Operations · Q2 2026 call reports
Credit union field of membership reached
Members divided by the potential members the credit union estimates on its call report. The median across all 4,299 credit unions reporting it was 12.65% for the quarter ended June 30, 2026. Among those with $100 million or more in assets, the middle half ran from 1.81% to 13.27% (median 4.61%).
Why it matters
This compares members with the potential members a credit union says its charter lets it serve. Low figures mean room to grow; very high ones a saturated field.
How it is calculated
Members divided by the potential members the credit union estimates on its call report.
NCUA 5300 call report accounts: ACCT_083 (members) · ACCT_084 (potential members). Methodology
How credit unions are spread
By NCUA peer group
| Assets | Count | 25th pct | Median | 75th pct |
|---|---|---|---|---|
| Under $2 million in assets | 232 | 22.01% | 46.29% | 70.66% |
| $2 million to $10 million | 539 | 23.42% | 43.07% | 65.70% |
| $10 million to $50 million | 1,135 | 5.00% | 29.15% | 51.39% |
| $50 million to $100 million | 573 | 2.01% | 10.57% | 35.11% |
| $100 million to $500 million | 1,061 | 1.59% | 4.39% | 13.85% |
| $500 million and up | 759 | 2.29% | 4.84% | 12.37% |
Highest field of membership reached
Credit unions with $100 million or more in assets.
- Tower Federal Credit Union Laurel, MD 100%
- State Employees' Credit Union Raleigh, NC 100.00%
- Artesia Credit Union Artesia, NM 99.11%
- Brainerd B. N. Credit Union Brainerd, MN 98.03%
- N C P D Federal Credit Union Plainview, NY 96.41%
- Armco Credit Union Butler, PA 95.98%
- Farmers Insurance Federal Credit Union Los Angeles, CA 95.00%
- Tacoma Longshoremen Credit Union Tacoma, WA 93.46%
- Missouri Electric Cooperatives Empl Credit Union Jefferson City, MO 92.39%
- Ukrainian National Federal Credit Union New York, NY 91.97%
Lowest field of membership reached
- Eagle Community Credit Union Lake Forest, CA 0.06%
- Energy Credit Union West Roxbury, MA 0.09%
- Union Square Credit Union Wichita Falls, TX 0.10%
- Wolverine State Credit Union Alpena, MI 0.10%
- Harborlight Credit Union Whitehall, MI 0.11%
- Consumers Professional Credit Union Lansing, MI 0.12%
- Brotherhood Credit Union Lynn, MA 0.13%
- Filer Credit Union Manistee, MI 0.13%
- Teachers Federal Credit Union Smithtown, NY 0.14%
- Aac Credit Union Grand Rapids, MI 0.15%
Median by state
Credit unions headquartered in each state, with $100 million or more in assets; states with at least three.
| State | Median | Count |
|---|---|---|
| Puerto Rico | 54.24% | 3 |
| District of Columbia | 43.61% | 11 |
| Nevada | 21.88% | 11 |
| Arkansas | 17.22% | 5 |
| New Hampshire | 15.46% | 9 |
| Rhode Island | 12.64% | 8 |
| Maryland | 12.22% | 34 |
| New Mexico | 12.19% | 16 |
| Hawaii | 10.93% | 25 |
| Mississippi | 9.26% | 13 |
| Indiana | 8.76% | 44 |
| Tennessee | 8.67% | 41 |
| Oklahoma | 8.02% | 27 |
| Virginia | 7.09% | 46 |
| North Dakota | 7.07% | 12 |
| South Carolina | 7.05% | 22 |
| Montana | 6.95% | 17 |
| Utah | 6.62% | 22 |
| Kentucky | 6.48% | 17 |
| Vermont | 6.46% | 7 |
| Nebraska | 6.41% | 16 |
| Colorado | 6.16% | 37 |
| New York | 6.12% | 91 |
| Louisiana | 5.98% | 29 |
| North Carolina | 5.93% | 26 |
| West Virginia | 5.91% | 11 |
| Alaska | 5.26% | 7 |
| Missouri | 5.17% | 29 |
| Illinois | 5.00% | 53 |
| Alabama | 4.63% | 36 |
| Texas | 4.55% | 141 |
| Pennsylvania | 4.53% | 86 |
| Georgia | 4.45% | 30 |
| California | 4.36% | 150 |
| New Jersey | 4.32% | 29 |
| Maine | 4.25% | 40 |
| South Dakota | 4.08% | 12 |
| Washington | 4.03% | 40 |
| Delaware | 3.99% | 6 |
| Kansas | 3.87% | 19 |
| Wisconsin | 3.85% | 49 |
| Wyoming | 3.84% | 11 |
| Minnesota | 3.76% | 43 |
| Idaho | 3.58% | 17 |
| Massachusetts | 2.87% | 58 |
| Iowa | 2.82% | 29 |
| Ohio | 2.78% | 77 |
| Florida | 2.68% | 72 |
| Arizona | 2.65% | 21 |
| Connecticut | 2.47% | 21 |
| Michigan | 1.60% | 113 |
| Oregon | 1.54% | 29 |
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 field of membership reached?
The median across 4,299 credit unions was 12.65% in the Q2 2026 call reports. Among credit unions with $100 million or more in assets, the middle half ran from 1.81% to 13.27%.
Is a higher field of membership reached better?
Not necessarily. Field of membership reached 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 field of membership reached calculated?
Members divided by the potential members the credit union estimates on its call report. Source accounts on NCUA's 5300 call report: ACCT_083 (members); ACCT_084 (potential members).
Which credit union has the highest field of membership reached?
Tower Federal Credit Union of Laurel, MD, at 100% in Q2 2026, among credit unions with $100 million or more in assets.