The 25 Largest Credit Unions in the US by Assets (2025)

The US has over 4,300 federally-insured credit unions. Most are small — community-focused institutions with a few thousand members and tens of millions in assets. But at the top of the list sit institutions that rival mid-sized banks in scale. Here are the 25 largest by total assets, based on NCUA 5300 Call Report data.

NAVY FEDERAL CREDIT UNION stands alone

With over $204 billion in assets and 15,350,733 members, NAVY FEDERAL CREDIT UNION is in a category of its own. It's not just the largest credit union in the country — it's roughly 3x the size of the second-largest (STATE EMPLOYEES').

For context: $204 billion in assets would rank NAVY FEDERAL CREDIT UNION among the top 20 largest banks in the US — larger than Ally Bank, Discover, and many regional banks.

Source: NCUA 5300 Call Reports (latest cycle). Assets in billions USD. Data updates daily.

Regional concentration

California has the most large credit unions on this list — SchoolsFirst, First Technology, The Golden 1, and Redwood are all headquartered there. Virginia claims two of the largest, largely because both Navy Federal and PenFed are headquartered there — though both serve members nationally. Utah is home to America First and Mountain America, which have both grown aggressively through branch expansion and auto loans.

Field of membership matters

Membership eligibility varies significantly. Some large credit unions serve narrow groups — SchoolsFirst was founded for school employees, Eastman serves workers at Eastman Chemical — while others like Alliant, Lake Michigan, and Redwood have effectively open membership, allowing anyone to join through a qualifying donation or association. Membership eligibility is listed on every credit union profile on Bank Scorer.

Size doesn't equal safety

All federally-insured credit unions carry NCUA coverage up to $250,000 per depositor per ownership category — the same protection offered by FDIC insurance for banks. Size is not a proxy for financial strength. The NCUA uses a “Well Capitalized” threshold of 7% net worth ratio. Most credit unions on this list exceed that threshold comfortably, but it's worth checking each institution's net worth classification on their profile.