Deposits · Q2 2026 call reports
Credit union certificates, share of deposits
Share certificates (CDs) divided by total shares and deposits. The median across all 4,297 credit unions reporting it was 20.03% for the quarter ended June 30, 2026. Among those with $100 million or more in assets, the middle half ran from 18.79% to 32.52% (median 25.67%).
Why it matters
Share certificates (CDs) cost more to fund than savings and checking. A rising share usually means a rising cost of funds.
How it is calculated
Share certificates divided by total shares and deposits.
NCUA 5300 call report accounts: ACCT_908C (total share certificates) · ACCT_018 (total shares and deposits). Methodology
How credit unions are spread
By NCUA peer group
| Assets | Count | 25th pct | Median | 75th pct |
|---|---|---|---|---|
| Under $2 million in assets | 231 | 0.00% | 0.00% | 0.00% |
| $2 million to $10 million | 538 | 0.00% | 3.51% | 22.99% |
| $10 million to $50 million | 1,135 | 5.14% | 15.01% | 26.71% |
| $50 million to $100 million | 573 | 10.47% | 18.18% | 26.76% |
| $100 million to $500 million | 1,061 | 16.20% | 23.27% | 31.01% |
| $500 million and up | 759 | 22.34% | 27.98% | 33.92% |
Highest certificates, share of deposits
Credit unions with $100 million or more in assets.
- Wcla Credit Union Olympia, WA 61.82%
- Port Washington Federal Credit Union Port Washington, NY 58.57%
- NASA Federal Credit Union Upper Marlboro, MD 58.00%
- Communication Federal Credit Union Oklahoma City, OK 57.89%
- Self Reliance Financial Federal Credit Union New York, NY 57.84%
- River Works Credit Union Lynn, MA 57.17%
- St. Michaels Fall River Federal Credit Union Fall River, MA 56.89%
- Wailuku Federal Credit Union Kahului, HI 56.11%
- Oklahoma Federal Credit Union Oklahoma City, OK 56.01%
- Lafayette Federal Credit Union Rockville, MD 55.37%
Lowest certificates, share of deposits
- McBryde Federal Credit Union Eleele, HI 0.00%
- Tacoma Longshoremen Credit Union Tacoma, WA 0.00%
- Allentown Federal Credit Union Allentown, PA 0.00%
- Aflac Federal Credit Union Columbus, GA 0.00%
- Campbell Federal Credit Union Maple Shade, NJ 0.00%
- Celco Community Federal Credit Union Narrows, VA 0.00%
- San Joaquin Power Employees Credit Union Fresno, CA 0.00%
- Long Beach Firemen S Credit Union Long Beach, CA 0.00%
- Bull Dog Federal Credit Union Hagerstown, MD 0.00%
- Long Beach City Employees Federal Credit Union Signal Hill, CA 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 |
|---|---|---|
| Puerto Rico | 36.46% | 3 |
| North Dakota | 34.75% | 12 |
| Utah | 34.19% | 22 |
| Kentucky | 32.52% | 17 |
| Massachusetts | 31.02% | 58 |
| Kansas | 30.98% | 19 |
| Arkansas | 30.82% | 5 |
| Hawaii | 30.73% | 25 |
| South Dakota | 30.18% | 12 |
| New Hampshire | 30.18% | 9 |
| Wyoming | 29.58% | 11 |
| District of Columbia | 29.31% | 11 |
| Alabama | 29.23% | 36 |
| Idaho | 29.16% | 17 |
| Tennessee | 27.69% | 41 |
| Rhode Island | 27.25% | 8 |
| New Mexico | 27.23% | 16 |
| Mississippi | 27.19% | 13 |
| Florida | 27.09% | 72 |
| Nebraska | 26.96% | 16 |
| Louisiana | 26.93% | 29 |
| Montana | 26.69% | 17 |
| Colorado | 26.46% | 37 |
| California | 26.20% | 150 |
| Pennsylvania | 26.00% | 86 |
| Texas | 25.71% | 141 |
| New York | 25.59% | 91 |
| Virginia | 25.50% | 46 |
| Oklahoma | 25.49% | 27 |
| Washington | 25.43% | 40 |
| Iowa | 25.34% | 29 |
| Indiana | 25.17% | 44 |
| Wisconsin | 25.09% | 49 |
| Illinois | 24.93% | 53 |
| Maryland | 24.78% | 34 |
| Maine | 24.65% | 40 |
| Arizona | 24.60% | 21 |
| Georgia | 24.49% | 30 |
| Connecticut | 24.24% | 21 |
| South Carolina | 24.03% | 22 |
| Ohio | 23.35% | 77 |
| Minnesota | 23.28% | 43 |
| North Carolina | 23.21% | 26 |
| Missouri | 23.16% | 29 |
| Alaska | 22.04% | 7 |
| Vermont | 21.81% | 7 |
| West Virginia | 21.41% | 11 |
| Michigan | 20.86% | 113 |
| Nevada | 20.30% | 11 |
| Oregon | 19.36% | 29 |
| Delaware | 18.47% | 6 |
| New Jersey | 14.01% | 29 |
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 certificates, share of deposits?
The median across 4,297 credit unions was 20.03% in the Q2 2026 call reports. Among credit unions with $100 million or more in assets, the middle half ran from 18.79% to 32.52%.
Is a higher certificates, share of deposits better?
Not necessarily. Certificates, share of deposits 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 certificates, share of deposits calculated?
Share certificates divided by total shares and deposits. Source accounts on NCUA's 5300 call report: ACCT_908C (total share certificates); ACCT_018 (total shares and deposits).
Which credit union has the highest certificates, share of deposits?
Wcla Credit Union of Olympia, WA, at 61.82% in Q2 2026, among credit unions with $100 million or more in assets.