish National Credit Union Chicopee, MA $105K
- St. Michaels Fall River Federal Credit Union Fall River, MA $103K
Lowest average loan size
- Landmark Credit Union Danville, IL $333
- Civic Central Credit Union Jefferson City, MO $343
- CGR Credit Union Macon, GA $410
- Sun Credit Union Hollywood, FL $492
- Powernet Credit Union Tampa, FL $533
- Florida West Coast Credit Union Brandon, FL $573
- Connect Credit Union Fort Lauderdale, FL $575
- First Choice Credit Union West Palm Beach, FL $607
- Family First Credit Union Hapeville, GA $660
- North Georgia Credit Union Toccoa, GA $766
Median by state
Credit unions headquartered in each state, with $100 million or more in assets; states with at least three.
| State | Median | Count |
|---|---|---|
| Rhode Island | $49K | 8 |
| North Dakota | $39K | 12 |
| Massachusetts | $37K | 58 |
| New Hampshire | $31K | 9 |
| Nevada | $29K | 11 |
| Washington | $27K | 40 |
| District of Columbia | $25K | 11 |
| Hawaii | $25K | 25 |
| Alaska | $25K | 7 |
| Idaho | $24K | 17 |
| California | $24K | 150 |
| Wisconsin | $24K | 49 |
| Colorado | $23K | 37 |
| Maryland | $23K | 34 |
| South Dakota | $22K | 12 |
| Wyoming | $22K | 11 |
| Indiana | $22K | 44 |
| Tennessee | $22K | 41 |
| Oregon | $22K | 29 |
| Montana | $22K | 17 |
| Vermont | $21K | 7 |
| West Virginia | $21K | 11 |
| Arizona | $21K | 21 |
| New York | $21K | 91 |
| Texas | $21K | 141 |
| Kentucky | $20K | 17 |
| New Jersey | $20K | 29 |
| Minnesota | $20K | 43 |
| North Carolina | $20K | 26 |
| New Mexico | $20K | 16 |
| Oklahoma | $20K | 27 |
| Utah | $20K | 22 |
| Virginia | $19K | 46 |
| Connecticut | $19K | 21 |
| Delaware | $18K | 6 |
| Iowa | $18K | 29 |
| Arkansas | $18K | 5 |
| Ohio | $18K | 77 |
| Florida | $18K | 72 |
| Pennsylvania | $18K | 86 |
| South Carolina | $18K | 22 |
| Nebraska | $18K | 16 |
| Alabama | $17K | 36 |
| Georgia | $17K | 30 |
| Kansas | $17K | 19 |
| Maine | $17K | 40 |
| Michigan | $16K | 113 |
| Louisiana | $16K | 29 |
| Puerto Rico | $14K | 3 |
| Mississippi | $13K | 13 |
| Missouri | $11K | 29 |
| Illinois | $10K | 53 |
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 loan size?
The median across 4,290 credit unions was $14K in the Q2 2026 call reports. Among credit unions with $100 million or more in assets, the middle half ran from $15K to $27K.
Is a higher average loan size better?
Not necessarily. Average loan size 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 loan size calculated?
Total loans divided by the number of loans. Source accounts on NCUA's 5300 call report: ACCT_025B (total loans, dollars); ACCT_025A (total loans, count).
Which credit union has the highest average loan size?
California Lithuanian Credit Union of Santa Monica, CA, at $565K in Q2 2026, among credit unions with $100 million or more in assets.