Guides
NCUA insured? How to tell if a credit union is covered
Independent site, not the NCUA, a credit union or a bank. General information, not financial advice.
Pick a state and a credit union: the tool reads the insurance type in its filing. Then confirm with the sign at the branch and with the NCUA.
Is my credit union insured, and how does its filing read?
Navy Federal Credit Union: federal share insurance
Federally insured
Our data checks passed: 4 of 5
- Yes: Federally insuredFederal charter, federally insured
- Yes: Net worth ratio of 7% or more11.65%: well capitalized on this ratio
- No: Delinquency at or under the size-group median1.58% against 0.68% for assets of $500 million or more
- Yes: Positive earnings this year$2,824,330,854 a year at the year-to-date pace, 1.38% of assets
- Yes: Members not falling over 12 months+5.18% since 2025-06-30, mergers included
NCUA Call Report, June 30, 2026. Our checks, not an NCUA rating, and not advice. Confirm insurance in the NCUA Credit Union Locator. Everything you enter stays in this browser: nothing is sent or stored.
A credit union is NCUA insured when its shares are covered by the National Credit Union Share Insurance Fund, which protects up to $250,000 per owner, per credit union, per ownership category and is backed by the full faith and credit of the United States. Of the 4,299 filers in the file for June 30, 2026, 4,214 are federally insured: all 2,649 federal credit unions and 1,565 state-chartered ones. The other 85 are state charters without federal insurance. Three checks settle it: the insurance type in the filing, which the tool above shows; the official NCUA sign, which an insured credit union must display; and the NCUA’s Credit Union Locator. Insurance is a separate question from how healthy a credit union is, and it stops at the limit.
What share of a state’s filers is federally insured?
Ohio: federally insured
157 of 192
| Federal charter | 105 |
| State charter, federally insured | 52 |
| State charter, not federally insured | 35 |
Not federally insured means private or no share insurance: ask the credit union which.
Filings read by Radif Partners · Editorial policy · Method and sources
Three ways to check
The filing. Every credit union reports its insurance type in the Call Report. The tool above reads the June file, and each state table has a checks column. It is the same record that the NCUA holds, as of the end of the quarter.
The sign. Federally insured credit unions must prominently display the official NCUA sign at each teller station where insured deposits are normally received. If you cannot see it, ask. A claim of “insured” is not the same as “federally insured”.
The NCUA. The agency’s share insurance pages point to its Credit Union Locator, where you can confirm a name. We could not open that locator when we prepared this page on November 2, 2026, as it timed out. Try it yourself, or call the agency, for anything that depends on the answer.
What the fund is
The National Credit Union Share Insurance Fund was created by Congress in 1970. The NCUA, an independent federal agency, administers it, and it carries the full faith and credit of the United States. Coverage is automatic at an insured credit union: there is no form and no separate fee to you. The agency’s coverage page sets out each category, and our calculator adds up your balances against them.
By the numbers
| Type in the file | Filers | Share of filers |
|---|---|---|
| Federal charter, federally insured | 2,649 | 61.6% |
| State charter, federally insured | 1,565 | 36.4% |
| State charter, not federally insured | 85 | 2.0% |
The 85 that are not federally insured hold $23.8B for 1.28M members. They are a small part of the total, though several hold more than a billion dollars. We list them in privately insured credit unions, by name and state, and the mini-tool above gives the count for any state.
Reading “insured” carefully
Federal insurance is the fact to confirm, because the word “insured” on a page might refer to private cover. It does not make the institution better or worse in other ways, and its health is a separate question for the health check. It also does not protect anything above the limit, so if you are near it, count by ownership category. And if your credit union is merging, recount: the grace period is six months.