What is the average credit union cash to assets?

The median across 4,299 credit unions was 20.98% in the Q2 2026 call reports. Among credit unions with $100 million or more in assets, the middle half ran from 6.27% to 16.65%.

Is a higher cash to assets better?

Not necessarily. Cash 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 cash to assets calculated?

Cash and other deposits divided by total assets. Source accounts on NCUA's 5300 call report: ACCT_AS0009 (total cash and other deposits); ACCT_010 (total assets).

Which credit union has the highest cash to assets?

Lesco Federal Credit Union of Latrobe, PA, at 80.59% in Q2 2026, among credit unions with $100 million or more in assets.

Liquidity · Q2 2026 call reports

Credit union cash to assets

Cash and other deposits divided by total assets. The median across all 4,299 credit unions reporting it was 20.98% for the quarter ended June 30, 2026. Among those with $100 million or more in assets, the middle half ran from 6.27% to 16.65% (median 10.13%).

Why it matters

Cash is the most liquid asset a credit union holds; it is what pays out members who withdraw.

How it is calculated

Cash and other deposits divided by total assets.

NCUA 5300 call report accounts: ACCT_AS0009 (total cash and other deposits) · ACCT_010 (total assets). Methodology

How credit unions are spread

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

Assets	Count	25th pct	Median	75th pct
Under $2 million in assets	232	36.31%	59.56%	81.06%
$2 million to $10 million	539	26.52%	41.94%	59.61%
$10 million to $50 million	1,135	21.16%	35.70%	51.74%
$50 million to $100 million	573	13.80%	24.68%	38.51%
$100 million to $500 million	1,061	8.47%	13.51%	22.08%
$500 million and up	759	4.97%	7.51%	10.81%

Highest cash to assets

Credit unions with $100 million or more in assets.

Lesco Federal Credit Union Latrobe, PA 80.59%
Mobile Educators Credit Union Mobile, AL 76.80%
Illinois State Police Federal Credit Union Springfield, IL 76.25%
Iron Mountain Kingsford Community Federal Credit Union Kingsford, MI 73.66%
Big Island Federal Credit Union Hilo, HI 64.67%
Central Maine Federal Credit Union Lewiston, ME 62.24%
Tacoma Longshoremen Credit Union Tacoma, WA 60.82%
Healthcare First Credit Union Johnstown, PA 59.76%
Moog Employees Federal Credit Union East Aurora, NY 59.22%
Ufcw Community Federal Credit Union Wyoming, PA 57.06%

Lowest cash to assets

Missouri Electric Cooperatives Empl Credit Union Jefferson City, MO 0.24%
State Farm Federal Credit Union Bloomington, IL 0.33%
Utica Gas & Electric Emp Federal Credit Union New Hartford, NY 0.48%
Ufirst Federal Credit Union Plattsburgh, NY 0.57%
Northwest Federal Credit Union Herndon, VA 0.64%
Land of Lincoln Credit Union Decatur, IL 0.71%
Advance Financial Federal Credit Union Schererville, IN 0.71%
Three Rivers Federal Credit Union Fort Wayne, IN 0.78%
Financial Resources Federal Credit Union Branchburg, NJ 0.92%
Abnb Federal Credit Union Chesapeake, VA 1.00%

Median by state

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

State	Median	Count
West Virginia	19.46%	11
Maine	16.73%	40
South Dakota	16.25%	12
Nevada	15.51%	11
Mississippi	15.14%	13
Arkansas	13.88%	5
Connecticut	12.93%	21
Oregon	12.78%	29
Montana	12.25%	17
Tennessee	12.16%	41
New Mexico	11.88%	16
Alabama	11.77%	36
Colorado	11.66%	37
Florida	11.55%	72
North Carolina	11.55%	26
Pennsylvania	11.51%	86
Wyoming	11.42%	11
Georgia	11.40%	30
Nebraska	11.37%	16
Alaska	11.35%	7
Kansas	11.26%	19
Missouri	10.88%	29
Kentucky	10.78%	17
South Carolina	10.76%	22
Iowa	10.73%	29
Delaware	10.40%	6
Michigan	10.32%	113
Ohio	10.00%	77
Texas	9.97%	141
Wisconsin	9.70%	49
Minnesota	9.63%	43
Illinois	9.60%	53
Louisiana	9.58%	29
New York	9.52%	91
Washington	9.49%	40
Hawaii	9.47%	25
Arizona	9.17%	21
California	9.12%	150
Oklahoma	9.10%	27
Utah	8.31%	22
Vermont	8.14%	7
Virginia	8.05%	46
Maryland	8.02%	34
Indiana	7.90%	44
New Jersey	7.78%	29
Massachusetts	7.55%	58
Idaho	6.69%	17
North Dakota	6.16%	12
New Hampshire	6.12%	9
District of Columbia	5.46%	11
Puerto Rico	4.38%	3
Rhode Island	4.13%	8

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.