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Lending · Q2 2026 call reports

Credit union home loans, share of loans

1-4 family first-lien and junior-lien (home equity) loans divided by total loans. The median across all 4,290 credit unions reporting it was 31.83% for the quarter ended June 30, 2026. Among those with $100 million or more in assets, the middle half ran from 31.48% to 56.64% (median 43.93%).

Why it matters

Home loans are long-lived and usually low-loss, but they tie up money for years and carry interest-rate risk.

How it is calculated

1-4 family first-lien plus junior-lien loans divided by total loans.

NCUA 5300 call report accounts: ACCT_703A (1-4 family first lien) · ACCT_386A (1-4 family junior lien) · ACCT_025B (total loans). Methodology

How credit unions are spread

Distribution of home loans, share of loans, Q2 2026 1,820 credit unions with $100 million or more in assets. Middle half from 31.48% to 56.64%, median 43.93%. 2.24% median 43.93% 86.91%
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 assets2260.00%0.00%0.00%
$2 million to $10 million5370.00%0.00%0.00%
$10 million to $50 million1,1340.23%18.84%42.73%
$50 million to $100 million57322.27%37.50%54.61%
$100 million to $500 million1,06128.92%42.86%56.01%
$500 million and up75934.01%45.74%57.00%

Highest home loans, share of loans

Credit unions with $100 million or more in assets.

  1. Port Washington Federal Credit Union Port Washington, NY 96.85%
  2. Hawaiian Financial Federal Credit Union Honolulu, HI 93.99%
  3. Luso Federal Credit Union Ludlow, MA 93.98%
  4. Brotherhood Credit Union Lynn, MA 92.57%
  5. Long Beach Firemen S Credit Union Long Beach, CA 92.03%
  6. Idb Global Federal Credit Union Washington, DC 92.03%
  7. Bank Fund Staff Federal Credit Union Washington, DC 92.02%
  8. Sri Federal Credit Union Menlo Park, CA 91.95%
  9. Star One Credit Union Sunnyvale, CA 91.22%
  10. Cleveland Selfreliance Federal Credit Union Parma, OH 91.18%

Lowest home loans, share of loans

  1. Holley Credit Union Paris, TN 0.00%
  2. Texoma Educators Federal Credit Union Sherman, TX 0.00%
  3. Clean Energy Federal Credit Union Englewood, CO 0.00%
  4. Aflac Federal Credit Union Columbus, GA 0.00%
  5. Wcla Credit Union Olympia, WA 0.00%
  6. Arkansas Best Federal Credit Union Fort Smith, AR 0.00%
  7. Kerr County Federal Credit Union Kerrville, TX 0.00%
  8. Citizens Federal Credit Union Big Spring, TX 0.00%
  9. Cal-Com Federal Credit Union Port Lavaca, TX 0.00%
  10. State Farm Federal Credit Union Bloomington, IL 0.00%

Median by state

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

StateMedianCount
District of Columbia73.23%11
Massachusetts70.62%58
Connecticut62.59%21
Hawaii61.51%25
Vermont59.33%7
New Jersey56.07%29
Maryland55.87%34
Rhode Island54.30%8
New York54.05%91
Wisconsin52.98%49
California52.96%150
New Hampshire52.26%9
North Carolina51.42%26
Colorado49.95%37
Minnesota48.80%43
Kentucky47.66%17
Delaware47.58%6
Maine46.82%40
Virginia46.52%46
Iowa46.24%29
Pennsylvania44.81%86
Tennessee44.24%41
Michigan42.98%113
Indiana42.92%44
Idaho42.05%17
West Virginia41.18%11
Illinois40.60%53
Nebraska40.40%16
South Carolina39.70%22
Missouri39.26%29
Montana39.05%17
Oregon38.34%29
Washington38.16%40
South Dakota38.06%12
Ohio37.28%77
Florida37.05%72
Alabama37.03%36
Texas35.24%141
Wyoming35.22%11
Utah34.95%22
Arkansas34.60%5
Nevada34.50%11
Georgia34.32%30
Arizona33.59%21
Alaska33.23%7
Kansas33.07%19
Louisiana30.41%29
Oklahoma26.61%27
North Dakota24.77%12
New Mexico24.64%16
Mississippi24.12%13
Puerto Rico8.74%3

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 home loans, share of loans?

The median across 4,290 credit unions was 31.83% in the Q2 2026 call reports. Among credit unions with $100 million or more in assets, the middle half ran from 31.48% to 56.64%.

Is a higher home loans, share of loans better?

Not necessarily. Home loans, share of loans 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 home loans, share of loans calculated?

1-4 family first-lien plus junior-lien loans divided by total loans. Source accounts on NCUA's 5300 call report: ACCT_703A (1-4 family first lien); ACCT_386A (1-4 family junior lien); ACCT_025B (total loans).

Which credit union has the highest home loans, share of loans?

Port Washington Federal Credit Union of Port Washington, NY, at 96.85% in Q2 2026, among credit unions with $100 million or more in assets.