RANKING ·
Largest net interest margin improvement
1806 of 4299 credit unions that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and a comparable quarter a year earlier. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Net interest margin, change over 12 months | Total assets |
|---|---|---|---|---|
| 1 | Golden Circle Credit Union | Massillon, OH | +257 bps | $107 million |
| 2 | First Harvest Federal Credit Union | Deptford, NJ | +212 bps | $484 million |
| 3 | Firestone Federal Credit Union | Akron, OH | +175 bps | $198 million |
| 4 | Sebasticook Valley Federal Credit Union | Pittsfield, ME | +159 bps | $186 million |
| 5 | Great Northwest Federal Credit Union | Aberdeen, WA | +156 bps | $375 million |
| 6 | Community Credit Union | New Rockford, ND | +155 bps | $172 million |
| 7 | Raiz Federal Credit Union | El Paso, TX | +140 bps | $1.1 billion |
| 8 | Heartland Credit Union | Hutchinson, KS | +133 bps | $726 million |
| 9 | Town of Hempstead Employees Federal Credit Union | North Baldwin, NY | +131 bps | $149 million |
| 10 | Green Country Federal Credit Union | Sand Springs, OK | +126 bps | $155 million |
| 11 | Quorum Federal Credit Union | Purchase, NY | +121 bps | $1.4 billion |
| 12 | Ume Federal Credit Union | Burbank, CA | +113 bps | $328 million |
| 13 | Cobalt Federal Credit Union | Papillion, NE | +113 bps | $1.3 billion |
| 14 | Friends and Family Credit Union Inc. | Massillon, OH | +108 bps | $111 million |
| 15 | Revity Credit Union | Granite City, IL | +107 bps | $527 million |
| 16 | Gulf Coast Federal Credit Union | Corpus Christi, TX | +99 bps | $260 million |
| 17 | Puerto Rico Federal Credit Union | Caparra, PR | +99 bps | $188 million |
| 18 | West Community Credit Union | O Fallon, MO | +96 bps | $656 million |
| 19 | Ufirst Federal Credit Union | Plattsburgh, NY | +91 bps | $129 million |
| 20 | Education Credit Union | Amarillo, TX | +90 bps | $469 million |
| 21 | Great Plains Federal Credit Union | Joplin, MO | +90 bps | $319 million |
| 22 | Cy-Fair Federal Credit Union | Houston, TX | +87 bps | $383 million |
| 23 | Harvesters Federal Credit Union | Cantonment, FL | +86 bps | $317 million |
| 24 | Merck Employees Federal Credit Union | Rahway, NJ | +83 bps | $1.7 billion |
| 25 | North Star Credit Union | Cook, MN | +81 bps | $116 million |
| 26 | Self Reliance Financial Federal Credit Union | New York, NY | +80 bps | $2.0 billion |
| 27 | New Hampshire Federal Credit Union | Concord, NH | +79 bps | $332 million |
| 28 | Vicinity Credit Union | Chicago, IL | +79 bps | $204 million |
| 29 | Powernet Credit Union | Tampa, FL | +79 bps | $125 million |
| 30 | Essential Credit Union | Baton Rouge, LA | +79 bps | $434 million |
| 31 | Texoma Educators Federal Credit Union | Sherman, TX | +77 bps | $128 million |
| 32 | One Community Federal Credit Union | Parkersburg, WV | +77 bps | $101 million |
| 33 | Bowater Employees Credit Union | Calhoun, TN | +75 bps | $303 million |
| 34 | Arsenal Credit Union | Arnold, MO | +75 bps | $387 million |
| 35 | First Community Credit Union | Houston, TX | +75 bps | $3.1 billion |
| 36 | Hawaii Federal Credit Union | Honolulu, HI | +72 bps | $104 million |
| 37 | The Family Credit Union | Davenport, IA | +70 bps | $253 million |
| 38 | Deepwater Industries Federal Credit Union | Deepwater, NJ | +70 bps | $114 million |
| 39 | Trailhead Federal Credit Union | Portland, OR | +68 bps | $156 million |
| 40 | Expree Credit Union | Frankfort, KY | +67 bps | $119 million |
| 41 | Railroad Credit Union | Irondale, AL | +67 bps | $101 million |
| 42 | Meritrust Credit Union | Broomfield, CO | +66 bps | $4.1 billion |
| 43 | Caro Federal Credit Union | Columbia, SC | +65 bps | $175 million |
| 44 | People'S Alliance Federal Credit Union | Hauppauge, NY | +65 bps | $322 million |
| 45 | Great Lakes Credit Union | Bannockburn, IL | +64 bps | $1.4 billion |
| 46 | Rhode Island Credit Union | Warwick, RI | +64 bps | $425 million |
| 47 | Salal Credit Union | Seattle, WA | +63 bps | $1.2 billion |
| 48 | Greater Springfield Credit Union | Springfield, MA | +63 bps | $230 million |
| 49 | Trunorth Federal Credit Union | Ishpeming, MI | +62 bps | $203 million |
| 50 | Freedom of Maryland Federal Credit Union | Bel Air, MD | +62 bps | $557 million |
| 51 | Park Federal Credit Union | Louisville, KY | +62 bps | $1.4 billion |
| 52 | Siskiyou Credit Union | Yreka, CA | +61 bps | $144 million |
| 53 | United Consumers Credit Union | Independence, MO | +60 bps | $217 million |
| 54 | Center Parc Credit Union | Atlanta, GA | +60 bps | $2.4 billion |
| 55 | Addition Financial Credit Union | Lake Mary, FL | +59 bps | $3.8 billion |
| 56 | Align Credit Union | Lowell, MA | +59 bps | $651 million |
| 57 | Employee Resources Credit Union | Lawrenceburg, TN | +59 bps | $186 million |
| 58 | South Metro Federal Credit Union | Prior Lake, MN | +58 bps | $185 million |
| 59 | Glendale Federal Credit Union | Glendale, CA | +57 bps | $103 million |
| 60 | Coasthills Federal Credit Union | Santa Maria, CA | +57 bps | $1.8 billion |
| 61 | Broward Healthcare Federal Credit Union | Fort Lauderdale, FL | +57 bps | $134 million |
| 62 | Cabrillo Credit Union | San Diego, CA | +56 bps | $574 million |
| 63 | Utah Power Credit Union | Murray, UT | +56 bps | $1.1 billion |
| 64 | Jm Associates Federal Credit Union | Jacksonville, FL | +56 bps | $151 million |
| 65 | Bragg Mutual Federal Credit Union | Fayetteville, NC | +56 bps | $131 million |
| 66 | Advanced Financial Federal Credit Union | New Providence, NJ | +55 bps | $107 million |
| 67 | Telco Plus Credit Union | Longview, TX | +55 bps | $124 million |
| 68 | Everence Federal Credit Union | Lancaster, PA | +55 bps | $450 million |
| 69 | White Eagle Credit Union | Augusta, KS | +55 bps | $199 million |
| 70 | North Star Community Credit Union | Cherokee, IA | +55 bps | $149 million |
| 71 | The Police Credit Union | San Bruno, CA | +55 bps | $1.0 billion |
| 72 | Compass Credit Union | Sparta, MI | +55 bps | $101 million |
| 73 | Hawaii State Federal Credit Union | Honolulu, HI | +54 bps | $2.9 billion |
| 74 | Corazo Credit Union | El Centro, CA | +54 bps | $244 million |
| 75 | Encompass Federal Credit Union | Tipton, IN | +54 bps | $241 million |
| 76 | Island Federal Credit Union | Hauppauge, NY | +54 bps | $1.3 billion |
| 77 | Launch Credit Union | Merritt Island, FL | +54 bps | $1.4 billion |
| 78 | Telcoe Federal Credit Union | Little Rock, AR | +54 bps | $503 million |
| 79 | Legacy Community Federal Credit Union | Birmingham, AL | +53 bps | $727 million |
| 80 | Dominion Energy Credit Union | North Chesterfi, VA | +52 bps | $336 million |
| 81 | Frontwave Credit Union | Oceanside, CA | +52 bps | $1.7 billion |
| 82 | Sky Federal Credit Union | Livingston, MT | +52 bps | $197 million |
| 83 | Cse Federal Credit Union | Lake Charles, LA | +52 bps | $446 million |
| 84 | Mainstreet Federal Credit Union | Lenexa, KS | +51 bps | $703 million |
| 85 | Commodore Perry Federal Credit Union | Oak Harbor, OH | +51 bps | $102 million |
| 86 | Hometown Credit Union | Kulm, ND | +51 bps | $223 million |
| 87 | Jefferson Parish Employees Federal Credit Union | Harahan, LA | +51 bps | $166 million |
| 88 | Star USA Federal Credit Union | Charleston, WV | +51 bps | $153 million |
| 89 | Affinity Credit Union | Des Moines, IA | +51 bps | $154 million |
| 90 | Barksdale Federal Credit Union | Barksdale Afb, LA | +51 bps | $2.5 billion |
| 91 | Sharefax Credit Union | Cincinnati, OH | +51 bps | $721 million |
| 92 | St. Anne'S Credit Union | Fall River, MA | +51 bps | $1.4 billion |
| 93 | Century Heritage Federal Credit Union | Pittsburgh, PA | +50 bps | $289 million |
| 94 | Canopy Federal Credit Union | Spokane, WA | +50 bps | $222 million |
| 95 | Gulf Coast Community Federal Credit Union | Gulfport, MS | +50 bps | $126 million |
| 96 | Signet Federal Credit Union | Paducah, KY | +50 bps | $398 million |
| 97 | Sunrise Family Credit Union | Bay City, MI | +50 bps | $133 million |
| 98 | Tucoemas Federal Credit Union | Visalia, CA | +50 bps | $332 million |
| 99 | Central State Credit Union | Stockton, CA | +50 bps | $258 million |
| 100 | Access Community Credit Union | Amarillo, TX | +50 bps | $211 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings