Industry Rankings

CU Wrapped 2025

Credit Union Leaderboards

See who's leading and who's falling behind across the credit union industry

Tier:

All Community Mid-Market Large Titans

State:

Most Strengths

All tiers

Rank	Credit Union
1	CREDIT UNION 1 Mid-Market Lombard, IL
2	SOOPER CU DBA CLIMB CU Community ARVADA, CO
3	COMMUNITY CHOICE Community JOHNSTON, IA
4	AMERICAN FIRST Mid-Market BREA, CA
5	FRONTIER Community Idaho Falls, ID
6	FOX COMMUNITIES Mid-Market Appleton, WI
7	ENT Titans Colorado Spring, CO
8	ONEAZ Mid-Market Phoenix, AZ
9	GFA Community Gardner, MA
10	WASATCH PEAKS Community OGDEN, UT
11	ARKANSAS Mid-Market Little Rock, AR
12	CORPORATE AMERICA FAMILY Community Elgin, IL
13	GREENWOOD Community Warwick, RI
14	COREPLUS Community Norwich, CT
15	DEL-ONE Community Dover, DE
16	EECU Mid-Market Fort Worth, TX
17	ALLIANCE CATHOLIC Community Farmington Hill, MI
18	HEARTLAND Community HUTCHINSON, KS
19	NAVIGANT Mid-Market Smithfield, RI
20	EMBERS Community Marquette, MI
21	LIBERTY Mid-Market Evansville, IN
22	FREEDOM NORTHWEST Community KAMIAH, ID
23	TENNESSEE VALLEY Mid-Market Chattanooga, TN
24	DESERT FINANCIAL Large Phoenix, AZ
25	Y-12 Mid-Market Oak Ridge, TN

Most Concerns

All tiers

Rank	Credit Union
1	CIVIC Mid-Market RALEIGH, NC
2	LAFAYETTE Mid-Market ROCKVILLE, MD
3	UNITED STATES SENATE Mid-Market Alexandria, VA
4	WASHINGTON STATE EMPLOYEES Large OLYMPIA, WA
5	FORT WORTH COMMUNITY Mid-Market Bedford, TX
6	CAROLINAS TELCO Community Charlotte, NC
7	VALLEYSTAR Community Martinsville, VA
8	EMBOLD Community Oregon City, OR
9	FEDEX EMPLOYEES CREDIT ASSOCIATION Community Memphis, TN
10	CITY OF BOSTON Community South Boston, MA
11	THE SOUTHERN Community Fayetteville, GA
12	SUNMARK Mid-Market Albany, NY
13	TELHIO Mid-Market Columbus, OH
14	FIRST U.S. COMMUNITY Community Sacramento, CA
15	FIRST CITIZENS' Community FAIRHAVEN, MA
16	KINETIC Community Columbus, GA
17	VELOCITY Mid-Market Austin, TX
18	NORTHROP GRUMMAN Mid-Market Gardena, CA
19	BRAZOS VALLEY SCHOOLS Mid-Market Katy, TX
20	COLLINS COMMUNITY Mid-Market Cedar Rapids, IA
21	U.S. EAGLE Mid-Market Albuquerque, NM
22	4FRONT Mid-Market Traverse City, MI
23	MCCOY Mid-Market ORLANDO, FL
24	RIO GRANDE Community Albuquerque, NM
25	CONNEXUS Mid-Market Wausau, WI

Explore by Dimension

Signatures

Growth & Performance

Credit Quality Leader Emerging Performer Organic Growth Engine Organic Growth Leader Profitability Leader Relationship Depth Leader Wallet Share Momentum

Risk & Quality

Capital Constraint Cost Spiral Credit Quality Pressure Credit Risk Growth Efficiency Drag Flatlined Growth Indirect Auto Dependency Liquidity Overhang Liquidity Strain Stagnation Risk

Decline Indicators

Accelerating Exit Risk Deposit Outflow Institutional Decline Margin Compression Membership Headwinds Shrinking Wallet Share Wealth Migration Risk

Metrics

Growth

Asset Growth (YoY) (Absolute) Average Member Relationship Growth (YoY) (Absolute) Deposit Growth (YoY) (Absolute) Loan Growth (YoY) (Absolute) Member Growth (YoY) (Absolute)

Profitability

Efficiency Ratio (Absolute) Efficiency Ratio (QoQ Change) Efficiency Ratio (YoY Change) Fee Income Per Member (Absolute) Fee Income Per Member (QoQ Change) Fee Income Per Member (YoY Change) Net Interest Margin (NIM) (Absolute) Net Interest Margin (NIM) (QoQ Change) Net Interest Margin (NIM) (YoY Change) Return on Assets (ROA) (Absolute) Return on Assets (ROA) (QoQ Change) Return on Assets (ROA) (YoY Change)

Member Engagement

Average Member Relationship (AMR) (Absolute) Average Member Relationship (AMR) (QoQ Change) Average Member Relationship (AMR) (YoY Change) Loan-to-Member Ratio (LMR) (Absolute) Loan-to-Member Ratio (LMR) (QoQ Change) Loan-to-Member Ratio (LMR) (YoY Change) Members Per Employee (MPE) (Absolute) Members Per Employee (MPE) (QoQ Change) Members Per Employee (MPE) (YoY Change) Total Members (Absolute) Total Members (QoQ Change) Total Members (YoY Change)

Balance Sheet

First Mortgage Concentration (%) (Absolute) First Mortgage Concentration (%) (QoQ Change) First Mortgage Concentration (%) (YoY Change) Indirect Auto Concentration (%) (Absolute) Indirect Auto Concentration (%) (QoQ Change) Indirect Auto Concentration (%) (YoY Change) Loan-to-Share Ratio (Absolute) Loan-to-Share Ratio (QoQ Change) Loan-to-Share Ratio (YoY Change) Share Certificate Concentration (%) (Absolute) Share Certificate Concentration (%) (QoQ Change) Share Certificate Concentration (%) (YoY Change) Total Assets (Absolute) Total Assets (QoQ Change) Total Assets (YoY Change) Total Deposits (Absolute) Total Deposits (QoQ Change) Total Deposits (YoY Change) Total Loans (Absolute) Total Loans (QoQ Change) Total Loans (YoY Change)

Risk

Net Charge-Off Rate (Absolute) Net Charge-Off Rate (QoQ Change) Net Charge-Off Rate (YoY Change) Net Worth Ratio (Absolute) Net Worth Ratio (QoQ Change) Net Worth Ratio (YoY Change) Total Delinquency Rate (60+ days) (Absolute) Total Delinquency Rate (60+ days) (QoQ Change) Total Delinquency Rate (60+ days) (YoY Change)