Size · Q2 2026 call reports
Credit union net worth
Net worth as defined in 12 CFR 702.2: retained earnings and other qualifying equity. The median credit union reported $9.0M for the quarter ended June 30, 2026; the middle half ran from $2.6M to $33.3M, across 4,292 credit unions.
Why it matters
Net worth is the cushion that absorbs losses before members' deposits or the insurance fund are at risk. Credit unions build it from retained earnings.
How it is calculated
Net worth as defined in 12 CFR 702.2: undivided earnings, regular reserve and other qualifying equity.
NCUA 5300 call report accounts: ACCT_997 (net worth). Methodology
By NCUA peer group
| Assets | Count | 25th pct | Median | 75th pct |
|---|---|---|---|---|
| Under $2 million in assets | 228 | $72K | $151K | $264K |
| $2 million to $10 million | 537 | $619K | $912K | $1.4M |
| $10 million to $50 million | 1,135 | $2.4M | $3.4M | $5.1M |
| $50 million to $100 million | 572 | $7.4M | $9.2M | $11.9M |
| $100 million to $500 million | 1,061 | $17.0M | $24.5M | $36.5M |
| $500 million and up | 759 | $87.1M | $148M | $307M |
Largest net worth
- Navy Federal Credit Union Vienna, VA $23.8B
- State Employees' Credit Union Raleigh, NC $6.1B
- Boeing Employees Credit Union Tukwila, WA $3.7B
- SchoolsFirst Federal Credit Union Santa Ana, CA $3.5B
- Pentagon Federal Credit Union McLean, VA $3.1B
- First Technology Federal Credit Union San Jose, CA $3.0B
- America First Federal Credit Union Riverdale, UT $2.9B
- Randolph-Brooks Federal Credit Union Universal City, TX $2.6B
- Wings Credit Union Colorado Springs, CO $2.3B
- The Golden 1 Credit Union Sacramento, CA $2.2B
Median by state
Credit unions headquartered in each state; states with at least three.
| State | Median | Count |
|---|---|---|
| New Hampshire | $55.4M | 12 |
| Nevada | $40.6M | 13 |
| Arizona | $33.1M | 33 |
| Alaska | $31.4M | 8 |
| Puerto Rico | $30.6M | 4 |
| Rhode Island | $29.6M | 14 |
| Maryland | $26.0M | 60 |
| California | $25.9M | 239 |
| Florida | $23.7M | 107 |
| Maine | $23.0M | 48 |
| Michigan | $22.8M | 169 |
| Idaho | $22.5M | 26 |
| Vermont | $20.7M | 12 |
| Washington | $19.9M | 73 |
| Oregon | $19.8M | 47 |
| South Carolina | $19.8M | 45 |
| Wyoming | $16.5M | 18 |
| Hawaii | $16.1M | 45 |
| Colorado | $13.2M | 62 |
| Minnesota | $13.1M | 80 |
| Wisconsin | $12.8M | 98 |
| Virginia | $12.6M | 95 |
| Oklahoma | $11.8M | 52 |
| Iowa | $10.7M | 66 |
| North Carolina | $10.0M | 57 |
| Massachusetts | $9.5M | 121 |
| Delaware | $9.5M | 15 |
| Indiana | $8.9M | 120 |
| Alabama | $8.7M | 88 |
| New Mexico | $8.6M | 37 |
| Kentucky | $8.2M | 51 |
| Ohio | $8.1M | 192 |
| Utah | $7.7M | 51 |
| Tennessee | $7.4M | 125 |
| Texas | $7.4M | 379 |
| North Dakota | $7.3M | 29 |
| South Dakota | $7.3M | 33 |
| Montana | $6.9M | 41 |
| Georgia | $6.3M | 71 |
| New York | $6.2M | 268 |
| Nebraska | $5.9M | 50 |
| Missouri | $5.7M | 85 |
| Connecticut | $5.4M | 64 |
| District of Columbia | $5.3M | 28 |
| Pennsylvania | $5.1M | 269 |
| Kansas | $4.5M | 62 |
| U.S. Virgin Islands | $4.2M | 5 |
| Mississippi | $3.7M | 53 |
| Louisiana | $3.6M | 135 |
| West Virginia | $3.5M | 74 |
| Illinois | $3.4M | 188 |
| Arkansas | $3.2M | 47 |
| New Jersey | $3.2M | 126 |
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 net worth?
The median credit union reported $9.0M in the Q2 2026 call reports (quarter ended June 30, 2026), across 4,292 credit unions. The largest, Navy Federal Credit Union, reported $23.8B.
How is net worth calculated?
Net worth as defined in 12 CFR 702.2: undivided earnings, regular reserve and other qualifying equity. Source accounts on NCUA's 5300 call report: ACCT_997 (net worth).
Which credit union has the highest net worth?
Navy Federal Credit Union of Vienna, VA, at $23.8B in Q2 2026.