Ranking · Q2 2026 call reports

The credit unions with the fewest late loans

Nuvista Federal Credit Union of Montrose, Colorado leads this list at 0.00%, according to the call reports credit unions filed with NCUA for the quarter ended June 30, 2026. Lowest share of loans 60+ days late, $100 million and up. 1,820 credit unions qualify; the top 100 are below.

#	Credit union	Location	60+ late	Loans	Charge-offs	Net worth ratio
1	Nuvista Federal Credit Union	Montrose, CO	0.00%	$70.2M	0.04%	14.33%
2	Workmen's Circle Incorporated Credit Union	Savannah, GA	0.00%	$109M	0.00%	20.83%
3	Oakdale Credit Union	Oakdale, WI	0.00%	$69.6M	-0.00%	13.35%
4	Northwestern Mutual Credit Union	Milwaukee, WI	0.00%	$121M	0.10%	11.07%
5	Moog Employees Federal Credit Union	East Aurora, NY	0.00%	$98.9M	0.13%	26.63%
6	North Star Credit Union	Cook, MN	0.00%	$90.1M	0.01%	9.38%
7	Sterling Federal Credit Union	Sterling, CO	0.00%	$90.6M	-0.03%	17.07%
8	Cleveland Selfreliance Federal Credit Union	Parma, OH	0.01%	$25.7M	0.00%	17.30%
9	Long Beach City Employees Federal Credit Union	Signal Hill, CA	0.01%	$122M	0.09%	13.85%
10	Sea West Coast Guard Federal Credit Union	Oakland, CA	0.01%	$238M	0.06%	20.17%
11	Calhoun Liberty Credit Union	Blountstown, FL	0.01%	$130M	0.13%	10.66%
12	Santa Barbara Teachers Federal Credit Union	Santa Barbara, CA	0.01%	$57.9M	0.00%	13.82%
13	Illinois State Police Federal Credit Union	Springfield, IL	0.01%	$26.0M	-0.20%	10.35%
14	Adventhealth Credit Union	Altamonte Springs, FL	0.02%	$98.9M	0.08%	9.79%
15	Long Beach Firemen S Credit Union	Long Beach, CA	0.02%	$134M	-0.00%	29.43%
16	A.a.e.c. Credit Union	Arlington Heights, IL	0.02%	$51.2M	0.21%	13.03%
17	Crow Wing Power Credit Union	Brainerd, MN	0.02%	$95.0M	0.02%	9.43%
18	Caltech Employees Federal Credit Union	La Canada, CA	0.02%	$705M	0.06%	10.08%
19	First Watch Federal Credit Union	Abilene, TX	0.03%	$69.1M	0.14%	9.33%
20	1st Northern California Credit Union	Martinez, CA	0.03%	$420M	0.08%	11.81%
21	Members First Community Credit Union	Quincy, IL	0.03%	$78.9M	0.47%	25.42%
22	Compass Community Credit Union	Eureka, CA	0.03%	$133M	0.00%	11.97%
23	Fort Worth City Credit Union	Fort Worth, TX	0.03%	$188M	0.08%	13.10%
24	San Joaquin Power Employees Credit Union	Fresno, CA	0.04%	$126M	0.05%	15.39%
25	First Community Credit Union	Coquille, OR	0.04%	$1.3B	0.04%	13.29%
26	4u Federal Credit Union	Gainesville, TX	0.04%	$122M	0.04%	8.91%
27	Cascade Community Federal Credit Union	Roseburg, OR	0.04%	$274M	0.12%	17.75%
28	Evolve Federal Credit Union	El Paso, TX	0.04%	$208M	0.25%	10.80%
29	Grasslands Federal Credit Union	Circle, MT	0.05%	$74.0M	0.02%	13.49%
30	Horizons North Credit Union	Westminster, CO	0.05%	$91.6M	-0.01%	8.31%
31	Park View Federal Credit Union	Harrisonburg, VA	0.05%	$311M	0.07%	10.06%
32	Nebraska Energy Federal Credit Union	Columbus, NE	0.05%	$280M	0.05%	19.32%
33	Mayo Employees Federal Credit Union	Rochester, MN	0.05%	$708M	0.02%	14.90%
34	Kaiperm Federal Credit Union	Walnut Creek, CA	0.05%	$76.4M	0.21%	9.31%
35	Ko`olau Federal Credit Union	Kailua, HI	0.05%	$55.5M	0.28%	9.45%
36	Crossroads Financial Federal Credit Union	Portland, IN	0.05%	$47.0M	0.07%	15.12%
37	Common Trust Federal Credit Union	Woburn, MA	0.05%	$42.6M	0.35%	9.47%
38	Cannon Federal Credit Union	Clovis, NM	0.06%	$47.8M	0.64%	13.68%
39	United Community Federal Credit Union	West Mifflin, PA	0.06%	$46.7M	0.16%	13.25%
40	Santa Ana Federal Credit Union	Santa Ana, CA	0.06%	$67.5M	-0.01%	13.47%
41	Members Choice of Central Texas Federal Credit Union	Waco, TX	0.06%	$122M	0.34%	16.26%
42	Tacoma Longshoremen Credit Union	Tacoma, WA	0.07%	$29.8M	-0.01%	13.57%
43	New Hampshire Federal Credit Union	Concord, NH	0.07%	$251M	0.12%	13.81%
44	Provident Credit Union	Redwood City, CA	0.07%	$2.9B	0.09%	10.86%
45	Sunrise Family Credit Union	Bay City, MI	0.07%	$53.0M	0.18%	9.21%
46	Two Harbors Federal Credit Union	Two Harbors, MN	0.07%	$79.3M	0.16%	14.35%
47	Railroad Credit Union	Irondale, AL	0.07%	$11.3M	0.85%	14.40%
48	First Priority Credit Union	Boston, MA	0.07%	$98.2M	0.01%	13.13%
49	Consumers Federal Credit Union	Brooklyn, NY	0.07%	$93.2M	0.07%	11.59%
50	Pioneer Appalachia Federal Credit Union	Charleston, WV	0.07%	$143M	0.26%	11.26%
51	Community Trust Credit Union	Gurnee, IL	0.08%	$139M	0.10%	11.94%
52	St. Mary's Credit Union	Marlborough, MA	0.08%	$757M	0.07%	11.69%
53	Rockdale Federal Credit Union	Rockdale, TX	0.08%	$54.8M	0.01%	11.65%
54	Auburn Community Federal Credit Union	Auburn, NY	0.08%	$40.0M	0.04%	12.28%
55	Mountain Laurel Federal Credit Union	Saint Marys, PA	0.08%	$83.7M	0.09%	19.68%
56	Brewer Federal Credit Union	Brewer, ME	0.08%	$74.3M	0.13%	10.34%
57	Financial Horizons Credit Union	Hawthorne, NV	0.08%	$171M	0.26%	12.98%
58	Medina County Federal Credit Union	Wadsworth, OH	0.09%	$91.5M	-0.09%	12.33%
59	Dugood Federal Credit Union	Beaumont, TX	0.09%	$418M	0.20%	13.37%
60	United Business & Industry Federal Credit Union	Plainville, CT	0.09%	$115M	0.54%	11.57%
61	Denver Fire Department Federal Credit Union	Denver, CO	0.09%	$109M	0.00%	14.15%
62	Cal-Com Federal Credit Union	Port Lavaca, TX	0.09%	$118M	0.48%	12.47%
63	Apci Federal Credit Union	Lehigh Valley, PA	0.09%	$303M	0.03%	9.11%
64	Sacramento Credit Union	Sacramento, CA	0.09%	$473M	0.08%	15.14%
65	Members Trust of the Southwest Federal Credit Union	Houston, TX	0.09%	$224M	0.14%	8.52%
66	Cenla Federal Credit Union	Alexandria, LA	0.09%	$41.0M	0.27%	21.71%
67	Coconino Federal Credit Union	Flagstaff, AZ	0.09%	$58.3M	1.01%	10.86%
68	Winthrop Area Federal Credit Union	Winthrop, ME	0.10%	$59.8M	0.07%	11.43%
69	Finger Lakes Federal Credit Union	Geneva, NY	0.10%	$158M	0.12%	15.05%
70	Consumer Credit Union	Greeneville, TN	0.10%	$501M	0.06%	10.71%
71	Wasatch Peaks Federal Credit Union	Ogden, UT	0.10%	$552M	0.13%	10.57%
72	The Southern Credit Union	Fayetteville, GA	0.10%	$210M	0.15%	11.60%
73	Cahp Credit Union	Sacramento, CA	0.10%	$276M	0.18%	8.89%
74	Michigan United Credit Union	Auburn Hills, MI	0.10%	$221M	0.44%	11.98%
75	Blue Eagle Credit Union	Roanoke, VA	0.11%	$220M	0.39%	12.87%
76	St. Francis X Federal Credit Union	Petoskey, MI	0.11%	$149M	0.01%	13.89%
77	Aero Federal Credit Union	Glendale, AZ	0.11%	$298M	0.31%	11.97%
78	White Sands Federal Credit Union	Las Cruces, NM	0.11%	$208M	0.26%	13.17%
79	Abbott Laboratories Credit Union	Gurnee, IL	0.11%	$615M	0.16%	14.49%
80	Greater Woodlawn Federal Credit Union	Blasdell, NY	0.12%	$71.4M	0.03%	23.92%
81	Telcoe Federal Credit Union	Little Rock, AR	0.12%	$157M	0.02%	20.21%
82	Plus Credit Union	Las Vegas, NV	0.12%	$54.3M	0.07%	12.54%
83	One Credit Union of Ny	Cheektowaga, NY	0.12%	$41.6M	0.13%	13.16%
84	Dutch Point Credit Union	Wethersfield, CT	0.12%	$319M	0.21%	10.55%
85	Gardiner Federal Credit Union	Gardiner, ME	0.12%	$57.1M	0.14%	15.92%
86	First Service Federal Credit Union	Groveport, OH	0.12%	$149M	0.27%	10.16%
87	Citizens Federal Credit Union	Big Spring, TX	0.13%	$134M	0.40%	14.60%
88	Mil-Way Federal Credit Union	Texarkana, AR	0.13%	$90.8M	0.09%	10.30%
89	Torrance Community Federal Credit Union	Torrance, CA	0.13%	$70.0M	0.06%	10.15%
90	Idb Global Federal Credit Union	Washington, DC	0.13%	$559M	0.04%	12.34%
91	Catholic & Community Credit Union	Shiloh, IL	0.13%	$112M	0.34%	10.21%
92	Vida Federal Credit Union	Ontario, CA	0.13%	$88.8M	0.35%	13.75%
93	North Carolina Community Federal Credit Union	Goldsboro, NC	0.13%	$55.2M	0.38%	10.92%
94	Transcend Credit Union	Louisville, KY	0.13%	$431M	0.18%	13.37%
95	K V Federal Credit Union	Augusta, ME	0.13%	$82.1M	0.23%	12.42%
96	Winnebago Community Credit Union	Oshkosh, WI	0.13%	$124M	0.09%	13.75%
97	Missouri Electric Cooperatives Empl Credit Union	Jefferson City, MO	0.13%	$232M	0.04%	11.32%
98	Star One Credit Union	Sunnyvale, CA	0.13%	$6.7B	0.04%	14.06%
99	Utah First Federal Credit Union	Salt Lake City, UT	0.13%	$972M	0.29%	10.38%
100	Staley Credit Union	Decatur, IL	0.13%	$166M	0.14%	11.83%

Source: NCUA 5300 Call Report quarterly data, Q2 2026. Loans 60+ days late: Loans 60 or more days past due divided by total loans. Not affiliated with NCUA or any credit union. Open this list in the screener · Compare credit unions

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Questions people ask

How is this list ranked?

Lowest share of loans 60+ days late, $100 million and up. Loans 60 or more days past due divided by total 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.