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:

Viewing: Cost Spiral

Active filters: Community × Clear all

Concern

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

CUs in Community

CUs Nationally

↓ Shrinking

-34 YoY

Most At Risk

Cost Spiral • Community tier

Rank	Credit Union	Pctl
1	SANTA BARBARA TEACHERS Community Santa Barbara, CA	100.0%
2	VIDA Community Ontario, CA	97.8%
3	NUVISTA Community Montrose, CO	95.6%
4	MID-ATLANTIC Community Germantown, MD	93.3%
5	CENTRAL CREDIT UNION OF ILLINOIS Community Bellwood, IL	91.1%
6	WMCU Community Grand Rapids, MI	88.9%
7	BMI Community Dublin, OH	86.7%
8	UNITED Community Mexico, MO	84.4%
9	CENTRAL MAINE Community Lewiston, ME	82.2%
10	CENTURYFIRST Community HATTIESBURG, MS	80.0%
11	1ST COMMUNITY Community SAN ANGELO, TX	77.8%
12	802 Community Barre, VT	75.6%
13	AFFIDIAN Community Denver, CO	73.3%
14	STRATA Community BAKERSFIELD, CA	71.1%
15	STREATOR ONIZED Community Streator, IL	68.9%
16	MON VALLEY COMMUNITY Community ALLENPORT, PA	66.7%
17	LAREDO Community Laredo, TX	64.4%
18	ULSTER Community Kingston, NY	62.2%
19	CITY EMPLOYEES Community KNOXVILLE, TN	60.0%
20	1ST LIBERTY Community Great Falls, MT	57.8%
21	ONE CREDIT UNION OF NY Community Cheektowaga, NY	55.6%
22	PACIFIC CREST Community Klamath Falls, OR	53.3%
23	GREATER WOODLAWN Community BLASDELL, NY	51.1%
24	HERITAGE GROVE Community Salem, OR	48.9%
25	SERVU Community Painted Post, NY	46.7%

Least Affected

Cost Spiral • Community tier

Rank	Credit Union	Pctl
1	STRAIT VIEW Community PORT ANGELES, WA	0.0%
2	GREAT ERIE Community ORCHARD PARK, NY	2.2%
3	ILLINOIS STATE POLICE Community Springfield, IL	4.4%
4	L G & W Community MEMPHIS, TN	6.7%
5	LUSO-AMERICAN Community Peabody, MA	8.9%
6	LANCO Community Lancaster, PA	11.1%
7	CENTRIC Community West Monroe, LA	13.3%
8	WELD COMMUNITY Community Greeley, CO	15.6%
9	DEPARTMENT OF CORRECTIONS Community Baton Rouge, LA	17.8%
10	COMMONWEALTH CENTRAL Community San Jose, CA	20.0%
11	SPC Community HARTSVILLE, SC	22.2%
12	FIRST AMERICAN Community Casa Grande, AZ	24.4%
13	U.P. STATE Community Escanaba, MI	26.7%
14	U S #1364 Community MERRILLVILLE, IN	28.9%
15	WEPCO Community BLOOMINGTON, MD	31.1%
16	CAHP Community SACRAMENTO, CA	33.3%
17	POWER FINANCIAL Community Pembroke Pines, FL	35.6%
18	IAA Community Bloomington, IL	37.8%
19	PREMIER ONE Community San Jose, CA	40.0%
20	PROFED Community Fort Wayne, IN	42.2%
21	LESCO Community Latrobe, PA	44.4%
22	SERVU Community Painted Post, NY	46.7%
23	HERITAGE GROVE Community Salem, OR	48.9%
24	GREATER WOODLAWN Community BLASDELL, NY	51.1%
25	PACIFIC CREST Community Klamath Falls, OR	53.3%