What is the average credit union loan-to-share ratio?

The median across 4,297 credit unions was 68.70% in the Q2 2026 call reports. Among credit unions with $50.0 million or more in assets, the middle half ran from 59.59% to 87.49%.

Is a higher loan-to-share ratio better?

Not necessarily. Loan-to-share ratio 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 loan-to-share ratio calculated?

Total loans divided by total shares and deposits. Source accounts on NCUA's 5300 call report: ACCT_025B (total loans); ACCT_018 (total shares and deposits).

Which credit union has the highest loan-to-share ratio?

Webster First Federal Credit Union of Worcester, MA, at 125% in Q2 2026, under the rules of the national ranking.

Lending · Q2 2026 call reports

Credit union loan-to-share ratio

Total loans divided by total shares and deposits. The median across all 4,297 credit unions reporting it was 68.70% for the quarter ended June 30, 2026. Among those with $50.0 million or more in assets, the middle half ran from 59.59% to 87.49% (median 75.59%).

Why it matters

The loan-to-share ratio shows how much of members' deposits a credit union lends back out. High ratios mean more lending and less liquidity; low ratios mean more money in investments and cash.

How it is calculated

Total loans divided by total shares and deposits.

NCUA 5300 call report accounts: ACCT_025B (total loans) · ACCT_018 (total shares and deposits). Methodology

How credit unions are spread

2,393 credit unions with $50.0 million or more in assets. Shaded: the middle half. Line: the median. The most extreme 1% at each end (48 credit unions) are left off the chart.

By NCUA peer group

Assets	Count	25th pct	Median	75th pct
Under $2 million in assets	231	23.08%	48.46%	72.73%
$2 million to $10 million	538	41.56%	62.70%	80.59%
$10 million to $50 million	1,135	42.81%	57.77%	73.72%
$50 million to $100 million	573	47.81%	60.93%	76.04%
$100 million to $500 million	1,061	59.49%	73.15%	84.49%
$500 million and up	759	75.57%	86.28%	93.98%

Highest loan-to-share ratio

Using the rules of the national ranking. See the top 100.

Webster First Federal Credit Union Worcester, MA 125%
Self-Help Credit Union Durham, NC 121%
Green Mountain Credit Union South Burlington, VT 121%
Latino Community Credit Union Durham, NC 118%
First Community Credit Union Houston, TX 118%
Mass Bay Credit Union South Boston, MA 117%
Access Community Credit Union Amarillo, TX 117%
Usalliance Federal Credit Union Rye, NY 116%
Freedom Northwest Credit Union Kamiah, ID 116%
Inova Federal Credit Union Elkhart, IN 115%

Lowest loan-to-share ratio

Yonkers Teachers Federal Credit Union Yonkers, NY 4.87%
Lufthansa Emp. Federal Credit Union Westbury, NY 6.09%
M. C. T. Federal Credit Union Amsterdam, NY 12.04%
Virginia Educators Credit Union Newport News, VA 13.03%
Railroad Credit Union Irondale, AL 13.03%
Mobile Educators Credit Union Mobile, AL 13.36%
Lincoln Park Community Credit Union Lincoln Park, MI 13.40%
Triboro Postal Federal Credit Union Flushing, NY 14.06%
Wyoming Valley Educational Empl Federal Credit Union Wilkes Barre, PA 14.21%
Firestone Federal Credit Union Akron, OH 14.80%

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
Rhode Island	95.39%	10
Alaska	90.48%	7
Vermont	89.01%	7
Utah	87.60%	27
Puerto Rico	87.33%	3
Idaho	86.06%	21
New Hampshire	84.94%	10
Massachusetts	84.60%	68
Wisconsin	83.76%	65
North Dakota	83.76%	15
Wyoming	82.58%	14
Minnesota	82.16%	51
Iowa	81.83%	38
Washington	80.63%	60
Oregon	79.67%	37
Nebraska	79.67%	23
Mississippi	79.56%	18
Arkansas	79.38%	16
Maine	79.19%	45
Missouri	79.10%	42
Florida	79.07%	80
Louisiana	79.05%	48
Georgia	78.66%	33
Oklahoma	78.13%	30
Indiana	78.00%	65
Maryland	77.78%	40
California	77.74%	184
South Dakota	77.70%	15
Tennessee	77.49%	64
Colorado	77.11%	47
Montana	75.65%	21
New Mexico	75.54%	21
North Carolina	75.34%	37
Arizona	74.77%	24
Illinois	74.18%	72
Virginia	73.59%	59
South Carolina	73.56%	31
Texas	73.41%	190
Michigan	72.98%	136
Kentucky	72.55%	28
Kansas	71.49%	27
New York	71.29%	128
District of Columbia	70.29%	13
Ohio	68.26%	105
Alabama	66.95%	44
West Virginia	66.58%	22
Nevada	65.30%	12
Connecticut	64.61%	31
Delaware	61.89%	8
Pennsylvania	60.85%	124
New Jersey	60.11%	44
Hawaii	57.22%	30

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.