Ranking · Q2 2026 call reports
The most profitable credit unions
Caribe Federal Credit Union of San Juan, Puerto Rico leads this list at 3.62%, according to the call reports credit unions filed with NCUA for the quarter ended June 30, 2026. Highest return on assets, $100 million and up. 1,820 credit unions qualify; the top 100 are below.
| # | Credit union | Location | ROA | Assets | Net interest margin | Efficiency |
|---|---|---|---|---|---|---|
| 1 | Caribe Federal Credit Union | San Juan, PR | 3.62% | $800M | 5.45% | 41.22% |
| 2 | Brotherhood Credit Union | Lynn, MA | 3.54% | $125M | 2.69% | 45.71% |
| 3 | Zeal Credit Union | Livonia, MI | 3.05% | $1.1B | 5.00% | 47.24% |
| 4 | Resource One Credit Union | Dallas, TX | 2.99% | $555M | 3.92% | 60.91% |
| 5 | Peoples Advantage Federal Credit Union | Petersburg, VA | 2.93% | $115M | 4.93% | 66.81% |
| 6 | Tapco Credit Union | Fircrest, WA | 2.65% | $736M | 3.66% | 51.60% |
| 7 | Aflac Federal Credit Union | Columbus, GA | 2.63% | $134M | 3.77% | 26.94% |
| 8 | Abilene Teachers Federal Credit Union | Abilene, TX | 2.61% | $690M | 4.31% | 59.96% |
| 9 | Westex Community Credit Union | Kermit, TX | 2.59% | $231M | 4.18% | 57.28% |
| 10 | Families and Schools Together Federal Credit Union | Hanford, CA | 2.57% | $330M | 4.59% | 52.43% |
| 11 | Mon Valley Community Federal Credit Union | Allenport, PA | 2.56% | $193M | 3.46% | 27.99% |
| 12 | Freedom Northwest Credit Union | Kamiah, ID | 2.54% | $693M | 3.56% | 39.51% |
| 13 | Elko Federal Credit Union | Elko, NV | 2.51% | $351M | 4.26% | 52.53% |
| 14 | Cascade Federal Credit Union | Kent, WA | 2.50% | $393M | 2.33% | 46.67% |
| 15 | Heartland Credit Union | Hutchinson, KS | 2.49% | $726M | 4.97% | 54.61% |
| 16 | Jackson River Community Credit Union | Covington, VA | 2.47% | $133M | 4.20% | 51.92% |
| 17 | Interstate Credit Union | Jesup, GA | 2.46% | $411M | 3.93% | 57.21% |
| 18 | Crossroads Financial Federal Credit Union | Portland, IN | 2.43% | $102M | 4.28% | 54.45% |
| 19 | Members 1st Federal Credit Union | Enola, PA | 2.43% | $8.7B | 4.32% | 53.93% |
| 20 | Cascade Community Federal Credit Union | Roseburg, OR | 2.42% | $465M | 3.86% | 48.89% |
| 21 | On Tap Credit Union | Golden, CO | 2.40% | $474M | 3.10% | 57.01% |
| 22 | ESL Federal Credit Union | Rochester, NY | 2.36% | $10.8B | 3.21% | 49.85% |
| 23 | Oakdale Credit Union | Oakdale, WI | 2.33% | $132M | 3.76% | 56.92% |
| 24 | Educators Credit Union | Waco, TX | 2.33% | $610M | 3.23% | 34.74% |
| 25 | Port Washington Federal Credit Union | Port Washington, NY | 2.33% | $110M | 3.04% | 32.39% |
| 26 | Meridia Community Federal Credit Union | Hamburg, NY | 2.31% | $144M | 4.18% | 51.79% |
| 27 | Sebasticook Valley Federal Credit Union | Pittsfield, ME | 2.30% | $186M | 4.88% | 57.59% |
| 28 | Mountain Laurel Federal Credit Union | Saint Marys, PA | 2.26% | $174M | 4.24% | 54.31% |
| 29 | Workmen's Circle Incorporated Credit Union | Savannah, GA | 2.24% | $135M | 3.02% | 28.06% |
| 30 | Neches Federal Credit Union | Port Neches, TX | 2.24% | $1.2B | 4.09% | 58.85% |
| 31 | Acipco Federal Credit Union | Birmingham, AL | 2.22% | $221M | 3.54% | 46.66% |
| 32 | Centricity Credit Union | Hermantown, MN | 2.19% | $341M | 5.06% | 63.01% |
| 33 | Breakwater Federal Credit Union | Houghton, MI | 2.16% | $138M | 4.42% | 60.10% |
| 34 | Lincoln County Credit Union | Libby, MT | 2.16% | $187M | 3.21% | 38.08% |
| 35 | KSW Federal Credit Union | Waterville, ME | 2.15% | $122M | 4.32% | 59.00% |
| 36 | Marquette Community Federal Credit Union | Marquette, MI | 2.14% | $117M | 4.14% | 55.18% |
| 37 | Marshall Community Credit Union | Marshall, MI | 2.13% | $372M | 4.18% | 63.16% |
| 38 | Hibbing Cooperative Credit Union | Hibbing, MN | 2.10% | $109M | 4.01% | 51.41% |
| 39 | S. C. State Federal Credit Union | Columbia, SC | 2.09% | $1.5B | 4.30% | 55.83% |
| 40 | Total Community Credit Union | Taylor, MI | 2.09% | $111M | 4.07% | 61.99% |
| 41 | Lincoln Maine Federal Credit Union | Lincoln, ME | 2.07% | $163M | 3.95% | 51.31% |
| 42 | Northridge Community Credit Union | Virginia, MN | 2.04% | $113M | 5.65% | 67.10% |
| 43 | Moog Employees Federal Credit Union | East Aurora, NY | 2.02% | $257M | 3.06% | 36.29% |
| 44 | Pennsylvania State Employees Credit Union | Harrisburg, PA | 2.01% | $9.7B | 3.96% | 49.27% |
| 45 | Family Security Credit Union | Decatur, AL | 2.01% | $1.1B | 3.39% | 55.66% |
| 46 | First California Federal Credit Union | Fresno, CA | 2.00% | $110M | 3.95% | 65.75% |
| 47 | Southwest Oklahoma Federal Credit Union | Lawton, OK | 2.00% | $116M | 4.85% | 60.82% |
| 48 | First South Financial Federal Credit Union | Bartlett, TN | 1.99% | $845M | 3.87% | 52.61% |
| 49 | Genesee Valley Federal Credit Union | Geneseo, NY | 1.99% | $176M | 3.84% | 56.83% |
| 50 | Western Division Federal Credit Union | Williamsville, NY | 1.98% | $224M | 3.98% | 54.59% |
| 51 | Genco Federal Credit Union | Waco, TX | 1.98% | $495M | 3.46% | 60.56% |
| 52 | Three Rivers Federal Credit Union | Fort Wayne, IN | 1.98% | $2.9B | 3.80% | 59.69% |
| 53 | Eastman Credit Union | Kingsport, TN | 1.98% | $10.2B | 3.34% | 44.20% |
| 54 | Police & Fire Federal Credit Union | Philadelphia, PA | 1.98% | $10.2B | 2.72% | 41.99% |
| 55 | Fergus Federal Credit Union | Lewistown, MT | 1.98% | $118M | 4.29% | 59.39% |
| 56 | Wailuku Federal Credit Union | Kahului, HI | 1.97% | $135M | 3.77% | 54.01% |
| 57 | Co-Op Credit Union of Montevideo | Montevideo, MN | 1.97% | $423M | 3.52% | 48.10% |
| 58 | Powernet Credit Union | Tampa, FL | 1.96% | $125M | 2.94% | 54.35% |
| 59 | First Northern Credit Union | Chicago, IL | 1.95% | $333M | 4.28% | 67.77% |
| 60 | Robins Financial Credit Union | Warner Robins, GA | 1.95% | $5.0B | 3.49% | 55.09% |
| 61 | Fort Worth City Credit Union | Fort Worth, TX | 1.95% | $337M | 3.38% | 56.69% |
| 62 | Tucoemas Federal Credit Union | Visalia, CA | 1.94% | $332M | 4.79% | 61.75% |
| 63 | CGR Credit Union | Macon, GA | 1.94% | $120M | 3.99% | 71.32% |
| 64 | First Alliance Credit Union | Rochester, MN | 1.92% | $358M | 5.96% | 69.25% |
| 65 | Penn State Federal Credit Union | Bellefonte, PA | 1.91% | $274M | 3.89% | 55.05% |
| 66 | The Health & Education Federal Credit Union | Lexington, KY | 1.90% | $126M | 3.95% | 51.53% |
| 67 | Heritage South Community CU | Shelbyville, TN | 1.90% | $362M | 4.76% | 68.14% |
| 68 | Grove City Area Federal Credit Union | Grove City, PA | 1.90% | $153M | 3.55% | 54.61% |
| 69 | SMW 104 Federal Credit Union | Livermore, CA | 1.89% | $118M | 3.77% | 59.52% |
| 70 | Superior Credit Union, Inc | Lima, OH | 1.89% | $2.0B | 3.09% | 57.08% |
| 71 | Gardiner Federal Credit Union | Gardiner, ME | 1.88% | $101M | 3.76% | 56.49% |
| 72 | C E S Credit Union | Mount Vernon, OH | 1.87% | $244M | 4.10% | 63.92% |
| 73 | Credit Union of New Jersey, A | Ewing, NJ | 1.87% | $513M | 4.14% | 67.74% |
| 74 | Elevate Federal Credit Union | Brigham City, UT | 1.87% | $260M | 3.42% | 53.68% |
| 75 | Members First Credit Union | Brigham City, UT | 1.86% | $209M | 3.59% | 56.92% |
| 76 | Muskogee Federal Credit Union | Muskogee, OK | 1.86% | $112M | 3.86% | 60.91% |
| 77 | Educational Employees Credit Union | Fresno, CA | 1.86% | $5.4B | 3.20% | 54.12% |
| 78 | Harris County Federal Credit Union | Houston, TX | 1.86% | $223M | 4.28% | 54.60% |
| 79 | Schlumberger Employees Credit Union | Sugar Land, TX | 1.85% | $936M | 2.73% | 41.07% |
| 80 | Wayne-Westland Federal Credit Union | Westland, MI | 1.85% | $161M | 3.77% | 65.72% |
| 81 | Johnsonville TVA Employees Credit Union | Camden, TN | 1.84% | $181M | 3.71% | 52.65% |
| 82 | Fort Bragg Federal Credit Union | Fayetteville, NC | 1.84% | $690M | 3.07% | 53.41% |
| 83 | Estacado Federal Credit Union | Hobbs, NM | 1.84% | $120M | 4.84% | 64.83% |
| 84 | Quorum Federal Credit Union | Purchase, NY | 1.84% | $1.4B | 3.29% | 54.63% |
| 85 | Uniwyo Federal Credit Union | Laramie, WY | 1.84% | $826M | 3.77% | 59.78% |
| 86 | Syracuse Fire Department Employees Federal Credit Union | Syracuse, NY | 1.84% | $147M | 3.61% | 56.41% |
| 87 | Members' Advantage Credit Union | Wisconsin Rapids, WI | 1.83% | $185M | 3.98% | 60.55% |
| 88 | 1st Advantage Federal Credit Union | Newport News, VA | 1.83% | $1.1B | 4.56% | 62.58% |
| 89 | Mayo Employees Federal Credit Union | Rochester, MN | 1.82% | $1.5B | 2.84% | 50.57% |
| 90 | Coosa Pines Federal Credit Union | Childersburg, AL | 1.82% | $421M | 4.06% | 56.96% |
| 91 | Naft Federal Credit Union | Pharr, TX | 1.81% | $162M | 3.60% | 62.96% |
| 92 | Heartland Credit Union | Springfield, IL | 1.81% | $574M | 3.46% | 56.25% |
| 93 | Allied Federal Credit Union | Arlington, TX | 1.81% | $138M | 4.05% | 63.71% |
| 94 | East Texas Professional Credit Union | Longview, TX | 1.81% | $1.4B | 3.81% | 56.76% |
| 95 | Wcla Credit Union | Olympia, WA | 1.80% | $142M | 3.68% | 48.28% |
| 96 | Finger Lakes Federal Credit Union | Geneva, NY | 1.80% | $259M | 4.14% | 65.13% |
| 97 | Greater Springfield Credit Union | Springfield, MA | 1.80% | $230M | 3.30% | 53.94% |
| 98 | F A A Federal Credit Union | Cordova, TN | 1.80% | $131M | 4.32% | 66.58% |
| 99 | America First Federal Credit Union | Riverdale, UT | 1.79% | $26.0B | 3.65% | 52.30% |
| 100 | Members First Community Credit Union | Quincy, IL | 1.79% | $112M | 4.22% | 68.53% |
Source: NCUA 5300 Call Report quarterly data, Q2 2026. Return on assets: Annualized year-to-date net income divided by average assets. Not affiliated with NCUA or any credit union. Open this list in the screener · Compare credit unions
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