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, loan products, 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 12.31.16
© Callahan & Associates | www.creditunions.com
| Rank |
Credit Union |
State |
Total Assets |
Total ROM Score (%) |
Return To Savers (%) |
Return To Borrowers (%) |
Member Service Usage (%) |
| 1 |
CITADEL |
PA |
$2,759,603,729 |
100.00% |
99.66% |
99.86% |
99.53% |
| 2 |
DEERE EMPLOYEES |
IL |
$832,883,991 |
99.98% |
99.85% |
98.82% |
100.00% |
| 3 |
UNIVERSITY OF IOWA COMMUNITY |
IA |
$3,902,291,719 |
99.97% |
99.64% |
99.71% |
99.07% |
| 4 |
VERIDIAN |
IA |
$3,101,782,638 |
99.95% |
98.88% |
99.61% |
99.80% |
| 5 |
LAKE MICHIGAN |
MI |
$4,823,231,734 |
99.93% |
99.90% |
99.56% |
98.78% |
| 6 |
ALTRA |
WI |
$1,254,502,255 |
99.92% |
98.39% |
99.70% |
99.66% |
| 7 |
EASTMAN |
TN |
$3,633286,197 |
99.90% |
98.09% |
99.70% |
99.66% |
| 8 |
COMMUNITY FIRST |
WI |
$2,619,355,704 |
99.88% |
99.41% |
98.44% |
99.34% |
| 9 |
IDAHO CENTRAL |
ID |
$2,810,896,842 |
99.85% |
99.80% |
98.65% |
98.31% |
| 10 |
BCU |
IL |
$2,629,405,005 |
99.85% |
99.80% |
98.65% |
98.31% |
Source: Callahan & Associates.
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12-MONTH MEMBER RELATIONSHIP GROWTH
For all U.S. credit unions* | Data as of 12.31.16
© 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 |
DIXIES |
SC |
53.04% |
$13,216 |
$6,253 |
$6,964 |
$41,567,893 |
| 2 |
TEXAS ASSOC. OF PROFESSIONALS |
TX |
49.01% |
$30,312 |
$16,251 |
$17,385 |
$32,918,816 |
| 3 |
MINNESOTA CATHOLIC |
MN |
42.46% |
$15,757 |
$5,9487 |
$9,911 |
$30,870,421 |
| 4 |
VERMONT VA |
VT |
41.74% |
$14,338 |
$4,778 |
$9,559 |
$24,054,550 |
| 5 |
FAMILY SAVINGS |
AL |
39.41% |
$9,693 |
$4,396 |
$5,296 |
$381,695,998 |
| 6 |
RIVER REGION |
LA |
36.35% |
$15,882 |
$4,388 |
$11,493 |
$35,324,587 |
| 7 |
CENTRA |
IN |
33.17% |
$17,899 |
$7,228 |
$10,689 |
$1,362,120,947 |
| 8 |
POSTAL |
LA |
32.05% |
$11,183 |
$3,979 |
$7,204 |
$28,794,926 |
| 9 |
CANNON |
NM |
31.14% |
$12,520 |
$4,863 |
$7,657 |
$64,118,782 |
| 10 |
ADVANCIAL |
TX |
30.46% |
$27,772 |
$13,846 |
$13,926 |
$1,366,049,771 |
* 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 12.31.16
© 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 |
SECU NC |
NC |
$232,011,619 |
$232,011,619 |
$0 |
6 |
$35,025,799,949 |
| 2 |
BETHPAGE |
NY |
$173,840,052 |
$144,517,077 |
$29,322,975 |
10 |
$6,918,649,939 |
| 3 |
UNIVERSITY OF IOWA COMMUNITY |
IA |
$97,912,922 |
$2,912,922 |
$95,000,000 |
2 |
$3,902,291,719 |
| 4 |
NAVY |
VA |
$90,962,870 |
$90,962,870 |
$0 |
9 |
$79,775,661,540 |
| 5 |
FIRST TECH |
CA |
$70,742,888 |
$35,091,801 |
$35,651,087 |
9 |
$9,512,406,848 |
| 6 |
CREDIT UNION OF TEXAS |
TX |
$70,141,901 |
$65,141,901 |
$5,000,000 |
3 |
$1,347,412,795 |
| 7 |
WRIGHT-PATT |
OH |
$69,809,890 |
$48,567,748 |
$21,242,142 |
9 |
$3,459,301,100 |
| 8 |
SERVICE |
NH |
$53,312,171 |
$282,896 |
$53,029,275 |
8 |
$3,034,302,890 |
| 9 |
STATE EMPLOYEES |
NY |
$48,750,785 |
$24,750,785 |
$24,000,000 |
3 |
$3,328,515,261 |
| 10 |
PENTAGON |
VA |
$46,105,293 |
$46,105,293 |
$0 |
12 |
$21,301,361,102 |
*FOR U.S. CREDIT UNIONS WITH MORE THAN $20 MILLION ASSETS,
**INCLUDES WHOLLY AND MULTI-OWNED CREDIT UNION SERVICE ORGANIZATIONS.
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 |
198.21% |
10,753 |
$15,101 |
$94,565,503 |
| 2 |
MID MINNESOTA |
MN |
157.42% |
62,272 |
$6,943 |
$317,096,516 |
| 3 |
ARC |
PA |
142.33% |
17,929 |
$5,729 |
$78,711,530 |
| 4 |
NUMERICA |
WA |
123.27% |
159,779 |
$11,533 |
$1,801,924,214 |
| 5 |
ALABAMA CENTRAL |
AL |
108.05% |
19,386 |
$6,857 |
$135,911,332 |
| 6 |
POWER FINANCIAL |
FL |
106.79% |
35,602 |
$14,705 |
$615,100,587 |
| 7 |
CITY & COUNTY |
MN |
106.61% |
41,283 |
$11,158 |
$490,890,482 |
| 8 |
IBM SOUTHEAST EMPLOYEES |
FL |
104.09% |
77,377 |
$11,067 |
$940,271,063 |
| 9 |
COMMUNITY SOUTH |
FL |
101.54% |
10,428 |
$9,319 |
$110,840,622 |
| 10 |
ENTRUST FINANCIAL |
VA |
101.19% |
10,649 |
$6,861 |
$78,391,111 |
*FOR ALL U.S. CREDIT UNIONS WITH MORE THAN $20 MILLION IN ASSETS
Source: Callahan & Associates.
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DIVIDEND PAYOUT RATIO
For all U.S. credit unions* | Data as of 12.31.16
© Callahan & Associates | www.creditunions.com
| Rank |
Credit Union |
State |
Dividends/Income |
Dividends |
Total Income |
Total Assets |
| 1 |
BUKCS COUNTY EMPLOYEES |
PA |
67.76% |
$586,557 |
$865,594 |
$63,729,847 |
| 2 |
MERCK EMPLOYEES |
NJ |
61.08% |
$19,984,457 |
$32,717,403 |
$1,984,893,972 |
| 3 |
BUTLER CO. TEACHERS |
PA |
55.34% |
$321,852 |
$581,547 |
$27,603,504 |
| 4 |
LUFTHANSA EMPLOYEES |
NY |
53.42% |
$887,823 |
$1,662,100 |
$96,398,974 |
| 5 |
SELF RELIANCE NEW YORK |
NY |
51.14% |
$20,371,633 |
$39,837,145 |
$1,266,792,823 |
| 6 |
SAN JOANQUIN POWER EMPLOYEES |
CA |
50.74% |
$1,971,476 |
$3,885,474 |
$135,853,894 |
| 7 |
HOLY GHOST PARISH |
IA |
49.32% |
$196,094 |
$397,602 |
$27,971,937 |
| 8 |
CONNECTICUT STATE EMPLOYEES |
CT |
48.53% |
$12,640,160 |
$26,045,414 |
$1,768,684,222 |
| 9 |
PUBLIC SERVICE PLAZA |
NJ |
48.34% |
$163,333 |
$337,889 |
$21,001,280 |
| 10 |
DAKOTA TELCO |
ND |
47.19% |
$131,588 |
$278,837 |
$21,364,893 |
*FOR ALL U.S. CREDIT UNIONS WITH MORE THAN $20 MILLION IN ASSETS
Source: Callahan & Associates.
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SMALL BUSINESS ADMINISTRATION LOANS OUTSTANDING
For all U.S. credit unions* | Data as of 12.31.16
© Callahan & Associates | www.creditunions.com
| Rank |
Credit Union |
State |
SBA Loans Outstanding ($) |
MBLs Outstanding ($) |
SBA Loans/Total MBLs |
Avg. SBA Loan Balance |
Total Assets |
| 1 |
CALIFORNIA |
CA |
$167,373,016 |
$174,196,072 |
96.08% |
$412,249 |
$1,593,799,644 |
| 2 |
MOUNTAIN AMERICA |
UT |
$149,271,172 |
$565,316,199 |
26.40% |
$167,532 |
$6,058,883,241 |
| 3 |
MEMBERS CHOICE |
TX |
$63,930,252 |
$20,428,054 |
312.95% |
$581,184 |
$520,190,237 |
| 4 |
APPLE |
VA |
$55,634,750 |
$275,,271,167 |
20.21% |
$1,159,057 |
$2,268,254,260 |
| 5 |
INSIGHT |
FL |
$52,059,835 |
$21,593,862 |
241.09% |
$619,760 |
$562,292,469 |
| 6 |
REDWOOD |
CA |
$51,883,712 |
$321,524,645 |
16.14% |
$320,270 |
$3,287,602,445 |
| 7 |
SECURITY SERVICE |
TX |
$41,050,673 |
$556,627,899 |
7.37% |
$297,469 |
$9,355,767,801 |
| 8 |
NORTHWEST |
VA |
$34,192,372 |
$200,630,331 |
17.04% |
$621,679 |
$3,128,362,162 |
| 9 |
STANFORD |
CA |
$34,033,042 |
$246,354,716 |
13.81% |
$1,031,304 |
$2,116,660,160 |
| 10 |
SAFE |
CA |
$32,259,337 |
$125,346,562 |
25.74% |
$179,219 |
$2,512,179,808 |
*FOR ALL U.S. CREDIT UNIONS WITH MORE THAN $20 MILLION IN ASSETS
Source: Callahan & Associates.
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Download the full 2016 Credit Union Annual Report