What makes a cooperative a cooperative? As member-owned not-for-profit financial institutions, credit unions exist to provide access to affordable credit — through checking accounts, auto and mortgage loans, and other services.
The following metrics provide a convenient snapshot of the credit union leaders in six categories that help highlight the cooperative difference.
Click through the tabs below for a deeper dive into year-end financial performance.
RETURN OF THE MEMBER
For all U.S. credit unions | Data as of 12.31.15
© Callahan & Associates | www.creditunions.com
|
Rank |
Credit Union |
State |
Total Assets |
Total ROM Score (%) |
Return To Savers (%) |
Return To Borrowers (%) |
Member Service Usage (%) |
|
1 |
DEERE EMPLOYEES |
IL |
$784,567,477 |
100.00% |
99.82% |
99.01% |
100.00% |
|
2 |
UNIVERSITY OF IOWA COMMUNITY |
IA |
$3,195,095,197 |
99.98% |
99.80% |
99.95% |
98.99% |
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3 |
FIREFIGHTERS FIRST |
CA |
$1,056,587,829 |
99.97% |
98.71% |
99.80% |
99.93% |
|
4 |
COMMUNITY FIRST |
WI |
$2,345,139,136 |
99.95% |
99.33% |
99.63% |
99.46% |
|
5 |
LAKE MICHIGAN |
MI |
$4,089,397,141 |
99.93% |
99.37% |
99.92% |
98.88% |
|
6 |
IDAHO CENTRAL |
ID |
$2,418,391,383 |
99.92% |
98.47% |
99.98% |
99.22% |
|
7 |
VERIDIAN |
IA |
$2,952,893,688 |
99.90% |
99.25% |
98.00% |
99.90% |
|
8 |
NORTHEAST |
NH |
$1,075,271,291 |
99.89% |
98.23% |
99.87% |
98.55% |
|
9 |
CITADEL |
PA |
$2,433,630,022 |
99.87% |
99.41% |
98.23% |
99.15% |
|
10 |
CONSUMERS |
MI |
$674,548,622 |
99.85% |
97.82% |
98.80% |
99.27% |
Source: Callahan & Associates.
Click To View full table
12-MONTH MEMBER RELATIONSHIP GROWTH
For all U.S. credit unions* | Data as of 12.31.15
© Callahan & Associates | www.creditunions.com
|
Rank |
Credit Union |
State |
Growth in Avg. Member Rel.** |
Avg. Member Rel.** |
Avg. Loan/Member** |
Avg. Share Balance |
Total Assets |
|
1 |
GREEN MOUNTAIN |
VT |
36.00% |
$15,422 |
$8,129 |
$7,293 |
$40,936,501 |
|
2 |
GENERATIONS |
WA |
25.57% |
$11,865 |
$4,994 |
$6,871 |
$28,317,740 |
|
3 |
FAIRFAX COUNTY |
VA |
24.97% |
$31,129 |
$15,217 |
$15,912 |
$332,669,421 |
|
4 |
ALPS |
AK |
23.64% |
$24,164 |
$10,737 |
$13,427 |
$67,074,459 |
|
5 |
PLATINUM |
GA |
22.00% |
$13,729 |
$5,749 |
$7,980 |
$69,234,287 |
|
6 |
LATINO COMMUNITY |
NC |
21.89% |
$5,259 |
$2,623 |
$2,636 |
$198,187,408 |
|
7 |
CAHP |
CA |
19.83% |
$17,538 |
$8,041 |
$9,497 |
$157,705,582 |
|
8 |
COMMUNITY FIRST |
MI |
19.31% |
$9,113 |
$4,720 |
$4,393 |
$39,620,195 |
|
9 |
NARC |
MD |
19.26% |
$11,740 |
$2,793 |
$8,947 |
$23,472,335
|
|
10 |
CALIFORNIA |
CA |
18.83% |
$23,679 |
$10,540 |
$13,139 |
$1,463,540,384 |
* FOR ALL U.S. CREDIT UNIONS WITH MORE THAN $20 MILLION ASSETS, MEMBER GROWTH GREATER THAN OR EQUAL TO ZERO, AND EXCLUDING SIGNIFICANT MERGERS.
** EXCLUDING MEMBER BUSINESS LOANS
Source: Callahan & Associates.
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CUSO INVESTMENTS*
For all U.S. credit unions | Data as of 12.31.15
© Callahan & Associates | www.creditunions.com
|
Rank |
Credit Union |
State |
Investments & Loans In CUSOs |
$ Investments In CUSOs |
$ Loans to CUSOs |
# of CUSO participations** |
Total CU Assets |
|
1 |
STATE EMPLOYEES' |
NC |
$181,709,222 |
$181,709,222 |
$0 |
6 |
$31,820,568,729 |
|
2 |
BELLWETHER COMMUNITY |
NH |
$107,023,734 |
$107,023,734 |
$0 |
4 |
$431,760,742 |
|
3 |
NAVY |
VA |
$85,208,576 |
$85,208,576 |
$0 |
7 |
$73,279,078,865 |
|
4 |
FIRST TECH |
CA |
$73,605,373 |
$29,017,797 |
$44,587,576 |
8 |
$8,649,723,431 |
|
5 |
TEXANS |
TX |
$70,050,000 |
$50,000 |
$70,000,000 |
3 |
$1,445,267,460 |
|
6 |
CREDIT UNION OF TEXAS |
TX |
$64,011,120 |
$59,011,120 |
$5,000,000 |
4 |
$1,284,744,882 |
|
7 |
WRIGHT-PATT |
OH |
$56,073,729 |
$43,907,329 |
$12,166,400 |
10 |
$3,202,505,016 |
|
8 |
ALASKA USA |
AK |
$49,211,485 |
$49,211,485 |
$0 |
11 |
$6,149,860,075 |
|
9 |
WESCOM |
CA |
$46,316,478 |
$46,316,478 |
$0 |
12 |
$3,007,815,087 |
|
10 |
STATE EMPLOYEES |
NY |
$45,897,699 |
$21,897,699 |
$24,000,000 |
4 |
$3,042,780,974 |
*LEADERS DETERMINED BY COMBINED DOLLARS INVESTED IN AND/OR LOANED TO A CUSO
**NUMBER OF PARTICIPATIONS DATA AS OF DECEMBER 2014
Source: Callahan & Associates.
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SHARE DRAFT PENETRATION
For all U.S. credit unions* | Data as of 12.31.15
© Callahan & Associates | www.creditunions.com
|
Rank |
Credit Union |
State |
% of Members w/ Share Draft Account |
# Share Draft Accts. |
Avg. Share Balance |
Total Assets |
|
1 |
COMMUNITY |
CA |
188.62% |
10,644 |
$13,219 |
$85,357,319 |
|
2 |
MID MINNESOTA |
MN |
158.50% |
59,547 |
$6,613 |
$282,870,210 |
|
3 |
ARC |
PA |
142.32% |
17,279 |
$5,556 |
$73,394,163 |
|
4 |
NUMERICA |
WA |
117.79% |
138,078 |
$11,259 |
$1,585,885,956 |
|
5 |
DISTRICT OF COLUMBIA TEACHERS |
DC |
113.57% |
6,493 |
$7,055 |
$46,239,452 |
|
6 |
IDB-IIC |
DC |
108.91% |
10,759
|
$39,987 |
$513,994,342 |
|
7 |
UNITED CONSUMERS |
MO |
106.98% |
18,292 |
$6,812 |
$132,276,479 |
|
8 |
POWER FINANCIAL |
FL |
106.81% |
32,076 |
$14,114 |
$538,238,964 |
|
9 |
ALABAMA CENTRAL |
AL |
103.69% |
18,179 |
$7,046 |
$136,559,336 |
|
10 |
IBM SOUTHEAST EMPLOYEES |
FL |
101.77% |
71,894 |
$11,286 |
$892,481,353 |
*FOR ALL U.S. CREDIT UNIONS WITH MORE THAN $20 MILLION IN ASSETS
Source: Callahan & Associates.
Click To View full table
AUTO LOAN PENETRATION
For all U.S. credit unions* | Data as of 12.31.15
© Callahan & Associates | www.creditunions.com
|
Rank |
Credit Union |
State |
% of Members w/Auto Loans |
Auto Loans/Total Loans |
Total Auto Loans |
12-Mo. Auto Loan Growth |
Indirect Loans Outstanding |
|
1 |
CITIZENS COMMUNITY |
IA |
99.91% |
88.64% |
$123,661,115 |
1.99% |
$107,745,533 |
|
2 |
CONSOLIDATED |
OR |
76.95% |
27.81% |
$37,423,065 |
-1.18% |
$26,842,984 |
|
3 |
COMMUNITY CREDIT UNION OF LYNN |
MA |
76.14% |
46.26% |
$48,180,129 |
-0.53% |
$45,002,351 |
|
4 |
ATLANTA POSTAL |
GA |
73.93% |
59.38% |
$666,079,568 |
27.50% |
$0 |
|
5 |
COMMUNITYWIDE |
IN |
72.90% |
$13,729 |
$284,731,740 |
18.33% |
$285,628,954 |
|
6 |
SISKIYOU CENTRAL |
CA |
67.45% |
64.69% |
$15,472,165 |
15.86% |
$0 |
|
7 |
ASSOCIATED |
GA |
64.64% |
62.78% |
$572,830,378 |
12.64% |
$121,021,457 |
8 |
EAGLE COMMUNITY |
CA |
61.29% |
42.54% |
$48,784,326 |
11.08% |
$21,754,707 |
|
9 |
HANIN |
CA |
59.33% |
85.93% |
$17,417,239 |
8.62% |
$0 |
|
10 |
HOMETOWN |
IN |
58.84% |
67.17% |
$10,447,618 |
12.53% |
$0 |
*FOR ALL U.S. CREDIT UNIONS WITH MORE THAN $20 MILLION IN ASSETS
Source: Callahan & Associates.
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12-MONTH FIRST MORTGAGE GROWTH
For all U.S. credit unions* | Data as of 12.31.15
© Callahan & Associates | www.creditunions.com
|
Rank |
Credit Union |
State |
12-Mo. Growth in First Mtgs Outstanding |
First Mtgs Outstanding |
First Mtg / Total Loans |
First Mtg Delinquency |
Past 12 Months of First Mtg Originations |
Total Assets |
|
1 |
LA FINANCIAL |
CA |
349.22% |
$124,452,612 |
56.75% |
0.70% |
$55,486,573 |
$363,023,332
|
|
2 |
DVA |
DC |
343.70% |
$21,338,779 |
38.82% |
5.25% |
$7,876,728 |
$107,912,806 |
|
3 |
MIRAMAR |
CA |
343.12% |
$64,025,142 |
79.24% |
0.00% |
$30,194,597 |
$172,439,235 |
|
4 |
CALIFORNIA STATE & FEDERAL EMPLOYEES #20 |
CA |
331.67% |
$15,850,392 |
65.65% |
0.00% |
$3,680,000 |
$127,539,839 |
|
5 |
SAGINAW MEDICAL |
MO |
325.16% |
$15,745,978 |
28.51% |
0.00% |
$10,042,489 |
$125,689,419 |
|
6 |
EXCEL |
GA |
323.38% |
$28,847,686 |
45.43% |
1.58% |
$10,794,158 |
$96,734,295 |
|
7 |
RED RIVER |
OK |
318.84% |
$5,011,083 |
11.14% |
0.21% |
$1,013,594 |
$76,676,186 |
|
8 |
COLUMBINE |
CO |
318.28% |
$9,703,709 |
27.02% |
3.17% |
$3,473,918 |
$55,516,971 |
|
9 |
COMMUNITY FINANCIAL |
MO |
317.05% |
$7,164,189 |
20.13% |
0.00% |
$4,683,575 |
$62,190,558 |
|
10 |
DADE COUNTY |
FL |
314.50% |
$49,953,310 |
14.73% |
0.37%
|
$21,621,270 |
$636,640,381 |
*FOR ALL U.S. CREDIT UNIONS WITH MORE THAN $20 MILLION IN ASSETS, AT LEAST $1 IN FIRST MORTGAGES OUTSTANDING FIVE YEARS AGO AND $5 MILLION
Source: Callahan & Associates.
Click To View full table
Download the full 2015 Credit Union Annual Report