Short answer: Not in the standard figures. County deposit market share is usually built from the FDIC's Summary of Deposits, which covers FDIC-insured institutions, and credit unions aren't FDIC-insured, so they're left out. Adding them back takes an estimate, because NCUA reports each credit union's shares and deposits as one total, not branch by branch. What's left out isn't small: in June 2025, 4,460 credit unions held $2,041.6 billion of shares and deposits, against $18.10 trillion at the 4,431 FDIC-insured institutions in the survey. Any county deposit figure for a credit union, including ours, is an estimate.
Why the standard figures leave credit unions out
County deposit market share usually starts with the FDIC's Summary of Deposits, an annual survey of branch office deposits as of June 30 for all FDIC-insured institutions, and the basis of the FDIC's own deposit market share reports. It's what puts a bank's deposits in a particular office, and so in a particular county.
The survey's scope is FDIC-insured institutions, and credit unions aren't FDIC-insured, so they fall outside it. Shares at a federally insured credit union are covered by NCUA's Share Insurance Fund, and 90 of the 4,460 credit unions in our June 2025 data carried private insurance instead. What a bank calls its market share is its share of deposits at FDIC-insured institutions, not of all the deposits in the county.
NCUA's data doesn't close the gap by itself. A credit union files its financial statements on the quarterly call report and its branch locations on a separate filing, the Credit Union Profile (NCUA). NCUA's quarterly call report data gives shares and deposits as one number for each credit union, not office by office. To put credit unions into a county's market, somebody has to decide how much of each credit union's total belongs to each office, and that is an estimate however carefully it's done.
How much the standard figures miss
Here are the two populations as of June 30, 2025, the latest date for which BankingLens has both.
| June 30, 2025 | Credit unions | FDIC-insured institutions |
|---|---|---|
| Institutions | 4,460 | 4,431 |
| Offices | 21,965 | 76,097 |
| Counties with an office | 2,200 | 3,194 |
| Deposits | $2,041.6 billion | $18.10 trillion |
Source: BankingLens, from NCUA call reports and the FDIC Summary of Deposits, both as of June 30, 2025. Credit union deposits are total shares and deposits; the 4,370 federally insured credit unions held $2,022.0 billion of it.
There are slightly more credit unions than FDIC-insured institutions, with far fewer offices, and those offices reach 2,200 counties against 3,194 for FDIC-insured offices. That last pair matters for any county estimate built on offices. Where no credit union has an office, the estimate is zero, even if people in that county belong to a credit union elsewhere and bank with it online.
The credit union side has kept growing since. NCUA data reported by CU Today put total shares and deposits at federally insured credit unions at $2.13 trillion at June 30, 2026, up 5.2% over the year. That is a system total for a later date than the table, good for direction and no use as a county input.
How we estimate credit union deposits by county
Deposit Share in BankingLens shows credit unions next to the banks in each county, as a Beta preview. The method is kept simple so you can see exactly what it assumes:
- Take each credit union's total shares and deposits from its June call report.
- List its US offices that serve members.
- Weight each office by the median deposits of an FDIC-insured office in that office's county, from the Summary of Deposits, and spread the credit union's total across its offices by those weights.
- Credit no office with more than three times its county's median. Anything a credit union holds beyond that is placed in no county.
The assumption is that a credit union office looks like a typical bank office in its county, scaled up or down until the credit union's offices add up to what it reported. An office in a county where bank offices run large is credited with more than one in a county where they run small.
The cap stops a credit union whose members mostly live far from its offices from swamping the counties where those offices happen to be. In June 2025, 74 credit unions hit it: their reported shares and deposits came to more than their offices could take, even at three times the local median. Our estimate placed $1,895.3 billion of credit union shares and deposits in counties and left $146.3 billion, or 7.2% of the total, in no county.
That unplaced money is mostly members who bank online or live away from the offices, and online members don't live in any one county. A credit union with members across the country and offices in a few counties isn't competing for all of those members' money in those few counties, and crediting it there would make a handful of markets look as if credit unions ran them. We would rather understate the county figures and say so. The cost is that the county estimates add up to less than the national total, and the money left out is deposit competition that no county figure shows.
The estimate has two blind spots. Its weights can't tell a head office from a small branch, so a credit union with most of its money in one flagship location will look more evenly spread than it is. And in a small county one credit union's estimate can move the total a long way, so read a small county's figure as a rough size, not a precise share.
Every county credit union deposit figure in the product is labeled an estimate. Credit unions never enter a peer group or a percentile, because a tax-exempt institution's return on assets isn't comparable to a taxpaying bank's (methodology).
A worked example in Johnson County, Kansas
Johnson County, on the Kansas side of the Kansas City metro, is a large and crowded deposit market, and it shows the difference between what has to be estimated and what doesn't. Start with deposits in June 2025.
| Johnson County, June 2025 | Institutions | Offices | Deposits | Basis |
|---|---|---|---|---|
| FDIC-insured institutions | 60 | 228 | $27.01 billion | Reported by office |
| Credit unions | 14 | 28 | $2.34 billion (estimate) | Our estimate |
Source: BankingLens, from the FDIC Summary of Deposits and NCUA call reports, June 2025. The credit union figure is our estimate, made as described above.
On those figures, credit unions held an estimated 7.96% of bank and credit union deposits combined. For scale, the largest deposit holder among the county's FDIC-insured institutions had 10.17% of FDIC-insured deposits. The two percentages sit on slightly different bases, but the 14 credit unions together come out not far behind the county's largest single deposit holder, and a standard market share report shows none of them.
Adding credit unions doesn't reorder the banks. Every bank's share shrinks by the same proportion, so the ranking among banks holds. What changes is the size of the market, which matters as soon as a board goal or a branch business case quotes a share of the county without saying which base it used.
Mortgage lending needs no estimate. These are 2025 HMDA originations in the county, as filed.
| Johnson County, 2025 originations | Lenders | Loans | Dollars |
|---|---|---|---|
| All lenders | 445 | 15,821 | $5.92 billion |
| Banks and savings institutions | 206 | 6,308 | $2.66 billion |
| Credit unions | 59 | 2,664 | $681.2 million |
| Nonbank mortgage companies | 180 | 6,849 | $2.58 billion |
Source: BankingLens, from 2025 HMDA data for Johnson County, Kansas. Originations only. Filed figures, not estimates.
The largest mortgage lender in the county by dollars was a credit union, CommunityAmerica Federal Credit Union, with 9.21% of the total: $545.2 million on 1,962 loans. That one lender made most of the $681.2 million that credit unions lent in the county.
Mortgage competition doesn't need an office in the county. Only 14 credit unions have offices in Johnson County, but 59 made mortgage loans there. Offices of 60 FDIC-insured institutions are in the county, but 206 banks and savings institutions lent there. Nonbank mortgage companies, which take no deposits at all, made 6,849 loans, more than the banks and savings institutions did.
Side by side, the two tables put all the uncertainty on the deposit side. If our Johnson County estimate is off, it's because some credit union's money isn't where its offices suggest. The mortgage table carries no such doubt, because each loan was reported by the lender that made it.
Why credit unions show up in HMDA lender lists
HMDA's reporting rule, Regulation C, covers credit unions on the same terms as banks. A bank, savings association or credit union reports if it meets all of these tests (CFPB):
- Assets above a threshold the CFPB publishes each year ($59 million for 2026 data).
- A home or branch office in a metropolitan statistical area.
- At least one first-lien home purchase loan or refinancing on a home of one to four units in the prior year.
- A federal connection, such as being federally insured or regulated.
- At least 25 closed-end mortgage loans or 200 open-end lines of credit in each of the two prior years.
NCUA's Federal Consumer Financial Protection Guide confirms that credit unions meeting the definition must report. Lenders record the property address for each loan (CFPB), which is how a lender with no office in a county can still appear in that county's list, and why the Mortgage tab in BankingLens can name credit unions in its county lender lists without estimating anything.
The same rule marks the limits of those lists. A bank or credit union below the asset threshold, or with no office in a metropolitan area, reports nothing however many mortgages it makes (CFPB), so a rural county's list can leave out lenders that matter there.
Using the numbers at a bank
Name the base. A bank's FDIC market share is its share of deposits at FDIC-insured institutions, which is the right base for ranking against other banks and the wrong one for sizing what there is to win. In Johnson County the difference is an estimated 7.96% of the combined total, sitting with 14 credit unions, and a share goal in a board plan should say which base it uses.
Use the credit union estimate for size, not rank. It's good enough to tell you whether credit unions in your county are a rounding error or as big as your largest competitor. It isn't good enough to tell you whether one particular credit union has passed you, because the method can't see where inside its network a credit union's money sits.
Read mortgage lists by lender type before you read them by name. HMDA shows, with nothing estimated, how much of your county's home lending goes to credit unions and which of them lead. Where a credit union leads the whole county, as one did in Johnson County, it's lending to the same households whose deposits you're pricing for.
Keep the unplaced money in mind. The $146.3 billion we couldn't put in any county is credit union competition that no county map shows. If you're losing deposits to a credit union with no office near you, read its call report instead of looking for it in a market share table: Schedule D covers its members and shares, and our guide to reading a credit union call report covers the rest. Keep its ratios out of your bank peer set, though, because credit union and bank ratios don't compare directly.
Frequently asked questions
Are credit unions included in FDIC deposit market share data?
No. The FDIC's Summary of Deposits is an annual survey of branch office deposits as of June 30 for FDIC-insured institutions, and market share figures built from it inherit that scope. Federally insured credit unions are covered by NCUA's Share Insurance Fund and a small number carry private insurance instead, so neither kind is in the survey.
Where can I find credit union deposits by county?
Not from NCUA directly. Its call report data gives each credit union's shares and deposits as one total and lists office locations separately, so a county figure has to be estimated. BankingLens publishes county estimates in Deposit Share as a Beta preview, spreading each credit union's total across its offices and labeling every figure as an estimate.
How much deposit market share do credit unions have?
Nationally, 4,460 credit unions held $2,041.6 billion of shares and deposits in June 2025, against $18.10 trillion at the 4,431 FDIC-insured institutions in the Summary of Deposits. County by county it varies and can only be estimated. In Johnson County, Kansas, our estimate puts credit unions at 7.96% of bank and credit union deposits combined.
Do credit unions report HMDA data?
Yes, if they meet the same Regulation C coverage tests as banks and savings associations: assets above a threshold the CFPB publishes each year ($59 million for 2026 data), a home or branch office in a metropolitan area, first-lien home purchase or refinance lending, a federal connection, and at least 25 closed-end loans or 200 open-end lines of credit in each of the two prior years. Their mortgage figures are filed, not estimated.
Why are credit union county deposits estimates?
Because NCUA reports a credit union's shares and deposits as one total, not office by office. BankingLens spreads each total across the credit union's US offices in proportion to the median deposits of an FDIC-insured office in each office's county, crediting no office with more than three times that median. The $146.3 billion (7.2%) left over in June 2025, mostly from members who bank online or live away from the offices, is placed in no county.
Where these figures come from
Credit union figures come from NCUA call reports for June 2025, and every county credit union deposit figure on this page is our estimate. Bank deposits come from the FDIC Summary of Deposits for June 30, 2025, and the mortgage figures from 2025 HMDA filings. In BankingLens, credit unions appear in Deposit Share as a Beta preview and by name in the Mortgage tab's county lender lists, and never in a peer group or percentile. You can see how a bank is ranked against its FFIEC peer group on the sample scorecard for Frost Bank. Plans that cover your state or every bank start at $29 a month (pricing).