What makes a cooperative a cooperative? As member-owned not-for-profit financial institutions, credit unions exist to provide access to affordable credit through checking accounts, loan products, and other services.
The following metrics provide a convenient snapshot of the credit union leaders in six categories that help highlight the cooperative difference.
Click through the tabs below for a deeper dive into year-end financial performance.
Return Of The Member
RETURN OF THE MEMBER
For all U.S. credit unions | Data as of 12.31.16
Callahan & Associates | www.creditunions.com
| Rank | Credit Union | State | Total Assets | Total ROM Score (%) | Return To Savers (%) | Return To Borrowers (%) | Member Service Usage (%) |
|---|---|---|---|---|---|---|---|
| 1 | DEERE EMPLOYEES | IL | $784,567,477 | 100.00% | 99.82% | 99.01% | 100.00% |
| 2 | UNIVERSITY OF IOWA COMMUNITY | IA | $3,195,095,197 | 99.98% | 99.80% | 99.95% | 98.99% |
| 3 | FIREFIGHTERS FIRST | CA | $1,056,587,829 | 99.97% | 98.71% | 99.80% | 99.93% |
| 4 | COMMUNITY FIRST | WI | $2,345,139,136 | 99.95% | 99.33% | 99.63% | 99.46% |
| 5 | LAKE MICHIGAN | MI | $4,089,397,141 | 99.93% | 99.37% | 99.92% | 98.88% |
| 6 | IDAHO CENTRAL | ID | $2,418,391,383 | 99.92% | 98.47% | 99.98% | 99.22% |
| 7 | VERIDIAN | IA | $2,952,893,688 | 99.90% | 99.25% | 98.00% | 99.90% |
| 8 | NORTHEAST | NH | $1,075,271,291 | 99.89% | 98.23% | 99.87% | 98.55% |
| 9 | CITADEL | PA | $2,433,630,022 | 99.87% | 99.41% | 98.23% | 99.15% |
| 10 | CONSUMERS | MI | $674,548,622 | 99.85% | 97.82% | 98.80% | 99.27% |
Source: Callahan & Associates.
Member Relationship Growth
12-MONTH MEMBER RELATIONSHIP GROWTH
For all U.S. credit unions* | Data as of 12.31.16
Callahan & Associates | www.creditunions.com
| Rank | Credit Union | State | Growth in Avg. Member Rel.** | Avg. Member Rel.** | Avg. Loan/Member** | Avg. Share Balance | Total Assets |
|---|---|---|---|---|---|---|---|
| 1 | GREEN MOUNTAIN | VT | 36.00% | $15,422 | $8,129 | $7,293 | $40,936,501 |
| 2 | GENERATIONS | WA | 25.57% | $11,865 | $4,994 | $6,871 | $28,317,740 |
| 3 | FAIRFAX COUNTY | VA | 24.97% | $31,129 | $15,217 | $15,912 | $332,669,421 |
| 4 | ALPS | AK | 23.64% | $24,164 | $10,737 | $13,427 | $67,074,459 |
| 5 | PLATINUM | GA | 22.00% | $13,729 | $5,749 | $7,980 | $69,234,287 |
| 6 | LATINO COMMUNITY | NC | 21.89% | $5,259 | $2,623 | $2,636 | $198,187,408 |
| 7 | CAHP | CA | 19.83% | $17,538 | $8,041 | $9,497 | $157,705,582 |
| 8 | COMMUNITY FIRST | MI | 19.31% | $9,113 | $4,720 | $4,393 | $39,620,195 |
| 9 | NARC | MD | 19.26% | $11,740 | $2,793 | $8,947 | $23,472,335 |
| 10 | CALIFORNIA | CA | 18.83% | $23,679 | $10,540 | $13,139 | $1,463,540,384 |
* FOR ALL U.S. CREDIT UNIONS WITH MORE THAN $20 MILLION ASSETS, MEMBER GROWTH GREATER THAN OR EQUAL TO ZERO, AND EXCLUDING SIGNIFICANT MERGERS.
** EXCLUDING MEMBER BUSINESS LOANS
ource: Callahan & Associates.
CUSO Investments
CUSO INVESTMENTS*
For all U.S. credit unions* | Data as of 12.31.16
Callahan & Associates | www.creditunions.com
| Rank | Credit Union | State | Investments & Loans In CUSOs | $ Investments In CUSOs | $ Loans to CUSOs | # of CUSO participations** | Total CU Assets |
|---|---|---|---|---|---|---|---|
| 1 | STATE EMPLOYEES | NC | $181,709,222 | $181,709,222 | $0 | 6 | $31,820,568,729 |
| 2 | BELLWETHER COMMUNITY | NH | $107,023,734 | $107,023,734 | $0 | 4 | $431,760,742 |
| 3 | NAVY | VA | $85,208,576 | $85,208,576 | $0 | 7 | $73,279,078,865 |
| 4 | FIRST TECH | CA | $73,605,373 | $29,017,797 | $44,587,576 | 8 | $8,649,723,431 |
| 5 | TEXANS | TX | $70,050,000 | $50,000 | $70,000,000 | 3 | $1,445,267,460 |
| 6 | CREDIT UNION OF TEXAS | TX | $64,011,120 | $59,011,120 | $5,000,000 | 4 | $1,284,744,882 |
| 7 | WRIGHT-PATT | OH | $56,073,729 | $43,907,329 | $12,166,400 | 10 | $3,202,505,016 |
| 8 | ALASKA USA | AK | $49,211,485 | $49,211,485 | $0 | 11 | $6,149,860,075 |
| 9 | WESCOM | CA | $46,316,478 | $46,316,478 | $0 | 12 | $3,007,815,087 |
| 10 | STATE EMPLOYEES | NY | $45,897,699 | $21,897,699 | $24,000,000 | 4 | $3,042,780,974 |
*LEADERS DETERMINED BY COMBINED DOLLARS INVESTED IN AND/OR LOANED TO A CUSO
**NUMBER OF PARTICIPATIONS DATA AS OF DECEMBER 2014
Source: Callahan & Associates.
Share Draft Penetration
SHARE DRAFT PENETRATION
For all U.S. credit unions* | Data as of 12.31.15
Callahan & Associates | www.creditunions.com
| Rank | Credit Union | State | % of Members w/ Share Draft Account | # Share Draft Accts. | Avg. Share Balance | Total Assets |
|---|---|---|---|---|---|---|
| 1 | COMMUNITY | CA | 188.62% | 10,644 | $13,219 | $85,357,319 |
| 2 | MID MINNESOTA | MN | 158.50% | 59,547 | $6,613 | $282,870,210 |
| 3 | ARC | PA | 142.32% | 17,279 | $5,556 | $73,394,163 |
| 4 | NUMERICA | WA | 117.79% | 138,078 | $11,259 | $1,585,885,956 |
| 5 | DISTRICT OF COLUMBIA TEACHERS | DC | 113.57% | 6,493 | $7,055 | $46,239,452 |
| 6 | IDB-IIC | DC | 108.91% | 10,759 | $39,987 | $513,994,342 |
| 7 | UNITED CONSUMERS | MO | 106.98% | 18,292 | $6,812 | $132,276,479 |
| 8 | POWER FINANCIAL | FL | 106.81% | 32,076 | $14,114 | $538,238,964 |
| 9 | ALABAMA CENTRAL | AL | 103.69% | 18,179 | $7,046 | $136,559,336 |
| 10 | IBM SOUTHEAST EMPLOYEES | FL | 101.77% | 71,894 | $11,286 | $892,481,353 |
*FOR ALL U.S. CREDIT UNIONS WITH MORE THAN $20 MILLION IN ASSETS
Source: Callahan & Associates.
Dividend Payout Ratio
DIVIDEND PAYOUT RATIO
For all U.S. credit unions* | Data as of 12.31.16
Callahan & Associates | www.creditunions.com
| Rank | Credit Union | State | % of Members w/Auto Loans | Auto Loans/Total Loans | Total Auto Loans | 12-Mo. Auto Loan Growth | Indirect Loans Outstanding |
|---|---|---|---|---|---|---|---|
| 1 | CITIZENS COMMUNITY | IA | 99.91% | 88.64% | $123,661,115 | 1.99% | $107,745,533 |
| 2 | CONSOLIDATED | OR | 76.95% | 27.81% | $37,423,065 | -1.18% | $26,842,984 |
| 3 | COMMUNITY CREDIT UNION OF LYNN | MA | 76.14% | 46.26% | $48,180,129 | -0.53% | $45,002,351 |
| 4 | ATLANTA POSTAL | GA | 73.93% | 59.38% | $666,079,568 | 27.50% | $0 |
| 5 | COMMUNITYWIDE | IN | 72.90% | $13,729 | $284,731,740 | 18.33% | $285,628,954 |
| 6 | SISKIYOU CENTRAL | CA | 67.45% | 64.69% | $15,472,165 | 15.86% | $0 |
| 7 | ASSOCIATED | GA | 64.64% | 62.78% | $572,830,378 | 12.64% | $121,021,457 |
| 8 | EAGLE COMMUNITY | CA | 61.29% | 42.54% | $48,784,326 | 11.08% | $21,754,707 |
| 9 | HANIN | CA | 59.33% | 85.93% | $17,417,239 | 8.62% | $0 |
| 10 | HOMETOWN | IN | 58.84% | 67.17% | $10,447,618 | 12.53% | $0 |
*FOR ALL U.S. CREDIT UNIONS WITH MORE THAN $20 MILLION IN ASSETS
Source: Callahan & Associates.
Small Business Administration Loans Outstanding
SMALL BUSINESS ADMINISTRATION LOANS OUTSTANDING
For all U.S. credit unions* | Data as of 12.31.16
Callahan & Associates | www.creditunions.com
| Rank | Credit Union | State | 12-Mo. Growth in First Mtgs Outstanding | First Mtgs Outstanding | First Mtg / Total Loans | First Mtg Delinquency | Past 12 Months of First Mtg Originations | Total Assets |
|---|---|---|---|---|---|---|---|---|
| 1 | LA FINANCIAL | CA | 349.22% | $124,452,612 | 56.75% | 0.70% | $55,486,573 | $363,023,332 |
| 2 | DVA | DC | 343.70% | $21,338,779 | 38.82% | 5.25% | $7,876,728 | $107,912,806 |
| 3 | MIRAMAR | CA | 343.12% | $64,025,142 | 79.24% | 0.00% | $30,194,597 | $172,439,235 |
| 4 | CALIFORNIA STATE & FEDERAL EMPLOYEES #20 | CA | 331.67% | $15,850,392 | 65.65% | 0.00% | $3,680,000 | $127,539,839 |
| 5 | SAGINAW MEDICAL | MO | 325.16% | $15,745,978 | 28.51% | 0.00% | $10,042,489 | $125,689,419 |
| 6 | EXCEL | GA | 323.38% | $28,847,686 | 45.43% | 1.58% | $10,794,158 | $96,734,295 |
| 7 | RED RIVER | OK | 318.84% | $5,011,083 | 11.14% | 0.21% | $1,013,594 | $76,676,186 |
| 8 | COLUMBINE | CO | 318.28% | $9,703,709 | 27.02% | 3.17% | $3,473,918 | $55,516,971 |
| 9 | COMMUNITY FINANCIAL | MO | 317.05% | $7,164,189 | 20.13% | 0.00% | $4,683,575 | $62,190,558 |
| 10 | DADE COUNTY | FL | 314.50% | $49,953,310 | 14.73% | 0.37% | $21,621,270 | $636,640,381 |
*FOR ALL U.S. CREDIT UNIONS WITH MORE THAN $20 MILLION IN ASSETS, AT LEAST $1 IN FIRST MORTGAGES OUTSTANDING FIVE YEARS AGO AND $5 MILLION
Source: Callahan & Associates.
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