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Ranking · Q2 2026 call reports

The credit unions that lend out the most of their deposits

Webster First Federal Credit Union of Worcester, Massachusetts leads this list at 125%, according to the call reports credit unions filed with NCUA for the quarter ended June 30, 2026. Loans as a share of deposits, $50 million and up. 2,393 credit unions qualify; the top 100 are below.

#Credit unionLocation Loan/share LoansDepositsBorrowings
1 Webster First Federal Credit Union Worcester, MA 125% $1.3B$1.1B11.00%
2 Self-Help Credit Union Durham, NC 121% $1.9B$1.6B13.91%
3 Green Mountain Credit Union South Burlington, VT 121% $138M$115M8.14%
4 Latino Community Credit Union Durham, NC 118% $871M$735M12.76%
5 First Community Credit Union Houston, TX 118% $2.4B$2.0B25.81%
6 Mass Bay Credit Union South Boston, MA 117% $305M$260M17.59%
7 Access Community Credit Union Amarillo, TX 117% $188M$161M12.33%
8 Usalliance Federal Credit Union Rye, NY 116% $3.0B$2.6B14.22%
9 Freedom Northwest Credit Union Kamiah, ID 116% $590M$510M12.52%
10 Inova Federal Credit Union Elkhart, IN 115% $593M$516M10.88%
11 Utica Gas & Electric Emp Federal Credit Union New Hartford, NY 115% $117M$102M11.20%
12 Direct Federal Credit Union Needham, MA 114% $710M$622M9.69%
13 Athol Credit Union Athol, MA 112% $87.1M$77.5M13.06%
14 Sebasticook Valley Federal Credit Union Pittsfield, ME 112% $161M$144M7.52%
15 Arkansas Federal Credit Union Little Rock, AR 112% $2.8B$2.5B10.67%
16 Family First of Ny Federal Credit Union Rochester, NY 111% $288M$259M12.74%
17 Corda Credit Union Cedar Rapids, IA 111% $663M$596M13.01%
18 University of Kentucky Federal Credit Union Lexington, KY 111% $1.5B$1.4B10.31%
19 Mid American Credit Union Wichita, KS 111% $489M$442M6.77%
20 Orion Federal Credit Union Memphis, TN 111% $1.1B$1.0B8.07%
21 Oregon Community Credit Union Eugene, OR 110% $3.3B$3.0B4.81%
22 Altra Federal Credit Union Onalaska, WI 110% $2.8B$2.6B4.36%
23 Solarity Credit Union Yakima, WA 109% $676M$619M4.36%
24 OceanAir Federal Credit Union Oxnard, CA 109% $756M$693M14.35%
25 Harvard Federal Credit Union Cambridge, MA 109% $1.0B$923M14.95%
26 Liberty Bay Credit Union Braintree, MA 109% $644M$591M14.06%
27 Kauai Federal Credit Union Lihue, HI 109% $153M$140M19.71%
28 Sunset Federal Credit Union Portland, OR 109% $83.5M$76.9M0.00%
29 Coastal1 Credit Union Pawtucket, RI 109% $3.0B$2.7B10.83%
30 Texas Dow Employees Credit Union Houston, TX 108% $4.4B$4.0B6.60%
31 Port Washington Federal Credit Union Port Washington, NY 108% $100M$93.0M0.00%
32 Credit Human Federal Credit Union San Antonio, TX 108% $3.9B$3.6B8.81%
33 Greenstate Credit Union North Liberty, IA 108% $9.4B$8.7B11.20%
34 First Community CU of Beloit Credit Union Beloit, WI 107% $374M$348M4.39%
35 Seattle Metropolitan Credit Union Seattle, WA 107% $988M$921M13.34%
36 Aneca Federal Credit Union Shreveport, LA 107% $205M$191M19.66%
37 Civic Federal Credit Union Raleigh, NC 107% $2.7B$2.6B11.71%
38 Hercules First Federal Credit Union Salt Lake City, UT 107% $148M$139M10.16%
39 Alliance Credit Union Fenton, MO 107% $345M$324M10.85%
40 Nebraska Energy Federal Credit Union Columbus, NE 107% $280M$262M0.00%
41 Freedom First Federal Credit Union Roanoke, VA 106% $1.1B$1.0B11.38%
42 Consumers Credit Union Oshtemo, MI 106% $2.5B$2.4B7.78%
43 Rev Federal Credit Union Charleston, SC 106% $1.0B$968M11.98%
44 Blue Federal Credit Union Cheyenne, WY 106% $1.9B$1.8B12.89%
45 Marine Credit Union La Crosse, WI 106% $898M$846M13.15%
46 Signature Federal Credit Union Alexandria, VA 106% $349M$329M10.68%
47 First Source Federal Credit Union New Hartford, NY 106% $1.1B$999M0.00%
48 Wcla Credit Union Olympia, WA 106% $118M$112M3.52%
49 Datcu Credit Union Denton, TX 105% $1.5B$1.5B0.00%
50 O Bee Credit Union Lacey, WA 105% $603M$572M6.77%
51 Advancial Federal Credit Union Dallas, TX 105% $2.0B$1.9B9.45%
52 Interra Credit Union Goshen, IN 105% $1.8B$1.7B8.85%
53 Mypoint Credit Union San Diego, CA 105% $606M$576M8.37%
54 Rally Credit Union Corpus Christi, TX 105% $4.2B$4.0B0.52%
55 Peoples Credit Union Springfield, CO 105% $63.0M$60.0M0.00%
56 Citadel Federal Credit Union Exton, PA 105% $6.1B$5.8B5.31%
57 Utah First Federal Credit Union Salt Lake City, UT 105% $972M$929M9.37%
58 Technicolor Federal Credit Union Burbank, CA 105% $59.2M$56.6M26.08%
59 Workers Federal Credit Union Littleton, MA 104% $2.0B$1.9B21.19%
60 Polish National Credit Union Chicopee, MA 104% $641M$615M6.69%
61 Navigant Credit Union Smithfield, RI 104% $3.8B$3.6B5.52%
62 Westmark Credit Union Idaho Falls, ID 104% $1.4B$1.4B6.94%
63 Cornerstone Community Financial Credit Union Auburn Hills, MI 104% $377M$362M10.00%
64 Rave Financial Credit Union Beaumont, TX 104% $1.0B$962M7.75%
65 Baxter Credit Union Vernon Hills, IL 104% $5.2B$5.0B10.86%
66 Inspire Federal Credit Union Newtown, PA 104% $289M$278M20.99%
67 Cyprus Federal Credit Union West Jordan, UT 104% $1.9B$1.8B0.48%
68 Farmers Insurance Federal Credit Union Los Angeles, CA 104% $1.2B$1.1B3.38%
69 Jeanne D'arc Credit Union Lowell, MA 104% $1.8B$1.7B12.57%
70 Lighthouse Federal Credit Union Dover, NH 104% $1.9B$1.9B7.66%
71 University of Michigan Credit Union Ann Arbor, MI 103% $1.2B$1.1B10.51%
72 Southwest Financial Federal Credit Union Farmers Branch, TX 103% $73.5M$71.3M0.00%
73 Michigan Schools and Government Credit Union Clinton Township, MI 103% $3.8B$3.7B2.95%
74 Riverland Federal Credit Union New Orleans, LA 103% $255M$248M5.94%
75 Y-12 Federal Credit Union Oak Ridge, TN 103% $2.3B$2.2B8.69%
76 Vision One Credit Union Sacramento, CA 103% $78.8M$76.6M0.00%
77 Veridian Credit Union Waterloo, IA 103% $8.0B$7.7B2.71%
78 Affinity Federal Credit Union Basking Ridge, NJ 103% $3.9B$3.8B2.77%
79 Leaders Credit Union Jackson, TN 103% $1.2B$1.2B5.35%
80 Consumers Federal Credit Union Brooklyn, NY 103% $93.2M$90.9M1.89%
81 Canvas Credit Union Lone Tree, CO 102% $4.8B$4.7B1.47%
82 Amplify Credit Union Austin, TX 102% $934M$913M13.49%
83 Andrews Federal Credit Union Suitland, MD 102% $2.1B$2.0B12.28%
84 Community First Guam Federal Credit Union Hagatna, GU 102% $197M$193M9.45%
85 Efcu Financial Federal Credit Union Baton Rouge, LA 102% $1.2B$1.1B3.56%
86 Unitedone Credit Union Manitowoc, WI 102% $289M$283M6.13%
87 Fox Communities Credit Union Appleton, WI 102% $2.7B$2.7B10.21%
88 Brightstar Credit Union Fort Lauderdale, FL 102% $903M$884M6.17%
89 Rockland Federal Credit Union Rockland, MA 102% $3.4B$3.3B1.99%
90 Heartland Credit Union Hutchinson, KS 102% $611M$599M6.96%
91 The Peoples Credit Union Middletown, RI 102% $652M$639M11.22%
92 Town and Country Credit Union Minot, ND 102% $678M$665M0.00%
93 Security Service Federal Credit Union San Antonio, TX 102% $11.4B$11.2B10.27%
94 Workmen's Circle Incorporated Credit Union Savannah, GA 102% $109M$107M0.00%
95 Idaho Central Credit Union Chubbuck, ID 101% $13.8B$13.6B3.07%
96 Usf Federal Credit Union Tampa, FL 101% $1.2B$1.2B6.33%
97 Wasatch Peaks Federal Credit Union Ogden, UT 101% $552M$546M6.26%
98 Raiz Federal Credit Union El Paso, TX 101% $859M$850M11.58%
99 Capital Educators Federal Credit Union Meridian, ID 101% $1.0B$1.0B16.49%
100 Firefighters Credit Union Onalaska, WI 101% $111M$110M0.00%

Source: NCUA 5300 Call Report quarterly data, Q2 2026. Loan-to-share ratio: Total loans divided by total shares and deposits. Not affiliated with NCUA or any credit union. Open this list in the screener · Compare credit unions

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