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Lending · Q2 2026 call reports

Credit union business loans, share of loans

Commercial loans to members and nonmembers divided by total loans. The median across all 4,290 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 0.08% to 15.10% (median 5.87%).

Why it matters

Business lending is a growing line for larger credit unions and brings different risks from consumer lending.

How it is calculated

Commercial loans to members and nonmembers divided by total loans.

NCUA 5300 call report accounts: ACCT_400T1 (commercial loans, member and nonmember) · ACCT_025B (total loans). Methodology

How credit unions are spread

Distribution of business loans, share of loans, Q2 2026 1,820 credit unions with $100 million or more in assets. Middle half from 0.08% to 15.10%, median 5.87%. 0.00% median 5.87% 57.31%
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 (19 credit unions) are left off the chart.

By NCUA peer group

AssetsCount25th pctMedian75th pct
Under $2 million in assets2260.00%0.00%0.00%
$2 million to $10 million5370.00%0.00%0.00%
$10 million to $50 million1,1340.00%0.00%0.00%
$50 million to $100 million5730.00%0.00%0.34%
$100 million to $500 million1,0610.00%1.99%10.87%
$500 million and up7593.89%11.70%19.27%

Highest business loans, share of loans

Credit unions with $100 million or more in assets.

  1. Wcla Credit Union Olympia, WA 92.65%
  2. Hometown Credit Union Kulm, ND 81.95%
  3. Community Credit Union New Rockford, ND 78.00%
  4. Town and Country Credit Union Minot, ND 75.64%
  5. Old West Federal Credit Union John Day, OR 73.21%
  6. Beacon Credit Union Wabash, IN 71.99%
  7. Richland Federal Credit Union Sidney, MT 69.74%
  8. People's Community Federal Credit Union Vancouver, WA 69.40%
  9. Greater Community Credit Union Dawson, MN 68.15%
  10. First Community Credit Union Jamestown, ND 66.79%

Lowest business loans, share of loans

  1. Healthcare First Credit Union Johnstown, PA 0.00%
  2. Railroad Credit Union Irondale, AL 0.00%
  3. Tewksbury Federal Credit Union Tewksbury, MA 0.00%
  4. Common Trust Federal Credit Union Woburn, MA 0.00%
  5. One Community Federal Credit Union Parkersburg, WV 0.00%
  6. Indianhead Credit Union Spooner, WI 0.00%
  7. Compass Federal Credit Union Oswego, NY 0.00%
  8. Sterling United Federal Credit Union Evansville, IN 0.00%
  9. Cannon Federal Credit Union Clovis, NM 0.00%
  10. Greater Chautauqua Federal Credit Union Falconer, NY 0.00%

Median by state

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

StateMedianCount
North Dakota48.30%12
Utah21.49%22
Washington17.67%40
Alaska16.88%7
Delaware14.78%6
Indiana14.35%44
Idaho14.30%17
Oregon13.25%29
Vermont12.97%7
West Virginia12.96%11
Nevada11.50%11
South Dakota11.48%12
Ohio10.89%77
Arizona10.10%21
Wisconsin9.99%49
Colorado9.72%37
Massachusetts9.31%58
Montana8.92%17
Maryland8.84%34
Rhode Island8.61%8
Michigan8.51%113
Minnesota8.27%43
Kentucky8.00%17
Georgia7.28%30
Florida7.21%72
New Hampshire7.21%9
Pennsylvania6.92%86
North Carolina6.71%26
New Jersey6.61%29
South Carolina6.50%22
Iowa6.06%29
Mississippi5.43%13
Alabama5.17%36
California4.92%150
New York4.39%91
Virginia4.30%46
Maine3.95%40
Oklahoma3.73%27
Missouri3.55%29
Wyoming3.47%11
Kansas3.14%19
Illinois2.57%53
New Mexico2.31%16
Puerto Rico2.15%3
Tennessee2.05%41
Louisiana1.94%29
Nebraska1.20%16
Hawaii0.73%25
Connecticut0.25%21
Texas0.25%141
Arkansas0.00%5
District of Columbia0.00%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 business loans, share of loans?

The median across 4,290 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 0.08% to 15.10%.

Is a higher business loans, share of loans better?

Not necessarily. Business loans, 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 business loans, share of loans calculated?

Commercial loans to members and nonmembers divided by total loans. Source accounts on NCUA's 5300 call report: ACCT_400T1 (commercial loans, member and nonmember); ACCT_025B (total loans).

Which credit union has the highest business loans, share of loans?

Wcla Credit Union of Olympia, WA, at 92.65% in Q2 2026, among credit unions with $100 million or more in assets.