Ranking · Q2 2026 call reports
The most efficient credit unions
Aflac Federal Credit Union of Columbus, Georgia leads this list at 26.94%, according to the call reports credit unions filed with NCUA for the quarter ended June 30, 2026. Lowest efficiency ratio, $100 million and up. 1,820 credit unions qualify; the top 100 are below.
| # | Credit union | Location | Efficiency | Assets | Opex/assets | Members/staff |
|---|---|---|---|---|---|---|
| 1 | Aflac Federal Credit Union | Columbus, GA | 26.94% | $134M | 1.02% | 1,230 |
| 2 | Mon Valley Community Federal Credit Union | Allenport, PA | 27.99% | $193M | 1.01% | 781 |
| 3 | Workmen's Circle Incorporated Credit Union | Savannah, GA | 28.06% | $135M | 0.88% | 210 |
| 4 | Port Washington Federal Credit Union | Port Washington, NY | 32.39% | $110M | 1.17% | 432 |
| 5 | Educators Credit Union | Waco, TX | 34.74% | $610M | 1.24% | 636 |
| 6 | Long Beach Firemen S Credit Union | Long Beach, CA | 36.02% | $201M | 0.87% | 460 |
| 7 | Moog Employees Federal Credit Union | East Aurora, NY | 36.29% | $257M | 1.15% | 720 |
| 8 | Lincoln County Credit Union | Libby, MT | 38.08% | $187M | 1.38% | 459 |
| 9 | Firestone Federal Credit Union | Akron, OH | 38.49% | $198M | 0.62% | 934 |
| 10 | Freedom Northwest Credit Union | Kamiah, ID | 39.51% | $693M | 1.67% | 289 |
| 11 | State Farm Federal Credit Union | Bloomington, IL | 39.51% | $5.7B | 0.38% | 828 |
| 12 | Merck Employees Federal Credit Union | Rahway, NJ | 39.80% | $1.7B | 0.49% | 1,352 |
| 13 | Community Credit Union | New Rockford, ND | 40.50% | $172M | 1.09% | 338 |
| 14 | Genisys Credit Union | Auburn Hills, MI | 40.64% | $6.6B | 1.77% | 534 |
| 15 | Schlumberger Employees Credit Union | Sugar Land, TX | 41.07% | $936M | 1.33% | 851 |
| 16 | Caribe Federal Credit Union | San Juan, PR | 41.22% | $800M | 2.32% | 379 |
| 17 | Connecticut State Employees Credit Union | Hartford, CT | 41.76% | $2.7B | 0.50% | 950 |
| 18 | Police & Fire Federal Credit Union | Philadelphia, PA | 41.99% | $10.2B | 1.56% | 527 |
| 19 | Alliant Credit Union | Chicago, IL | 43.61% | $20.0B | 1.31% | 1,044 |
| 20 | Employees Credit Union | Estherville, IA | 43.64% | $203M | 1.44% | 611 |
| 21 | F & A Federal Credit Union | Monterey Park, CA | 44.01% | $3.2B | 0.87% | 421 |
| 22 | Eastman Credit Union | Kingsport, TN | 44.20% | $10.2B | 1.88% | 330 |
| 23 | Utah Power Credit Union | Murray, UT | 44.23% | $1.1B | 1.15% | 532 |
| 24 | McBryde Federal Credit Union | Eleele, HI | 45.39% | $103M | 1.04% | 633 |
| 25 | Greater Community Credit Union | Dawson, MN | 45.57% | $297M | 1.44% | 367 |
| 26 | Brotherhood Credit Union | Lynn, MA | 45.71% | $125M | 2.97% | 222 |
| 27 | Chevron Federal Credit Union | Concord, CA | 45.72% | $5.4B | 1.51% | 400 |
| 28 | Cedar Falls Community Credit Union | Cedar Falls, IA | 46.41% | $252M | 1.99% | 293 |
| 29 | Missouri Electric Cooperatives Empl Credit Union | Jefferson City, MO | 46.48% | $397M | 1.24% | 729 |
| 30 | Acipco Federal Credit Union | Birmingham, AL | 46.66% | $221M | 1.95% | 410 |
| 31 | Cascade Federal Credit Union | Kent, WA | 46.67% | $393M | 2.27% | 197 |
| 32 | Community First Credit Union | Appleton, WI | 47.19% | $6.8B | 1.48% | 277 |
| 33 | Zeal Credit Union | Livonia, MI | 47.24% | $1.1B | 3.34% | 411 |
| 34 | Communitywide Federal Credit Union | South Bend, IN | 47.29% | $874M | 2.17% | 819 |
| 35 | First Choice America Community Federal Credit Union | Weirton, WV | 48.00% | $714M | 1.57% | 411 |
| 36 | Co-Op Credit Union of Montevideo | Montevideo, MN | 48.10% | $423M | 2.01% | 380 |
| 37 | Wcla Credit Union | Olympia, WA | 48.28% | $142M | 1.83% | 153 |
| 38 | Cascade Community Federal Credit Union | Roseburg, OR | 48.89% | $465M | 2.37% | 431 |
| 39 | C-B-W Schools Federal Credit Union | Sidman, PA | 49.08% | $132M | 1.21% | 449 |
| 40 | Utica Gas & Electric Emp Federal Credit Union | New Hartford, NY | 49.16% | $136M | 1.63% | 429 |
| 41 | Pennsylvania State Employees Credit Union | Harrisburg, PA | 49.27% | $9.7B | 2.41% | 637 |
| 42 | ESL Federal Credit Union | Rochester, NY | 49.85% | $10.8B | 2.69% | 470 |
| 43 | University of Hawaii Federal Credit Union | Honolulu, HI | 50.14% | $976M | 1.43% | 477 |
| 44 | Greater Woodlawn Federal Credit Union | Blasdell, NY | 50.30% | $168M | 1.67% | 831 |
| 45 | Mayo Employees Federal Credit Union | Rochester, MN | 50.57% | $1.5B | 1.88% | 588 |
| 46 | Boulder Dam Credit Union | Boulder City, NV | 50.86% | $872M | 1.52% | 424 |
| 47 | City Employees Credit Union | Knoxville, TN | 51.01% | $115M | 2.22% | 345 |
| 48 | Eecu Credit Union | Fort Worth, TX | 51.07% | $4.9B | 2.03% | 735 |
| 49 | Lincoln Maine Federal Credit Union | Lincoln, ME | 51.31% | $163M | 2.41% | 348 |
| 50 | Hibbing Cooperative Credit Union | Hibbing, MN | 51.41% | $109M | 2.26% | 673 |
| 51 | The Health & Education Federal Credit Union | Lexington, KY | 51.53% | $126M | 2.26% | 653 |
| 52 | Tapco Credit Union | Fircrest, WA | 51.60% | $736M | 3.14% | 323 |
| 53 | Lesco Federal Credit Union | Latrobe, PA | 51.79% | $135M | 1.46% | 626 |
| 54 | Meridia Community Federal Credit Union | Hamburg, NY | 51.79% | $144M | 2.63% | 471 |
| 55 | Jackson River Community Credit Union | Covington, VA | 51.92% | $133M | 2.82% | 408 |
| 56 | Hughes Federal Credit Union | Tucson, AZ | 51.92% | $2.6B | 3.11% | 562 |
| 57 | Qualstar Credit Union | Bothell, WA | 51.92% | $939M | 2.61% | 554 |
| 58 | All in Federal Credit Union | Daleville, AL | 51.96% | $3.7B | 2.78% | 433 |
| 59 | America First Federal Credit Union | Riverdale, UT | 52.30% | $26.0B | 2.65% | 436 |
| 60 | SJP Federal Credit Union | Buffalo, NY | 52.40% | $188M | 1.42% | 474 |
| 61 | Families and Schools Together Federal Credit Union | Hanford, CA | 52.43% | $330M | 3.20% | 443 |
| 62 | Redwood Credit Union | Santa Rosa, CA | 52.53% | $10.7B | 2.40% | 436 |
| 63 | Elko Federal Credit Union | Elko, NV | 52.53% | $351M | 2.84% | 443 |
| 64 | First South Financial Federal Credit Union | Bartlett, TN | 52.61% | $845M | 3.45% | 549 |
| 65 | Johnsonville TVA Employees Credit Union | Camden, TN | 52.65% | $181M | 2.43% | 305 |
| 66 | Dover-Phila Federal Credit Union | Dover, OH | 52.70% | $813M | 1.79% | 375 |
| 67 | Dfcu Financial Credit Union | Dearborn, MI | 52.82% | $8.0B | 1.86% | 379 |
| 68 | Knoxville TVA Employees Credit Union | Knoxville, TN | 52.86% | $5.3B | 2.50% | 462 |
| 69 | Day Air Credit Union | Kettering, OH | 53.30% | $909M | 2.80% | 474 |
| 70 | Safe 1 Credit Union | Bakersfield, CA | 53.38% | $1.2B | 2.64% | 625 |
| 71 | Fort Bragg Federal Credit Union | Fayetteville, NC | 53.41% | $690M | 2.11% | 537 |
| 72 | Citizens Equity First Credit Union | Peoria, IL | 53.60% | $8.5B | 2.21% | 401 |
| 73 | Elevate Federal Credit Union | Brigham City, UT | 53.68% | $260M | 2.36% | 382 |
| 74 | Members 1st Federal Credit Union | Enola, PA | 53.93% | $8.7B | 3.14% | 486 |
| 75 | Greater Springfield Credit Union | Springfield, MA | 53.94% | $230M | 2.17% | 414 |
| 76 | Wailuku Federal Credit Union | Kahului, HI | 54.01% | $135M | 2.37% | 385 |
| 77 | Veridian Credit Union | Waterloo, IA | 54.03% | $9.2B | 2.22% | 356 |
| 78 | Datcu Credit Union | Denton, TX | 54.10% | $1.8B | 2.77% | 491 |
| 79 | Educational Employees Credit Union | Fresno, CA | 54.12% | $5.4B | 2.41% | 674 |
| 80 | Citizens Federal Credit Union | Big Spring, TX | 54.15% | $202M | 2.13% | 321 |
| 81 | Communication Federal Credit Union | Oklahoma City, OK | 54.29% | $2.4B | 2.41% | 446 |
| 82 | Mountain Laurel Federal Credit Union | Saint Marys, PA | 54.31% | $174M | 2.81% | 496 |
| 83 | Powernet Credit Union | Tampa, FL | 54.35% | $125M | 2.37% | 225 |
| 84 | Crossroads Financial Federal Credit Union | Portland, IN | 54.45% | $102M | 2.96% | 409 |
| 85 | Utah Community Federal Credit Union | Provo, UT | 54.59% | $4.0B | 2.36% | 524 |
| 86 | Western Division Federal Credit Union | Williamsville, NY | 54.59% | $224M | 2.48% | 365 |
| 87 | Harris County Federal Credit Union | Houston, TX | 54.60% | $223M | 3.05% | 626 |
| 88 | Heartland Credit Union | Hutchinson, KS | 54.61% | $726M | 3.98% | 261 |
| 89 | Grove City Area Federal Credit Union | Grove City, PA | 54.61% | $153M | 2.44% | 461 |
| 90 | Suncoast Credit Union | Tampa, FL | 54.62% | $20.8B | 2.49% | 543 |
| 91 | Quorum Federal Credit Union | Purchase, NY | 54.63% | $1.4B | 3.09% | 484 |
| 92 | Michigan Schools and Government Credit Union | Clinton Township, MI | 54.70% | $4.4B | 2.13% | 342 |
| 93 | Penn State Federal Credit Union | Bellefonte, PA | 55.05% | $274M | 2.42% | 340 |
| 94 | Robins Financial Credit Union | Warner Robins, GA | 55.09% | $5.0B | 2.70% | 501 |
| 95 | Florida Credit Union | Gainesville, FL | 55.12% | $2.8B | 2.89% | 567 |
| 96 | Marquette Community Federal Credit Union | Marquette, MI | 55.18% | $117M | 2.73% | 483 |
| 97 | Navy Federal Credit Union | Vienna, VA | 55.22% | $204B | 3.38% | 620 |
| 98 | SchoolsFirst Federal Credit Union | Santa Ana, CA | 55.22% | $37.2B | 2.02% | 543 |
| 99 | Randolph-Brooks Federal Credit Union | Universal City, TX | 55.50% | $19.6B | 2.66% | 468 |
| 100 | Nebraska Energy Federal Credit Union | Columbus, NE | 55.54% | $328M | 1.78% | 461 |
Source: NCUA 5300 Call Report quarterly data, Q2 2026. 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. Not affiliated with NCUA or any credit union. Open this list in the screener · Compare credit unions
More rankings
- The most profitable credit unions Highest return on assets, $100 million and up.
- The credit unions that pay members the most on deposits Most paid out on deposits, as a blended rate, $100 million and up.
- The credit unions that collect the least in fees Least fee income per member, $100 million and up.
- The largest credit unions in the US Ranked by total assets.
- The credit unions with the most members Ranked by current members.
- The largest federally chartered credit unions Federal charters only, ranked by assets.