Liquidity · Q2 2026 call reports
Credit union borrowings to assets
Total borrowings divided by total assets. The median across all 4,299 credit unions reporting it was 0.00% for the quarter ended June 30, 2026. Among those with $100 million or more in assets, the middle half ran from 0.00% to 2.40% (median 0.00%).
Why it matters
Most credit unions fund themselves with member deposits. Heavy borrowing usually means lending has outrun deposits.
How it is calculated
Total borrowings divided by total assets.
NCUA 5300 call report accounts: ACCT_860C (total borrowings) · ACCT_010 (total assets). Methodology
How credit unions are spread
By NCUA peer group
| Assets | Count | 25th pct | Median | 75th pct |
|---|---|---|---|---|
| Under $2 million in assets | 232 | 0.00% | 0.00% | 0.00% |
| $2 million to $10 million | 539 | 0.00% | 0.00% | 0.00% |
| $10 million to $50 million | 1,135 | 0.00% | 0.00% | 0.00% |
| $50 million to $100 million | 573 | 0.00% | 0.00% | 0.00% |
| $100 million to $500 million | 1,061 | 0.00% | 0.00% | 0.00% |
| $500 million and up | 759 | 0.00% | 1.47% | 5.20% |
Highest borrowings to assets
Credit unions with $100 million or more in assets.
- ESL Federal Credit Union Rochester, NY 26.30%
- Skyward Credit Union Wichita, KS 26.21%
- Hope Federal Credit Union Jackson, MS 25.90%
- First Community Credit Union Houston, TX 25.81%
- Wescom Central Credit Union Pasadena, CA 25.42%
- F & A Federal Credit Union Monterey Park, CA 23.71%
- Aerospace Federal Credit Union Los Angeles, CA 21.50%
- Workers Federal Credit Union Littleton, MA 21.19%
- Inspire Federal Credit Union Newtown, PA 20.99%
- Kauai Federal Credit Union Lihue, HI 19.71%
Lowest borrowings to assets
- Healthcare First Credit Union Johnstown, PA 0.00%
- Railroad Credit Union Irondale, AL 0.00%
- Gardiner Federal Credit Union Gardiner, ME 0.00%
- Tewksbury Federal Credit Union Tewksbury, MA 0.00%
- Common Trust Federal Credit Union Woburn, MA 0.00%
- One Community Federal Credit Union Parkersburg, WV 0.00%
- Compass Credit Union Sparta, MI 0.00%
- Indianhead Credit Union Spooner, WI 0.00%
- Serve Credit Union Des Moines, IA 0.00%
- Compass Federal Credit Union Oswego, NY 0.00%
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 | 4.69% | 8 |
| Massachusetts | 2.10% | 58 |
| Vermont | 1.76% | 7 |
| Arizona | 1.15% | 21 |
| Wisconsin | 0.98% | 49 |
| New Hampshire | 0.85% | 9 |
| North Carolina | 0.44% | 26 |
| Alaska | 0.43% | 7 |
| Washington | 0.15% | 40 |
| Alabama | 0.00% | 36 |
| Arkansas | 0.00% | 5 |
| California | 0.00% | 150 |
| Colorado | 0.00% | 37 |
| Connecticut | 0.00% | 21 |
| Delaware | 0.00% | 6 |
| District of Columbia | 0.00% | 11 |
| Florida | 0.00% | 72 |
| Georgia | 0.00% | 30 |
| Hawaii | 0.00% | 25 |
| Idaho | 0.00% | 17 |
| Illinois | 0.00% | 53 |
| Indiana | 0.00% | 44 |
| Iowa | 0.00% | 29 |
| Kansas | 0.00% | 19 |
| Kentucky | 0.00% | 17 |
| Louisiana | 0.00% | 29 |
| Maine | 0.00% | 40 |
| Maryland | 0.00% | 34 |
| Michigan | 0.00% | 113 |
| Minnesota | 0.00% | 43 |
| Mississippi | 0.00% | 13 |
| Missouri | 0.00% | 29 |
| Montana | 0.00% | 17 |
| Nebraska | 0.00% | 16 |
| Nevada | 0.00% | 11 |
| New Jersey | 0.00% | 29 |
| New Mexico | 0.00% | 16 |
| New York | 0.00% | 91 |
| North Dakota | 0.00% | 12 |
| Ohio | 0.00% | 77 |
| Oklahoma | 0.00% | 27 |
| Oregon | 0.00% | 29 |
| Pennsylvania | 0.00% | 86 |
| South Carolina | 0.00% | 22 |
| South Dakota | 0.00% | 12 |
| Tennessee | 0.00% | 41 |
| Texas | 0.00% | 141 |
| Utah | 0.00% | 22 |
| Virginia | 0.00% | 46 |
| West Virginia | 0.00% | 11 |
| Wyoming | 0.00% | 11 |
| Puerto Rico | 0.00% | 3 |
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 borrowings to assets?
The median across 4,299 credit unions was 0.00% in the Q2 2026 call reports. Among credit unions with $100 million or more in assets, the middle half ran from 0.00% to 2.40%.
Is a higher borrowings to assets better?
Not necessarily. Borrowings to assets 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 borrowings to assets calculated?
Total borrowings divided by total assets. Source accounts on NCUA's 5300 call report: ACCT_860C (total borrowings); ACCT_010 (total assets).
Which credit union has the highest borrowings to assets?
ESL Federal Credit Union of Rochester, NY, at 26.30% in Q2 2026, among credit unions with $100 million or more in assets.