The Q2 2026 Performance Index Top 100 is not a list of the biggest credit unions. CU Wire's Performance Index ranks eligible credit unions across capital, asset quality, earnings, liquidity, growth and stability. Credit unions of every asset size can qualify when they meet the data-integrity screens.
The list is not pay-to-play. Placement is not sponsored, purchased, nomination-based or tied to a CU Wire Data subscription. Credit unions appear because their reported data clears the methodology; many institutions on the list may not know they are included until after publication.
Based on NCUA Call Report data, the top 10 institutions range from $11.6 million to $1.89 billion in assets. The full Top 100 ranges from $4.5 million to $10.7 billion. Within the Top 100, 62 are below $500 million in assets, and 26 are below $100 million.
The index uses current NCUA 5300 Call Report fields for Q2 2026. Growth is same-quarter year-over-year against Q2 2025; stability uses recent filing history. Eligibility requires a current healthy filing, positive ROA, at least 500 members and reasonable assets per member. The score is not a letter grade, not an NCUA CAMELS rating, not a prediction and not a consumer recommendation.
How the index works
The Performance Index is intentionally hard to max out. The methodology compares institutions inside narrower asset-peer context, treats liquidity as an adequacy band instead of a bigger-is-always-better ratio, checks whether asset quality is supported by meaningful lending activity, and gives earnings more credit when they come from core operations. Capital still matters, but unused capital does not automatically carry the ranking.
The top of the table landed in the high 80s. A mid-80s score is not a B grade; under this methodology, it signals a strong operating profile across measures that often work against one another.
What the leaders have in common
Using those reported fields, the top ten averaged an 87.0 Index Score, 1.77% ROA, a 15.34% net worth ratio, 0.20% delinquency and 0.23% net charge-offs. Average year-over-year growth was 8.60% in assets, 8.06% in loans, 7.63% in shares and 2.84% in members.
Within the same reported data, the group spans seven states: Minnesota, Oregon, and Texas have two each and California, Illinois, Montana, and Virginia have one each. It includes four credit unions below $500 million in assets, and two below $100 million. In the top 25, six credit unions were below $100 million. The highest-ranked sub-$10 million credit union in the recognition set was Erie City Employees Credit Union at No. 86, with an 81.7 Index Score.
The Q2 2026 top 10
- First Community Credit Union, Oregon - 88.6 Index Score. Liquidity and asset quality drove the top rank: 97.9 liquidity, 89.4 asset quality, 0.04% delinquency and 12.14% loan growth. Assets: $1.89 billion; members: 88,962.
- Ravalli County Federal Credit Union, Montana - 88.3 Index Score. The profile combined a 100 liquidity component, 89.9 earnings component and 0.02% delinquency. Assets: $89.4 million; members: 6,327.
- Austin City Employees Credit Union, Minnesota - 88.0 Index Score. The $11.6 million credit union ranked third with a 19.09% net worth ratio, 1.87% ROA, 0.00% delinquency and a 93.4 stability component. Assets: $11.6 million; members: 775.
- Neches Federal Credit Union, Texas - 87.6 Index Score. Neches ranked on growth, with 17.26% loan growth, 17.41% share growth, 4.43% member growth and 2.24% ROA. Assets: $1.23 billion; members: 83,078.
- TruStar Federal Credit Union, Minnesota - 86.7 Index Score. Stability and credit quality carried the profile: 89.9 stability, 87.1 asset quality and 12.77% loan growth. Assets: $376.7 million; members: 19,503.
- DuGood Federal Credit Union, Texas - 86.3 Index Score. DuGood combined clean credit metrics with lending depth: $418.3 million in loans, a 68.64% loans-to-assets ratio, 0.09% delinquency and 0.23% net charge-offs. Assets: $609.4 million; members: 37,923.
- Financial Plus Credit Union, Illinois - 86.3 Index Score. Earnings and liquidity were the base: 89.5 earnings, 98.7 liquidity and 13.23% loan growth. Assets: $607.4 million; members: 46,216.
- Cascade Community Federal Credit Union, Oregon - 86.3 Index Score. Cascade Community's earnings and capital profile stood out, with 89.7 earnings, 98.3 capital, 2.42% ROA and a 17.75% net worth ratio. Assets: $465.1 million; members: 19,835.
- SAFE 1 Credit Union, California - 86.1 Index Score. SAFE 1 paired earnings with capital depth: 89 earnings, a 16.03% net worth ratio and 10.11% loan growth. Assets: $1.16 billion; members: 90,340.
- 1st Advantage Federal Credit Union, Virginia - 85.9 Index Score. 1st Advantage rounded out the top ten with 95.2 earnings, 94 capital, 1.83% ROA and a 16.66% net worth ratio. Assets: $1.09 billion; members: 71,651.
The Q2 2026 Performance Index Top 100
| Rank | Credit union | State | Assets | Members | Score | ROA | NWR | Delinq. | Loan growth |
|---|---|---|---|---|---|---|---|---|---|
| 1 | First Community Credit Union | OR | $1.89B | 88,962 | 88.6 | 1.38% | 13.29% | 0.04% | 12.14% |
| 2 | Ravalli County Federal Credit Union | MT | $89.4M | 6,327 | 88.3 | 1.85% | 13.87% | 0.02% | 0.81% |
| 3 | Austin City Employees Credit Union | MN | $11.6M | 775 | 88.0 | 1.87% | 19.09% | 0.00% | -1.42% |
| 4 | Neches Federal Credit Union | TX | $1.23B | 83,078 | 87.6 | 2.24% | 14.66% | 0.20% | 17.26% |
| 5 | TruStar Federal Credit Union | MN | $377M | 19,503 | 86.7 | 1.44% | 15.42% | 0.36% | 12.77% |
| 6 | DuGood Federal Credit Union | TX | $609M | 37,923 | 86.3 | 1.43% | 13.37% | 0.09% | 8.73% |
| 7 | Financial Plus Credit Union | IL | $607M | 46,216 | 86.3 | 1.51% | 13.24% | 0.45% | 13.23% |
| 8 | Cascade Community Federal Credit Union | OR | $465M | 19,835 | 86.3 | 2.42% | 17.75% | 0.04% | 4.48% |
| 9 | SAFE 1 Credit Union | CA | $1.16B | 90,340 | 86.1 | 1.78% | 16.03% | 0.37% | 10.11% |
| 10 | 1st Advantage Federal Credit Union | VA | $1.09B | 71,651 | 85.9 | 1.83% | 16.66% | 0.45% | 2.47% |
| 11 | C E S Credit Union | OH | $244M | 17,898 | 85.9 | 1.87% | 13.10% | 0.16% | 13.84% |
| 12 | Abilene Teachers Credit Union | TX | $690M | 57,004 | 85.8 | 2.61% | 18.82% | 0.31% | 3.41% |
| 13 | Norstar Credit Union | SD | $78.6M | 2,828 | 85.8 | 1.69% | 15.26% | 0.09% | 13.19% |
| 14 | Cobblestone Country Credit Union | NY | $24.7M | 2,717 | 85.8 | 2.87% | 14.85% | 0.40% | 0.30% |
| 15 | Elko Credit Union | NV | $351M | 18,844 | 85.7 | 2.51% | 13.59% | 0.34% | 5.86% |
| 16 | Dade County Credit Union | FL | $1.54B | 111,518 | 85.6 | 1.72% | 13.09% | 0.31% | 7.32% |
| 17 | Finger Lakes Credit Union | NY | $259M | 19,858 | 85.5 | 1.80% | 15.05% | 0.10% | -0.27% |
| 18 | ServU Credit Union | NY | $529M | 43,851 | 85.4 | 1.34% | 14.79% | 0.47% | 8.92% |
| 19 | Meridia Community Credit Union | NY | $144M | 10,130 | 85.4 | 2.31% | 16.36% | 0.27% | -1.98% |
| 20 | East Texas Professional Credit Union | TX | $1.45B | 104,455 | 85.3 | 1.81% | 19.38% | 0.41% | 5.15% |
| 21 | Medina County Credit Union | OH | $151M | 10,268 | 85.3 | 1.73% | 12.33% | 0.09% | 9.89% |
| 22 | Community First Credit Union | WI | $6.84B | 166,721 | 85.2 | 1.54% | 12.85% | 0.14% | 12.84% |
| 23 | Santa Ana Credit Union | CA | $112M | 5,379 | 85.2 | 1.54% | 13.47% | 0.06% | 9.62% |
| 24 | Sheboygan Area Credit Union | WI | $93.4M | 6,911 | 85.2 | 1.97% | 15.26% | 0.13% | 2.96% |
| 25 | CT Firefighters Credit Union | CT | $34.7M | 2,134 | 85.2 | 1.68% | 11.60% | 0.00% | 12.34% |
| 26 | Redwood Credit Union | CA | $10.7B | 423,257 | 85.1 | 1.40% | 13.26% | 0.72% | 15.07% |
| 27 | Superior Credit Union, Inc. | OH | $1.96B | 101,536 | 84.8 | 1.89% | 15.20% | 0.20% | 10.25% |
| 28 | Blue Eagle Credit Union | VA | $281M | 19,049 | 84.8 | 1.54% | 12.87% | 0.11% | 12.09% |
| 29 | Patterson Credit Union | AR | $38.0M | 3,960 | 84.6 | 2.30% | 17.54% | 0.08% | 5.59% |
| 30 | Monroe Community Credit Union | MI | $406M | 32,051 | 84.4 | 1.50% | 11.43% | 0.20% | 12.94% |
| 31 | Gardiner Credit Union | ME | $101M | 5,546 | 84.1 | 1.88% | 15.92% | 0.12% | 1.13% |
| 32 | Breakwater Credit Union | MI | $138M | 10,420 | 84.0 | 2.16% | 13.68% | 0.32% | -0.07% |
| 33 | Roanoke Valley Community Credit Union | VA | $107M | 9,232 | 84.0 | 1.50% | 16.31% | 0.34% | 2.14% |
| 34 | Tennessee Valley Credit Union | TN | $3.26B | 181,021 | 83.8 | 1.55% | 14.75% | 0.77% | 11.22% |
| 35 | Lion Credit Union | AR | $18.0M | 2,210 | 83.8 | 1.59% | 18.72% | 0.09% | -4.45% |
| 36 | Ohio Catholic Federal Credit Union | OH | $315M | 14,318 | 83.7 | 1.00% | 13.50% | 0.17% | 13.43% |
| 37 | Members' Advantage Credit Union | WI | $185M | 11,153 | 83.7 | 1.83% | 19.23% | 0.21% | 3.12% |
| 38 | Aspire Credit Union | TX | $38.0M | 2,633 | 83.5 | 1.55% | 20.52% | 0.05% | 1.59% |
| 39 | Cambridge Firefighters Credit Union | MA | $14.2M | 865 | 83.5 | 1.70% | 25.82% | 0.27% | 2.25% |
| 40 | Delta Community Credit Union | GA | $9.12B | 547,012 | 83.4 | 1.18% | 12.58% | 0.22% | 13.74% |
| 41 | Sacramento Credit Union | CA | $858M | 31,497 | 83.4 | 1.71% | 15.14% | 0.09% | 8.76% |
| 42 | Consolidated Credit Union | OR | $834M | 38,069 | 83.4 | 1.24% | 15.31% | 0.27% | 12.33% |
| 43 | Western Division Credit Union | NY | $224M | 11,676 | 83.4 | 1.98% | 14.80% | 0.27% | 9.16% |
| 44 | New Jersey Law and Public Safety Credit Union | NJ | $63.9M | 7,360 | 83.4 | 1.73% | 19.65% | 0.31% | -1.42% |
| 45 | Fort Worth City Credit Union | TX | $337M | 16,137 | 83.3 | 1.95% | 13.10% | 0.03% | 6.72% |
| 46 | Sikorsky Financial Credit Union | CT | $1.45B | 67,705 | 83.2 | 1.45% | 12.93% | 0.25% | 5.92% |
| 47 | Eastman Credit Union | TN | $10.2B | 360,016 | 83.1 | 1.98% | 14.87% | 0.31% | 3.68% |
| 48 | Heartland Credit Union | IL | $574M | 35,845 | 83.1 | 1.81% | 13.74% | 0.25% | 3.30% |
| 49 | EECU Credit Union | TX | $4.88B | 307,364 | 83.0 | 1.65% | 12.70% | 0.45% | 14.03% |
| 50 | Grand Altitude Credit Union | WY | $222M | 12,735 | 83.0 | 1.41% | 13.83% | 0.23% | 6.30% |
| 51 | Robins Financial Credit Union | GA | $4.97B | 273,627 | 82.9 | 1.95% | 17.61% | 0.40% | 4.28% |
| 52 | Hastings Credit Union | NE | $52.0M | 5,196 | 82.9 | 2.35% | 20.78% | 0.36% | -3.72% |
| 53 | Tower Credit Union | MD | $5.00B | 222,073 | 82.7 | 1.19% | 14.31% | 0.39% | 6.12% |
| 54 | Healthcare Employees Credit Union | NJ | $137M | 14,931 | 82.7 | 1.75% | 13.58% | 0.62% | 6.89% |
| 55 | Profed Credit Union | IN | $763M | 65,160 | 82.6 | 1.33% | 13.16% | 0.47% | 5.40% |
| 56 | Nizari Progressive Credit Union | TX | $505M | 19,403 | 82.6 | 1.39% | 9.17% | 0.16% | 13.26% |
| 57 | Kellogg Community Credit Union | MI | $1.02B | 50,577 | 82.5 | 1.48% | 16.71% | 0.41% | 3.37% |
| 58 | Multipli Credit Union | MO | $1.47B | 77,048 | 82.4 | 1.41% | 10.59% | 0.31% | 15.39% |
| 59 | Waterbury Connecticut Teachers Credit Union | CT | $365M | 21,965 | 82.4 | 1.64% | 17.05% | 0.26% | 4.08% |
| 60 | Red River Credit Union | OK | $168M | 9,090 | 82.4 | 1.61% | 12.10% | 0.28% | 7.98% |
| 61 | Wvu Employees Credit Union | WV | $67.8M | 6,081 | 82.4 | 2.73% | 22.84% | 0.23% | 8.64% |
| 62 | K V Credit Union | ME | $140M | 10,986 | 82.3 | 1.23% | 12.42% | 0.13% | 4.65% |
| 63 | Members "First" Community Credit Union | IL | $112M | 7,545 | 82.3 | 1.79% | 25.42% | 0.03% | 4.49% |
| 64 | Indianhead Credit Union | WI | $101M | 7,332 | 82.3 | 1.58% | 14.98% | 0.78% | 13.27% |
| 65 | Arcadia Credit Union | WI | $144M | 7,046 | 82.2 | 1.29% | 12.89% | 0.46% | 10.86% |
| 66 | Dynamic Credit Union | OH | $83.4M | 6,320 | 82.2 | 2.34% | 19.80% | 0.37% | 11.44% |
| 67 | Oregon State Credit Union | OR | $2.78B | 160,932 | 82.1 | 1.35% | 11.75% | 0.58% | 13.28% |
| 68 | Tba Credit Union | MI | $390M | 20,828 | 82.1 | 1.21% | 14.79% | 0.42% | 0.58% |
| 69 | Zellco Credit Union | LA | $94.5M | 8,776 | 82.1 | 2.15% | 31.85% | 0.73% | 6.08% |
| 70 | Liberty County Teachers Credit Union | TX | $23.8M | 2,592 | 82.1 | 2.14% | 17.13% | 0.03% | 2.10% |
| 71 | Mission Credit Union | CA | $7.29B | 331,664 | 82.0 | 1.16% | 12.27% | 0.15% | 6.83% |
| 72 | Elevate Credit Union | UT | $260M | 15,277 | 82.0 | 1.87% | 20.93% | 0.24% | 7.74% |
| 73 | Ripple Credit Union | WI | $38.9M | 2,438 | 81.9 | 2.05% | 14.84% | 0.62% | 4.91% |
| 74 | Transcend Credit Union | KY | $588M | 50,984 | 81.8 | 1.21% | 13.37% | 0.13% | 9.99% |
| 75 | Mountain Laurel Credit Union | PA | $174M | 17,873 | 81.8 | 2.26% | 19.68% | 0.08% | 4.92% |
| 76 | Oakdale Credit Union | WI | $132M | 11,414 | 81.8 | 2.33% | 13.35% | 0.00% | -0.26% |
| 77 | Questa Credit Union | NM | $32.6M | 2,129 | 81.8 | 3.27% | 23.28% | 2.08% | 13.44% |
| 78 | Ila 1351 Credit Union | TX | $17.3M | 1,039 | 81.8 | 1.18% | 17.01% | 0.00% | 12.83% |
| 79 | Ascend Credit Union | TN | $4.85B | 271,555 | 81.7 | 1.22% | 14.55% | 0.49% | 5.24% |
| 80 | Tapco Credit Union | WA | $736M | 32,289 | 81.7 | 2.65% | 10.19% | 0.34% | 4.08% |
| 81 | Liberty First Credit Union | NE | $523M | 36,060 | 81.7 | 1.77% | 15.08% | 0.79% | 1.89% |
| 82 | Heritage South Community CU | TN | $362M | 36,500 | 81.7 | 1.90% | 17.08% | 0.75% | 6.01% |
| 83 | Centricity Credit Union | MN | $341M | 21,518 | 81.7 | 2.19% | 13.97% | 0.79% | -0.47% |
| 84 | Tru Fi Credit Union | FL | $146M | 8,118 | 81.7 | 1.77% | 12.61% | 0.60% | 5.23% |
| 86 | Erie City Employees Credit Union | PA | $8.2M | 826 | 81.7 | 1.39% | 22.70% | 0.10% | 2.94% |
| 87 | H E B Credit Union | TX | $218M | 12,171 | 81.6 | 0.95% | 18.31% | 0.19% | 3.26% |
| 88 | Greeneville City Employees' Credit Union | TN | $13.9M | 1,604 | 81.6 | 2.68% | 29.53% | 0.32% | 12.93% |
| 89 | Alcoa Municipal Employees Credit Union | TN | $4.5M | 859 | 81.6 | 1.78% | 18.91% | 0.00% | 5.68% |
| 90 | Tennessee River Credit Union | TN | $16.3M | 1,565 | 81.5 | 1.51% | 33.21% | 0.25% | 0.14% |
| 91 | City of Deer Park Credit Union | TX | $7.3M | 686 | 81.5 | 1.53% | 21.70% | 0.01% | 0.93% |
| 92 | California Coast Credit Union | CA | $3.48B | 211,695 | 81.4 | 1.18% | 13.91% | 0.26% | 4.62% |
| 93 | Upper Cumberland Credit Union | TN | $141M | 9,569 | 81.4 | 1.22% | 9.92% | 0.20% | 21.92% |
| 94 | Fergus Credit Union | MT | $118M | 6,526 | 81.4 | 1.98% | 14.08% | 0.56% | 10.39% |
| 95 | Credit Union One | MI | $1.81B | 107,597 | 81.3 | 1.20% | 11.63% | 0.42% | 11.08% |
| 96 | Settlers Credit Union | MI | $37.8M | 3,991 | 81.3 | 2.29% | 19.67% | 0.79% | 11.35% |
| 97 | Gulf Trust Credit Union | MS | $25.5M | 2,724 | 81.3 | 1.07% | 21.75% | 0.03% | 2.83% |
| 98 | Westconsin Credit Union | WI | $2.25B | 128,032 | 81.2 | 1.12% | 12.95% | 0.64% | 6.24% |
| 99 | Uniwyo Credit Union | WY | $826M | 61,776 | 81.2 | 1.84% | 12.60% | 0.70% | 8.14% |
| 100 | First Peoples Community Credit Union | MD | $666M | 34,982 | 81.2 | 1.16% | 13.61% | 0.53% | 6.59% |
| 101 | Greater Community Credit Union | MN | $297M | 8,631 | 81.2 | 1.69% | 20.72% | 0.48% | 5.41% |
Why this list is different
A size-only ranking can miss operating quality. The Performance Index still rewards strong capital, clean credit, earnings power and growth, but it checks those signals against liquidity, lending depth and concentration. The top credit unions did not all win the same way; their metrics held together across the full operating profile.
Source: CU Wire Data analysis of current NCUA 5300 Call Report and Financial Performance Report fields for Q2 2026. Growth compares Q2 2026 with Q2 2025. The Performance Index is a CU Wire Data methodology, not an NCUA rating.
Reported and drafted with AI assistance, then reviewed against The Credit Union Wire's editorial standards.