Key Takeaways
- According to NCUA data, Navy Federal has 15.5 million members, 10.6% of all federally insured credit union members and more than the next 8 largest combined.
- Half of the 146.1 million members belong to the largest 113 of 4,214 credit unions; the median credit union has 4,781 members.
- 11 of the 50 largest credit unions by members are not among the 50 largest by assets.
- Every figure is from the NCUA's June 30, 2026 Call Report data, and the totals match the NCUA's own published summary for the quarter.
Navy Federal has 15.5 million members, 10.6% of all the members that federally insured US credit unions report, and more than the next 8 largest credit unions combined, according to NCUA data. State Employees' is second, with 3.0 million, followed by Pentagon. Half of all members belong to the largest 113 credit unions, 2.7% of all credit unions.
This ranking covers all 4,214 federally insured credit unions in the NCUA's Call Report data for June 30, 2026, which together serve 146.1 million members and hold $2.50 trillion. Every figure is the one the credit union reported, and the totals match the NCUA's own published summary for the quarter.
The 50 largest US credit unions by members
Ranked by the number of members each credit union reported on June 30, 2026. The last column is the same credit union's place in the ranking by total assets. Names are as the NCUA lists them, which usually leaves out "Credit Union".
| Rank | Credit union | Headquarters | Members | Total assets | Rank by assets | Source |
|---|---|---|---|---|---|---|
| 1 | Navy Federal | Vienna, VA | 15,517,448 | $204 billion | 1 | NCUA |
| 2 | State Employees' | Raleigh, NC | 2,998,339 | $60.0 billion | 2 | NCUA |
| 3 | Pentagon | McLean, VA | 2,751,004 | $29.2 billion | 5 | NCUA |
| 4 | First Technology | San Jose, CA | 1,870,858 | $27.9 billion | 6 | NCUA |
| 5 | Boeing Employees | Tukwila, WA | 1,594,258 | $29.6 billion | 4 | NCUA |
| 6 | America First | Riverdale, UT | 1,588,687 | $26.0 billion | 7 | NCUA |
| 7 | SchoolsFirst | Tustin, CA | 1,579,561 | $37.2 billion | 3 | NCUA |
| 8 | Mountain America | Sandy, UT | 1,458,467 | $22.9 billion | 8 | NCUA |
| 9 | Suncoast | Tampa, FL | 1,408,203 | $20.8 billion | 10 | NCUA |
| 10 | The Golden 1 | Sacramento, CA | 1,199,691 | $22.2 billion | 9 | NCUA |
| 11 | Randolph-Brooks | Live Oak, TX | 1,152,532 | $19.6 billion | 12 | NCUA |
| 12 | VyStar | Jacksonville, FL | 1,024,058 | $14.3 billion | 18 | NCUA |
| 13 | Wings | Colorado Springs, CO | 958,216 | $19.4 billion | 13 | NCUA |
| 14 | Alliant | Chicago, IL | 953,370 | $20.0 billion | 11 | NCUA |
| 15 | Idaho Central | Chubbuck, ID | 821,866 | $15.5 billion | 15 | NCUA |
| 16 | Global | Anchorage, AK | 808,644 | $13.0 billion | 19 | NCUA |
| 17 | Security Service | San Antonio, TX | 721,020 | $14.4 billion | 17 | NCUA |
| 18 | Space Coast | Melbourne, FL | 705,088 | $9.2 billion | 39 | NCUA |
| 19 | OnPoint Community | Portland, OR | 661,823 | $9.5 billion | 35 | NCUA |
| 20 | Municipal | New York, NY | 651,236 | $5.2 billion | 86 | NCUA |
| 21 | Members 1st | Enola, PA | 634,162 | $8.7 billion | 43 | NCUA |
| 22 | CommunityAmerica | Lenexa, KS | 594,689 | $9.0 billion | 41 | NCUA |
| 23 | Pennsylvania State Employees | Harrisburg, PA | 547,167 | $9.7 billion | 32 | NCUA |
| 24 | Delta Community | Atlanta, GA | 547,012 | $9.1 billion | 40 | NCUA |
| 25 | Patelco | Dublin, CA | 542,150 | $9.8 billion | 29 | NCUA |
| 26 | Redstone | Huntsville, AL | 539,259 | $8.6 billion | 44 | NCUA |
| 27 | Lake Michigan | Caledonia, MI | 536,976 | $17.3 billion | 14 | NCUA |
| 28 | FourLeaf | Bethpage, NY | 527,355 | $14.4 billion | 16 | NCUA |
| 29 | Wright-Patt | Beavercreek, OH | 527,080 | $9.5 billion | 33 | NCUA |
| 30 | Desert Financial | Phoenix, AZ | 517,794 | $9.9 billion | 27 | NCUA |
| 31 | Broadview | Albany, NY | 516,899 | $9.4 billion | 37 | NCUA |
| 32 | MIDFLORIDA | Lakeland, FL | 499,969 | $9.8 billion | 28 | NCUA |
| 33 | Tinker | Oklahoma City, OK | 488,459 | $6.1 billion | 65 | NCUA |
| 34 | Teachers | Hauppauge, NY | 486,565 | $9.9 billion | 26 | NCUA |
| 35 | ESL | Rochester, NY | 485,535 | $10.8 billion | 21 | NCUA |
| 36 | Virginia | North Chesterfield, VA | 480,100 | $7.4 billion | 51 | NCUA |
| 37 | GECU | El Paso, TX | 441,043 | $4.7 billion | 100 | NCUA |
| 38 | Police & Fire | Philadelphia, PA | 432,372 | $10.2 billion | 24 | NCUA |
| 39 | University | Austin, TX | 429,865 | $4.3 billion | 118 | NCUA |
| 40 | Citizens Equity First | Peoria, IL | 423,526 | $8.5 billion | 47 | NCUA |
| 41 | Redwood | Santa Rosa, CA | 423,257 | $10.7 billion | 22 | NCUA |
| 42 | Connexus | Wausau, WI | 417,271 | $4.1 billion | 124 | NCUA |
| 43 | Langley | Newport News, VA | 408,716 | $5.6 billion | 74 | NCUA |
| 44 | Landmark | Brookfield, WI | 407,868 | $7.9 billion | 50 | NCUA |
| 45 | Michigan State University | East Lansing, MI | 405,979 | $8.9 billion | 42 | NCUA |
| 46 | San Diego County | San Diego, CA | 403,306 | $9.5 billion | 34 | NCUA |
| 47 | Texas Dow Employees | Houston, TX | 403,290 | $5.0 billion | 91 | NCUA |
| 48 | Educational Employees | Fresno, CA | 400,296 | $5.4 billion | 78 | NCUA |
| 49 | Keesler | Biloxi, MS | 397,213 | $5.3 billion | 83 | NCUA |
| 50 | University of Wisconsin | Madison, WI | 396,812 | $6.7 billion | 58 | NCUA |
Download this table (CSV), free. The full dataset, every federally insured credit union with its members, assets and charter number, is one email away.
Members and assets rank credit unions differently
A credit union's membership and its balance sheet do not grow in step. 11 of the 50 credit unions with the most members are not among the 50 largest by assets, so a list by assets and a list by members name different institutions.
- The largest ten by members serve 21.9% of all members, and the 50 in the table serve 37.4%. The smallest of them reports 396,812 members.
- The median credit union has 4,781 members.
- 686 credit unions, 16% of the total, have fewer than 1,000 members.
What this means for technology buyers
Membership sets the volume a credit union's member-facing systems carry: logins, service requests, loan applications and statements. These guides compare the options side by side:
- CRM for financial services: keeping a record of every member relationship as the membership grows.
- Mobile banking apps: the digital channel most members use day to day.
- Deposit management platforms: for growing shares and deposits across a large membership.
- Credit decision engines for consumer lending: auto, card and personal loan decisions at member volume.
Planning the change before choosing the vendor? The Retail Bank Business Capability Model maps the work a credit union shares with a retail bank, and the Retail Banking Business Information Model defines the member and account data behind it.
More from Finantrix Atlas
- Largest credit unions in the US, ranked by assets
- Credit union mergers
- Largest community banks 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. Credit unions are ranked by the number of members each reports; total assets are from the same report, and the asset rank is the credit union's place among all 4,214 by total assets.
The NCUA separately publishes a Quarterly Credit Union Data Summary from the same filings. This list reproduces it: 4,214 credit unions, and the same membership and total assets to the rounding the summary prints. The two comparisons above are computed and tested: the leader's membership is checked against the next 8 combined and the next one after them, and the count behind "half of all members" is the smallest that reaches half.
Limits
- 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.
- Members are counted by each credit union. A person who belongs to more than one credit union is counted by each, so the members of several credit unions cannot be added up into a count of people.
- Headquarters is not where members live. The location shown is the credit union's headquarters as the NCUA lists it. A credit union can serve members across the country and abroad.
- One publisher, one quarter. No other source publishes credit union membership one by one, so the check is against the NCUA's own summary. The date of the data is June 30, 2026, and a merger can move a credit union up the list between filings.
Cite this
Free to quote, cite and republish, including the chart, with credit to Finantrix Atlas and a link to this page.
Navy Federal has 15.5 million members, more than the next 8 largest US credit unions combined, according to a Finantrix Atlas analysis of NCUA Call Report data for June 30, 2026.
Half of the 146.1 million members of federally insured US credit unions belong to the largest 113 credit unions, according to Finantrix Atlas analysis of NCUA data.
Suggested citation: Finantrix Atlas, "Largest Credit Unions in the US by Members," data as of June 30, 2026, from NCUA Call Report data. https://www.finantrix.com/articles/largest-credit-unions-by-members
Embed the chart:
<a href="https://www.finantrix.com/articles/largest-credit-unions-by-members"><img src="https://www.finantrix.com/atlas/largest-credit-unions-by-members.png" alt="The US credit unions with the most members, from Finantrix Atlas"></a>
<p>Chart: <a href="https://www.finantrix.com/articles/largest-credit-unions-by-members">Finantrix Atlas</a>, from NCUA Call Report data.</p>
Frequently asked questions
Q: Which credit union has the most members? A: Navy Federal, with 15.5 million members on June 30, 2026, according to its Call Report filed with the NCUA. That is 10.6% of all federally insured credit union members.
Q: How many people belong to a credit union in the US? A: Federally insured credit unions reported 146.1 million members for June 30, 2026, according to the NCUA. A person who belongs to more than one credit union is counted by each, so the number of people is lower.
Q: Is the credit union with the most members also the largest by assets? A: Not always. According to NCUA data, 11 of the 50 credit unions with the most members are not among the 50 largest by total assets.
Q: How many members does a typical credit union have? A: The median federally insured credit union had 4,781 members on June 30, 2026, according to NCUA data, and 16% had fewer than 1,000.
Download the data
The 50 rows on this page (CSV), free. The full dataset has all 4,214 rows, as of June 30, 2026; we email you a link.
Frequently Asked Questions
Which credit union has the most members?
Navy Federal, with 15.5 million members on June 30, 2026, according to its Call Report filed with the NCUA. That is 10.6% of all federally insured credit union members.
How many people belong to a credit union in the US?
Federally insured credit unions reported 146.1 million members for June 30, 2026, according to the NCUA. A person who belongs to more than one credit union is counted by each, so the number of people is lower.
Is the credit union with the most members also the largest by assets?
Not always. According to NCUA data, 11 of the 50 credit unions with the most members are not among the 50 largest by total assets.
How many members does a typical credit union have?
The median federally insured credit union had 4,781 members on June 30, 2026, according to NCUA data, and 16% had fewer than 1,000.