Credit Union Leaderboards

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

Tier:

State:

Viewing: Cost Spiral

Concern

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

CUs in All Tiers

CUs Nationally

↓ Shrinking

-20 YoY

Most At Risk

Cost Spiral • All tiers

Rank	Credit Union	Pctl
1	MERIDIAN TRUST Community Cheyenne, WY	100.0%
2	ALLSOUTH Mid-Market Columbia, SC	100.0%
3	UNIVERSAL 1 Community Dayton, OH	98.8%
4	ARGENT Community CHESTERFIELD, VA	97.6%
5	MERCO Community Merced, CA	96.3%
6	SHORELINE Community Two Rivers, WI	95.1%
7	OREGONIANS Community Milwaukie, OR	93.9%
8	LEGACY COMMUNITY Community BIRMINGHAM, AL	92.7%
9	NAHEOLA Community Pennington, AL	91.5%
10	WMCU Community Grand Rapids, MI	90.2%
11	ELGA Mid-Market Grand Blanc, MI	90.0%
12	FREEDOM OF MARYLAND Community Bel Air, MD	89.0%
13	LOYALTY Community Pensacola, FL	87.8%
14	ABBEY Community Vandalia, OH	86.6%
15	WHITE EAGLE Community Augusta, KS	85.4%
16	TORRANCE COMMUNITY Community Torrance, CA	84.2%
17	GREAT BASIN Community Reno, NV	82.9%
18	SHREWSBURY Community SHREWSBURY, MA	81.7%
19	HIBBING COOPERATIVE Community Hibbing, MN	80.5%
20	FIRST COMMONWEALTH Mid-Market Lehigh Valley, PA	80.0%
21	VIDA Community Ontario, CA	79.3%
22	AURGROUP Community Fairfield, OH	78.0%
23	ALASKA AIR GROUP Community SEATAC, WA	76.8%
24	MIDSOUTH COMMUNITY Community Macon, GA	75.6%
25	CENTURY Community SAINT LOUIS, MO	74.4%

Least Affected

Cost Spiral • All tiers

Rank	Credit Union	Pctl
1	BLUE COAST Community Perry, FL	0.0%
2	FORT WORTH COMMUNITY Mid-Market Bedford, TX	0.0%
3	NORTH IOWA COMMUNITY Community MASON CITY, IA	1.2%
4	PASADENA Community Pasadena, CA	2.4%
5	CODE Community Dayton, OH	3.7%
6	LENCO Community Adrian, MI	4.9%
7	CHESSIE Community CUMBERLAND, MD	6.1%
8	BRONCO Community FRANKLIN, VA	7.3%
9	802 Community Barre, VT	8.5%
10	ALABAMA STATE EMPLOYEES Community Montgomery, AL	9.8%
11	SAN FRANCISCO Mid-Market San Francisco, CA	10.0%
12	COOSA VALLEY Community Rome, GA	11.0%
13	UNITED Community Mexico, MO	12.2%
14	METRO Community Springfield, MO	13.4%
15	GREATER PITTSBURGH POLICE Community Pittsburgh, PA	14.6%
16	FIRST CITIZENS' Community FAIRHAVEN, MA	15.8%
17	MOCSE Community Modesto, CA	17.1%
18	COMMUNITY ONE CREDIT UNION OF OHIO Community North Canton, OH	18.3%
19	SAN ANTONIO CITIZENS Community San Antonio, FL	19.5%
20	COBALT Mid-Market Papillion, NE	20.0%
21	GREATER WOODLAWN Community BLASDELL, NY	20.7%
22	WORCESTER Community Worcester, MA	21.9%
23	FINANCIAL TRUST Community Cheektowaga, NY	23.2%
24	THE HEALTH & EDUCATION Community Lexington, KY	24.4%
25	MYGEORGIA Community Gainesville, GA	25.6%