Top Community Banks Based on Return on Average Equity

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Top Community Banks Based on Return on Average Equity

Credit Unions with the Largest Credit Card Loan Balances
On Dec. 31, 2003. Dollars in thousands
Published April 28, 2004
    2003 2002 Change Number of loans Assets
1 Navy Federal Credit Union Merrifield, Va. $1,604,038 $1,458,394 9.99% 561,092 $20,039,756
2 Pentagon Federal Credit Union Alexandria, Va. 557,937 529,483 5.37 301,788 6,057,833
3 Boeing Employees Credit Union Tukwila, Wash. 248,017 248,542 -0.21 140,579 4,672,619
4 Suncoast Schools Federal Credit Union Tampa 228,343 167,115 36.64 99,957 3,935,904
5 Pennsylvania State Employees Credit Union Harrisburg 221,705 213,859 3.67 92,533 2,136,799
6 Digital Federal Credit Union Marlborough, Mass. 199,771 188,240 6.13 111,451 2,186,720
7 Orange County Teachers FCU Santa Ana, Calif. 186,124 150,814 23.41 129,854 4,562,145
8 Vystar Credit Union Jacksonville, Fla. 176,755 164,701 7.32 67,543 2,687,971
9 Golden 1 Credit Union Sacramento 154,652 165,039 -6.29 70,514 4,860,270
10 America First Credit Union Ogden, Utah 148,196 NA NA 89,544 2,723,046
11 State Employees Credit Union Raleigh 134,526 127,109 5.84 151,023 11,339,309
12 Virginia Credit Union Inc. Richmond 133,156 121,801 9.32 35,236 1,161,145
13 Security Service Federal Credit Union San Antonio 127,310 116,221 9.54 52,880 3,185,393
14 Patelco Credit Union San Francisco 122,660 106,300 15.39 41,256 3,117,293
15 Redstone Federal Credit Union Huntsville, Ala. 116,742 107,110 8.99 41,659 1,591,163
16 Delta Employees Credit Union Atlanta 104,296 102,318 1.93 47,592 2,501,212
17 Baxter Credit Union Vernon Hills, Ill. 99,260 95,801 3.61 38,508 879,976
18 Randolph Brooks Federal Credit Union Universal City, Tex. 94,135 90,150 4.42 45,723 2,087,453
19 Michigan State University Federal Credit Union East Lansing 93,482 83,673 11.72 36,164 1,083,781
20 Kinecta Federal Credit Union Manhattan Beach, Calif. 89,338 103,001 -13.26 31,734 2,919,747
21 GTE Federal Credit Union Tampa 89,088 84,610 5.29 36,712 1,669,494
22 San Diego County Credit Union San Diego 87,964 85,865 2.44 49,439 2,463,541
23 Wescom Credit Union Pasadena, Calif. 87,917 76,842 14.41 62,667 2,515,526
24 Municipal Credit Union New York 86,479 86,546 -0.08 31,375 1,143,154
25 Arizona Federal Credit Union Phoenix 83,760 76,286 9.8 26,555 1,168,591
26 Kern Schools Federal Credit Union Bakersfield, Calif. 81,899 73,635 11.22 34,400 1,231,904
27 Travis Federal Credit Union Vacaville, Calif. 79,073 79,846 -0.97 41,767 1,320,543
28 Affinity Federal Credit Union Basking Ridge, N.J. 78,644 82,231 -4.36 47,926 1,279,161
29 Mission Federal Credit Union San Diego 78,073 74,889 4.25 28,109 1,693,559
30 First Technology Credit Union Beaverton, Ore. 76,360 70,481 8.34 37,328 1,439,605
31 Bellco Federal Credit Union Greenwood Village, Colo. 73,579 69,549 5.79 48,279 1,353,788
32 Mountain America Credit Union Salt Lake City 72,683 NA NA 41,279 1,267,728
33 Washington State Employees Credit Union Olympia 71,561 72,227 -0.92 40,399 1,040,363
34 Citizens Equity First Credit Union Peoria, Ill. 64,598 65,860 -1.92 34,473 2,569,179
35 Lockheed Federal Credit Union Burbank, Calif. 63,340 63,769 -0.67 43,279 1,802,966
36 John Deere Community Credit Union Waterloo, Iowa 61,428 48,599 26.4 32,816 858,657
37 Tower Federal Credit Union Laurel, Md. 60,828 55,474 9.65 33,415 1,314,591
38 ESL Federal Credit Union Rochester, N.Y. 60,793 49,764 22.16 33,523 2,588,574
39 Visions Federal Credit Union Endicott, N.Y. 59,753 59,967 -0.36 36,971 1,481,045
40 United Airlines Employees’ Credit Union Chicago 59,246 67,258 -11.91 41,280 4,352,392
41 United Nations Federal Credit Union New York 58,821 47,366 24.18 25,129 1,883,938
42 Hudson Valley Federal Credit Union Poughkeepsie, N.Y. 58,711 56,141 4.58 31,222 1,753,063
43 Texans Credit Union Richardson 57,892 64,711 -10.54 22,521 1,281,193
44 U.S. Airways Federal Credit Union Moon Township, Pa. 56,761 48,859 16.17 20,375 618,281
45 Watermark Credit Union Seattle 56,376 53,684 5.01 18,733 392,264
46 Government Employees Credit Union of El Paso 55,940 54,893 1.91 35,343 946,724
47 Chartway Federal Credit Union Virginia Beach 55,880 57,060 -2.07 23,130 921,668
48 Alaska USA Federal Credit Union Anchorage 55,851 59,355 -5.9 51,105 2,367,912
49 Members First Federal Credit Union Mechanicsburg, Pa. 54,031 48,373 11.7 23,691 858,730
50 South Carolina Credit Union Charleston 53,723 40,036 34.19 28,811 906,983
51 Tyndall Federal Credit Union Panama City, Fla. 52,148 54,834 -4.9 23,314 668,880
52 Safe Credit Union North Highlands, Calif. 51,189 47,732 7.24 25,650 1,078,359
53 Northwest Federal Credit Union Herndon, Va. 50,781 50,689 0.18 19,151 1,183,052
54 Educational Employees Credit Union Fresno 50,777 49,518 2.54 26,619 1,083,671
55 Western Federal Credit Union Manhattan Beach, Calif. 49,163 20,422 140.74 30,716 1,023,227
56 Coastal Federal Credit Union Raleigh 48,983 50,867 -3.7 19,623 1,297,186
57 Aberdeen Proving Ground Federal Credit Union Md. 48,858 49,594 -1.48 16,204 509,729
58 Dearborn Federal Credit Union Mich. 48,755 48,848 -0.19 37,246 1,636,159
59 Space Coast Credit Union Melbourne, Fla. 48,572 42,839 13.38 21,861 1,153,792
60 Schools Financial Credit Union Sacramento 48,461 53,265 -9.02 21,391 1,045,202
61 Bank Fund Staff Federal Credit Union Washington 48,387 46,697 3.62 24,174 1,769,682
62 Pacific Service Credit Union Walnut Creek, Calif. 47,656 40,596 17.39 20,174 964,690
63 Police and Fire Federal Credit Union Philadelphia 47,145 40,808 15.53 27,684 1,692,023
64 Public Service Employees Credit Union Denver 46,575 45,886 1.5 45,016 584,230
65 Truwest Credit Union Scottsdale, Ariz. 46,186 46,149 0.08 18,983 618,398
66 MacDill Federal Credit Union Tampa 45,546 42,709 6.64 17,315 1,360,600
67 Oregon Community Credit Union Eugene 45,212 47,074 -3.96 37,885 662,736
68 School Employees of Washington Credit Union Seattle 45,117 47,712 -5.44 13,647 599,664
69 Community America Credit Union Lenexa, Kan. 44,903 46,356 -3.13 28,025 1,343,886
70 Credit Union of Texas Dallas 44,634 44,958 -0.72 15,377 1,560,700
71 Educational Community Credit Union Jacksonville, Fla. 44,408 45,102 -1.54 14,356 770,343
72 Citadel Federal Credit Union Thorndale, Pa. 44,339 35,208 25.93 15,595 607,220
73 State Employee Credit Union of Maryland Linthicum 44,247 50,928 -13.12 24,524 1,397,044
74 American Eagle Federal Credit Union East Hartford, Conn. 43,966 43,673 0.67 24,847 779,326
75 State Department Federal Credit Union Alexandria, Va. 43,648 42,677 2.28 18,001 719,323
76 Service Credit Union Portsmouth, N.H. 42,402 43,088 -1.59% 16,311 854,039
77 Founders Federal Credit Union Lancaster, S.C. 42,169 39,122 7.79 16,283 943,512
78 NASA Federal Credit Union Bowie, Md. 41,996 38,788 8.27 16,137 651,044
79 Addison Avenue Federal Credit Union Palo Alto , Calif. 41,872 39,171 6.9 22,108 1,707,638
80 NWA Federal Credit Union Apple Valley, Minn. 41,826 38,204 9.48 24,486 1,451,718
81 Atlanta Postal Credit Union 41,629 41,251 0.92 22,372 1,444,866
82 Direct Federal Credit Union Needham, Mass. 41,381 45,546 -9.14 14,577 508,992
83 Northeast Credit Union Portsmouth, N.H. 41,130 37,234 10.46 17,667 380,334
84 Allegacy Federal Credit Union Winston-Salem, N.C. 41,015 33,776 21.43 19,904 906,359
85 Anheuser-Busch Employees Credit Union St. Louis 40,988 36,921 11.02 27,341 658,653
86 United Services of America Federal Credit Union San Diego 40,883 41,847 -2.3 14,371 630,857
87 University Federal Credit Union Austin 40,319 35,455 13.72 19,665 594,682
88 Firstmark Credit Union San Antonio 40,140 32,773 22.48 12,788 461,377
89 Capital Communications Federal Credit Union Albany, N.Y. 40,073 35,586 12.61 13,607 357,503
90 University of Colorado Federal Credit Union Boulder 39,930 35,418 12.74 21,497 632,713
91 IBM Southeast Employees FCU Boca Raton, Fla. 38,669 40,025 -3.39 14,367 592,161
92 American First Credit Union La Habra, Calif. 38,491 37,749 1.97 18,020 576,085
93 Wright Patman Congressional FCU Washington 38,265 37,246 2.74 13,531 437,846
94 Langley Federal Credit Union Hampton, Va. 38,100 34,866 9.28 10,630 994,831
95 University of Wisconsin Credit Union Madison 37,767 33,849 11.57 18,942 688,334
96 Affinity Plus Federal Credit Union St. Paul 37,310 36,083 3.4 17,979 885,513
97 Technology Credit Union San Jose, Calif. 36,806 37,602 -2.12 18,104 1,105,394
98 Keesler Federal Credit Union Biloxi, Miss. 36,110 29,968 20.5 19,290 914,009
99 First Credit Union Tempe, Ariz. 36,073 36,309 -0.65 41,370 414,672
100 Redwood Credit Union Santa Rosa, Calif. 36,020 35,116 2.57 23,404 964,654
101 Think Federal Credit Union Rochester, Minn. 35,630 33,734 5.62 18,009 1,107,328
102 Georgia Telco Credit Union Atlanta 35,500 31,854 11.45 22,477 965,192
103 AEDC Federal Credit Union Tullahoma, Tenn. 35,282 37,043 -4.75 19,237 952,535
104 U.S. Federal Credit Union Burnsville, Minn. 35,220 34,178 3.05 18,519 506,522
105 Honda Federal Credit Union Torrance, Calif. 34,879 33,133 5.27 18,906 366,720
106 San Antonio Federal Credit Union Tex. 34,790 35,015 -0.64 15,690 1,633,314
107 Tinker Federal Credit Union Tinker AFB, Okla. 34,630 31,297 10.65 28,310 1,269,609
108 Spokane Teachers Credit Union Liberty Lake, Wash. 34,627 30,479 13.61 12,908 634,464
109 Max Federal Credit Union Montgomery, Ala. 34,414 28,950 18.87 14,321 587,649
110 Dupage Credit Union Naperville, Ill. 34,277 32,119 6.72 14,372 212,150
111 Robins Federal Credit Union Warner Robins, Ga. 34,237 30,663 11.66 18,528 798,203
112 Star One Credit Union Sunnyvale, Calif. 33,801 35,416 -4.56 14,513 2,644,071
113 Commonwealth Credit Union Frankfort, Ky. 33,688 31,112 8.28 18,980 598,658
114 Mazuma Credit Union Kansas City, Mo. 33,624 34,626 -2.89 12,586 286,177
115 San Mateo Credit Union Redwood City, Calif. 33,547 35,903 -6.56 17,259 517,684
116 Lockheed Georgia Employees Federal Credit Union Marietta 33,358 32,906 1.37 15,187 547,697
117 Colorado State Employees Credit Union Denver 32,959 32,393 1.75 15,719 647,061
118 Vantage Credit Union Bridgeton, Mo. 32,902 31,653 3.95 14,438 433,760
119 Andrews Federal Credit Union Suitland, Md. 32,092 30,680 4.6 19,613 703,448
120 Associated Credit Union Norcross, Ga. 31,994 32,318 -1 14,603 716,641
121 Truliant Credit Union Winston Salem, N.C. 31,837 31,554 0.9 31,583 927,131
122 Twin County Credit Union Olympia, Wash. 31,485 31,740 -0.8 13,782 464,449
123 Vista Federal Credit Union Burbank, Calif. 31,469 28,515 10.36 9,889 368,598
124 Fairwinds Credit Union Orlando 31,071 30,788 0.92 14,782 945,557
125 Nationwide Federal Credit Union Columbus, Ohio 30,987 31,375 -1.24 13,579 428,054
126 Sikorsky Financial Credit Union Stratford, Conn. 30,986 29,829 3.88 14,216 480,909
127 Bethpage Federal Credit Union N.Y. 30,965 29,213 6 15,049 1,744,508
128 Wright-Patt Credit Union Fairborn, Ohio 30,662 29,156 5.17 15,739 947,021
129 General Electric Evenda Employees FCU Cincinnati 30,450 31,079 -2.02 13,947 583,362
130 Justice Federal Credit Union Washington 29,784 29,014 2.65 13,051 314,128
131 Selco Credit Union Eugene, Ore. 29,756 28,909 2.93 12,418 518,048
132 Metropolitan Credit Union Chelsea, Mass. 29,349 28,191 4.11 16,704 517,267
133 Safe Federal Credit Union Sumter, S.C. 29,323 29,133 0.65 9,442 408,240
134 Tropical Financial Credit Union Miami 28,971 24,273 19.35 13,492 603,348
135 Provident Federal Credit Union Redwood City, Calif. 28,754 27,256 5.5 24,141 1,198,952
136 Riverside County’s Credit Union Riverside, Calif. 28,521 25,414 12.23 15,484 540,957
137 Great Lakes Credit Union North Chicago, Ill. 28,452 26,706 6.54 11,625 358,236
138 USA Federal Credit Union Troy, Mich. 28,407 28,420 -0.05 17,654 583,364
139 Motorola Employees Credit Union Schaumburg, Ill. 28,119 29,481 -4.62 17,591 448,729
140 Heritage Trust Federal Credit Union Charleston, S.C. 27,987 26,557 5.38 12,280 411,084
141 Seven Seventeen Credit Union Warren, Ohio 27,914 26,497 5.35 10,670 523,847
142 New Mexico Educators Federal Credit Union Albuquerque 27,831 29,803 -6.62 25,280 649,320
143 Marine Federal Credit Union Jacksonville, N.C. 27,743 26,101 6.29 20,256 451,255
144 American Heritage Federal Credit Union Philadelphia 27,710 24,553 12.86 14,231 404,701
145 California Coast Credit Union San Diego 27,575 28,340 -2.7 12,999 737,587
146 Meriwest Credit Union San Jose, Calif. 27,506 42,549 -35.35 11,851 901,455
147 Northwest Community Credit Union Eugene, Ore. 27,466 25,463 7.87 11,343 405,963
148 Central Florida Educators Federal Credit Union Orlando 27,390 27,337 0.19 25,322 760,976
149 First Community Credit Union Ellisville, Mo. 27,112 27,626 -1.86 14,510 983,634
150 Florida Telco Credit Union Jacksonville 27,023 33,560 -19.48 14,526 340,967


Source: Shesunoff Information Services, a division of Thomson Corp.
© 2004 American Banker