Industry Rankings

CU Wrapped 2025

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: Wealth Migration Risk

Active filters: Community × Clear all

Concern

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

20

CUs in Community

34

CUs Nationally

↑ Growing

+34 YoY

Most At Risk

Wealth Migration Risk • Community tier

Rank	Credit Union	Pctl
1	IDB GLOBAL Community WASHINGTON, DC	100.0%
2	PITTSFORD Community PITTSFORD, NY	94.7%
3	LONG BEACH FIREMEN S Community Long Beach, CA	89.5%
4	CONSOLIDATED Community PORTLAND, OR	84.2%
5	EAST COUNTY SCHOOLS Community EL CAJON, CA	79.0%
6	FIRST PRIORITY Community BOSTON, MA	73.7%
7	SEA WEST COAST GUARD Community OAKLAND, CA	68.4%
8	INSPIRE Community Newtown, PA	63.2%
9	PENINSULA Community Escanaba, MI	57.9%
10	LONG BEACH CITY EMPLOYEES Community Signal Hill, CA	52.6%
11	ANECA Community Shreveport, LA	47.4%
12	VUE COMMUNITY Community BISMARCK, ND	42.1%
13	HOUSTON TEXAS FIRE FIGHTERS Community Houston, TX	36.8%
14	HIGHMARK Community RAPID CITY, SD	31.6%
15	RIVER VALLEY Community Miamisburg, OH	26.3%
16	SPIRIT OF ALASKA Community Fairbanks, AK	21.1%
17	VALLEY Community SALEM, OR	15.8%
18	TRAILHEAD Community PORTLAND, OR	10.5%
19	RIVERTRUST Community PEARL, MS	5.3%
20	NORTHWEST CHRISTIAN Community NAMPA, ID	0.0%

Least Affected

Wealth Migration Risk • Community tier

Rank	Credit Union	Pctl
1	NORTHWEST CHRISTIAN Community NAMPA, ID	0.0%
2	RIVERTRUST Community PEARL, MS	5.3%
3	TRAILHEAD Community PORTLAND, OR	10.5%
4	VALLEY Community SALEM, OR	15.8%
5	SPIRIT OF ALASKA Community Fairbanks, AK	21.1%
6	RIVER VALLEY Community Miamisburg, OH	26.3%
7	HIGHMARK Community RAPID CITY, SD	31.6%
8	HOUSTON TEXAS FIRE FIGHTERS Community Houston, TX	36.8%
9	VUE COMMUNITY Community BISMARCK, ND	42.1%
10	ANECA Community Shreveport, LA	47.4%
11	LONG BEACH CITY EMPLOYEES Community Signal Hill, CA	52.6%
12	PENINSULA Community Escanaba, MI	57.9%
13	INSPIRE Community Newtown, PA	63.2%
14	SEA WEST COAST GUARD Community OAKLAND, CA	68.4%
15	FIRST PRIORITY Community BOSTON, MA	73.7%
16	EAST COUNTY SCHOOLS Community EL CAJON, CA	79.0%
17	CONSOLIDATED Community PORTLAND, OR	84.2%
18	LONG BEACH FIREMEN S Community Long Beach, CA	89.5%
19	PITTSFORD Community PITTSFORD, NY	94.7%
20	IDB GLOBAL Community WASHINGTON, DC	100.0%

Explore by Dimension

Signatures

Growth & Performance

Credit Quality Leader Emerging Performer Organic Growth Engine Organic Growth Leader Profitability Leader Relationship Depth Leader Wallet Share Momentum

Risk & Quality

Capital Constraint Cost Spiral Credit Quality Pressure Credit Risk Growth Efficiency Drag Flatlined Growth Indirect Auto Dependency Liquidity Overhang Liquidity Strain Stagnation Risk

Decline Indicators

Accelerating Exit Risk Deposit Outflow Institutional Decline Margin Compression Membership Headwinds Shrinking Wallet Share Wealth Migration Risk

Metrics

Growth

Asset Growth (YoY) (Absolute) Average Member Relationship Growth (YoY) (Absolute) Deposit Growth (YoY) (Absolute) Loan Growth (YoY) (Absolute) Member Growth (YoY) (Absolute)

Profitability

Efficiency Ratio (Absolute) Efficiency Ratio (QoQ Change) Efficiency Ratio (YoY Change) Fee Income Per Member (Absolute) Fee Income Per Member (QoQ Change) Fee Income Per Member (YoY Change) Net Interest Margin (NIM) (Absolute) Net Interest Margin (NIM) (QoQ Change) Net Interest Margin (NIM) (YoY Change) Return on Assets (ROA) (Absolute) Return on Assets (ROA) (QoQ Change) Return on Assets (ROA) (YoY Change)

Member Engagement

Average Member Relationship (AMR) (Absolute) Average Member Relationship (AMR) (QoQ Change) Average Member Relationship (AMR) (YoY Change) Loan-to-Member Ratio (LMR) (Absolute) Loan-to-Member Ratio (LMR) (QoQ Change) Loan-to-Member Ratio (LMR) (YoY Change) Members Per Employee (MPE) (Absolute) Members Per Employee (MPE) (QoQ Change) Members Per Employee (MPE) (YoY Change) Total Members (Absolute) Total Members (QoQ Change) Total Members (YoY Change)

Balance Sheet

First Mortgage Concentration (%) (Absolute) First Mortgage Concentration (%) (QoQ Change) First Mortgage Concentration (%) (YoY Change) Indirect Auto Concentration (%) (Absolute) Indirect Auto Concentration (%) (QoQ Change) Indirect Auto Concentration (%) (YoY Change) Loan-to-Share Ratio (Absolute) Loan-to-Share Ratio (QoQ Change) Loan-to-Share Ratio (YoY Change) Share Certificate Concentration (%) (Absolute) Share Certificate Concentration (%) (QoQ Change) Share Certificate Concentration (%) (YoY Change) Total Assets (Absolute) Total Assets (QoQ Change) Total Assets (YoY Change) Total Deposits (Absolute) Total Deposits (QoQ Change) Total Deposits (YoY Change) Total Loans (Absolute) Total Loans (QoQ Change) Total Loans (YoY Change)

Risk

Net Charge-Off Rate (Absolute) Net Charge-Off Rate (QoQ Change) Net Charge-Off Rate (YoY Change) Net Worth Ratio (Absolute) Net Worth Ratio (QoQ Change) Net Worth Ratio (YoY Change) Total Delinquency Rate (60+ days) (Absolute) Total Delinquency Rate (60+ days) (QoQ Change) Total Delinquency Rate (60+ days) (YoY Change)