National ranking · Q4 2025

Healthiest Credit Unions

The 100 strongest U.S. credit unions on PlainCU's 5-factor composite, net worth, loan quality, ROA, growth and liquidity, from NCUA 5300 Call Reports.

100
Ranked
74
Scoring 99–100
0–100
Composite scale
74 of top 100 score 99–100

PlainCU ranks the top 100 U.S. credit unions by a five-factor health composite from NCUA 5300 Call Reports. 74 of these 100 score 99 or 100; the list weights net worth, loan quality, ROA, member growth, and liquidity.

  • Top 100 by health composite
  • 74 at 99–100
  • Data vintage 2026-09-06

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.

This list, in one line

74 of these 100 score 99 or 100 on the composite, led by FIREMAN'S at 100/100. The #100 cutoff to make this list is 98/100 (FREMONT).

74
At 99–100
100/100
#1 · FIREMAN'S
98/100
#100, the cutoff to make this list
30/25/15/15/15
Pillar weights (%)

PlainCU 5-factor composite from NCUA 5300 Call Reports (net worth, loan quality, ROA, growth, liquidity).

Full top 100

# Credit Union Score
1 FIREMAN'S BIRMINGHAM
100
2 Hershey Robinson Employees Robinson
100
3 Comunidad Latina SANTA ANA
100
4 Guadalupe Parish Antonito
100
5 DECA Cincinnati
100
6 MUSICIANS Arlington
100
7 Umatilla County Pendleton
100
8 Cascade Community Roseburg
100
9 Centex Citizens Mexia
100
10 Painesville Credit Union Painesville
100
11 Safe 1 BAKERSFIELD
100
12 LAKES Monticello
100
13 Western Division WILLIAMSVILLE
100
14 OC GARFIELD HTS
100
15 United Southeast Bristol
100
16 North Shore Silver Bay
100
17 OKLAHOMA'S OKLAHOMA CITY
100
18 Old Kentucky Home BARDSTOWN
100
19 Great Erie ORCHARD PARK
100
20 ZIA Los Alamos
100
21 Community First HANNIBAL
100
22 FREEDOM Provo
100
23 O and R Utilities Employees Monroe
100
24 Clark County LAS VEGAS
100
25 Ct Firefighters HARTFORD
100
26 FAIRWINDS ORLANDO
100
27 OZARK Poplar Bluff
100
28 Gesb Sheet Metal Workers PORTAGE
100
29 ONEAZ Phoenix
100
30 Railroad Employees Belen
100
31 SAFE FOLSOM
100
32 Lewis Clark Lewiston
100
33 Top Tier Clarion
100
34 Achieva Credit Union Dunedin
100
35 Park City Merrill
100
36 MAGNOLIA Jackson
99
37 EDDY CARLSBAD
99
38 Mountain Star El Paso
99
39 PATTERSON ARKADELPHIA
99
40 Heritage South Community Cu Shelbyville
99
41 I.B.E.W. - Local No. 5 Pittsburgh
99
42 CHROME Canonsburg
99
43 NECHES Port Neches
99
44 ASCEND TULLAHOMA
99
45 Alaska Air Group SEATAC
99
46 COCA-COLA ATLANTA
99
47 New Horizon Barberton
99
48 Ibew/Sj Cascade Salem
99
49 Soo Co-Op Sault Sainte Ma
99
50 HEARTLAND Springfield
99
51 ELKO ELKO
99
52 Metrum Community Centennial
99
53 YOLO Woodland
99
54 MONTANA Great Falls
99
55 MISSION San Diego
99
56 River Valley Miamisburg
99
57 Du Pont Employees Fort Madison
99
58 C U P Provo
99
59 CARIBE San Juan
99
60 Jack Daniel Employees LYNCHBURG
99
61 First Heritage Corning
99
62 ALTURA Riverside
99
63 TEWKSBURY Tewksbury
99
64 APPLE Fairfax
99
65 Utah Community Provo
99
66 PLATINUM Duluth
99
67 Credit Union West Glendale
99
68 COLORADO Littleton
99
69 Park View Harrisonburg
99
70 I.L.W.U. Long Beach
99
71 Christian Financial Sterling Height
99
72 BAY Capitola
99
73 UPSTATE Anderson
99
74 Upper Cumberland Crossville
99
75 Becco Buffalo Tonawanda
98
76 Dallas U.P. Employees Dallas
98
77 City of Deer Park Deer Park
98
78 S E a Richfield
98
79 CENTURY SAINT LOUIS
98
80 First Choice MARSHFIELD
98
81 OXFORD MEXICO
98
82 GARDINER Gardiner
98
83 SACRAMENTO Sacramento
98
84 SERVU Painted Post
98
85 CHARLESTON CHARLESTON
98
86 Chicago Firefighter's Chicago
98
87 HOLLEY PARIS
98
88 I.B.E.W. Lu 66 PASADENA
98
89 Healthcare Employees PRINCETON
98
90 Ravalli County Hamilton
98
91 ARMCO BUTLER
98
92 TELCOMM Springfield
98
93 Community South Chipley
98
94 TRANSCEND Louisville
98
95 Valley Communities Mosinee
98
96 Local 41 I.B.E.W. ORCHARD PARK
98
97 Community First Appleton
98
98 First Priority BOSTON
98
99 Financial Horizons HAWTHORNE
98
100 FREMONT Fremont
98

What to do with this ranking

A composite health score is a starting lens for due diligence, not a guarantee.

  • See exactly how the 5 pillar scores for FIREMAN'S add up to 100/100. FIREMAN'S profile
  • A credit union just outside the top 100 (below 98/100) can still be well-capitalized -- check its own Call Report figures rather than reading the cutoff as a safety line. How the score is computed
  • Compare a credit union you are considering against a similarly-sized peer before deciding on health score alone. Compare two credit unions

The composite blends 5 regulatory ratios; a lower score does not mean a credit union is unsafe, only that it scores lower on these specific measures.

Download the Call Report state snapshot cited on this page: cu-call-report-statistics.csv (same CSV as /statistics, CC BY 4.0).