Guides
Largest credit unions in the US: the top 100
Independent site, not the NCUA, a credit union or a bank. General information, not financial advice.
By assets, from the federal file, with each one’s cushion and late loans. Use the tool to see who leads your own state.
How much of the state do the three largest hold?
North Carolina: top 3 share of assets
78.1%
| Largest | State Employees' Credit Union |
| Its share | 65.2% |
| At $1 billion or more | 10 |
| Under $50 million | 20 |
The largest credit union in the United States is Navy Federal Credit Union, with $204.4B in assets and 15.52M members on June 30, 2026, more than three times State Employees' Credit Union, the second largest, at $60.0B. Ten credit unions hold 19.2% of the assets of all federally insured credit unions, and the top hundred hold 48.3%, leaving a little over half for the other four thousand or so. Reaching the list takes $4.74B. Size says what an institution can afford to run, such as a national branch network or a large app team. It does not say that you can join, because most of these names still have a field of membership, and it says little about late loans, which can be higher at the top than the national rate.
One state at a glance
Texas: credit unions based here
380
| Members | 10.40M |
| Assets | $163.5B |
| Net worth ratio | 12.02% |
| Delinquency | 0.94% |
| Offices in the state | 1,601 |
Filings read by Radif Partners · Editorial policy · Method and sources
The top 100 by assets
| Credit union | City | Assets | Members | Net worth | Delinq. | Branches | Checks |
|---|---|---|---|---|---|---|---|
| Navy Federal Credit Union | Vienna, VA | $204.4B | 15.52M | 11.65% | 1.58% | 388 | 4/5 |
| State Employees' Credit Union (SECU) | Raleigh, NC | $60.0B | 3.00M | 10.12% | 2.38% | 275 | 4/5 |
| SchoolsFirst Federal Credit Union (SchoolsFirst FCU) | Tustin, CA | $37.2B | 1.58M | 9.51% | 0.91% | 73 | 4/5 |
| Boeing Employees Credit Union (BECU) | Tukwila, WA | $29.6B | 1.59M | 12.57% | 0.42% | 70 | 5/5 |
| Pentagon Federal Credit Union | McLean, VA | $29.2B | 2.75M | 10.72% | 1.07% | 38 | 3/5 |
| First Technology Federal Credit Union (DCU) | San Jose, CA | $27.9B | 1.87M | 10.75% | 1.61% | 60 | 4/5 |
| America First Federal Credit Union (Meadows Financial a division of America First) | Riverdale, UT | $26.0B | 1.59M | 11.80% | 1.45% | 123 | 4/5 |
| Mountain America Federal Credit Union (Mountain America Credit Union) | Sandy, UT | $22.9B | 1.46M | 9.55% | 1.30% | 105 | 4/5 |
| The Golden 1 Credit Union | Sacramento, CA | $22.2B | 1.20M | 9.91% | 0.80% | 64 | 4/5 |
| Suncoast Credit Union | Tampa, FL | $20.8B | 1.41M | 10.12% | 0.92% | 80 | 4/5 |
| Alliant Credit Union | Chicago, IL | $20.0B | 953K | 9.17% | 0.81% | 0 | 4/5 |
| Randolph-Brooks Federal Credit Union (RBFCU) | Live Oak, TX | $19.6B | 1.15M | 13.42% | 1.27% | 70 | 3/5 |
| Wings Credit Union (Ent) | Colorado Springs, CO | $19.4B | 958K | 11.84% | 0.64% | 96 | 5/5 |
| Lake Michigan Credit Union (LMCU) | Caledonia, MI | $17.3B | 537K | 11.27% | 0.35% | 75 | 5/5 |
| Idaho Central Credit Union | Chubbuck, ID | $15.5B | 822K | 8.33% | 0.46% | 66 | 5/5 |
| FourLeaf Federal Credit Union (FourLeaf Financial Group) | Bethpage, NY | $14.4B | 527K | 9.12% | 2.23% | 45 | 4/5 |
| Security Service Federal Credit Union | San Antonio, TX | $14.4B | 721K | 11.26% | 1.03% | 71 | 3/5 |
| VyStar Credit Union (VyStar Title Agency LLC) | Jacksonville, FL | $14.3B | 1.02M | 8.93% | 1.25% | 98 | 3/5 |
| Global Federal Credit Union | Anchorage, AK | $13.0B | 809K | 9.70% | 1.42% | 77 | 4/5 |
| GreenState Credit Union | North Liberty, IA | $10.9B | 359K | 9.03% | 1.24% | 34 | 3/5 |
| ESL Federal Credit Union | Rochester, NY | $10.8B | 486K | 16.40% | 0.90% | 33 | 4/5 |
| Redwood Credit Union | Santa Rosa, CA | $10.7B | 423K | 13.26% | 0.72% | 21 | 4/5 |
| United Nations Federal Credit Union (UNFCU) | Long Island City, NY | $10.7B | 267K | 9.78% | 0.28% | 3 | 5/5 |
| Police & Fire Federal Credit Union (PFFCU) | Philadelphia, PA | $10.2B | 432K | 18.56% | 0.24% | 17 | 4/5 |
| Eastman Credit Union | Kingsport, TN | $10.2B | 360K | 14.87% | 0.31% | 30 | 5/5 |
| Teachers Federal Credit Union | Hauppauge, NY | $9.92B | 487K | 11.03% | 1.19% | 34 | 4/5 |
| Desert Financial Credit Union (None) | Phoenix, AZ | $9.89B | 518K | 12.10% | 0.47% | 50 | 5/5 |
| MidFlorida Credit Union | Lakeland, FL | $9.79B | 500K | 10.69% | 0.46% | 69 | 5/5 |
| Patelco Credit Union | Dublin, CA | $9.77B | 542K | 10.49% | 1.03% | 35 | 4/5 |
| Star One Credit Union | Sunnyvale, CA | $9.70B | 134K | 14.06% | 0.13% | 6 | 5/5 |
| Logix Federal Credit Union | Valencia, CA | $9.69B | 246K | 15.67% | 1.08% | 18 | 3/5 |
| Pennsylvania State Employees Credit Union | Harrisburg, PA | $9.65B | 547K | 11.85% | 0.75% | 14 | 3/5 |
| Wright-Patt Credit Union, Inc. | Beavercreek, OH | $9.55B | 527K | 11.32% | 1.10% | 39 | 3/5 |
| San Diego County Credit Union (SDCCU.com) | San Diego, CA | $9.55B | 403K | 19.82% | 0.20% | 39 | 4/5 |
| OnPoint Community Credit Union (OnPoint Insurance Services) | Portland, OR | $9.53B | 662K | 15.00% | 0.98% | 60 | 4/5 |
| American Airlines Federal Credit Union | Fort Worth, TX | $9.50B | 375K | 11.68% | 0.60% | 45 | 4/5 |
| Broadview Federal Credit Union | Albany, NY | $9.36B | 517K | 9.00% | 0.80% | 60 | 4/5 |
| Veridian Credit Union | Waterloo, IA | $9.15B | 380K | 11.57% | 0.67% | 34 | 5/5 |
| Space Coast Credit Union (SCCU) | Melbourne, FL | $9.15B | 705K | 11.41% | 0.80% | 71 | 4/5 |
| Delta Community Credit Union | Atlanta, GA | $9.12B | 547K | 12.58% | 0.22% | 34 | 5/5 |
| CommunityAmerica Federal Credit Union (Western) | Lenexa, KS | $9.02B | 595K | 9.94% | 2.68% | 78 | 4/5 |
| Michigan State University Federal Credit Union (Oakland University Credit Union) | East Lansing, MI | $8.87B | 406K | 8.96% | 1.24% | 38 | 4/5 |
| Members 1st Federal Credit Union | Enola, PA | $8.66B | 634K | 15.13% | 0.73% | 60 | 4/5 |
| Redstone Federal Credit Union | Huntsville, AL | $8.59B | 539K | 13.86% | 0.70% | 46 | 3/5 |
| Bellco Credit Union | Greenwood Village, CO | $8.55B | 361K | 10.25% | 1.47% | 30 | 3/5 |
| Summit Credit Union | Cottage Grove, WI | $8.52B | 282K | 10.34% | 0.65% | 57 | 5/5 |
| Citizens Equity First Credit Union (CEFCU) | Peoria, IL | $8.50B | 424K | 11.65% | 0.96% | 35 | 4/5 |
| Hudson Valley Federal Credit Union (HVCU) | Poughkeepsie, NY | $8.05B | 391K | 10.56% | 0.60% | 41 | 4/4 |
| DFCU Financial Credit Union | Dearborn, MI | $8.04B | 243K | 12.63% | 0.63% | 39 | 5/5 |
| Landmark Credit Union | Brookfield, WI | $7.91B | 408K | 10.67% | 0.42% | 36 | 5/5 |
| Virginia Federal Credit Union | North Chesterfield, VA | $7.37B | 480K | 10.90% | 1.05% | 39 | 3/5 |
| Mission Federal Credit Union (MissionFed.com) | San Diego, CA | $7.29B | 332K | 12.27% | 0.15% | 34 | 5/5 |
| Bank Fund Staff Federal Credit Union (BFSFCU) | Washington, DC | $7.06B | 105K | 13.64% | 0.42% | 4 | 5/5 |
| Citadel Federal Credit Union | Exton, PA | $6.87B | 291K | 9.31% | 0.33% | 25 | 5/5 |
| Community First Credit Union | Neenah, WI | $6.84B | 167K | 12.85% | 0.14% | 30 | 5/5 |
| Gesa Credit Union (Gesa to Go) | Richland, WA | $6.82B | 323K | 9.32% | 0.84% | 46 | 4/5 |
| Kinecta Federal Credit Union | Manhattan Beach, CA | $6.77B | 226K | 8.68% | 0.46% | 24 | 4/5 |
| University of Wisconsin Credit Union (UW Credit Union) | Madison, WI | $6.72B | 397K | 9.21% | 0.48% | 38 | 5/5 |
| Service Federal Credit Union | Portsmouth, NH | $6.70B | 389K | 11.89% | 2.60% | 52 | 4/5 |
| Wescom Central Credit Union (Wescom Credit Union) | Pasadena, CA | $6.60B | 265K | 7.90% | 0.43% | 30 | 5/5 |
| Genisys Credit Union | Auburn Hills, MI | $6.56B | 297K | 15.47% | 1.09% | 34 | 4/5 |
| Baxter Credit Union (bcu) | Vernon Hills, IL | $6.40B | 372K | 10.25% | 0.86% | 42 | 4/5 |
| Spokane Teachers Credit Union (STCU) | Liberty Lake, WA | $6.38B | 314K | 10.38% | 1.39% | 53 | 4/5 |
| Coastal Federal Credit Union (Daymark Realty) | Raleigh, NC | $6.23B | 348K | 9.86% | 0.66% | 21 | 5/5 |
| Tinker Federal Credit Union (Tinker FCU) | Oklahoma City, OK | $6.12B | 488K | 14.72% | 0.63% | 33 | 5/5 |
| TruStone Financial Credit Union | Plymouth, MN | $6.09B | 221K | 10.99% | 0.78% | 24 | 4/5 |
| Royal Credit Union | Eau Claire, WI | $5.91B | 343K | 10.83% | 0.43% | 56 | 5/5 |
| Travis Credit Union | Vacaville, CA | $5.85B | 274K | 10.44% | 0.67% | 24 | 5/5 |
| State Employees CU of Maryland, Inc. (SECU Credit Union) | Linthicum, MD | $5.83B | 274K | 10.43% | 0.86% | 24 | 4/5 |
| NASA Federal Credit Union | Upper Marlboro, MD | $5.80B | 239K | 10.49% | 0.53% | 13 | 4/5 |
| Everwise Credit Union | South Bend, IN | $5.78B | 300K | 9.11% | 0.91% | 51 | 4/5 |
| State Farm Federal Credit Union | Bloomington, IL | $5.71B | 113K | 13.03% | 0.31% | 1 | 4/5 |
| Apple Federal Credit Union | Fairfax, VA | $5.68B | 268K | 10.93% | 0.56% | 25 | 4/5 |
| Langley Federal Credit Union | Newport News, VA | $5.62B | 409K | 9.25% | 1.32% | 22 | 4/5 |
| Truliant Federal Credit Union (Truliant Mortgage Services) | Winston Salem, NC | $5.62B | 329K | 10.56% | 0.90% | 41 | 3/5 |
| Visions Federal Credit Union | Endwell, NY | $5.53B | 253K | 10.00% | 0.89% | 60 | 4/5 |
| California Federal Credit Union (North Island Credit Union) | Glendale, CA | $5.43B | 215K | 9.41% | 0.44% | 25 | 4/4 |
| Educational Employees Credit Union (EECU) | Fresno, CA | $5.37B | 400K | 14.58% | 0.20% | 22 | 5/5 |
| Chevron Federal Credit Union (Spectrum Credit Union) | Concord, CA | $5.36B | 139K | 12.38% | 0.38% | 21 | 5/5 |
| American Heritage Federal Credit Union (American Heritage Credit Union) | Philadelphia, PA | $5.36B | 331K | 8.54% | 1.23% | 38 | 4/5 |
| Fairwinds Credit Union | Orlando, FL | $5.34B | 258K | 11.17% | 0.46% | 31 | 5/5 |
| Knoxville TVA Employees Credit Union | Knoxville, TN | $5.32B | 309K | 11.16% | 0.34% | 24 | 5/5 |
| Keesler Federal Credit Union | Biloxi, MS | $5.30B | 397K | 12.81% | 1.04% | 55 | 4/5 |
| Canvas Credit Union | Lone Tree, CO | $5.29B | 335K | 9.53% | 1.14% | 35 | 4/5 |
| Founders Federal Credit Union | Lancaster, SC | $5.20B | 294K | 13.62% | 0.68% | 47 | 5/5 |
| Municipal Credit Union | New York, NY | $5.18B | 651K | 11.93% | 1.66% | 15 | 4/5 |
| Washington State Employees Credit Union (One Washington Financial LLC) | Olympia, WA | $5.09B | 323K | 9.89% | 0.80% | 28 | 4/5 |
| Affinity Plus Federal Credit Union | Saint Paul, MN | $5.05B | 303K | 8.78% | 0.57% | 36 | 5/5 |
| First Community Credit Union | Chesterfield, MO | $5.04B | 344K | 8.62% | 0.54% | 42 | 4/5 |
| Nusenda Federal Credit Union (Nusenda Credit Union) | Albuquerque, NM | $5.02B | 299K | 9.20% | 0.79% | 34 | 4/5 |
| Texas Dow Employees Credit Union | Houston, TX | $5.02B | 403K | 10.17% | 1.77% | 33 | 4/5 |
| Tower Federal Credit Union | Laurel, MD | $5.00B | 222K | 14.31% | 0.39% | 17 | 4/5 |
| Robins Financial Credit Union | Warner Robins, GA | $4.97B | 274K | 17.61% | 0.40% | 23 | 5/5 |
| ORNL Federal Credit Union | Oak Ridge, TN | $4.97B | 235K | 11.01% | 0.62% | 31 | 5/5 |
| EECU Credit Union | Fort Worth, TX | $4.88B | 307K | 12.70% | 0.45% | 22 | 5/5 |
| Ascend Federal Credit Union | Tullahoma, TN | $4.85B | 272K | 14.55% | 0.49% | 27 | 5/5 |
| Blaze Credit Union | Falcon Heights, MN | $4.85B | 258K | 8.76% | 1.02% | 29 | 4/5 |
| Liberty Federal Credit Union (First Liberty Financial Mortgage) | Evansville, IN | $4.84B | 265K | 10.92% | 0.45% | 36 | 5/5 |
| Rally Credit Union | Corpus Christi, TX | $4.78B | 242K | 14.02% | 0.75% | 22 | 4/5 |
| GECU Federal Credit Union | El Paso, TX | $4.74B | 441K | 13.61% | 1.00% | 24 | 4/5 |
What the ranking does and does not show
This is an order by assets, and nothing else. The file can hide a change of identity: the charter now filing as First Technology, in California, filed a year ago as Digital Federal Credit Union, in Massachusetts. Read the members figure against assets. Read the net worth ratio as a cushion, knowing that credit unions above $500 million also fall under a risk-based test that this table does not show.
Several of the largest are rooted in a single employer or service. Navy Federal’s page limits membership to the armed forces, the Defense Department, veterans and their families. Others have spread far from the name on the door, as our list of read membership rules shows. Where we could not read a rule on the credit union’s own page, we say so.
Where the largest are based
Size clusters. California has 15 of the top hundred, Texas 7, Washington 4. A few states have a dominant name: the tool above shows how much of a state’s total the top three hold. Virginia, North Carolina and Alaska stand out, while Maine has the most even field. On any state page the table shows the state’s largest, which are usually the ones a person living there can actually join.