RANKING · Q2 2026

Lowest efficiency ratio

1817 of 4299 credit unions that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: NCUA Call Report data.

Lowest efficiency ratio, Q2 2026
Rank	Institution	Headquarters	Efficiency ratio (noninterest expense / revenue)	Total assets
1	Brotherhood Credit Union	Lynn, MA	22.2%	$125 million
2	Mon Valley Community Federal Credit Union	Allenport, PA	26.8%	$193 million
3	Workmen'S Circle Incorporated Credit Union	Savannah, GA	27.4%	$135 million
4	Educators Credit Union	Waco, TX	32.6%	$610 million
5	Aflac Federal Credit Union	Columbus, GA	33.5%	$134 million
6	Port Washington Federal Credit Union	Port Washington, NY	33.8%	$110 million
7	Chevron Federal Credit Union	Concord, CA	33.9%	$5.4 billion
8	Firestone Federal Credit Union	Akron, OH	34.7%	$198 million
9	Moog Employees Federal Credit Union	East Aurora, NY	35.5%	$257 million
10	Long Beach Firemen S Credit Union	Long Beach, CA	37.3%	$201 million
11	Lincoln County Credit Union	Libby, MT	37.5%	$187 million
12	Merck Employees Federal Credit Union	Rahway, NJ	37.8%	$1.7 billion
13	Schlumberger Employees Credit Union	Sugar Land, TX	38.1%	$936 million
14	F & A Federal Credit Union	Monterey Park, CA	38.2%	$3.2 billion
15	Freedom Northwest Credit Union	Kamiah, ID	38.5%	$693 million
16	Community Credit Union	New Rockford, ND	38.9%	$172 million
17	Alliant Credit Union	Chicago, IL	39.3%	$20.0 billion
18	Connecticut State Employees Credit Union	Hartford, CT	39.4%	$2.7 billion
19	State Farm Federal Credit Union	Bloomington, IL	39.5%	$5.7 billion
20	Tapco Credit Union	Fircrest, WA	40.8%	$736 million
21	Utah Power Credit Union	Murray, UT	40.8%	$1.1 billion
22	Police & Fire Federal Credit Union	Philadelphia, PA	41.9%	$10.2 billion
23	Eastman Credit Union	Kingsport, TN	41.9%	$10.2 billion
24	Genisys Credit Union	Auburn Hills, MI	42.0%	$6.6 billion
25	Greater Community Credit Union	Dawson, MN	42.0%	$297 million
26	Caribe Federal Credit Union	San Juan, PR	42.2%	$800 million
27	Employees Credit Union	Estherville, IA	42.7%	$203 million
28	Esl Federal Credit Union	Rochester, NY	43.1%	$10.8 billion
29	Cedar Falls Community Credit Union	Cedar Falls, IA	43.3%	$252 million
30	Mcbryde Federal Credit Union	Eleele, HI	43.7%	$103 million
31	Wcla Credit Union	Olympia, WA	43.8%	$142 million
32	Zeal Credit Union	Livonia, MI	44.6%	$1.1 billion
33	Acipco Federal Credit Union	Birmingham, AL	44.6%	$221 million
34	Community First Credit Union	Appleton, WI	45.5%	$6.8 billion
35	University of Hawaii Federal Credit Union	Honolulu, HI	45.6%	$976 million
36	Resource One Credit Union	Dallas, TX	45.6%	$555 million
37	Michigan Schools and Government Credit Union	Clinton Townshi, MI	46.2%	$4.4 billion
38	Co-Op Credit Union of Montevideo	Montevideo, MN	46.5%	$423 million
39	Missouri Electric Cooperatives Empl Credit Union	Jefferson City, MO	46.6%	$397 million
40	Communitywide Federal Credit Union	South Bend, IN	46.6%	$874 million
41	Wailuku Federal Credit Union	Kahului, HI	46.6%	$135 million
42	First Choice America Community Federal Credit Union	Weirton, WV	47.0%	$714 million
43	Utica Gas & Electric Emp Federal Credit Union	New Hartford, NY	47.9%	$136 million
44	Pennsylvania State Employees Credit Union	Harrisburg, PA	48.0%	$9.7 billion
45	Utah Community Federal Credit Union	Provo, UT	48.1%	$4.0 billion
46	Greater Woodlawn Federal Credit Union	Blasdell, NY	48.2%	$168 million
47	Boulder Dam Credit Union	Boulder City, NV	48.4%	$872 million
48	Heartland Credit Union	Hutchinson, KS	48.7%	$726 million
49	Elko Federal Credit Union	Elko, NV	48.9%	$351 million
50	Elevate Federal Credit Union	Brigham City, UT	49.2%	$260 million
51	Cascade Community Federal Credit Union	Roseburg, OR	49.4%	$465 million
52	C-B-W Schools Federal Credit Union	Sidman, PA	49.4%	$132 million
53	America First Federal Credit Union	Riverdale, UT	49.7%	$26.0 billion
54	Stark Federal Credit Union	Canton, OH	50.0%	$218 million
55	Communication Federal Credit Union	Oklahoma City, OK	50.0%	$2.4 billion
56	Lesco Federal Credit Union	Latrobe, PA	50.1%	$135 million
57	Randolph-Brooks Federal Credit Union	Universal City, TX	50.1%	$19.6 billion
58	Eecu Credit Union	Fort Worth, TX	50.1%	$4.9 billion
59	Abilene Teachers Federal Credit Union	Abilene, TX	50.3%	$690 million
60	Dow Credit Union	Midland, MI	50.4%	$2.6 billion
61	Qualstar Credit Union	Bothell, WA	50.4%	$939 million
62	The Health & Education Federal Credit Union	Lexington, KY	50.4%	$126 million
63	Jackson River Community Credit Union	Covington, VA	50.5%	$133 million
64	All in Federal Credit Union	Daleville, AL	50.6%	$3.7 billion
65	Quorum Federal Credit Union	Purchase, NY	50.6%	$1.4 billion
66	City Employees Credit Union	Knoxville, TN	51.1%	$115 million
67	Lincoln Maine Federal Credit Union	Lincoln, ME	51.1%	$163 million
68	Hughes Federal Credit Union	Tucson, AZ	51.1%	$2.6 billion
69	Hibbing Cooperative Credit Union	Hibbing, MN	51.2%	$109 million
70	Fort Bragg Federal Credit Union	Fayetteville, NC	51.4%	$690 million
71	Meridia Community Federal Credit Union	Hamburg, NY	51.5%	$144 million
72	Civic Central Credit Union	Jefferson City, MO	51.7%	$105 million
73	Veridian Credit Union	Waterloo, IA	51.8%	$9.2 billion
74	Nasa Federal Credit Union	Upper Marlboro, MD	51.8%	$5.8 billion
75	Johnsonville Tva Employees Credit Union	Camden, TN	51.9%	$181 million
76	Crossroads Financial Federal Credit Union	Portland, IN	52.2%	$102 million
77	Mayo Employees Federal Credit Union	Rochester, MN	52.4%	$1.5 billion
78	Grove City Area Federal Credit Union	Grove City, PA	52.5%	$153 million
79	First South Financial Federal Credit Union	Bartlett, TN	52.7%	$845 million
80	Redwood Credit Union	Santa Rosa, CA	52.7%	$10.7 billion
81	Nebraska Energy Federal Credit Union	Columbus, NE	52.8%	$328 million
82	Citizens Equity First Credit Union	Peoria, IL	52.8%	$8.5 billion
83	Families and Schools Together Federal Credit Union	Hanford, CA	52.9%	$330 million
84	Knoxville Tva Employees Credit Union	Knoxville, TN	53.2%	$5.3 billion
85	Safe 1 Credit Union	Bakersfield, CA	53.2%	$1.2 billion
86	S. C. State Federal Credit Union	Columbia, SC	53.3%	$1.5 billion
87	Heartland Credit Union	Springfield, IL	53.3%	$574 million
88	San Joaquin Power Employees Credit Union	Fresno, CA	53.5%	$175 million
89	Dfcu Financial Credit Union	Dearborn, MI	53.5%	$8.0 billion
90	Robins Financial Credit Union	Warner Robins, GA	53.6%	$5.0 billion
91	Cottonwood Community Federal Credit Union	Cottonwood, ID	53.6%	$286 million
92	Family Security Credit Union	Decatur, AL	53.6%	$1.1 billion
93	Directions Credit Union	Toledo, OH	53.7%	$1.4 billion
94	Interstate Credit Union	Jesup, GA	53.7%	$411 million
95	Operating Engineers Local Union #3 Federal Credit Union	Livermore, CA	53.9%	$1.7 billion
96	Members 1st Federal Credit Union	Enola, PA	53.9%	$8.7 billion
97	Datcu Credit Union	Denton, TX	53.9%	$1.8 billion
98	Harris County Federal Credit Union	Houston, TX	53.9%	$223 million
99	Westex Community Credit Union	Kermit, TX	54.0%	$231 million
100	Educational Employees Credit Union	Fresno, CA	54.0%	$5.4 billion

Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings