Q2 2026 call reports

Credit union rankings

30 national rankings of US credit unions, each built from the call reports they filed with NCUA for the quarter ended June 30, 2026. Every list states its rule, including the minimum size for ratio rankings. For a list of your own, use the screener.

Size

The largest credit unions in the US Ranked by total assets. No. 1: Navy Federal Credit Union, $204B
The credit unions with the most members Ranked by current members. No. 1: Navy Federal Credit Union, 15,517,448
The largest federally chartered credit unions Federal charters only, ranked by assets. No. 1: Navy Federal Credit Union, $204B
The largest state-chartered credit unions State charters only, ranked by assets. No. 1: State Employees' Credit Union, $60.0B
The credit unions with the most branches Ranked by branch offices. No. 1: Navy Federal Credit Union, 388

Growth and strength

The fastest-growing credit unions Asset growth over 12 months, $50 million and up. No. 1: CommunityAmerica Federal Credit Union, +159%
The credit unions adding members fastest Member growth over 12 months, $50 million and up. No. 1: Meritrust Credit Union, +171%
The credit unions growing loans fastest Loan growth over 12 months, $50 million and up. No. 1: Meritrust Credit Union, +144%
The best-capitalized credit unions Highest net worth ratio, $100 million and up. No. 1: Brotherhood Credit Union, 43.67%
The credit unions with the fewest late loans Lowest share of loans 60+ days late, $100 million and up. No. 1: Nuvista Federal Credit Union, 0.00%
The credit unions with the lowest charge-offs Lowest net charge-off rate, $100 million and up. No. 1: Farmway Credit Union, -0.24%

Earnings and fees

The most profitable credit unions Highest return on assets, $100 million and up. No. 1: Caribe Federal Credit Union, 3.62%
The most efficient credit unions Lowest efficiency ratio, $100 million and up. No. 1: Aflac Federal Credit Union, 26.94%
The credit unions that pay members the most on deposits Most paid out on deposits, as a blended rate, $100 million and up. No. 1: State Farm Federal Credit Union, 4.04%
The credit unions that collect the least in fees Least fee income per member, $100 million and up. No. 1: McBryde Federal Credit Union, $0

Loan rates

Credit unions with the lowest new auto loan rates Lowest new auto rate reported on the call report, $25 million and up with at least $1 million of these loans. No. 1: Whatcom Educational Credit Union, 0.99%
Credit unions with the lowest used auto loan rates Lowest used auto rate reported on the call report, $25 million and up with at least $1 million of these loans. No. 1: Members Heritage Credit Union, 1.99%
Credit unions with the lowest credit card rates Lowest credit card rate reported on the call report, $25 million and up with at least $1 million of these loans. No. 1: Municipal Empl.credit Union of Balt, 1.99%
Credit unions with the lowest personal loan rates Lowest personal loan rate reported on the call report, $25 million and up with at least $1 million of these loans. No. 1: KeyPoint Credit Union, 2.99%
Credit unions with the lowest first mortgage rates Lowest first mortgage rate reported on the call report, $25 million and up with at least $1 million of these loans. No. 1: Premier America Credit Union, 2.25%
Credit unions with the lowest home equity rates Lowest home equity rate reported on the call report, $25 million and up with at least $1 million of these loans. No. 1: Community 1st Credit Union, 1.00%

Lending

The biggest credit union auto lenders Most new and used auto loans outstanding. No. 1: Navy Federal Credit Union, $32.8B
The biggest credit union home lenders Most first-lien and home equity loans outstanding. No. 1: Navy Federal Credit Union, $68.8B
The biggest credit union credit card lenders Largest credit card balances outstanding. No. 1: Navy Federal Credit Union, $33.4B
The biggest credit union business lenders Most commercial loans outstanding. No. 1: First Technology Federal Credit Union, $3.0B
The biggest credit union private student lenders Most private student loans outstanding. No. 1: Navy Federal Credit Union, $1.3B
The credit unions that lend out the most of their deposits Loans as a share of deposits, $50 million and up. No. 1: Webster First Federal Credit Union, 125%

Who they serve

The oldest credit unions still operating Earliest year opened in NCUA records (records with no year, or the placeholder 1900, are left out). No. 1: St. Mary's Bank Credit Union, 1909
The largest low-income designated credit unions Low-income designated, ranked by assets. No. 1: America First Federal Credit Union, $26.0B
Credit unions designated minority depository institutions Minority depository institutions, ranked by assets. No. 1: The Golden 1 Credit Union, $22.2B

What each figure means

Ratios follow NCUA's Financial Performance Report where NCUA defines them: year-to-date income and charge-offs are annualized, and "average" balances are the mean of this quarter and the prior December. Methodology

Size

Total assets: Total assets on the call report.
Members: Current members on the call report.
Loans outstanding: Total loans and leases outstanding.
Shares and deposits: Total member shares and deposits, including nonmember deposits.
Net worth: Net worth as defined in 12 CFR 702.2: retained earnings and other qualifying equity.
Branches: Number of branch offices on the call report.
Employees: Full-time plus part-time employees.

Growth (12 months)

Asset growth: Change in total assets over the last 12 months.
Member growth: Change in members over the last 12 months.
Loan growth: Change in loans outstanding over the last 12 months.
Deposit growth: Change in shares and deposits over the last 12 months.

Capital and reserves

Net worth ratio: Net worth divided by total assets. NCUA's rules treat 7% or more as well capitalized (12 CFR 702.102).
Loss reserves to loans: Allowance for credit losses on loans divided by total loans.
Loss reserves to late loans: Allowance for credit losses on loans divided by loans 60 or more days past due.

Earnings

Return on assets: Annualized year-to-date net income divided by average assets.
Net interest margin: Annualized net interest income divided by average assets.
Dividends paid on deposits: Annualized dividends on shares plus interest on deposits, divided by average shares and deposits. A blended rate across every account the credit union pays on, not an advertised rate.
Cost of funds: Annualized dividends, interest on deposits and interest on borrowed money, divided by average assets (NCUA FPR cost of funds to average assets).
Efficiency ratio: Non-interest (operating) expense divided by net interest income plus non-interest income: the standard industry efficiency ratio (NCUA's FPR does not publish one). Lower means fewer cents spent to earn each dollar of revenue.
Operating expense to assets: Annualized non-interest expense divided by average assets.
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).
Fee income per member: Annualized fee income divided by members. Lower means members pay less in fees on average.
Credit loss expense to loans: Annualized credit loss expense (provision) divided by average loans.

Loan quality

Loans 60+ days late: Loans 60 or more days past due divided by total loans.
Net charge-off rate: Annualized year-to-date charge-offs less recoveries, divided by average loans.

Lending

Loan-to-share ratio: Total loans divided by total shares and deposits.
Auto loans, share of loans: New and used vehicle loans divided by total loans.
Home loans, share of loans: 1-4 family first-lien and junior-lien (home equity) loans divided by total loans.
Credit cards, share of loans: Unsecured credit card balances divided by total loans.
Business loans, share of loans: Commercial loans to members and nonmembers divided by total loans.
Auto loans outstanding: New plus used vehicle loans outstanding.
Home loans outstanding: 1-4 family first-lien plus junior-lien loans outstanding.
Credit card balances: Unsecured credit card loans outstanding.
Business loans outstanding: Commercial loans to members and nonmembers outstanding.
Private student loans: Non-federally guaranteed student loans outstanding.
Average loan size: Total loans divided by the number of loans.

Deposits

Certificates, share of deposits: Share certificates (CDs) divided by total shares and deposits.
Core deposits, share of deposits: Regular shares, share drafts (checking) and money market shares divided by total shares and deposits.
Deposits over $250,000: Shares and deposits above the $250,000 insurance limit divided by total shares and deposits.
Average deposits per member: Total shares and deposits divided by members.

Liquidity

Investments to assets: Investment securities divided by total assets.
Cash to assets: Cash and other deposits divided by total assets.
Borrowings to assets: Total borrowings divided by total assets.

Operations

Members per employee: Members divided by full-time-equivalent employees (full-time plus half of part-time, as NCUA counts them).
Assets per employee: Total assets divided by full-time-equivalent employees.
Members per branch: Members divided by branches.
Field of membership reached: Members divided by the potential members the credit union estimates on its call report.

Loan rates on the call report

New auto loan rate: Interest rate the credit union reported for new vehicle loans on its call report.
Used auto loan rate: Interest rate reported for used vehicle loans.
Credit card rate: Interest rate reported for unsecured credit card loans.
Personal loan rate: Interest rate reported for other unsecured loans and lines of credit.
First mortgage rate: Interest rate reported for 1-4 family first-lien loans and lines.
Home equity rate: Interest rate reported for 1-4 family junior-lien loans and lines.