Credit Union Leaderboards

Discover top and bottom performers across the credit union industry

Tier:

State:

Viewing: Efficiency Drag

Concern

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

624

CUs in All Tiers

624

CUs Nationally

↓ Shrinking

-149 YoY

Most At Risk

Efficiency Drag • All tiers

Rank	Credit Union	Pctl
1	SEA AIR Community Seal Beach, CA	100.0%
2	CALTECH EMPLOYEES Mid-Market La Canada, CA	100.0%
3	CHEVRON Large Concord, CA	100.0%
4	GLOBAL Titans Anchorage, AK	100.0%
5	THE PEOPLES Community Middletown, RI	99.9%
6	FORT MCCLELLAN Community Anniston, AL	99.9%
7	GAIN Community Burbank, CA	99.8%
8	CLEARPATH Community Burbank, CA	99.8%
9	CARDINAL CREDIT UNION, INC. Community Mentor, OH	99.7%
10	REV Mid-Market CHARLESTON, SC	99.7%
11	HEARTLAND Community Inver Grove Hei, MN	99.7%
12	GENERATIONS COMMUNITY Community San Antonio, TX	99.6%
13	CREDIT UNION OF OHIO Community Hilliard, OH	99.5%
14	SABINE Community Orange, TX	99.5%
15	POLICE Community UPPER MARLBORO, MD	99.4%
16	BRIGHTBRIDGE Mid-Market LAWRENCE, MA	99.4%
17	LASSEN COUNTY Community Susanville, CA	99.4%
18	GULF COAST COMMUNITY Community GULFPORT, MS	99.3%
19	MCT Community Port Neches, TX	99.3%
20	UKRAINIAN SELFRELIANCE Community Feasterville, PA	99.2%
21	THE FOCUS Community OKLAHOMA CITY, OK	99.2%
22	HOPE Community JACKSON, MS	99.1%
23	ORION Mid-Market Memphis, TN	99.1%
24	MUNICIPAL EMPS CU OF OKLAHOMA CITY Community OKLAHOMA CITY, OK	99.0%
25	NORSTATE Community Madawaska, ME	99.0%

Efficiency Drag • All tiers

Rank	Credit Union	Pctl
1	MEMBERS 1ST OF NJ Community Vineland, NJ	70.5%
2	PREMIER ONE Community San Jose, CA	70.6%
3	TROPICAL FINANCIAL Community MIRAMAR, FL	70.6%
4	GREATER TEXAS Community AUSTIN, TX	70.7%
5	SOUTHWEST MONTANA COMMUNITY Community Anaconda, MT	70.7%
6	CASE Community Lansing, MI	70.8%
7	FIRST HARVEST Community DEPTFORD, NJ	70.8%
8	MID-ATLANTIC Community Germantown, MD	70.9%
9	QUANTUM Community Wichita, KS	71.0%
10	ATOMIC Community Piketon, OH	71.0%
11	ALLEGENT COMMUNITY Community Pittsburgh, PA	71.1%
12	COMMUNITY 1ST Mid-Market Ottumwa, IA	71.1%
13	SPERO FINANCIAL Community Greenville, SC	71.1%
14	COOPERATIVE CHOICE NETWORK Community PEORIA, IL	71.2%
15	THE LOCAL Community Sterling Height, MI	71.2%
16	UNITED TEXAS Community San Antonio, TX	71.3%
17	NUTMEG STATE FINANCIAL Community Rocky Hill, CT	71.4%
18	PIONEER APPALACHIA Community Charleston, WV	71.4%
19	CREDIT UNION OF TEXAS Mid-Market Allen, TX	71.4%
20	4U Community Gainesville, TX	71.5%
21	HOLYOKE Community Holyoke, MA	71.5%
22	TEAM ONE Community SAGINAW, MI	71.6%
23	DELAWARE STATE POLICE Community Georgetown, DE	71.6%
24	CONSUMERS Community Brooklyn, NY	71.7%
25	TRUITY Mid-Market Bartlesville, OK	71.7%