Credit Unions with the Largest Auto Loan Books (2026)

Navy Federal holds $32.8 billion of new and used vehicle loans, 6.8% of all credit union auto loans and more than the next five largest credit union auto lenders combined, according to NCUA data, and it reports no indirect vehicle loans. 41 of the 50 largest credit union auto lenders made more than half of their auto loans through an indirect arrangement, such as a car dealer, according to NCUA data; across all credit unions the indirect share is 55.3%.

This ranking covers all 4,214 federally insured credit unions in the NCUA's Call Report data for June 30, 2026, which together held $485 billion in vehicle loans: $161 billion on new vehicles and $325 billion on used ones, according to the NCUA. Those totals match the auto loan figures in the NCUA's own published summary for the quarter.

The 50 credit unions with the largest auto loan books

Ranked by new and used vehicle loans outstanding on June 30, 2026, as each credit union reported them to the NCUA. "Share of its loans" is vehicle loans as a share of the credit union's total loans and leases. "Indirect share" is the part of its vehicle loans acquired through an indirect lending arrangement. Names are as the NCUA lists them, which usually leaves out "Credit Union".

Rank	Credit union	Headquarters	Auto loans	New vehicle	Used vehicle	Number of loans	Share of its loans	Indirect share	Source
1	Navy Federal	Vienna, VA	$32.8 billion	$14.4 billion	$18.3 billion	1,576,465	22%	0%	NCUA
2	America First	Riverdale, UT	$7.6 billion	$1.5 billion	$6.2 billion	370,635	41%	72%	NCUA
3	Suncoast	Tampa, FL	$7.0 billion	$2.3 billion	$4.7 billion	297,814	43%	66%	NCUA
4	Mountain America	Sandy, UT	$6.4 billion	$787 million	$5.6 billion	336,247	34%	53%	NCUA
5	SchoolsFirst	Tustin, CA	$5.9 billion	$2.5 billion	$3.4 billion	296,428	26%	42%	NCUA
6	Idaho Central	Chubbuck, ID	$5.0 billion	$2.5 billion	$2.5 billion	179,160	36%	95%	NCUA
7	The Golden 1	Sacramento, CA	$4.5 billion	$2.1 billion	$2.4 billion	186,506	28%	85%	NCUA
8	First Technology	San Jose, CA	$4.5 billion	$1.3 billion	$3.1 billion	276,978	20%	34%	NCUA
9	Global	Anchorage, AK	$4.2 billion	$1.5 billion	$2.6 billion	160,512	40%	91%	NCUA
10	State Employees'	Raleigh, NC	$4.0 billion	$1.1 billion	$2.9 billion	221,581	10%	0%	NCUA
11	Security Service	San Antonio, TX	$3.6 billion	$1.6 billion	$2.0 billion	141,964	31%	92%	NCUA
12	Veridian	Waterloo, IA	$3.6 billion	$640 million	$2.9 billion	170,907	45%	89%	NCUA
13	Pentagon	McLean, VA	$3.5 billion	$1.2 billion	$2.3 billion	207,321	16%	6%	NCUA
14	Randolph-Brooks	Live Oak, TX	$3.4 billion	$710 million	$2.6 billion	159,363	26%	39%	NCUA
15	Space Coast	Melbourne, FL	$3.3 billion	$1.6 billion	$1.8 billion	136,039	44%	84%	NCUA
16	Members 1st	Enola, PA	$3.1 billion	$751 million	$2.3 billion	164,313	44%	94%	NCUA
17	Pennsylvania State Employees	Harrisburg, PA	$2.7 billion	$576 million	$2.1 billion	137,663	38%	73%	NCUA
18	VyStar	Jacksonville, FL	$2.6 billion	$1.1 billion	$1.5 billion	126,556	24%	77%	NCUA
19	Eecu	Fort Worth, TX	$2.6 billion	$1.0 billion	$1.5 billion	97,355	65%	88%	NCUA
20	Boeing Employees	Tukwila, WA	$2.6 billion	$1.4 billion	$1.1 billion	138,527	13%	76%	NCUA
21	MIDFLORIDA	Lakeland, FL	$2.6 billion	$1.3 billion	$1.2 billion	221,701	33%	91%	NCUA
22	Citizens Equity First	Peoria, IL	$2.4 billion	$828 million	$1.6 billion	119,670	38%	82%	NCUA
23	Knoxville Tva Employees	Knoxville, TN	$2.4 billion	$2.2 billion	$208 million	98,677	56%	84%	NCUA
24	Redwood	Santa Rosa, CA	$2.4 billion	$875 million	$1.5 billion	100,345	28%	79%	NCUA
25	Canvas	Lone Tree, CO	$2.4 billion	$688 million	$1.7 billion	103,953	50%	93%	NCUA
26	Rally	Corpus Christi, TX	$2.3 billion	$1.1 billion	$1.3 billion	85,491	55%	87%	NCUA
27	Wings	Colorado Springs, CO	$2.3 billion	$1.3 billion	$998 million	131,234	14%	78%	NCUA
28	GECU	El Paso, TX	$2.0 billion	$793 million	$1.2 billion	78,399	53%	74%	NCUA
29	Service	Portsmouth, NH	$2.0 billion	$510 million	$1.5 billion	99,574	36%	49%	NCUA
30	Langley	Newport News, VA	$2.0 billion	$374 million	$1.6 billion	108,646	44%	75%	NCUA
31	Eastman	Kingsport, TN	$2.0 billion	$966 million	$1.0 billion	96,043	25%	55%	NCUA
32	Tinker	Oklahoma City, OK	$2.0 billion	$630 million	$1.4 billion	88,243	55%	70%	NCUA
33	Wright-Patt	Beavercreek, OH	$1.9 billion	$429 million	$1.5 billion	116,697	28%	80%	NCUA
34	Virginia	North Chesterfield, VA	$1.9 billion	$691 million	$1.2 billion	92,208	35%	64%	NCUA
35	Gesa	Richland, WA	$1.8 billion	$430 million	$1.4 billion	87,406	34%	80%	NCUA
36	Delta Community	Atlanta, GA	$1.8 billion	$481 million	$1.4 billion	194,824	27%	0%	NCUA
37	First Community	Chesterfield, MO	$1.8 billion	$430 million	$1.4 billion	103,180	54%	75%	NCUA
38	Coastal	Raleigh, NC	$1.8 billion	$341 million	$1.5 billion	86,195	41%	87%	NCUA
39	Landmark	Brookfield, WI	$1.8 billion	$586 million	$1.2 billion	90,767	28%	89%	NCUA
40	Patelco	Dublin, CA	$1.8 billion	$838 million	$947 million	78,521	25%	83%	NCUA
41	Hughes	Tucson, AZ	$1.8 billion	$106 million	$1.7 billion	86,270	85%	26%	NCUA
42	Northwest	Herndon, VA	$1.7 billion	$666 million	$1.1 billion	71,360	57%	90%	NCUA
43	Oregon Community	Eugene, OR	$1.7 billion	$476 million	$1.2 billion	119,272	52%	95%	NCUA
44	OnPoint Community	Portland, OR	$1.7 billion	$1.3 billion	$452 million	77,408	27%	75%	NCUA
45	ORNL	Oak Ridge, TN	$1.7 billion	$573 million	$1.1 billion	64,677	43%	90%	NCUA
46	Consumers	Lake Forest, IL	$1.6 billion	$332 million	$1.3 billion	114,068	51%	65%	NCUA
47	CommunityAmerica	Lenexa, KS	$1.6 billion	$479 million	$1.1 billion	122,558	25%	69%	NCUA
48	Grow Financial	Tampa, FL	$1.6 billion	$785 million	$805 million	68,645	54%	90%	NCUA
49	Desert Financial	Phoenix, AZ	$1.6 billion	$476 million	$1.1 billion	71,443	30%	74%	NCUA
50	Citadel	Exton, PA	$1.6 billion	$527 million	$1.0 billion	71,798	26%	92%	NCUA

Download this table (CSV), free. The full dataset, every federally insured credit union with its new, used and indirect vehicle loans and loan counts, is one email away.

Direct and indirect auto lending

A credit union can lend to a member who comes to it for a car loan, or it can buy loans that a third party, such as a car dealer, arranges at the point of sale. The NCUA calls the second kind an indirect loan: a loan "where a third party facilitates the financing arrangement", the credit union makes the final underwriting decision, and the loan is assigned to it soon after. The NCUA's instructions add that indirect loans are not limited to loans made through car dealers.

• According to NCUA data, credit unions held $269 billion of indirect vehicle loans on June 30, 2026, 55.3% of their vehicle loans.
• 41 of the 50 credit unions in the table made more than half of their vehicle loans through an indirect arrangement, according to NCUA data.
• The largest ten hold 16.9% of all credit union vehicle loans, and the 50 in the table hold 35.2%, according to NCUA data. Half of the total is held by the largest 111 credit unions.
• 111 federally insured credit unions report no vehicle loans at all, according to NCUA data.

What this means for technology buyers

An auto book is a lending business with its own decisioning, servicing and collections, and an indirect program adds dealer relationships and application volume that arrives in bursts. These guides compare the options side by side:

• Credit decision engines for consumer lending: automated decisions on auto applications, direct or from a dealer.
• Loan servicing platforms: payments, escrow and payoff for an installment loan book.
• Collections and recovery software: delinquency work and repossession tracking.
• Mobile banking apps: where members apply for and pay a direct auto loan.

Planning the change before choosing the vendor? The Retail Bank Business Capability Model maps consumer lending, from origination to collections, as a credit union shares it with a retail bank.

More from Finantrix Atlas

• Largest credit unions in the US, ranked by assets
• Largest credit unions by members
• Credit unions by state
• Largest mortgage lenders in the US

How this list was built

The universe is every federal credit union and federally insured state-chartered credit union in the NCUA's quarterly Call Report data for June 30, 2026. Vehicle loans are Account 385 (new vehicle loans) plus Account 370 (used vehicle loans) on Schedule A, Section 1. The NCUA's Call Report instructions define both as loans where a vehicle manufactured for household use, as NCUA regulations §723.2 put it, is pledged as collateral. Loans are reported there without regard to the channel, direct, indirect, purchased or participation, so purchased loans and the retained part of a participation are included. The number of loans is Account 958 plus Account 968.

Indirect vehicle loans are Account IN0002 on Schedule A, Section 5: the outstanding amount of indirect new and used vehicle loans, which are a subset of the same loans. No credit union reports more indirect vehicle loans than vehicle loans.

The NCUA separately publishes a Quarterly Credit Union Data Summary from the same filings. This list reproduces it: 4,214 credit unions, the same total assets, and the same auto, new auto and used auto loan totals to the rounding the summary prints ($485 billion in all, according to the NCUA). The comparisons above are computed and tested: the leader's book is checked against the next five combined and the next one after them, and the count behind "half of the total" is the smallest that reaches half.

Limits

• What is in, and what is out. In: loans secured by a new or used car or other vehicle for household use, whether made directly, through a dealer, or bought. Out: loans on ATVs, RVs, motorcycles and boats, which the NCUA counts as other secured loans; vehicle loans secured by real estate, which are counted as real estate loans; and vehicle leases, which are a separate line (Account 002).
• Outstanding balances, not originations. The figure is the book on June 30, 2026. A credit union that sells or participates out the loans it makes can originate more than it holds.
• Federally insured only. A small number of state-chartered credit unions are privately insured; the NCUA's totals leave them out, and so does this list. Banks and finance companies are not in it.
• One publisher, one quarter. No other source publishes credit union auto loans one by one, so the check is against the NCUA's own summary. The date of the data is June 30, 2026.

Cite this

Free to quote, cite and republish, including the chart, with credit to Finantrix Atlas and a link to this page.

Navy Federal holds $32.8 billion in auto loans, more than the next five largest US credit union auto lenders combined, according to a Finantrix Atlas analysis of NCUA Call Report data for June 30, 2026.

Federally insured US credit unions held $485 billion in new and used vehicle loans on June 30, 2026, 55.3% of it indirect, according to Finantrix Atlas analysis of NCUA data.

Suggested citation: Finantrix Atlas, "Credit Unions with the Largest Auto Loan Books," data as of June 30, 2026, from NCUA Call Report data. https://www.finantrix.com/articles/largest-auto-lenders-credit-unions

Embed the chart:

<a href="https://www.finantrix.com/articles/largest-auto-lenders-credit-unions"><img src="https://www.finantrix.com/atlas/largest-auto-lenders-credit-unions.png" alt="The US credit unions with the largest auto loan books, from Finantrix Atlas"></a>
<p>Chart: <a href="https://www.finantrix.com/articles/largest-auto-lenders-credit-unions">Finantrix Atlas</a>, from NCUA Call Report data.</p>

Frequently asked questions

Q: Which credit union has the most auto loans? A: Navy Federal, with $32.8 billion of new and used vehicle loans on June 30, 2026, according to its Call Report filed with the NCUA. That is 6.8% of all federally insured credit union auto loans, according to NCUA data.

Q: How much do credit unions lend for cars? A: Federally insured credit unions held $485 billion in vehicle loans on June 30, 2026, according to the NCUA: $161 billion on new vehicles and $325 billion on used ones.

Q: What is indirect auto lending at a credit union? A: A loan arranged by a third party, such as a car dealer, where the credit union makes the underwriting decision and the loan is assigned to it soon after, as the NCUA defines it. According to NCUA data, 55.3% of credit union vehicle loans were indirect on June 30, 2026.

Q: Do these figures include auto leases? A: No. The NCUA's Call Report puts vehicle leases on a separate line, leases receivable, and this ranking counts loans only.