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Deposits · Q2 2026 call reports

Credit union core deposits, share of deposits

Regular shares, share drafts (checking) and money market shares divided by total shares and deposits. The median across all 4,297 credit unions reporting it was 74.56% for the quarter ended June 30, 2026. Among those with $100 million or more in assets, the middle half ran from 60.50% to 76.45% (median 68.52%).

Why it matters

Regular shares, checking and money market accounts are cheaper and stickier funding than certificates.

How it is calculated

Regular shares plus share drafts plus money market shares, divided by total shares and deposits.

NCUA 5300 call report accounts: ACCT_657 (regular shares) · ACCT_902 (share drafts) · ACCT_911 (money market shares) · ACCT_018 (total shares and deposits). Methodology

How credit unions are spread

Distribution of core deposits, share of deposits, Q2 2026 1,820 credit unions with $100 million or more in assets. Middle half from 60.50% to 76.45%, median 68.52%. 36.04% median 68.52% 96.56%
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

AssetsCount25th pctMedian75th pct
Under $2 million in assets23195.22%100%100%
$2 million to $10 million53870.94%90.80%100%
$10 million to $50 million1,13567.21%79.67%91.36%
$50 million to $100 million57366.47%76.37%85.31%
$100 million to $500 million1,06162.05%70.86%79.04%
$500 million and up75958.94%66.56%72.40%

Highest core deposits, share of deposits

Credit unions with $100 million or more in assets.

  1. Caltech Employees Federal Credit Union La Canada, CA 100%
  2. Long Beach City Employees Federal Credit Union Signal Hill, CA 100%
  3. San Joaquin Power Employees Credit Union Fresno, CA 100%
  4. Aflac Federal Credit Union Columbus, GA 100%
  5. Tacoma Longshoremen Credit Union Tacoma, WA 100%
  6. McBryde Federal Credit Union Eleele, HI 100%
  7. Allentown Federal Credit Union Allentown, PA 100.00%
  8. Bull Dog Federal Credit Union Hagerstown, MD 99.20%
  9. Gold Coast Federal Credit Union Palm Springs, FL 98.71%
  10. Mygeorgia Credit Union Gainesville, GA 98.60%

Lowest core deposits, share of deposits

  1. Lafayette Federal Credit Union Rockville, MD 12.88%
  2. Wcla Credit Union Olympia, WA 23.83%
  3. Freedom Northwest Credit Union Kamiah, ID 25.62%
  4. Self Reliance Financial Federal Credit Union New York, NY 26.08%
  5. Connexus Credit Union Wausau, WI 32.08%
  6. Oklahoma Educators Credit Union Oklahoma City, OK 32.11%
  7. Consumers Federal Credit Union Brooklyn, NY 32.16%
  8. Members Trust of the Southwest Federal Credit Union Houston, TX 32.44%
  9. Greenwood Credit Union Warwick, RI 33.32%
  10. Aneca Federal Credit Union Shreveport, LA 33.42%

Median by state

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

StateMedianCount
New Jersey81.77%29
Oregon77.00%29
Delaware76.27%6
Nevada75.82%11
Alaska75.79%7
West Virginia73.80%11
Vermont73.35%7
Michigan73.01%113
Minnesota71.75%43
Arizona71.73%21
North Carolina71.64%26
Washington71.50%40
Wisconsin71.10%49
Georgia70.88%30
South Carolina70.78%22
Ohio70.57%77
Missouri70.55%29
Connecticut70.37%21
Montana70.16%17
Indiana69.73%44
New York69.36%91
District of Columbia69.19%11
Pennsylvania69.16%86
California68.83%150
Maryland68.69%34
New Mexico68.52%16
Iowa68.18%29
Texas68.04%141
Mississippi67.94%13
Virginia67.44%46
Rhode Island67.43%8
Colorado67.30%37
Florida66.74%72
Illinois66.73%53
Nebraska66.64%16
South Dakota65.37%12
Idaho65.31%17
Maine65.04%40
New Hampshire65.01%9
Kansas64.78%19
Oklahoma64.51%27
Hawaii64.47%25
Tennessee63.39%41
Louisiana63.34%29
Massachusetts62.35%58
Wyoming62.31%11
Alabama61.02%36
Kentucky60.58%17
North Dakota60.26%12
Puerto Rico60.05%3
Utah58.94%22
Arkansas58.44%5

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 core deposits, share of deposits?

The median across 4,297 credit unions was 74.56% in the Q2 2026 call reports. Among credit unions with $100 million or more in assets, the middle half ran from 60.50% to 76.45%.

Is a higher core deposits, share of deposits better?

Not necessarily. Core deposits, 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 core deposits, share of deposits calculated?

Regular shares plus share drafts plus money market shares, divided by total shares and deposits. Source accounts on NCUA's 5300 call report: ACCT_657 (regular shares); ACCT_902 (share drafts); ACCT_911 (money market shares); ACCT_018 (total shares and deposits).

Which credit union has the highest core deposits, share of deposits?

Caltech Employees Federal Credit Union of La Canada, CA, at 100% in Q2 2026, among credit unions with $100 million or more in assets.