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Earnings · Q2 2026 call reports

Credit union return on assets (ROA)

Annualized year-to-date net income divided by average assets. The median across all 4,299 credit unions reporting it was 0.71% for the quarter ended June 30, 2026. Among those with $100 million or more in assets, the middle half ran from 0.46% to 1.17% (median 0.77%).

Why it matters

ROA is the headline profitability measure. A credit union needs earnings to build net worth, but very high earnings can also mean it is pricing loans high or paying little on deposits.

How it is calculated

Net income, annualized, divided by average assets. 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_661A (net income, year to date) · ACCT_010 (total assets, this quarter and prior December). Methodology

How credit unions are spread

Distribution of return on assets, Q2 2026 1,820 credit unions with $100 million or more in assets. Middle half from 0.46% to 1.17%, median 0.77%. -0.68% median 0.77% 2.42%
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 assets232-0.88%0.52%1.36%
$2 million to $10 million539-0.06%0.42%1.02%
$10 million to $50 million1,1350.24%0.71%1.23%
$50 million to $100 million5730.33%0.74%1.23%
$100 million to $500 million1,0610.43%0.75%1.19%
$500 million and up7590.52%0.80%1.15%

Highest return on assets

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

  1. Caribe Federal Credit Union San Juan, PR 3.62%
  2. Brotherhood Credit Union Lynn, MA 3.54%
  3. Zeal Credit Union Livonia, MI 3.05%
  4. Resource One Credit Union Dallas, TX 2.99%
  5. Peoples Advantage Federal Credit Union Petersburg, VA 2.93%
  6. Tapco Credit Union Fircrest, WA 2.65%
  7. Aflac Federal Credit Union Columbus, GA 2.63%
  8. Abilene Teachers Federal Credit Union Abilene, TX 2.61%
  9. Westex Community Credit Union Kermit, TX 2.59%
  10. Families and Schools Together Federal Credit Union Hanford, CA 2.57%

Lowest return on assets

  1. Four Points Federal Credit Union Omaha, NE -6.62%
  2. Sunlight Federal Credit Union Cody, WY -3.19%
  3. Civic Federal Credit Union Raleigh, NC -2.95%
  4. River City Federal Credit Union San Antonio, TX -1.47%
  5. U.s. Eagle Federal Credit Union Albuquerque, NM -1.38%
  6. Fidelis Catholic Federal Credit Union Arvada, CO -1.30%
  7. Trailhead Federal Credit Union Portland, OR -1.30%
  8. Georgia's Own Credit Union Atlanta, GA -1.10%
  9. Alltrust Credit Union Fairhaven, MA -1.03%
  10. ValleyStar Credit Union Martinsville, VA -1.01%

Median by state

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

StateMedianCount
Puerto Rico1.20%3
North Dakota1.13%12
Tennessee1.11%41
Kansas1.09%19
Nevada1.04%11
Wisconsin1.01%49
Minnesota0.99%43
New Hampshire0.96%9
Alabama0.96%36
Wyoming0.96%11
South Carolina0.95%22
Michigan0.94%113
Utah0.93%22
Vermont0.93%7
Nebraska0.89%16
Iowa0.88%29
West Virginia0.88%11
Indiana0.87%44
Pennsylvania0.87%86
New Mexico0.86%16
Mississippi0.86%13
Hawaii0.86%25
Kentucky0.84%17
Georgia0.84%30
Illinois0.84%53
South Dakota0.83%12
New York0.82%91
Missouri0.82%29
Arkansas0.81%5
Texas0.79%141
Ohio0.78%77
Florida0.77%72
North Carolina0.77%26
Oregon0.74%29
Virginia0.72%46
Maine0.72%40
Connecticut0.72%21
Oklahoma0.72%27
Washington0.70%40
Alaska0.69%7
Montana0.68%17
Arizona0.68%21
Maryland0.67%34
Louisiana0.62%29
Rhode Island0.61%8
California0.58%150
Delaware0.57%6
Idaho0.55%17
Massachusetts0.50%58
Colorado0.48%37
New Jersey0.40%29
District of Columbia0.24%11

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 return on assets?

The median across 4,299 credit unions was 0.71% in the Q2 2026 call reports. Among credit unions with $100 million or more in assets, the middle half ran from 0.46% to 1.17%.

Is a higher return on assets better?

Generally yes, for members and for safety: a higher return on assets is better, all else equal. Compare it with credit unions of the same size, since size and lending mix drive it.

How is return on assets calculated?

Net income, annualized, divided by average assets. 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_661A (net income, year to date); ACCT_010 (total assets, this quarter and prior December).

Which credit union has the highest return on assets?

Caribe Federal Credit Union of San Juan, PR, at 3.62% in Q2 2026, under the rules of the national ranking.