Lending · Q2 2026 call reports
Credit union credit cards, share of loans
Unsecured credit card balances divided by total loans. The median across all 4,290 credit unions reporting it was 1.63% for the quarter ended June 30, 2026. Among those with $100 million or more in assets, the middle half ran from 1.20% to 4.04% (median 2.40%).
Why it matters
Credit cards earn high yields but carry the highest loss rates of common consumer loans.
How it is calculated
Unsecured credit card balances divided by total loans.
NCUA 5300 call report accounts: ACCT_396 (unsecured credit card 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% | 0.00% | 0.00% |
| $2 million to $10 million | 537 | 0.00% | 0.00% | 0.00% |
| $10 million to $50 million | 1,134 | 0.00% | 1.17% | 3.78% |
| $50 million to $100 million | 573 | 0.99% | 2.35% | 4.53% |
| $100 million to $500 million | 1,061 | 1.09% | 2.24% | 3.95% |
| $500 million and up | 759 | 1.46% | 2.69% | 4.14% |
Highest credit cards, share of loans
Credit unions with $100 million or more in assets.
- The First Financial Federal Credit Union Pasadena, CA 24.20%
- American 1 Credit Union Jackson, MI 23.30%
- Navy Federal Credit Union Vienna, VA 22.81%
- SMW 104 Federal Credit Union Livermore, CA 17.90%
- Canton School Employees Federal Credit Union North Canton, OH 14.61%
- Lehigh Valley Educators Credit Union Allentown, PA 14.56%
- Extra Credit Union Warren, MI 14.08%
- Qualstar Credit Union Bothell, WA 12.58%
- Credit Union of Ohio Hilliard, OH 12.39%
- Rio Grande Valley Credit Union Harlingen, TX 12.17%
Lowest credit cards, share of loans
- One Community Federal Credit Union Parkersburg, WV 0.00%
- Indianhead Credit Union Spooner, WI 0.00%
- Greater Chautauqua Federal Credit Union Falconer, NY 0.00%
- McBryde Federal Credit Union Eleele, HI 0.00%
- Archer Cooperative Credit Union Archer, NE 0.00%
- I Am Federal Credit Union New York, NY 0.00%
- Northwest Christian Credit Union Nampa, ID 0.00%
- Farmway Credit Union Beloit, KS 0.00%
- The United Federal Credit Union Morgantown, WV 0.00%
- Southern Lakes Credit Union Kenosha, WI 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 |
|---|---|---|
| Virginia | 4.36% | 46 |
| Florida | 3.73% | 72 |
| Delaware | 3.70% | 6 |
| Michigan | 3.70% | 113 |
| Louisiana | 3.67% | 29 |
| Washington | 3.62% | 40 |
| South Carolina | 3.57% | 22 |
| District of Columbia | 3.47% | 11 |
| Maryland | 3.45% | 34 |
| Puerto Rico | 3.32% | 3 |
| California | 3.27% | 150 |
| Illinois | 3.27% | 53 |
| Pennsylvania | 3.03% | 86 |
| Ohio | 2.90% | 77 |
| Oregon | 2.77% | 29 |
| Hawaii | 2.77% | 25 |
| New Jersey | 2.75% | 29 |
| Vermont | 2.71% | 7 |
| Connecticut | 2.61% | 21 |
| Georgia | 2.42% | 30 |
| Alabama | 2.41% | 36 |
| Kansas | 2.39% | 19 |
| Kentucky | 2.30% | 17 |
| Utah | 2.26% | 22 |
| New York | 2.21% | 91 |
| North Carolina | 2.19% | 26 |
| South Dakota | 2.19% | 12 |
| Nevada | 2.15% | 11 |
| Arizona | 2.12% | 21 |
| Texas | 2.07% | 141 |
| Arkansas | 2.06% | 5 |
| Iowa | 2.06% | 29 |
| Missouri | 2.01% | 29 |
| Idaho | 1.95% | 17 |
| Indiana | 1.86% | 44 |
| Maine | 1.81% | 40 |
| Oklahoma | 1.81% | 27 |
| Tennessee | 1.79% | 41 |
| New Mexico | 1.70% | 16 |
| Alaska | 1.69% | 7 |
| Mississippi | 1.65% | 13 |
| Minnesota | 1.57% | 43 |
| Colorado | 1.56% | 37 |
| Nebraska | 1.54% | 16 |
| Montana | 1.53% | 17 |
| Wisconsin | 1.45% | 49 |
| New Hampshire | 1.18% | 9 |
| North Dakota | 1.12% | 12 |
| Wyoming | 0.90% | 11 |
| Massachusetts | 0.36% | 58 |
| Rhode Island | 0.11% | 8 |
| West Virginia | 0.00% | 11 |
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 credit cards, share of loans?
The median across 4,290 credit unions was 1.63% in the Q2 2026 call reports. Among credit unions with $100 million or more in assets, the middle half ran from 1.20% to 4.04%.
Is a higher credit cards, share of loans better?
Not necessarily. Credit cards, 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 credit cards, share of loans calculated?
Unsecured credit card balances divided by total loans. Source accounts on NCUA's 5300 call report: ACCT_396 (unsecured credit card loans); ACCT_025B (total loans).
Which credit union has the highest credit cards, share of loans?
The First Financial Federal Credit Union of Pasadena, CA, at 24.20% in Q2 2026, among credit unions with $100 million or more in assets.