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	GOLDENWEST Mid-Market Ogden, UT
2	LIBERTY Mid-Market Evansville, IN
3	AMERICAN FIRST Mid-Market BREA, CA
4	ONEAZ Mid-Market Phoenix, AZ
5	DEL-ONE Community Dover, DE
6	COREPLUS Community Norwich, CT
7	L & N Mid-Market Louisville, KY
8	CAPITAL Community Bismarck, ND
9	ALTRA Mid-Market ONALASKA, WI
10	VERIDIAN Large Waterloo, IA
11	HERITAGE FAMILY Community Rutland, VT
12	GFA Community Gardner, MA
13	MAGNIFI FINANCIAL Mid-Market MELROSE, MN
14	FRONTWAVE Mid-Market Oceanside, CA
15	COMMUNITY CHOICE Community JOHNSTON, IA
16	COVANTAGE Mid-Market Antigo, WI
17	DAY AIR Community Kettering, OH
18	INTERRA Mid-Market Goshen, IN
19	UNIFY FINANCIAL Large Manhattan Beach, CA
20	ARKANSAS Mid-Market Little Rock, AR
21	SUPERIOR CREDIT UNION, INC Mid-Market LIMA, OH
22	UNIVERSITY OF WISCONSIN Large Madison, WI
23	ROGUE Mid-Market Medford, OR
24	TAPCO Community Fircrest, WA
25	ADVIA Mid-Market Kalamazoo, MI

Most Concerns

All tiers

Rank	Credit Union
1	CIVIC Mid-Market RALEIGH, NC
2	FIRST CITIZENS' Community FAIRHAVEN, MA
3	VELOCITY Mid-Market Austin, TX
4	SUNMARK Mid-Market Albany, NY
5	COMMONWEALTH ONE Community ALEXANDRIA, VA
6	VALLEYSTAR Community Martinsville, VA
7	SHARONVIEW Mid-Market Fort Mill, SC
8	DEPARTMENT OF COMMERCE Community Washington, DC
9	CAPITAL EDUCATORS Mid-Market MERIDIAN, ID
10	CARTER Community SPRINGHILL, LA
11	JSC Mid-Market Houston, TX
12	RAIZ Mid-Market EL PASO, TX
13	INSIGHT Community WINTER SPRINGS, FL
14	BLUPEAK Mid-Market San Diego, CA
15	LAFCU Mid-Market LANSING, MI
16	MERIWEST Mid-Market SAN JOSE, CA
17	FORT WORTH COMMUNITY Mid-Market Bedford, TX
18	CITY Community DALLAS, TX
19	FARMERS INSURANCE Mid-Market Los Angeles, CA
20	RESOURCE ONE Community Dallas, TX
21	COLLINS COMMUNITY Mid-Market Cedar Rapids, IA
22	HOMELAND Community CHILLICOTHE, OH
23	FINANCIAL RESOURCES Community Branchburg, NJ
24	THE SOUTHERN Community Fayetteville, GA
25	CITY OF BOSTON Community South Boston, MA

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)