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Capital and reserves · Q2 2026 call reports

Credit union net worth ratio

Net worth divided by total assets. NCUA's rules treat 7% or more as well capitalized (12 CFR 702.102). The median across all 4,299 credit unions reporting it was 12.65% for the quarter ended June 30, 2026. Among those with $50.0 million or more in assets, the middle half ran from 9.91% to 13.85% (median 11.58%).

Under NCUA's prompt corrective action rules (12 CFR 702.102), a credit union is well capitalized at a net worth ratio of 7% or more, adequately capitalized at 6% to 7%, undercapitalized at 4% to 6%, significantly undercapitalized at 2% to 4%, and critically undercapitalized below 2%. Complex credit unions (over $500 million) also face risk-based capital rules.

Why it matters

The net worth ratio is the main capital measure regulators use for credit unions. It drives NCUA's prompt corrective action categories, so it is the first figure to check when asking whether a credit union is sound.

How it is calculated

Net worth divided by total assets.

NCUA 5300 call report accounts: ACCT_997 (net worth) · ACCT_998 (net worth ratio) · ACCT_010 (total assets). Methodology

How credit unions are spread

Distribution of net worth ratio, Q2 2026 2,393 credit unions with $50.0 million or more in assets. Middle half from 9.91% to 13.85%, median 11.58%. 7.37% median 11.58% 24.51%
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

AssetsCount25th pctMedian75th pct
Under $2 million in assets23212.74%19.32%26.58%
$2 million to $10 million53912.86%17.30%24.77%
$10 million to $50 million1,13510.98%13.88%18.02%
$50 million to $100 million57310.58%12.95%16.03%
$100 million to $500 million1,0619.96%11.65%13.83%
$500 million and up7599.66%10.79%12.57%

Highest net worth ratio

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

  1. Brotherhood Credit Union Lynn, MA 43.67%
  2. Aflac Federal Credit Union Columbus, GA 38.85%
  3. Mon Valley Community Federal Credit Union Allenport, PA 32.77%
  4. First South Financial Federal Credit Union Bartlett, TN 30.23%
  5. C-B-W Schools Federal Credit Union Sidman, PA 29.78%
  6. Long Beach Firemen S Credit Union Long Beach, CA 29.43%
  7. The United Federal Credit Union Morgantown, WV 27.55%
  8. McBryde Federal Credit Union Eleele, HI 26.92%
  9. Moog Employees Federal Credit Union East Aurora, NY 26.63%
  10. Members First Community Credit Union Quincy, IL 25.42%

Lowest net worth ratio

  1. Greater Nevada Credit Union Carson City, NV 3.50%
  2. Four Points Federal Credit Union Omaha, NE 3.57%
  3. Department of Commerce Federal Credit Union Washington, DC 5.41%
  4. Civic Federal Credit Union Raleigh, NC 5.87%
  5. Nassau Financial Federal Credit Union East Meadow, NY 6.20%
  6. True Sky Federal Credit Union Oklahoma City, OK 6.35%
  7. Democracy Federal Credit Union Alexandria, VA 6.59%
  8. Soarion Federal Credit Union San Antonio, TX 6.79%
  9. Excite Credit Union San Jose, CA 6.89%
  10. Tulare County Federal Credit Union Tulare, CA 6.91%

Median by state

Credit unions headquartered in each state, with $50.0 million or more in assets; states with at least three.

StateMedianCount
Arkansas15.74%16
Mississippi15.08%18
West Virginia13.13%22
Louisiana13.11%48
North Dakota13.09%15
Kentucky13.09%28
Alabama12.90%44
Alaska12.86%7
Nevada12.76%12
South Carolina12.73%31
Nebraska12.67%23
Indiana12.58%65
Montana12.53%21
New Mexico12.40%21
Pennsylvania12.30%124
Washington12.17%60
Maryland12.11%40
Tennessee12.10%64
Vermont12.08%7
Puerto Rico12.04%3
Iowa12.00%38
Oklahoma11.96%30
Georgia11.81%33
Texas11.80%190
Oregon11.75%37
Michigan11.73%136
Illinois11.71%72
Wisconsin11.55%65
Wyoming11.53%14
North Carolina11.44%37
Kansas11.39%27
New York11.35%128
Ohio11.30%105
Hawaii11.20%30
Minnesota11.17%51
Colorado11.10%47
Delaware11.05%8
Florida11.01%80
Virginia10.93%59
Missouri10.91%42
Maine10.90%45
Arizona10.90%24
California10.79%184
Massachusetts10.61%68
Utah10.57%27
New Jersey10.55%44
Rhode Island10.55%10
Connecticut10.55%31
District of Columbia10.33%13
New Hampshire9.92%10
Idaho9.65%21
South Dakota9.63%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.

Questions people ask

What is the average credit union net worth ratio?

The median across 4,299 credit unions was 12.65% in the Q2 2026 call reports. Among credit unions with $50.0 million or more in assets, the middle half ran from 9.91% to 13.85%.

What is a good net worth ratio?

Under NCUA's prompt corrective action rules (12 CFR 702.102), a credit union is well capitalized at a net worth ratio of 7% or more, adequately capitalized at 6% to 7%, undercapitalized at 4% to 6%, significantly undercapitalized at 2% to 4%, and critically undercapitalized below 2%. Complex credit unions (over $500 million) also face risk-based capital rules.

How is net worth ratio calculated?

Net worth divided by total assets. Source accounts on NCUA's 5300 call report: ACCT_997 (net worth); ACCT_998 (net worth ratio); ACCT_010 (total assets).

Which credit union has the highest net worth ratio?

Brotherhood Credit Union of Lynn, MA, at 43.67% in Q2 2026, under the rules of the national ranking.