What is the average credit union members per employee?

The median across 4,218 credit unions was 349 in the Q2 2026 call reports. Among credit unions with $50.0 million or more in assets, the middle half ran from 285 to 415.

Is a higher members per employee better?

Not necessarily. Members per employee 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 members per employee calculated?

Members divided by full-time-equivalent employees (full-time plus half of part-time, as NCUA counts them). Source accounts on NCUA's 5300 call report: ACCT_083 (members); ACCT_564A (full-time employees); ACCT_564B (part-time employees).

Which credit union has the highest members per employee?

Union Yes Federal Credit Union of Orange, CA, at 1,822 in Q2 2026, among credit unions with $50.0 million or more in assets.

Operations · Q2 2026 call reports

Credit union members per employee

Members divided by full-time-equivalent employees (full-time plus half of part-time, as NCUA counts them). The median across all 4,218 credit unions reporting it was 349 for the quarter ended June 30, 2026. Among those with $50.0 million or more in assets, the middle half ran from 285 to 415 (median 338).

Why it matters

Members per employee is a productivity measure. Digital-first credit unions run far more members per employee than branch-heavy ones.

How it is calculated

Members divided by full-time-equivalent employees (full-time plus half of part-time, as NCUA counts them).

NCUA 5300 call report accounts: ACCT_083 (members) · ACCT_564A (full-time employees) · ACCT_564B (part-time employees). 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	169	167	269	422
$2 million to $10 million	525	271	354	483
$10 million to $50 million	1,131	310	380	486
$50 million to $100 million	573	296	357	443
$100 million to $500 million	1,061	269	321	389
$500 million and up	759	302	352	423

Highest members per employee

Credit unions with $50.0 million or more in assets.

Union Yes Federal Credit Union Orange, CA 1,822
America's Christian Credit Union Glendora, CA 1,545
Union Building Trades Federal Credit Union Parsippany, NJ 1,482
SMW 104 Federal Credit Union Livermore, CA 1,368
Merck Employees Federal Credit Union Rahway, NJ 1,352
Aflac Federal Credit Union Columbus, GA 1,230
Dfcu Tulsa Federal Credit Union Tulsa, OK 1,214
Jacom Credit Union Los Angeles, CA 1,104
Chicago Firefighter's Credit Union Chicago, IL 1,083
Ou Federal Credit Union Norman, OK 1,060

Lowest members per employee

Hometown Credit Union Kulm, ND 82
Finanta Federal Credit Union Lancaster, PA 107
Dakota West Credit Union Watford City, ND 133
Dakota Plains Credit Union Edgeley, ND 141
South Metro Federal Credit Union Prior Lake, MN 149
Vision One Credit Union Sacramento, CA 151
Wcla Credit Union Olympia, WA 153
Interfaith Federal Credit Union Montclair, CA 157
Trans Texas Southwest Credit Union San Angelo, TX 161
Tongass Federal Credit Union Ketchikan, AK 163

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
Delaware	462	8
Connecticut	434	31
Hawaii	412	30
Kentucky	399	28
Pennsylvania	388	124
Puerto Rico	379	3
Nevada	377	12
New Jersey	375	44
California	375	184
Nebraska	374	23
Arizona	369	24
Illinois	364	72
Georgia	364	33
West Virginia	362	22
Virginia	360	59
Minnesota	357	51
Maryland	356	40
New York	355	128
New Hampshire	350	10
District of Columbia	346	13
Ohio	345	105
North Carolina	344	37
Alabama	341	44
Massachusetts	338	68
Arkansas	336	16
Colorado	334	47
Iowa	333	38
South Carolina	332	31
Rhode Island	332	10
Wyoming	331	14
Mississippi	331	18
Utah	330	27
Idaho	330	21
Washington	330	60
Louisiana	329	48
Texas	327	190
Florida	327	80
Oklahoma	326	30
Missouri	326	42
Tennessee	314	64
Indiana	311	65
New Mexico	310	21
Kansas	310	27
Maine	303	45
Vermont	303	7
Michigan	295	136
Oregon	290	37
Wisconsin	290	65
Montana	287	21
South Dakota	269	15
Alaska	236	7
North Dakota	217	15

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.