Earnings · Q2 2026 call reports
Credit union non-interest income to assets
Annualized fee income plus other operating income, divided by average assets (NCUA FPR fee and other operating income to average assets). The median across all 4,299 credit unions reporting it was 0.77% for the quarter ended June 30, 2026. Among those with $100 million or more in assets, the middle half ran from 0.72% to 1.38% (median 1.03%).
Why it matters
Fee and other operating income shows how much a credit union relies on fees and services, rather than interest, for income.
How it is calculated
Fee income plus other operating income, annualized, divided by average assets (NCUA FPR). Year-to-date amounts are annualized (times 12 over the months elapsed), and average balances are the mean of this quarter and the prior December, as in NCUA's Financial Performance Report.
NCUA 5300 call report accounts: ACCT_131 (fee income) · ACCT_IS0020 (other operating income) · ACCT_010 (total assets). Methodology
How credit unions are spread
By NCUA peer group
| Assets | Count | 25th pct | Median | 75th pct |
|---|---|---|---|---|
| Under $2 million in assets | 232 | 0.01% | 0.11% | 0.30% |
| $2 million to $10 million | 539 | 0.04% | 0.20% | 0.58% |
| $10 million to $50 million | 1,135 | 0.29% | 0.59% | 1.00% |
| $50 million to $100 million | 573 | 0.50% | 0.81% | 1.23% |
| $100 million to $500 million | 1,061 | 0.67% | 0.99% | 1.38% |
| $500 million and up | 759 | 0.77% | 1.09% | 1.37% |
Highest non-interest income to assets
Credit unions with $100 million or more in assets.
- Pelican Credit Union Baton Rouge, LA 4.58%
- Texas Tech Federal Credit Union Lubbock, TX 4.52%
- Michigan First Credit Union Lathrup Village, MI 3.97%
- Navigator Federal Credit Union Pascagoula, MS 3.95%
- Excel Federal Credit Union Norcross, GA 3.79%
- Hope Federal Credit Union Jackson, MS 3.52%
- Gulf Coast Community Federal Credit Union Gulfport, MS 3.46%
- First Central Credit Union Waco, TX 3.33%
- Natco Credit Union Richmond, IN 3.30%
- United Community Credit Union Houston, TX 3.30%
Lowest non-interest income to assets
- Self Reliance Financial Federal Credit Union New York, NY -0.04%
- Firestone Federal Credit Union Akron, OH 0.00%
- Aflac Federal Credit Union Columbus, GA 0.00%
- San Joaquin Power Employees Credit Union Fresno, CA 0.01%
- McBryde Federal Credit Union Eleele, HI 0.02%
- Cleveland Selfreliance Federal Credit Union Parma, OH 0.02%
- Moog Employees Federal Credit Union East Aurora, NY 0.03%
- Community Credit Union New Rockford, ND 0.03%
- Chattanooga Area Schools Federal Credit Union Chattanooga, TN 0.03%
- State Farm Federal Credit Union Bloomington, IL 0.04%
Median by state
Credit unions headquartered in each state, with $100 million or more in assets; states with at least three.
| State | Median | Count |
|---|---|---|
| Mississippi | 2.47% | 13 |
| Louisiana | 1.73% | 29 |
| South Carolina | 1.63% | 22 |
| Kansas | 1.37% | 19 |
| Texas | 1.36% | 141 |
| South Dakota | 1.36% | 12 |
| Alabama | 1.33% | 36 |
| Nebraska | 1.29% | 16 |
| Georgia | 1.29% | 30 |
| Wyoming | 1.26% | 11 |
| Michigan | 1.26% | 113 |
| Missouri | 1.24% | 29 |
| North Carolina | 1.22% | 26 |
| Florida | 1.17% | 72 |
| Ohio | 1.17% | 77 |
| Oklahoma | 1.16% | 27 |
| Kentucky | 1.16% | 17 |
| Indiana | 1.15% | 44 |
| Arizona | 1.12% | 21 |
| Vermont | 1.10% | 7 |
| Tennessee | 1.10% | 41 |
| Delaware | 1.08% | 6 |
| Alaska | 1.08% | 7 |
| New Mexico | 1.05% | 16 |
| Montana | 1.03% | 17 |
| Idaho | 1.03% | 17 |
| Virginia | 1.03% | 46 |
| Washington | 1.02% | 40 |
| Utah | 1.01% | 22 |
| Illinois | 1.00% | 53 |
| Arkansas | 1.00% | 5 |
| Maine | 0.98% | 40 |
| Minnesota | 0.98% | 43 |
| New Hampshire | 0.95% | 9 |
| Oregon | 0.95% | 29 |
| Pennsylvania | 0.94% | 86 |
| Iowa | 0.93% | 29 |
| Wisconsin | 0.93% | 49 |
| Nevada | 0.92% | 11 |
| Maryland | 0.90% | 34 |
| West Virginia | 0.88% | 11 |
| Connecticut | 0.83% | 21 |
| Colorado | 0.82% | 37 |
| New York | 0.81% | 91 |
| California | 0.78% | 150 |
| New Jersey | 0.71% | 29 |
| District of Columbia | 0.63% | 11 |
| North Dakota | 0.61% | 12 |
| Hawaii | 0.60% | 25 |
| Massachusetts | 0.59% | 58 |
| Rhode Island | 0.53% | 8 |
| Puerto Rico | 0.48% | 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 non-interest income to assets?
The median across 4,299 credit unions was 0.77% in the Q2 2026 call reports. Among credit unions with $100 million or more in assets, the middle half ran from 0.72% to 1.38%.
Is a higher non-interest income to assets better?
Not necessarily. Non-interest income to assets 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 non-interest income to assets calculated?
Fee income plus other operating income, annualized, divided by average assets (NCUA FPR). Year-to-date amounts are annualized (times 12 over the months elapsed), and average balances are the mean of this quarter and the prior December, as in NCUA's Financial Performance Report. Source accounts on NCUA's 5300 call report: ACCT_131 (fee income); ACCT_IS0020 (other operating income); ACCT_010 (total assets).
Which credit union has the highest non-interest income to assets?
Pelican Credit Union of Baton Rouge, LA, at 4.58% in Q2 2026, among credit unions with $100 million or more in assets.