Guides
Minority credit unions: who carries the federal flag
Independent site, not the NCUA, a credit union or a bank. General information, not financial advice.
Choose a state to see how many filers carry the minority depository flag, then read the 40 largest and what the definition covers.
Minority depository credit unions by state
Texas: flagged in the file
69
| All filers in the state | 380 |
| Share | 18.2% |
| Nationwide | 454 |
The NCUA defines a minority depository institution as a federally insured credit union in which a majority of the current members, the board and the community it serves belong to eligible minority groups, namely Asian American, including Native Hawaiian and Pacific Islander, Black American, Hispanic American and Native American. The file for June 30, 2026 flags 454 credit unions that way, more than one in ten of all filers. Texas has the most with 69, ahead of California with 40. The flag does not say which group a credit union serves, and we do not guess from a name. So a person looking for a Black-owned credit union, for example, will find the flag useful as a first filter, and will need the credit union’s own page or a call to go further. Joining still depends on its field of membership.
One state at a glance
Hawaii: credit unions based here
45
| Members | 882K |
| Assets | $17.4B |
| Net worth ratio | 10.98% |
| Delinquency | 0.85% |
| Offices in the state | 164 |
Filings read by Radif Partners · Editorial policy · Method and sources
The largest flagged filers
| Credit union | City | Assets | Members | Net worth | Delinq. | Branches | Checks |
|---|---|---|---|---|---|---|---|
| The Golden 1 Credit Union | Sacramento, CA | $22.2B | 1.20M | 9.91% | 0.80% | 64 | 4/5 |
| Municipal Credit Union | New York, NY | $5.18B | 651K | 11.93% | 1.66% | 15 | 4/5 |
| 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 |
| Hawaii State Federal Credit Union (HSFCU) | Honolulu, HI | $2.86B | 140K | 9.98% | 1.07% | 14 | 4/5 |
| Andrews Federal Credit Union | Suitland, MD | $2.69B | 162K | 10.62% | 1.51% | 17 | 4/5 |
| HawaiiUSA Federal Credit Union | Honolulu, HI | $2.67B | 131K | 10.63% | 0.39% | 15 | 4/5 |
| Altura Federal Credit Union (Altura Credit Union) | Riverside, CA | $2.65B | 219K | 11.17% | 0.65% | 23 | 5/5 |
| Self-Help Federal Credit Union (Seaway, a div of SHFCU) | Durham, NC | $2.41B | 147K | 25.18% | 1.01% | 45 | 4/5 |
| Self-Help Credit Union | Durham, NC | $2.17B | 102K | 24.51% | 1.97% | 36 | 3/5 |
| Firstlight Federal Credit Union | El Paso, TX | $1.63B | 97K | 10.33% | 0.48% | 11 | 4/5 |
| San Francisco Federal Credit Union | San Francisco, CA | $1.63B | 52K | 13.63% | 0.15% | 7 | 5/5 |
| Dade County Federal Credit Union | Sweetwater, FL | $1.54B | 112K | 13.09% | 0.31% | 11 | 5/5 |
| Aloha Pacific Federal Credit Union (APFCU) | Honolulu, HI | $1.53B | 71K | 9.81% | 0.50% | 12 | 5/5 |
| Del Norte Credit Union | Santa Fe, NM | $1.51B | 69K | 9.43% | 0.45% | 9 | 5/5 |
| OnPath Federal Credit Union (OnPath Credit Union) | Metairie, LA | $1.47B | 99K | 10.04% | 1.35% | 18 | 4/5 |
| Los Angeles Federal Credit Union | Glendale, CA | $1.29B | 75K | 11.40% | 0.70% | 8 | 3/5 |
| State Employees Credit Union | Santa Fe, NM | $1.29B | 56K | 11.38% | 4.46% | 7 | 4/5 |
| Municipal Empl. Credit Union of Balt (MECU of Baltimore, Inc.) | Baltimore, MD | $1.27B | 91K | 12.97% | 1.66% | 9 | 3/5 |
| First Financial Credit Union | Albuquerque, NM | $1.13B | 100K | 8.12% | 1.40% | 19 | 4/5 |
| Hawaiian Financial Federal Credit Union (HiTel FCU) | Honolulu, HI | $1.13B | 52K | 11.72% | 0.54% | 10 | 4/5 |
| Raiz Federal Credit Union | El Paso, TX | $1.09B | 79K | 10.21% | 0.95% | 11 | 4/5 |
| Latino Community Credit Union | Durham, NC | $1.04B | 124K | 24.23% | 1.81% | 15 | 3/5 |
| University of Hawaii Federal Credit Union (UHFCU Investment Services) | Honolulu, HI | $976M | 36K | 11.43% | 0.30% | 4 | 5/5 |
| First City Credit Union | Altadena, CA | $949M | 58K | 13.52% | 0.58% | 6 | 5/5 |
| Gather Federal Credit Union | Lihue, HI | $934M | 41K | 12.81% | 0.99% | 7 | 4/5 |
| Sun Community Federal Credit Union | El Centro, CA | $896M | 56K | 8.40% | 0.25% | 9 | 4/5 |
| Hope Federal Credit Union (Hope Credit Union) | Jackson, MS | $881M | 50K | 16.18% | 1.96% | 17 | 4/5 |
| IDB Global Federal Credit Union | Washington, DC | $842M | 14K | 12.34% | 0.13% | 1 | 5/5 |
| Caribe Federal Credit Union (Servicio con Calor Humano) | Guaynabo, PR | $800M | 65K | 12.04% | 0.49% | 9 | 5/5 |
| USC Credit Union | Los Angeles, CA | $741M | 74K | 10.28% | 0.73% | 4 | 4/5 |
| Primeway Federal Credit Union (PrimeWay Healthcare Community Credit Union) | Houston, TX | $736M | 49K | 12.81% | 1.33% | 7 | 4/5 |
| Generations Community Federal Credit Union (GFCU) | San Antonio, TX | $735M | 47K | 9.30% | 0.88% | 7 | 3/5 |
| Lokahi Federal Credit Union | Pearl City, HI | $702M | 45K | 9.49% | 0.39% | 6 | 4/5 |
| Rio Grande Credit Union | Albuquerque, NM | $666M | 51K | 9.06% | 0.86% | 7 | 4/5 |
| Securityplus Federal Credit Union | Baltimore, MD | $597M | 36K | 10.35% | 1.45% | 5 | 4/5 |
| Diversified Members Credit Union | Detroit, MI | $589M | 31K | 14.71% | 1.73% | 4 | 3/5 |
| Resource One Credit Union | Dallas, TX | $555M | 63K | 10.43% | 2.33% | 9 | 3/5 |
| Pearl Hawaii Federal Credit Union | Waipahu, HI | $545M | 32K | 10.19% | 0.42% | 6 | 4/5 |
| Coastlife Credit Union | Corpus Christi, TX | $520M | 35K | 11.66% | 0.89% | 9 | 3/5 |
Where they are
| State | Flagged filers | All filers based there | Share |
|---|---|---|---|
| Texas | 69 | 380 | 18.2% |
| California | 40 | 239 | 16.7% |
| Hawaii | 36 | 45 | 80.0% |
| New York | 36 | 268 | 13.4% |
| Illinois | 32 | 188 | 17.0% |
| Louisiana | 26 | 136 | 19.1% |
| New Jersey | 19 | 126 | 15.1% |
| Virginia | 16 | 95 | 16.8% |
| Alabama | 14 | 88 | 15.9% |
| District of Columbia | 13 | 28 | 46.4% |
| Mississippi | 12 | 55 | 21.8% |
| New Mexico | 12 | 37 | 32.4% |
Hawaii stands out, with 36 of its 45 filers flagged, and the District of Columbia is next in proportion at 13 of 28. Other states on the list carry a higher count but a smaller share. The flagged list runs from institutions with billions of dollars in assets to very small ones, and a small filer’s rates can move a long way on a few loans, so read its numbers with that in mind.
What the definition covers
The NCUA’s page on preserving minority depository institutions sets out the three parts of the test and the groups. It is the agency’s definition, used for its program. Our page reproduces the flag and adds nothing of its own, and no credit union pays to be listed or asks us to be left out. Because the file gives the flag at the end of the quarter, a recent change may not show, and a credit union could qualify under the definition without carrying the flag. If it matters to you, ask the credit union.
Using the list
Treat it as you would any other list on this site. First, see if your state has names that fit you. Then read the membership page or call. Next, run the health check, keeping in mind that small credit unions often fail the member test, and sometimes the delinquency one, for reasons unrelated to their safety. The steps for joining are the same as anywhere else. Some members choose one of these for its purpose as well as for its numbers, and the filing can only speak to the numbers.