Growth (12 months) · Q2 2026 call reports
Credit union loan growth
Change in loans outstanding over the last 12 months. The median across all 4,273 credit unions reporting it was +0.61% for the quarter ended June 30, 2026. Among those with $50.0 million or more in assets, the middle half ran from -1.44% to +7.81% (median +3.02%).
Why it matters
Loan growth shows how actively a credit union is lending. Strong growth with rising delinquency deserves a closer look.
How it is calculated
Loans this quarter minus loans a year earlier, divided by the year-earlier figure.
NCUA 5300 call report accounts: ACCT_025B (this quarter and a year earlier). Methodology
How credit unions are spread
By NCUA peer group
| Assets | Count | 25th pct | Median | 75th pct |
|---|---|---|---|---|
| Under $2 million in assets | 226 | -20.80% | -7.26% | +5.70% |
| $2 million to $10 million | 536 | -13.53% | -6.04% | +0.58% |
| $10 million to $50 million | 1,132 | -7.88% | -2.43% | +3.23% |
| $50 million to $100 million | 571 | -5.51% | -0.16% | +4.90% |
| $100 million to $500 million | 1,058 | -1.20% | +2.87% | +7.73% |
| $500 million and up | 750 | +1.21% | +5.34% | +9.55% |
Highest loan growth
Using the rules of the national ranking. See the top 100.
- Meritrust Credit Union Broomfield, CO +144%
- CommunityAmerica Federal Credit Union Lenexa, KS +138%
- Finanta Federal Credit Union Lancaster, PA +126%
- First Technology Federal Credit Union San Jose, CA +105%
- CorePlus Federal Credit Union Norwich, CT +96.63%
- Clean Energy Federal Credit Union Englewood, CO +80.71%
- Jacom Credit Union Los Angeles, CA +80.36%
- Wings Credit Union Colorado Springs, CO +80.22%
- Alliance Credit Union Lubbock, TX +63.25%
- Self Reliance Financial Federal Credit Union New York, NY +58.53%
Lowest loan growth
- Lafayette Federal Credit Union Rockville, MD -35.94%
- South Texas Federal Credit Union McAllen, TX -30.12%
- Family Advantage Federal Credit Union Spring Hill, TN -27.56%
- Lincoln Park Community Credit Union Lincoln Park, MI -23.14%
- Resource One Credit Union Dallas, TX -21.47%
- American Spirit Federal Credit Union Newark, DE -21.32%
- Four Points Federal Credit Union Omaha, NE -21.13%
- City Federal Credit Union Amarillo, TX -20.98%
- Secured Advantage Federal Credit Union Simpsonville, SC -20.46%
- Bopti Federal Credit Union San Pedro, CA -19.91%
Median by state
Credit unions headquartered in each state, with $50.0 million or more in assets; states with at least three.
| State | Median | Count |
|---|---|---|
| Vermont | +8.48% | 7 |
| South Dakota | +7.47% | 15 |
| Puerto Rico | +7.47% | 3 |
| Alaska | +6.92% | 7 |
| Florida | +6.53% | 79 |
| Nevada | +6.04% | 12 |
| Missouri | +5.39% | 42 |
| Mississippi | +4.81% | 18 |
| Kentucky | +4.77% | 28 |
| Georgia | +4.67% | 33 |
| Wisconsin | +4.61% | 65 |
| Arizona | +4.45% | 24 |
| New Hampshire | +4.35% | 10 |
| Utah | +4.33% | 26 |
| New Mexico | +4.32% | 21 |
| Michigan | +4.21% | 136 |
| South Carolina | +4.18% | 31 |
| Minnesota | +4.13% | 51 |
| Alabama | +4.11% | 44 |
| Colorado | +4.03% | 47 |
| Idaho | +3.97% | 21 |
| Illinois | +3.92% | 72 |
| Kansas | +3.88% | 27 |
| Maine | +3.81% | 45 |
| Rhode Island | +3.68% | 10 |
| Indiana | +3.56% | 65 |
| New York | +3.52% | 124 |
| North Dakota | +3.13% | 15 |
| Tennessee | +3.07% | 64 |
| Pennsylvania | +3.02% | 123 |
| Oklahoma | +2.60% | 30 |
| Iowa | +2.58% | 38 |
| Ohio | +2.57% | 105 |
| New Jersey | +2.50% | 44 |
| California | +2.50% | 180 |
| Wyoming | +2.34% | 14 |
| North Carolina | +2.32% | 37 |
| Massachusetts | +2.18% | 68 |
| Hawaii | +1.97% | 30 |
| Nebraska | +1.90% | 23 |
| Maryland | +1.86% | 40 |
| Arkansas | +1.25% | 16 |
| Louisiana | +1.19% | 48 |
| Washington | +1.08% | 60 |
| Texas | +0.98% | 190 |
| Montana | +0.81% | 21 |
| Oregon | +0.80% | 36 |
| Delaware | +0.41% | 8 |
| Virginia | -0.09% | 58 |
| Connecticut | -0.38% | 30 |
| West Virginia | -1.35% | 22 |
| District of Columbia | -2.21% | 13 |
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 loan growth?
The median across 4,273 credit unions was +0.61% in the Q2 2026 call reports. Among credit unions with $50.0 million or more in assets, the middle half ran from -1.44% to +7.81%.
Is a higher loan growth better?
Generally yes, for members and for safety: a higher loan growth is better, all else equal. Compare it with credit unions of the same size, since size and lending mix drive it.
How is loan growth calculated?
Loans this quarter minus loans a year earlier, divided by the year-earlier figure. Source accounts on NCUA's 5300 call report: ACCT_025B (this quarter and a year earlier).
Which credit union has the highest loan growth?
Meritrust Credit Union of Broomfield, CO, at +144% in Q2 2026, under the rules of the national ranking.