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

-34 YoY

Most At Risk

Cost Spiral • All tiers

Rank	Credit Union	Pctl
1	SANTA BARBARA TEACHERS Community Santa Barbara, CA	100.0%
2	LAFCU Mid-Market LANSING, MI	100.0%
3	TINKER Large Oklahoma City, OK	100.0%
4	VIDA Community Ontario, CA	97.8%
5	NUVISTA Community Montrose, CO	95.6%
6	MID-ATLANTIC Community Germantown, MD	93.3%
7	CENTRAL CREDIT UNION OF ILLINOIS Community Bellwood, IL	91.1%
8	WMCU Community Grand Rapids, MI	88.9%
9	LAFAYETTE Mid-Market ROCKVILLE, MD	87.5%
10	BMI Community Dublin, OH	86.7%
11	UNITED Community Mexico, MO	84.4%
12	CENTRAL MAINE Community Lewiston, ME	82.2%
13	CENTURYFIRST Community HATTIESBURG, MS	80.0%
14	1ST COMMUNITY Community SAN ANGELO, TX	77.8%
15	802 Community Barre, VT	75.6%
16	SAN FRANCISCO Mid-Market San Francisco, CA	75.0%
17	AFFIDIAN Community Denver, CO	73.3%
18	STRATA Community BAKERSFIELD, CA	71.1%
19	STREATOR ONIZED Community Streator, IL	68.9%
20	MON VALLEY COMMUNITY Community ALLENPORT, PA	66.7%
21	LAREDO Community Laredo, TX	64.4%
22	UNIVERSITY OF MICHIGAN Mid-Market Ann Arbor, MI	62.5%
23	ULSTER Community Kingston, NY	62.2%
24	CITY EMPLOYEES Community KNOXVILLE, TN	60.0%
25	1ST LIBERTY Community Great Falls, MT	57.8%

Least Affected

Cost Spiral • All tiers

Rank	Credit Union	Pctl
1	STRAIT VIEW Community PORT ANGELES, WA	0.0%
2	UNIVERSITY OF VA COMMUNITY CU Mid-Market Charlottesville, VA	0.0%
3	KEESLER Large BILOXI, MS	0.0%
4	GREAT ERIE Community ORCHARD PARK, NY	2.2%
5	ILLINOIS STATE POLICE Community Springfield, IL	4.4%
6	L G & W Community MEMPHIS, TN	6.7%
7	LUSO-AMERICAN Community Peabody, MA	8.9%
8	LANCO Community Lancaster, PA	11.1%
9	AUSTIN TELCO Mid-Market Austin, TX	12.5%
10	CENTRIC Community West Monroe, LA	13.3%
11	WELD COMMUNITY Community Greeley, CO	15.6%
12	DEPARTMENT OF CORRECTIONS Community Baton Rouge, LA	17.8%
13	COMMONWEALTH CENTRAL Community San Jose, CA	20.0%
14	SPC Community HARTSVILLE, SC	22.2%
15	FIRST AMERICAN Community Casa Grande, AZ	24.4%
16	ONPATH Mid-Market Metairie, LA	25.0%
17	U.P. STATE Community Escanaba, MI	26.7%
18	U S #1364 Community MERRILLVILLE, IN	28.9%
19	WEPCO Community BLOOMINGTON, MD	31.1%
20	CAHP Community SACRAMENTO, CA	33.3%
21	POWER FINANCIAL Community Pembroke Pines, FL	35.6%
22	ONE NEVADA Mid-Market LAS VEGAS, NV	37.5%
23	IAA Community Bloomington, IL	37.8%
24	PREMIER ONE Community San Jose, CA	40.0%
25	PROFED Community Fort Wayne, IN	42.2%