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Deposits · Q2 2026 call reports

Credit union deposits over $250,000

Shares and deposits above the $250,000 insurance limit divided by total shares and deposits. The median across all 4,297 credit unions reporting it was 3.94% for the quarter ended June 30, 2026. Among those with $50.0 million or more in assets, the middle half ran from 3.62% to 9.37% (median 6.16%).

Why it matters

Balances above the $250,000 insurance limit are not covered by NCUA's Share Insurance Fund and can leave quickly under stress.

How it is calculated

Shares and deposits above $250,000 divided by total shares and deposits.

NCUA 5300 call report accounts: ACCT_068A (uninsured shares and deposits over $250K) · ACCT_018 (total shares and deposits). Methodology

How credit unions are spread

Distribution of deposits over $250,000, Q2 2026 2,393 credit unions with $50.0 million or more in assets. Middle half from 3.62% to 9.37%, median 6.16%. 0.00% median 6.16% 27.74%
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 (24 credit unions) are left off the chart.

By NCUA peer group

AssetsCount25th pctMedian75th pct
Under $2 million in assets2310.00%0.00%0.00%
$2 million to $10 million5380.00%0.00%0.19%
$10 million to $50 million1,1350.13%2.11%4.83%
$50 million to $100 million5732.28%4.09%6.55%
$100 million to $500 million1,0613.31%5.36%8.20%
$500 million and up7596.33%8.58%12.00%

Highest deposits over $250,000

Credit unions with $50.0 million or more in assets.

  1. Eastern Operating Engineers Federal Credit Union Whitestone, NY 75.17%
  2. Finanta Federal Credit Union Lancaster, PA 45.23%
  3. Self-Help Credit Union Durham, NC 42.22%
  4. Community First Guam Federal Credit Union Hagatna, GU 40.53%
  5. New England Teamsters Federal Credit Union Charlestown, MA 40.26%
  6. South Metro Federal Credit Union Prior Lake, MN 39.34%
  7. First American Credit Union Casa Grande, AZ 38.91%
  8. Workmen's Circle Incorporated Credit Union Savannah, GA 38.27%
  9. Consumers Federal Credit Union Brooklyn, NY 34.98%
  10. Hoboken School Employees Federal Credit Union Hoboken, NJ 33.48%

Lowest deposits over $250,000

  1. First Choice Credit Union Marshfield, WI 0.00%
  2. Consumers Cooperative Federal Credit Union Alliance, NE 0.00%
  3. Bar-Cons Federal Credit Union Columbus, IN 0.00%
  4. Vanderbilt Credit Union Nashville, TN 0.00%
  5. Elliott Community Federal Credit Union Jeannette, PA 0.00%
  6. Baptist Credit Union San Antonio, TX 0.00%
  7. Mokelumne Federal Credit Union Lodi, CA 0.00%
  8. Ark Valley Credit Union Arkansas City, KS 0.00%
  9. Share Advantage Credit Union Duluth, MN 0.00%
  10. Access Credit Union Broadview, IL 0.00%

Median by state

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

StateMedianCount
Utah11.29%27
District of Columbia9.68%13
Alaska9.68%7
Massachusetts9.03%68
North Dakota8.86%15
North Carolina8.41%37
California8.32%184
Puerto Rico8.18%3
South Dakota7.88%15
Colorado7.86%47
Wyoming7.66%14
Arizona7.49%24
New Hampshire7.44%10
Florida7.34%80
Washington6.94%60
Tennessee6.88%64
Virginia6.84%59
Oklahoma6.83%30
Idaho6.72%21
Hawaii6.71%30
Vermont6.68%7
Alabama6.66%44
Rhode Island6.62%10
Oregon6.58%37
Texas6.54%190
Maine6.44%45
Georgia6.43%33
New Mexico6.38%21
Maryland6.31%40
Kentucky6.21%28
Delaware6.08%8
New York6.04%128
Montana5.89%21
Wisconsin5.83%65
Connecticut5.60%31
Minnesota5.30%51
Mississippi5.28%18
Michigan5.21%136
Indiana5.10%65
New Jersey5.00%44
South Carolina4.88%31
Iowa4.84%38
Nebraska4.74%23
Missouri4.60%42
Kansas4.48%27
Pennsylvania4.45%124
Louisiana4.45%48
Illinois4.18%72
Ohio4.05%105
West Virginia3.64%22
Arkansas3.35%16
Nevada1.39%12

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 deposits over $250,000?

The median across 4,297 credit unions was 3.94% in the Q2 2026 call reports. Among credit unions with $50.0 million or more in assets, the middle half ran from 3.62% to 9.37%.

Is a higher deposits over $250,000 better?

Not necessarily. Deposits over $250,000 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 deposits over $250,000 calculated?

Shares and deposits above $250,000 divided by total shares and deposits. Source accounts on NCUA's 5300 call report: ACCT_068A (uninsured shares and deposits over $250K); ACCT_018 (total shares and deposits).

Which credit union has the highest deposits over $250,000?

Eastern Operating Engineers Federal Credit Union of Whitestone, NY, at 75.17% in Q2 2026, among credit unions with $50.0 million or more in assets.