Credit Union Rankings
Explore top-performing credit unions across 4,374 NCUA-insured institutions, ranked by live Call Report metrics.
National health-score mix
How 4,374 scored credit unions sit across PlainCU composite bands (Q4 2025 Call Report). Shares are mutually exclusive score ranges, not a funnel. 98.4% also clear the NCUA 7% well-capitalized net-worth floor.
- 90-100 · 26.9% · 1,175 CUs
- 80-89 · 37.2% · 1,626 CUs
- 70-79 · 18.8% · 821 CUs
- 60-69 · 10.4% · 456 CUs
- Below 60 · 6.8% · 296 CUs
Charter mix: Federal 63.4% (2,773) · State 36.6% (1,601) . Rankings below cut the same extract by health, assets, growth, and rates.
Healthiest Credit Unions
Top 100 by composite health score (net worth, delinquency, ROA, growth, loan-to-share).
View ranking →Largest Credit Unions
Top 100 by total assets. Includes Navy Federal, State Employees, SchoolsFirst.
View ranking →Fastest-Growing
Top 100 by year-over-year member growth rate (Q4 2024 to Q4 2025).
View ranking →CU vs Bank Rates
How credit union rates compare to bank averages on loans and savings.
View ranking →Healthiest preview
Top eight by composite health score, open any bar for the full Call Report profile.
What to do with these rankings
A ranking is a starting lens, not a verdict -- pick the list that matches what you actually need.
- Chasing safety over size? The healthiest ranking blends five regulatory ratios, not just assets under management. Healthiest credit unions
- 98.4% of tracked credit unions already clear the NCUA well-capitalized floor -- a ranking spot below #1 does not mean a credit union is unsafe. How health score is computed
- Open any ranked credit union's own page to verify the Call Report figures behind its rank. Browse credit unions
Asset size, growth rate, and health score measure different things -- a small, fast-growing credit union can be perfectly healthy without ever appearing on the largest-by-assets list.
How PlainCU rankings are compiled
Rankings recompute from the NCUA 5300 Call Report extract whenever the upstream quarter refreshes. Each list uses one reproducible metric (composite health, total assets, member growth, or posted rates vs bank averages), and every row links to the underlying credit-union page so you can verify the inputs.
What rankings mean (and do not)
A ranking is a starting lens, not a quality verdict. Asset size tracks scale; growth tracks membership change; health blends five regulatory ratios against published thresholds. Posted rates are starting points that still depend on credit profile, term, and relationship pricing.
Health score inputs
The healthiest ranking blends net worth ratio (30%), delinquency (25%), ROA (15%), member growth (15%), and loan-to-share (15%). A net worth ratio at or above the NCUA 10% "exceptionally capitalized" mark earns full capital points. Formula detail lives on the methodology page; credit unions cannot pay to alter a score.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. This page draws directly on NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.
Download the Call Report state snapshot cited on this page: cu-call-report-statistics.csv (same CSV as /statistics, CC BY 4.0).