NCUA 5300 Call Report · Q4 2025

U.S. credit union statistics

Key findings compiled live from NCUA 5300 Call Reports. Every figure below is computed from the PlainCU database at request time. These are registry totals, not advice on which credit union to join.

4,374
Credit unions
$2.46T
Combined assets
98.4%
Well-capitalized
54
Jurisdictions
4,374 credit unions in this extract

4,374 federally insured U.S. credit unions in the Q4 2025 NCUA extract, $2.46T combined assets, 98.4% well-capitalized at the 7% net-worth cutoff, Navy Federal Credit Union largest by assets.

  • $2.46T combined assets
  • 98.4% well-capitalized
  • Call Report Q4 2025

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.

Key findings

Standalone, citable statements from the linked Call Report extract. Free to reuse with attribution to PlainCU (CC BY 4.0; cite the page).

  • 4,374 federally insured U.S. credit unions sit in the PlainCU Q4 2025 NCUA 5300 Call Report extract, spanning 54 states and territories. Every figure below is recomputed from that extract at request time.
  • 145,981,741 members are reported across those credit unions in the same Call Report vintage. Member counts are institution filings, not unique people (a person can belong to more than one credit union).
  • $2.46T in combined total assets is the national balance-sheet scale of this extract. Assets are Call Report totals, not a market-share ranking of consumer deposits.
  • $197.2B Navy Federal Credit Union reports the largest total assets in this extract (8.0% of combined assets; 15,139,001 members). Rankings pages may apply other floors; this page restates live #1 by total assets.
  • 386 credit unions are chartered in Texas, the most institutions of any jurisdiction in this extract. Institution count is not the same as combined assets or member coverage.
  • $304.1B California leads on combined credit-union assets (12.4% of the national total across 243 institutions). State totals sum credit unions whose Call Report state code is that jurisdiction.
  • 98.4% of 4,374 credit unions with a reported net-worth ratio meet or exceed the NCUA 7% well-capitalized threshold (4,303 of 4,374). That is a regulatory capital cutoff, not a composite health grade.
  • 6.88% is the published credit-card variable APR gap in the Q4 2025 rate comparison extract (credit unions 13.86% vs banks 20.74%). These are national product averages, not an offer for any household.

Combined assets by state, top 8 ($B)

Total assets in billions of dollars. Source: NCUA 5300 Call Report, Q4 2025.

1. CA304B2. VA279B3. TX170B4. NY131B5. FL121B6. MI115B7. WA94B8. NC90B

Source: National Credit Union Administration 5300 Call Report Data · 2025

How to read these numbers

Institution counts, combined assets, member totals, and well-capitalized shares use different denominators. PlainCU publishes vintage-stamped registry totals so readers can cite the extract without treating a ranking as a recommendation. State totals sum filings whose Call Report state code is that jurisdiction. See methodology for how each measure is sourced.

Download the state snapshot: Credit union Call Report statistics CSV (CC BY 4.0).