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.

106

CUs in All Tiers

106

CUs Nationally

↑ Growing

+16 YoY

Most At Risk

Cost Spiral • All tiers

Rank	Credit Union	Pctl
1	UNIVERSAL 1 Community Dayton, OH	100.0%
2	SAN DIEGO COUNTY Large San Diego, CA	100.0%
3	ELGA Mid-Market Grand Blanc, MI	100.0%
4	CORAZO Community El Centro, CA	98.9%
5	EXTRA Community WARREN, MI	97.9%
6	MERIDIAN TRUST Community Cheyenne, WY	96.8%
7	SHORELINE Community Two Rivers, WI	95.7%
8	MERCO Community Merced, CA	94.7%
9	MAGNOLIA Community Jackson, MS	93.6%
10	WEST VIRGINIA CENTRAL Community Parkersburg, WV	92.5%
11	ST. CLOUD FINANCIAL Community Sartell, MN	91.5%
12	COMMUNITY ONE CREDIT UNION OF OHIO Community North Canton, OH	90.4%
13	OUR COMMUNITY Community Shelton, WA	89.4%
14	CENLA Community Alexandria, LA	88.3%
15	HOME TOWN Community Owatonna, MN	87.2%
16	CENTURY Community SAINT LOUIS, MO	86.2%
17	ADDITION FINANCIAL Mid-Market Lake Mary, FL	85.7%
18	OREGONIANS Community Milwaukie, OR	85.1%
19	ARGENT Community CHESTERFIELD, VA	84.0%
20	HIBBING COOPERATIVE Community Hibbing, MN	83.0%
21	WICHITA Community Wichita, KS	81.9%
22	AMERICAN BROADCAST EMPLOYEES Community Rockville Centr, NY	80.8%
23	LEGACY COMMUNITY Community BIRMINGHAM, AL	79.8%
24	SHREWSBURY Community SHREWSBURY, MA	78.7%
25	GENESEE VALLEY Community GENESEO, NY	77.7%

Least Affected

Cost Spiral • All tiers

Rank	Credit Union	Pctl
1	NORTH IOWA COMMUNITY Community MASON CITY, IA	0.0%
2	KEESLER Large BILOXI, MS	0.0%
3	1ST UNITED Mid-Market Pleasanton, CA	0.0%
4	COMPASS Community Oswego, NY	1.1%
5	INDIANA STATE UNIVERSITY Community Terre Haute, IN	2.1%
6	CHAMPIONS FIRST Community Tallahassee, FL	3.2%
7	SAINT LAWRENCE Community Ogdensburg, NY	4.3%
8	ENDURANCE Community Duncan, OK	5.3%
9	INDIANHEAD Community SPOONER, WI	6.4%
10	1ST NORTHERN CALIFORNIA Community Martinez, CA	7.5%
11	CHAMPION Community Canton, NC	8.5%
12	1ST COMMUNITY Community San Angelo, TX	9.6%
13	FIRST CITIZENS' Community FAIRHAVEN, MA	10.6%
14	FINANCIAL PLUS Community West Des Moines, IA	11.7%
15	UFCW COMMUNITY Community Wyoming, PA	12.8%
16	ALABAMA STATE EMPLOYEES Community Montgomery, AL	13.8%
17	CREDIT UNION WEST Mid-Market Glendale, AZ	14.3%
18	TOMAH AREA Community Tomah, WI	14.9%
19	CODE Community Dayton, OH	16.0%
20	ENCOMPASS Community Tipton, IN	17.0%
21	AURORA Community Aurora, CO	18.1%
22	DESCO Community PORTSMOUTH, OH	19.1%
23	KANSAS STATE UNIVERSITY Community Manhattan, KS	20.2%
24	MOCSE Community Modesto, CA	21.3%
25	AOD Community Bynum, AL	22.3%