Largest Credit Unions in the U.S. 2026: Credit unions do not match the reach of the largest US banks. Still, top member-owned lenders handle hundreds of billions in assets and work with millions of customers.
Largest Credit Unions in the U.S. 2026
Using the newest figures for the first quarter of 2026, Navy Federal Credit Union is still the top choice. The numbers cover the period ending March 31, 2026. The list below uses total assets. That is the usual yardstick for comparing how large these institutions are. These figures come from NCUA Call Report data.
| Rank | Credit Union | Headquarters | Total Assets |
|---|---|---|---|
| 1 | Navy Federal Credit Union | Vienna, Virginia | $203.6 billion |
| 2 | State Employees’ Credit Union | Raleigh, North Carolina | $59.8 billion |
| 3 | SchoolsFirst Federal Credit Union | Tustin, California | $36.7 billion |
| 4 | Boeing Employees Credit Union (BECU) | Tukwila, Washington | $30.0 billion |
| 5 | Pentagon Federal Credit Union (PenFed) | Virginia | $29.4 billion |
| 6 | First Technology Federal Credit Union | San Jose, California | $28.6 billion |
| 7 | America First Federal Credit Union | Riverdale, Utah | $24.7 billion |
| 8 | Mountain America Credit Union | Sandy, Utah | $22.7 billion |
| 9 | The Golden 1 Credit Union | Sacramento, California | $21.7 billion |
| 10 | Suncoast Credit Union | Tampa, Florida | $20.5 billion |
Asset figures are based on the latest available Q1 2026 NCUA Call Report cycle, ending March 31, 2026.
1. Navy Federal Credit Union
Navy Federal Credit Union stands out. It holds more than $203 billion in assets. That makes it the biggest credit union in the United States. Its total is over three times the size of the next institution on the list.
Navy Federal mainly works with active-duty service members, veterans, and people who work for the Department of Defense. It also serves family members who are eligible. As of March 31, 2026, it said it had about 15.3 million members. It also reported $203.5 billion in assets.
2. State Employees’ Credit Union
It is often called SECU. It is one of the largest credit unions tied to a single state. SECU is based in North Carolina. SECU built its standing by focusing on state workers and other public-sector employees. It also serves additional people who qualify. It has nearly $60 billion in assets. That keeps it in second place in the country.
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3. SchoolsFirst Federal Credit Union
It is the biggest credit union that focuses on the education field. Many members work at schools or are tied to educational institutions in California. By the end of the first quarter of 2026, it reported about $36.7 billion in assets. With that number, it placed third in the U.S.
4. Boeing Employees Credit Union (BECU)
BECU started as a credit union tied to Boeing staff. It has since expanded well past that early group and now ranks among the largest credit unions in the nation. In Washington state, BECU posted a little more than $30 billion in assets in the most recent ranking figures.
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5. Pentagon Federal Credit Union (PenFed)
PenFed is a widely known name in U.S. credit unions. Even though it grew out of Pentagon ties, its membership has broadened a lot over time. By the end of March 2026, PenFed listed about $29.4 billion in assets. That left it a close second to BECU for the No. 5 spot.
6. First Technology Federal Credit Union
First Tech Federal Credit Union is linked to the tech industry. It serves workers at partner companies and organizations, plus eligible relatives. Its assets came in at roughly $28.6 billion. On the latest 2026 data, it landed in the top six.
7. America First Federal Credit Union
America First Credit Union is one of the biggest regional credit union stories. It is based in Utah and serves members in several states. It also provides many consumer banking and loan options. In the first quarter of 2026, the credit union reported about $24.7 billion in assets.
8. Mountain America Credit Union
Mountain America Credit Union is a credit union based in Utah that has expanded far beyond its home state. By the end of March 2026, its assets were near $22.7 billion.
9. Golden 1 Credit Union
Golden 1 Credit Union is among the biggest financial groups in California. It also has a strong track record with state workers and with people who meet the membership rules.
The credit union said it had about $21.7 billion in total assets. That placed it ninth in the national ranking.
10. Suncoast Credit Union
Suncoast Credit Union finishes the top 10 list with assets of roughly $20.5 billion. It is headquartered in Florida. Over time, it has grown into one of the largest credit unions in the Southeast. It keeps serving members who qualify under its membership area.
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Why Credit Unions Continue To Grow?
The new ranking is coming out while the U.S. credit union sector keeps growing. The National Credit Union Administration says federally insured credit unions had $2.48 trillion in assets in the first quarter of 2026. That is $117 billion more than a year earlier, a rise of 4.9%. Total membership reached 145.8 million. At the same time, the count of federally insured credit unions slipped to 4,250 as mergers and consolidation kept going.
This mix of growth and consolidation is one reason big credit unions have gained more weight. Smaller credit unions still matter a lot to the cooperative finance system. Still, the top institutions now work on a larger scale than most people would have predicted years ago.
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Credit Unions Vs. Banks: What’s The Difference?
One key point is who owns the place. Banks are usually run for shareholders. Credit unions are cooperative and are owned by their members.
Credit unions also tend to be set up for a specific group. That can mean an employer, a job field, military service, a local area, or another qualifying link. The rules for joining are not the same everywhere. So a person may not be able to join even if a credit union is among the largest.
