The nation's 10 largest credit unions by assets at the end of 2025 were the same cast of Top 10 credit unions for the past year or so. But big changes are afoot.
Digital Federal Credit Union of Marlborough, Mass., had $13.1 billion in assets and 1.1 million members on Dec. 31, the day before it completed its acquisition of First Tech Federal Credit Union of San Jose, Calif. ($16.4 billion in assets, 709,298 members).
The merged credit union, which is operating under the First Tech name, now has $29.5 billion in assets and 1.9 million members. Had the merger been completed Dec. 31, it would have been ranked as the fourth-largest credit union just ahead of BECU.
Also on Jan. 1, Ent Credit Union of Colorado Springs, Colo. ($10 billion in assets, 590,486 members on Dec. 31) completed its acquisition of Wings Financial Credit Union of Minneapolis-Saint Paul ($9.3 billion in assets, 384,731 members). The combined credit union started the year with $19.3 billion in assets and 975,217 members, which would have ranked it No. 11, just behind Alliant and pushing Suncoast off the list at No. 12.
As it was, December's Top 10 and their results were:
1. Navy Federal Credit Union of Vienna, Va. ($197.2 billion in assets, 15.1 million members) earned $441.9 million in the fourth quarter, or 0.94% ROA, up from 0.51% a year earlier and down from 1.16% in the third quarter.
2. State Employees' Credit Union of Raleigh, N.C. ($58.1 billion in assets, three million members) earned $104.8 million in the fourth quarter, or 0.75% ROA, up from 0.31% a year earlier and down from 0.84% in the third quarter.
3. SchoolsFirst Federal Credit Union of Santa Ana, Calif. ($35.4 billion in assets, 1.5 million members) earned $57.8 million in the fourth quarter, or 0.69% ROA, up from 0.62% a year earlier and down from 1.03% in the third quarter.
4. BECU of Tukwila, Wash., by Seattle ($29.4 billion in assets, 1.6 million members) earned $51.7 million in the fourth quarter, or 0.7% ROA, up from 0.40% a year earlier and up from 0.33% in the third quarter.
5. PenFed Credit Union of Tysons, Va., by Washington, D.C. ($29.3 billion in assets, 2.8 million members) earned $39.2 million in the fourth quarter, or 0.52% ROA, up from -0.27% a year earlier and up from 0.38% in the third quarter.
6. America First Federal Credit Union of Riverdale, Utah ($23.8 billion in assets, 1.6 million members) earned $79.5 million in the fourth quarter, or 1.40% ROA, up from 1.39% a year earlier and down from 1.78% in the third quarter.
7. Mountain America Federal Credit Union of Salt Lake City ($21.9 billion in assets, 1.4 million members) earned $50.4 million in the fourth quarter, or 0.96% ROA, up from 0.86% a year earlier and down from 1.08% in the third quarter.
8. Golden 1 Credit Union of Sacramento, Calif. ($21.5 billion in assets, 1.2 million members) earned $23.5 million in the fourth quarter, or 0.46% ROA, down from 0.48% a year earlier and down from 0.62% in the third quarter.
9. Alliant Credit Union of Chicago ($20.3 billion in assets, 923,396 members) earned $19.8 million in the fourth quarter, or 0.40% ROA, up from -0.02% a year earlier and down from 0.61% in the third quarter.
10. Suncoast Credit Union of Tampa, Fla. ($19.7 billion in assets, 1.4 million members) earned $49.3 million in the fourth quarter, or 1.05% ROA, up from 0.35% a year earlier and down from 1.38% in the third quarter.
Contact Jim DuPlessis at Jim.DuPlessis@arc-network.com.
© Arc, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to TMSalesOperations@arc-network.com. For more information visit Asset & Logo Licensing.