Ranking · Q2 2026 call reports

The credit unions with the lowest charge-offs

Farmway Credit Union of Beloit, Kansas leads this list at -0.24%, according to the call reports credit unions filed with NCUA for the quarter ended June 30, 2026. Lowest net charge-off rate, $100 million and up. 1,820 credit unions qualify; the top 100 are below.

#	Credit union	Location	Charge-offs	Loans	60+ late	Reserves/loans
1	Farmway Credit Union	Beloit, KS	-0.24%	$69.0M	0.95%	1.19%
2	Illinois State Police Federal Credit Union	Springfield, IL	-0.20%	$26.0M	0.01%	1.23%
3	Greater Community Credit Union	Dawson, MN	-0.09%	$173M	0.48%	1.66%
4	Medina County Federal Credit Union	Wadsworth, OH	-0.09%	$91.5M	0.09%	0.66%
5	Ohio Educational Credit Union	Cleveland, OH	-0.08%	$108M	0.18%	0.80%
6	Tru Fi Credit Union	Macclenny, FL	-0.06%	$86.2M	0.60%	0.87%
7	Polish National Credit Union	Chicopee, MA	-0.04%	$641M	0.17%	0.40%
8	Alden Credit Union	Chicopee, MA	-0.04%	$143M	1.14%	0.27%
9	Sterling Federal Credit Union	Sterling, CO	-0.03%	$90.6M	0.00%	0.15%
10	Fergus Federal Credit Union	Lewistown, MT	-0.02%	$93.1M	0.56%	0.35%
11	River Works Credit Union	Lynn, MA	-0.02%	$162M	0.82%	0.16%
12	Allentown Federal Credit Union	Allentown, PA	-0.01%	$72.6M	0.76%	0.36%
13	Explorers Federal Credit Union	Yankton, SD	-0.01%	$69.2M	0.49%	0.45%
14	Tacoma Longshoremen Credit Union	Tacoma, WA	-0.01%	$29.8M	0.07%	0.12%
15	Nova Ua Federal Credit Union	Clifton, NJ	-0.01%	$101M	0.17%	0.08%
16	Horizons North Credit Union	Westminster, CO	-0.01%	$91.6M	0.05%	0.19%
17	Mon Valley Community Federal Credit Union	Allenport, PA	-0.01%	$58.0M	2.76%	0.89%
18	Santa Ana Federal Credit Union	Santa Ana, CA	-0.01%	$67.5M	0.06%	0.13%
19	Lassen County Federal Credit Union	Susanville, CA	-0.01%	$53.2M	0.49%	0.17%
20	Energy Credit Union	West Roxbury, MA	-0.00%	$91.0M	1.43%	0.59%
21	Oakdale Credit Union	Oakdale, WI	-0.00%	$69.6M	0.00%	0.15%
22	Firestone Federal Credit Union	Akron, OH	-0.00%	$24.0M	1.15%	3.01%
23	Somerset Federal Credit Union	Somerset, MA	-0.00%	$174M	0.19%	0.15%
24	Long Beach Firemen S Credit Union	Long Beach, CA	-0.00%	$134M	0.02%	1.40%
25	California Lithuanian Credit Union	Santa Monica, CA	0.00%	$130M	1.45%	0.32%
26	Workmen's Circle Incorporated Credit Union	Savannah, GA	0.00%	$109M	0.00%	0.57%
27	C-B-W Schools Federal Credit Union	Sidman, PA	0.00%	$27.5M	0.33%	0.59%
28	Cleveland Selfreliance Federal Credit Union	Parma, OH	0.00%	$25.7M	0.01%	0.52%
29	Port Washington Federal Credit Union	Port Washington, NY	0.00%	$100M	4.28%	0.31%
30	Boulder Dam Credit Union	Boulder City, NV	0.00%	$363M	0.21%	0.36%
31	Saco Valley Credit Union	Saco, ME	0.00%	$159M	0.36%	0.30%
32	Community Credit Union	New Rockford, ND	0.00%	$28.9M	0.22%	3.58%
33	Windthorst Federal Credit Union	Windthorst, TX	0.00%	$61.9M	1.04%	0.86%
34	Santa Barbara Teachers Federal Credit Union	Santa Barbara, CA	0.00%	$57.9M	0.01%	0.22%
35	Compass Community Credit Union	Eureka, CA	0.00%	$133M	0.03%	0.20%
36	Hometown Credit Union	Kulm, ND	0.00%	$178M	6.81%	1.72%
37	First Trust Credit Union	Michigan City, IN	0.00%	$53.2M	3.08%	2.18%
38	First Choice America Community Federal Credit Union	Weirton, WV	0.00%	$136M	0.15%	0.97%
39	Denver Fire Department Federal Credit Union	Denver, CO	0.00%	$109M	0.09%	0.43%
40	Railway Credit Union	Mandan, ND	0.00%	$154M	0.50%	0.82%
41	Rockdale Federal Credit Union	Rockdale, TX	0.01%	$54.8M	0.08%	0.52%
42	Polish-American Federal Credit Union	Troy, MI	0.01%	$128M	1.37%	0.48%
43	Brainerd B. N. Credit Union	Brainerd, MN	0.01%	$63.5M	0.17%	0.63%
44	First Priority Credit Union	Boston, MA	0.01%	$98.2M	0.07%	0.31%
45	Tomah Area Credit Union	Tomah, WI	0.01%	$60.4M	0.49%	0.54%
46	First Financial Federal Credit Union	Freehold, NJ	0.01%	$111M	2.78%	2.26%
47	St. Francis X Federal Credit Union	Petoskey, MI	0.01%	$149M	0.11%	0.44%
48	Hawaiian Financial Federal Credit Union	Honolulu, HI	0.01%	$592M	0.54%	0.26%
49	Ukrainian National Federal Credit Union	New York, NY	0.01%	$113M	2.16%	0.39%
50	Pittsford Federal Credit Union	Pittsford, NY	0.01%	$356M	0.55%	0.15%
51	Self Reliance Financial Federal Credit Union	New York, NY	0.01%	$1.4B	0.63%	0.58%
52	1st Ed Credit Union	Chambersburg, PA	0.01%	$43.2M	0.50%	0.88%
53	Inspire Federal Credit Union	Newtown, PA	0.01%	$289M	0.93%	0.63%
54	People's Community Federal Credit Union	Vancouver, WA	0.01%	$123M	2.32%	0.93%
55	Beacon Credit Union	Wabash, IN	0.01%	$1.3B	0.47%	0.46%
56	Lakeview Federal Credit Union	Ashtabula, OH	0.01%	$61.5M	0.26%	0.90%
57	North Star Credit Union	Cook, MN	0.01%	$90.1M	0.00%	0.29%
58	Merck Employees Federal Credit Union	Rahway, NJ	0.01%	$226M	0.30%	0.13%
59	Fall River Municipal Credit Union	Fall River, MA	0.01%	$189M	0.47%	0.43%
60	Arcadia Credit Union	Arcadia, WI	0.02%	$111M	0.46%	0.76%
61	Lesco Federal Credit Union	Latrobe, PA	0.02%	$23.2M	1.36%	0.87%
62	Aspire Community Federal Credit Union	Minot, ND	0.02%	$151M	0.41%	0.59%
63	Cloverbelt Credit Union	Wausau, WI	0.02%	$281M	0.24%	0.18%
64	Grasslands Federal Credit Union	Circle, MT	0.02%	$74.0M	0.05%	0.71%
65	Mayo Employees Federal Credit Union	Rochester, MN	0.02%	$708M	0.05%	0.41%
66	Ukrainian Selfreliance Michigan Federal Credit Union	Warren, MI	0.02%	$41.1M	0.39%	0.43%
67	Naveo Credit Union	Somerville, MA	0.02%	$113M	0.39%	0.48%
68	Whitefish Credit Union Association	Whitefish, MT	0.02%	$1.4B	0.15%	0.17%
69	Penn State Federal Credit Union	Bellefonte, PA	0.02%	$134M	0.33%	0.88%
70	Crow Wing Power Credit Union	Brainerd, MN	0.02%	$95.0M	0.02%	0.22%
71	Assemblies of God Credit Union	Springfield, MO	0.02%	$347M	2.29%	0.39%
72	Oc Federal Credit Union	Garfield Hts, OH	0.02%	$229M	0.17%	1.07%
73	Telcoe Federal Credit Union	Little Rock, AR	0.02%	$157M	0.12%	0.15%
74	Hawaii County Employees Federal Credit Union	Hilo, HI	0.02%	$45.6M	0.21%	0.63%
75	Superior Credit Union, Inc	Lima, OH	0.02%	$1.3B	0.20%	0.33%
76	Ocean State Credit Union	Coventry, RI	0.03%	$275M	1.55%	0.26%
77	Connecticut State Employees Credit Union	Hartford, CT	0.03%	$424M	0.21%	0.16%
78	Freedom Northwest Credit Union	Kamiah, ID	0.03%	$590M	0.61%	0.22%
79	Educators Credit Union	Waco, TX	0.03%	$138M	0.17%	0.25%
80	Knoxville Teachers Federal Credit Union	Knoxville, TN	0.03%	$202M	0.56%	0.94%
81	Apci Federal Credit Union	Lehigh Valley, PA	0.03%	$303M	0.09%	0.34%
82	The Peoples Credit Union	Middletown, RI	0.03%	$652M	0.57%	0.23%
83	Mass Bay Credit Union	South Boston, MA	0.03%	$305M	0.89%	0.18%
84	Greater Springfield Credit Union	Springfield, MA	0.03%	$116M	0.45%	0.73%
85	River Valley Credit Union	Ada, MI	0.03%	$73.7M	0.63%	1.06%
86	Syracuse Fire Department Employees Federal Credit Union	Syracuse, NY	0.03%	$77.6M	0.95%	0.26%
87	Conservation Employees Credit Union	Jefferson City, MO	0.03%	$123M	0.20%	0.17%
88	Greater Woodlawn Federal Credit Union	Blasdell, NY	0.03%	$71.4M	0.12%	0.25%
89	Acipco Federal Credit Union	Birmingham, AL	0.04%	$140M	0.21%	0.55%
90	San Diego Firefighters Federal Credit Union	San Diego, CA	0.04%	$64.2M	0.26%	1.01%
91	Star One Credit Union	Sunnyvale, CA	0.04%	$6.7B	0.13%	0.23%
92	Alcoa Tenn Federal Credit Union	Alcoa, TN	0.04%	$242M	1.05%	0.45%
93	Liberty Bay Credit Union	Braintree, MA	0.04%	$644M	0.24%	0.55%
94	Idb Global Federal Credit Union	Washington, DC	0.04%	$559M	0.13%	0.20%
95	Harbor Pointe Credit Union	Duluth, MN	0.04%	$131M	1.31%	0.67%
96	Auburn Community Federal Credit Union	Auburn, NY	0.04%	$40.0M	0.08%	0.51%
97	Vue Community Credit Union	Bismarck, ND	0.04%	$58.1M	2.99%	0.92%
98	Access Federal Credit Union	Clinton, NY	0.04%	$154M	0.89%	0.54%
99	Missouri Electric Cooperatives Empl Credit Union	Jefferson City, MO	0.04%	$232M	0.13%	0.04%
100	4u Federal Credit Union	Gainesville, TX	0.04%	$122M	0.04%	0.14%

Source: NCUA 5300 Call Report quarterly data, Q2 2026. Net charge-off rate: Annualized year-to-date charge-offs less recoveries, divided by average loans. Not affiliated with NCUA or any credit union. Open this list in the screener · Compare credit unions

More rankings

All 30 rankings

Questions people ask

How is this list ranked?

Lowest net charge-off rate, $100 million and up. Annualized year-to-date charge-offs less recoveries, divided by average loans. Only credit unions with at least $100 million in assets are included, so a very small credit union with a handful of loans cannot top the list. Ties go to the larger credit union. Figures come from each credit union's NCUA 5300 call report for Q2 2026 (quarter ended June 30, 2026).

Can I see more than 100, or filter by state?

Yes. The free screener lists all 1,820 credit unions that qualify for this list, filters by state, size and charter, and downloads as CSV.