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 | CITADEL | PA | $2,759,603,729 | 100.00% | 99.66% | 99.86% | 99.53% |
| 2 | DEERE EMPLOYEES | IL | $832,883,991 | 99.98% | 99.85% | 98.82% | 100.00% |
| 3 | UNIVERSITY OF IOWA COMMUNITY | IA | $3,902,291,719 | 99.97% | 99.64% | 99.71% | 99.07% |
| 4 | VERIDIAN | IA | $3,101,782,638 | 99.95% | 98.88% | 99.61% | 99.80% |
| 5 | LAKE MICHIGAN | MI | $4,823,231,734 | 99.93% | 99.90% | 99.56% | 98.78% |
| 6 | ALTRA | WI | $1,254,502,255 | 99.92% | 98.39% | 99.70% | 99.66% |
| 7 | EASTMAN | TN | $3,633286,197 | 99.90% | 98.09% | 99.70% | 99.66% |
| 8 | COMMUNITY FIRST | WI | $2,619,355,704 | 99.88% | 99.41% | 98.44% | 99.34% |
| 9 | IDAHO CENTRAL | ID | $2,810,896,842 | 99.85% | 99.80% | 98.65% | 98.31% |
| 10 | BCU | IL | $2,629,405,005 | 99.85% | 99.80% | 98.65% | 98.31% |
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 | DIXIES | SC | 53.04% | $13,216 | $6,253 | $6,964 | $41,567,893 |
| 2 | TEXAS ASSOC. OF PROFESSIONALS | TX | 49.01% | $30,312 | $16,251 | $17,385 | $32,918,816 |
| 3 | MINNESOTA CATHOLIC | MN | 42.46% | $15,757 | $5,9487 | $9,911 | $30,870,421 |
| 4 | VERMONT VA | VT | 41.74% | $14,338 | $4,778 | $9,559 | $24,054,550 |
| 5 | FAMILY SAVINGS | AL | 39.41% | $9,693 | $4,396 | $5,296 | $381,695,998 |
| 6 | RIVER REGION | LA | 36.35% | $15,882 | $4,388 | $11,493 | $35,324,587 |
| 7 | CENTRA | IN | 33.17% | $17,899 | $7,228 | $10,689 | $1,362,120,947 |
| 8 | POSTAL | LA | 32.05% | $11,183 | $3,979 | $7,204 | $28,794,926 |
| 9 | CANNON | NM | 31.14% | $12,520 | $4,863 | $7,657 | $64,118,782 |
| 10 | ADVANCIAL | TX | 30.46% | $27,772 | $13,846 | $13,926 | $1,366,049,771 |
* 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 | SECU NC | NC | $232,011,619 | $232,011,619 | $0 | 6 | $35,025,799,949 |
| 2 | BETHPAGE | NY | $173,840,052 | $144,517,077 | $29,322,975 | 10 | $6,918,649,939 |
| 3 | UNIVERSITY OF IOWA COMMUNITY | IA | $97,912,922 | $2,912,922 | $95,000,000 | 2 | $3,902,291,719 |
| 4 | NAVY | VA | $90,962,870 | $90,962,870 | $0 | 9 | $79,775,661,540 |
| 5 | FIRST TECH | CA | $70,742,888 | $35,091,801 | $35,651,087 | 9 | $9,512,406,848 |
| 6 | CREDIT UNION OF TEXAS | TX | $70,141,901 | $65,141,901 | $5,000,000 | 3 | $1,347,412,795 |
| 7 | WRIGHT-PATT | OH | $69,809,890 | $48,567,748 | $21,242,142 | 9 | $3,459,301,100 |
| 8 | SERVICE | NH | $53,312,171 | $282,896 | $53,029,275 | 8 | $3,034,302,890 |
| 9 | STATE EMPLOYEES | NY | $48,750,785 | $24,750,785 | $24,000,000 | 3 | $3,328,515,261 |
| 10 | PENTAGON | VA | $46,105,293 | $46,105,293 | $0 | 12 | $21,301,361,102 |
*FOR U.S. CREDIT UNIONS WITH MORE THAN $20 MILLION ASSETS,
**INCLUDES WHOLLY AND MULTI-OWNED CREDIT UNION SERVICE ORGANIZATIONS.
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 | 198.21% | 10,753 | $15,101 | $94,565,503 |
| 2 | MID MINNESOTA | MN | 157.42% | 62,272 | $6,943 | $317,096,516 |
| 3 | ARC | PA | 142.33% | 17,929 | $5,729 | $78,711,530 |
| 4 | NUMERICA | WA | 123.27% | 159,779 | $11,533 | $1,801,924,214 |
| 5 | ALABAMA CENTRAL | AL | 108.05% | 19,386 | $6,857 | $135,911,332 |
| 6 | POWER FINANCIAL | FL | 106.79% | 35,602 | $14,705 | $615,100,587 |
| 7 | CITY & COUNTY | MN | 106.61% | 41,283 | $11,158 | $490,890,482 |
| 8 | IBM SOUTHEAST EMPLOYEES | FL | 104.09% | 77,377 | $11,067 | $940,271,063 |
| 9 | COMMUNITY SOUTH | FL | 101.54% | 10,428 | $9,319 | $110,840,622 |
| 10 | ENTRUST FINANCIAL | VA | 101.19% | 10,649 | $6,861 | $78,391,111 |
*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 | Dividends/Income | Dividends | Total Income | Total Assets |
|---|---|---|---|---|---|---|
| 1 | BUKCS COUNTY EMPLOYEES | PA | 67.76% | $586,557 | $865,594 | $63,729,847 |
| 2 | MERCK EMPLOYEES | NJ | 61.08% | $19,984,457 | $32,717,403 | $1,984,893,972 |
| 3 | BUTLER CO. TEACHERS | PA | 55.34% | $321,852 | $581,547 | $27,603,504 |
| 4 | LUFTHANSA EMPLOYEES | NY | 53.42% | $887,823 | $1,662,100 | $96,398,974 |
| 5 | SELF RELIANCE NEW YORK | NY | 51.14% | $20,371,633 | $39,837,145 | $1,266,792,823 |
| 6 | SAN JOANQUIN POWER EMPLOYEES | CA | 50.74% | $1,971,476 | $3,885,474 | $135,853,894 |
| 7 | HOLY GHOST PARISH | IA | 49.32% | $196,094 | $397,602 | $27,971,937 |
| 8 | CONNECTICUT STATE EMPLOYEES | CT | 48.53% | $12,640,160 | $26,045,414 | $1,768,684,222 |
| 9 | PUBLIC SERVICE PLAZA | NJ | 48.34% | $163,333 | $337,889 | $21,001,280 |
| 10 | DAKOTA TELCO | ND | 47.19% | $131,588 | $278,837 | $21,364,893 |
*FOR ALL U.S. CREDIT UNIONS WITH MORE THAN $20 MILLION IN ASSETS
Source: Callahan & Associates.
Small Business Administration Loans Outstanding
SMALL BUSINESS ADMINISTRATION LOANS OUTSTANDING
For all U.S. credit unions* | Data as of 12.31.16
Callahan & Associates | www.creditunions.com
| Rank | Credit Union | State | SBA Loans Outstanding ($) | MBLs Outstanding ($) | SBA Loans/Total MBLs | Avg. SBA Loan Balance | Total Assets |
|---|---|---|---|---|---|---|---|
| 1 | CALIFORNIA | CA | $167,373,016 | $174,196,072 | 96.08% | $412,249 | $1,593,799,644 |
| 2 | MOUNTAIN AMERICA | UT | $149,271,172 | $565,316,199 | 26.40% | $167,532 | $6,058,883,241 |
| 3 | MEMBERS CHOICE | TX | $63,930,252 | $20,428,054 | 312.95% | $581,184 | $520,190,237 |
| 4 | APPLE | VA | $55,634,750 | $275,,271,167 | 20.21% | $1,159,057 | $2,268,254,260 |
| 5 | INSIGHT | FL | $52,059,835 | $21,593,862 | 241.09% | $619,760 | $562,292,469 |
| 6 | REDWOOD | CA | $51,883,712 | $321,524,645 | 16.14% | $320,270 | $3,287,602,445 |
| 7 | SECURITY SERVICE | TX | $41,050,673 | $556,627,899 | 7.37% | $297,469 | $9,355,767,801 |
| 8 | NORTHWEST | VA | $34,192,372 | $200,630,331 | 17.04% | $621,679 | $3,128,362,162 |
| 9 | STANFORD | CA | $34,033,042 | $246,354,716 | 13.81% | $1,031,304 | $2,116,660,160 |
| 10 | SAFE | CA | $32,259,337 | $125,346,562 | 25.74% | $179,219 | $2,512,179,808 |
*FOR ALL U.S. CREDIT UNIONS WITH MORE THAN $20 MILLION IN ASSETS
Source: Callahan & Associates.
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