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Liquidity · Q2 2026 call reports

Credit union investments to assets

Investment securities divided by total assets. The median across all 4,299 credit unions reporting it was 5.48% for the quarter ended June 30, 2026. Among those with $100 million or more in assets, the middle half ran from 5.28% to 21.36% (median 11.64%).

Why it matters

Investments are money a credit union is not lending. A high share means more liquidity but also more exposure to bond prices when rates move.

How it is calculated

Total investment securities divided by total assets.

NCUA 5300 call report accounts: ACCT_AS0013 (total investment securities) · ACCT_010 (total assets). Methodology

How credit unions are spread

Distribution of investments to assets, Q2 2026 1,820 credit unions with $100 million or more in assets. Middle half from 5.28% to 21.36%, median 11.64%. 0.00% median 11.64% 57.78%
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 assets2320.00%0.00%0.00%
$2 million to $10 million5390.00%0.00%0.00%
$10 million to $50 million1,1350.00%0.00%13.86%
$50 million to $100 million5730.00%6.89%24.23%
$100 million to $500 million1,0614.53%11.95%22.96%
$500 million and up7595.93%10.95%18.66%

Highest investments to assets

Credit unions with $100 million or more in assets.

  1. Merck Employees Federal Credit Union Rahway, NJ 80.60%
  2. State Farm Federal Credit Union Bloomington, IL 80.54%
  3. McBryde Federal Credit Union Eleele, HI 77.88%
  4. Aflac Federal Credit Union Columbus, GA 76.29%
  5. Educators Credit Union Waco, TX 71.08%
  6. Best Reward Federal Credit Union Brook Park, OH 67.13%
  7. Firestone Federal Credit Union Akron, OH 66.29%
  8. Walled Lake Schools Federal Credit Union Wolverine Lake, MI 64.53%
  9. Comtrust Federal Credit Union Chattanooga, TN 64.34%
  10. Lehigh Valley Educators Credit Union Allentown, PA 63.30%

Lowest investments to assets

  1. Gardiner Federal Credit Union Gardiner, ME 0.00%
  2. One Community Federal Credit Union Parkersburg, WV 0.00%
  3. Timberland Federal Credit Union Dubois, PA 0.00%
  4. Community Star Credit Union Elyria, OH 0.00%
  5. Windthorst Federal Credit Union Windthorst, TX 0.00%
  6. First Watch Federal Credit Union Abilene, TX 0.00%
  7. Sheridan Community Federal Credit Union Sheridan, WY 0.00%
  8. Consumers Federal Credit Union Brooklyn, NY 0.00%
  9. Winthrop Area Federal Credit Union Winthrop, ME 0.00%
  10. Rockdale Federal Credit Union Rockdale, TX 0.00%

Median by state

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

StateMedianCount
Hawaii31.40%25
Delaware27.08%6
District of Columbia25.80%11
New Jersey18.98%29
Puerto Rico17.95%3
Oklahoma16.40%27
Alabama16.26%36
Pennsylvania15.73%86
New Mexico15.51%16
California15.20%150
Montana15.16%17
Arkansas14.60%5
Arizona14.36%21
Connecticut14.30%21
Virginia14.24%46
Florida14.16%72
New York13.56%91
Ohio13.39%77
North Carolina13.18%26
Indiana13.13%44
Michigan13.13%113
North Dakota13.10%12
Nevada12.84%11
Mississippi12.22%13
Georgia12.07%30
Massachusetts11.91%58
Maryland11.85%34
Illinois11.59%53
New Hampshire11.07%9
Colorado10.83%37
South Carolina10.60%22
Texas10.43%141
Kentucky10.26%17
Oregon10.22%29
Missouri9.51%29
West Virginia9.04%11
Tennessee8.59%41
Minnesota8.22%43
Alaska8.16%7
Vermont8.07%7
Washington8.00%40
Rhode Island7.95%8
South Dakota7.62%12
Wisconsin7.36%49
Utah7.22%22
Kansas7.05%19
Maine5.34%40
Idaho5.01%17
Iowa3.86%29
Louisiana3.66%29
Wyoming2.77%11
Nebraska2.07%16

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 investments to assets?

The median across 4,299 credit unions was 5.48% in the Q2 2026 call reports. Among credit unions with $100 million or more in assets, the middle half ran from 5.28% to 21.36%.

Is a higher investments to assets better?

Not necessarily. Investments 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 investments to assets calculated?

Total investment securities divided by total assets. Source accounts on NCUA's 5300 call report: ACCT_AS0013 (total investment securities); ACCT_010 (total assets).

Which credit union has the highest investments to assets?

Merck Employees Federal Credit Union of Rahway, NJ, at 80.60% in Q2 2026, among credit unions with $100 million or more in assets.