Tag Archives: african american credit unions

Are African American Churches Derailing African America’s Economic Progress?

Posted on March 3, 2015 by | 3 comments

“You know our people, they want their leaders to be prosperous. One hand washes the other.” – Brother Baines (character from Malcolm X)

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Recently in Third Ward, an area rich with historic significance to the city’s African American population there was a battle being engaged between the neighborhood of Oak Manor University Woods and their “neighbor” Wheeler Avenue Baptist Church. WABC had already purchased one entire street of forty some homes in the neighborhood and was in the process of expanding once again as its membership had swelled. The church for all intentions appears on its way to becoming one of Houston’s mega-churches. For Oak Manor University Woods, they seemed to be getting closed in on all sides. The current president of the Oak Manor University Woods Civic Club Bettie Patterson said, “I thought the University of Houston would be our albatross, not Wheeler Avenue.” She was referring to the University of Houston’s presence in Third Ward, which itself has spurred a great deal of the rise in gentrification in the area as the school’s profile as a tier one university has attracted a lot of redevelopment in the area. Many homes in the neighborhood on the tax roles see their lots valued for more than the actual homes themselves. Inside Houston’s Inner Loop, land and affordable housing have become something of an oxymoron. Houston, the fourth largest city in the United States, has been booming with high oil prices spurring most of that boom. Unfortunately, African Americans inside the loop have been the primary victims of that boom. Sitting on what has been historically underdeveloped and depressed land and neighborhoods, many developers (or churches) come in and offer many African American home and landowners under market value prices to scoop up the land. Most lack the financial aptitude or savviness to deal with these fast talking developers or churchmen claiming to be doing God’s work and end up selling their land and homes. In the aftermath, they are not able to afford to stay in their community or forced to sell as taxes have skyrocketed due to rising values and payments they can not maintain, with many of the community’s senior citizens on fixed income. In the Oak Manor University Woods and Wheeler Avenue Baptist case, where the church could be working with the neighborhood to build affordable housing, it is instead engaged in battle that will eventually lead to over sixty homes being demolished and over 200 potential African Americans not in the area. The irony, those 200 may drive from some distance to attend the church and after church if they intend to eat or do any shopping, virtually none of the stores will be owned by African Americans in the area or community. It appears we have pushed all of our chips in on the church, and if it can not save us, then we do not want to be saved.

In some ways, I feel sorry for the African American church. It is essentially being asked to be everything institutionally in the development cycle for African America. Every institution whether it is a neighborhood, church, bank, lobbying group, etc. falls under one of three institutional categories of social, economic, or political. The SEP cycle of development follows that exact order in fact. Social institutional development comes first, then economic institutional development, and lastly political institutional development. A church, by its very nature, is suppose to be a social institution. It is a place where social norms and cultural capital is circulated amongst a community. Other social institutions are things like families, neighborhoods, and schools. All circulating a particular a set of norms and values. Economic institutions are businesses, investors, and even banks. The latter has the unique charge of helping circulate capital and exporting financial risk from the community that owns it onto other communities. An acute problem African Americans experience with predatory financial services from institutions like Wells Fargo who just settled for $175 million with the Department of Justice for its predatory behavior with African Americans. Political institution examples are political parties, lobbyist, and PACs. The institutional cycle always follows the same pattern. Currently, the black church though is being asked to be all three. A feat that no institution can pull off. College and universities are social institutions that often serve the needs of economic and political institutional development through their research, but ultimately are still social institutions. The last I checked, there is no research being conducted in the halls of black churches.

Yet, African America has put all of its stock into this institution and starving the independent development of a strong economic and political institutional development. Although many churches are profitable like businesses, they often lack the serious institutional infrastructure or aptitude to operate as such. Last year, HBCU Money’s first ever African American Credit Union Directory in 2014 uncovered some startling findings about the church’s role in African America’s economic institutional landscape. Religious affiliated credit union make up 5.6 percent of US credit unions, while African American religious affiliated credit unions comprise approximately one-third of all African American credit unions and almost one-fourth of all US religious affiliated credit unions. In California, all seven African American credit unions in 2014 were religious affiliated. The sensible thing for them to do would have been if they absolutely had to form their own (as opposed to banking at an African American owned bank or credit union) was for all seven to form one and call it the “Insert famous African-American religious figure from California” of California Federal Credit Union. It would have been a credit union with seven branches, 1 485 members, and $1.7 million in assets. Instead, the median membership and assets among the seven separately was 152 and $165 000, respectively. In other words, not worth the paperwork it probably took to form them and likely limited opportunity for any real scalability or sustainability.

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It is both a gift and curse that one-third of African American credit unions are religious based. The gift is that any opportunity for African Americans that increases financial engagement is a benefit. The Center for American Progress reports, “For African Americans, the unbanked rate declined slightly from 21.4 percent in 2011 to 20.5 percent in 2013, and the underbanked rate decreased from 33.9 percent to 33.1 percent.” Nationally, the figure for unbanked and underbanked was 7.7 percent and 20 percent, respectively. Having more financial institution options is a good thing. The presence of credit unions, be they religious or not, in African America decreases the probability of predatory financial services like payday loans that are often prevalent in our community coming in to fill the void. However, the problem for having such a disproportionate amount of credit unions being religious based is that these credit unions have no ability to scale as the aforementioned example in California showed, which further means they are limited in the types and number of financial services and products they can offer. The reality is that churches are not equipped to be financial institutions and religious based credit unions are limited to the size of their congregation to their growth potential. They also tend to lack the intellectual expertise to grow and perform the functions that provide for stability of operation for their members and the communities they are in. Often times, these religious based credit unions come across as nothing more than the ability for the church to control more of and keep an eye on the congregation’s purse strings to make sure they are getting their cut. This is problematic after reporting two African American banks closed their doors to start 2015, thereby reducing the number of African American banks to twenty-three. A far cry from the 1990s, when there were over fifty African American owned banks.

African American churches are also siphoning off much needed capital from other institutions within the community where capital is vitally needed. Recently, an example of this was shared by Jarrett Carter, Sr. in an editorial for HBCU Digest where he shared, “Last year, I gave more than $10,000 to my church, $1,500 to Alpha Phi Alpha Fraternity Inc., and $150 dollars to my alma mater.” In a 1987 study by Emmett Carson for Joint Center for Political Studies reported, “Over two-thirds (68 percent) of all dollars that are contributed by blacks to charity go to the church.” A figure at the time that was higher than the national average of 46.9 percent. It is hard to imagine that although the study is almost thirty years old that much has changed given the disclosure by Mr. Carter. Some may argue that it has in fact gotten worse. Unfortunately, such a disproportionate amount being given to churches with our limited income leaves little for investment in the rest of African America’s institutions. Over the past 100 years African American owned hospitals have decreased from 500 to 1, African American boarding schools have decreased from 100 to 4, the institutional gap in HWCU/HBCU endowments has grown from 46:1 to 106:1 over the past 20 years, HWCU/HBCU research expenditures gap is 30:1, Harlem and countless other African American communities have been gentrified, and the wealth gap among all other groups (except Native Americans) and African Americans continues to severely widen. Yet, the African American church continues to be a booming industry. As a result we see even the African American non-religous based credit unions and banks anchoring their “business” products to churches.

Let me be clear, I am not against the African American church. It has been a vital institution in our community. Its history and place in our communities is important, but it can not and should not be asked to solve all of our problems. A religious institution is there to be part of our community’s social institutional fabric, but it is not there to enrich and strengthen us economically or politically. Each institution in a community has a purpose and function. None more important than the other and all are needed. The acute investment that African America has put into its churches though has created a situation where all others starve and this has created an ongoing crisis that is on the brink of disaster. Church based credit unions are not setup to make small business loans, which are vitally needed to created more African American businesses and create jobs in our communities. They are not setup to decide which STEM and humanities research should be given grants that can one day be turned into private application or help shape policy, and nor should they be. That is not what their purpose is or ever was intended to be.

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Overall, church attendance in America is declining (above) and has been for the past sixty years, and as is often the case we are behind the curve of change. This despite African American men and Millennials being one of the fastest declining groups in church attendance. African American men are almost twice as likely as African American women to not attend church. Financially, this is not so much of an issue for the church, since African American women lead virtually in every economic category. African America is the only group where the women outnumber the men in employment and are predominantly head of households. The irony if there is any, is that the vast majority of African American churches are still headed by men, but that is another article for another time. African American women hold the proverbial purse strings and they are in the church.

If African America is to ever progress economically, then it needs a lesson in portfolio diversification also known as do not put all your eggs in one basket, one stock, or one institution. Right now, we are overweight in church “stock”. For which I can already hear the rebuttal of, “You can never be to overweight in the Lord!”, but I did not say overweight in your spirituality. I said overweight in the church, and one does not beget the other despite how much we try to convince ourselves otherwise. In an interview on HBCU Digest by the aforementioned Jarrett Carter, I was asked if African America was culturally adverse to economies of scale and I believed then and I believe now that the answer is a resounding no. However, I also remember hearing Tavis Smiley speak once and he said there is a difference between hope and optimism. Hope much like faith does not have to be grounded in anything, but optimism has to be grounded in facts that show a favorable trend. I am hoping for some reason to be optimistic about our economic progress soon, but that will not happen until we decrease what we give and expect from our churches and increase investment into our other institutions, like our banks and credit unions, that are built to serve the purpose of our economic progress. I better pray.

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Southern University Dominates HBCU Credit Unions; National Opportunity Continues To Be Missed

Posted on March 12, 2014 by | 1 comment

By William A. Foster, IV

Capacity never lacks opportunity. It cannot remain undiscovered because it is sought by too many anxious to use it. — Bourke Cockran

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The recent release of HBCU Money’s inaugural African American Credit Union Directory gave us some very unexpected information. There are nine HBCU-based credit unions that control a combined $82.2 million in assets and 15 885 in members. For comparison, Navy Federal Credit Union, America’s largest has $56 billion in assets and 4 million members. Some time ago, I wrote on what forming a national HBCU credit union would look like and why it should be a reality. As it turns out, much of the infrastructure for this reality is already in place.

  1. Southern Teachers & Parents (LA) – $29.0 million
  2. Florida A&M University (FL) – $20.6 million
  3. Howard University Employees (DC) – $11.4 million
  4. Virginia State University (VA) – $10.6 million
  5. Prairie View (TX) – $5.0 million
  6. Savastate Teachers (GA) – $3.6 million
  7. Tennessee State University  (TN) – $1.4 million
  8. Shaw University (NC) – $0.5 million
  9. Langston (OK) – $0.1 million

If the HBCU Credit Union became a reality and the nine merged, then instantly it becomes the eleventh largest African American credit union in the United States by both assets and membership. This is before Prairie View’s credit union even opens its doors to taking on student accounts, which it is set to do in the next year or two and could potentially push the deposit base close to a combined $90 million. Even more important, the HBCU Credit Union would be the only African American deposit financial institution with a multi-state footprint other than One United Bank. With a solid deposit base underneath it, product expansion could be felt across all nine credit unions and done so at a cheaper cost than going at it alone. The lack of products at HBCU-based credit unions has been a chief complaint of why so little deposits seem to remain in them. Everything from better web-presence, mobile banking, investment products, and small business loans could be rolled out in scale.

The most important part of the formation of this credit union remains the HBCUs themselves. Not one HBCU currently banks with an African American financial institution to the best of my knowledge. If the institutions themselves were to come on board, then the deposit base could easily be in the billions. Especially, if one includes the possibility of bringing in organizational accounts like the Divine 9, UNCF, Thurgood Marshall Fund, and other HBCU-related organizations. For HBCUs, this would have the benefit of actually increasing its ability to maintain a financial connection with their alumni and increase alumni giving. The alumni giving platform could be connected with their account. A move such as this would also create opportunities for graduates, internships, and HBCUs becoming more integrated into the African American institutional ecosystem, and not continuing to act independent of it.

Economies of scale. Economies of scale. Economies of scale. Maybe, if I repeat it three times it will take root. This is something that the African American economy has lacked and continues to lack with any of its businesses or organizations. Scale allows you to drive down repetitive cost while being able to offer more because you are no longer paying for nine CEOs just one. And there in lies the hurdle that must be overcome. Many in African American organizations, because opportunities are so limited outside of our ecosystem hold on tightly anytime they achieve a position of prominence within our ecosystem. We are more than excited to stroke our ego to be a big fish in a little pond, when we could be a part of building something that could put us in the middle of an ocean of opportunities for everyone. Despite its aborting impact on the development of our community’s economic health it seems willingness to take such a bold and courageous step is hard to find. The dream of a national HBCU credit union will march on because the need and opportunities it could create are perpetual. However, like a dream deferred I hope it will not dry up like a raisin in the sun.

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Posted in Banking & Credit Unions

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HBCU Money’s 2014 African American Owned Credit Union Directory

Posted on March 4, 2014 by | 4 comments

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All credit unions are listed by state and in alphabetical order. In order to be listed in our directory the credit union must have an African American designation. You can click on the credit union name to go directly to their website (if available).

There are 340 African American owned credit unions with assets totaling approximately $4.5 billion in assets or approximately 0.41 percent of African America’s $1.1 trillion in buying power. African American credit unions have a total of 834 623 members.

ADDITIONAL NOTES:

  • African American credit unions comprise 42.8 percent of Minority Serving credit unions and 4.8 percent of all US credit unions.
  • The total assets for all US minority credit unions is $37 billion, with AACUs controlling 12.2 percent of those assets. Total combined assets for all US credit unions are $1 trillion, with AACUs controlling 0.45 percent of total American credit union assets.
  • African American credit unions average assets: $13.1 million – average number of members 2 455
  • African American credit unions median assets: $1.64 million – median number of members 585
  • For comparison, Asian American credit unions have approximately 400 000 members and $4.9 billion in total assets. Average and median assets of $88.3 million and $32.6 million, respectively.
  • Religious affiliated credit union make up 5.6 percent of US credit unions. African American religious affiliated credit unions comprise approximately one-third of all African American credit unions and almost one-fourth of all US religious affiliated cred unions.

ALABAMA

ALABAMA STATE EMPLOYEES

City: Montgomery

Members: 27 571

Assets: $211 854 956

Assets Per Member: $7 684

BIRMINGHAM POLICE

City: Birmingham

Members: 1 710

Assets: $6 969 300

Assets Per Member: $4 076

COUNCILL

City: Normal

Members: 914

Assets: $3 130 847

Assets Per Member: $3 425

ENERGEN

City: Birmingham

Members: 2 662

Assets: $26 406 015

Assets Per Member: $9 920

EVONIK EMPLOYEES

City: Theodore

Members: 844

Assets: $6 789 936

Assets Per Member: $8 045

FIREMAN’S

City: Birmingham

Members: 817

Assets: $7 327 686

Assets Per Member: $8 969

FOGCE

City: Eutaw

Members: 558

Assets: $1 245 429

Assets Per Member: $2 232

MARVEL CITY

City: Bessemer

Members: 963

Assets: $7 552 770

Assets Per Member: $7 843

MONROE EDUCATION EMPLOYEES

City: Monroeville

Members: 1 380

Assets: $3 896 474

Assets Per Member: $2 824

NEW PILGRIM

City: Birmingham

Members: 842

Assets: $1 502 361

Assets Per Member: $1 784

NRS COMMUNITY DEVELOPMENT

City: Birmingham

Members: 352

Assets: $975 783

Assets Per Member: $2 772

PEOPLE’S FIRST

City: Tarrant

Members: 937

Assets: $5 769 126

Assets Per Member: $6 157

PHENIX PRIDE

City: Phenix City

Members: 1 589

Assets: $5 081 293

Assets Per Member: $3 198

PROGRESSIVE

City: Mobile

Members: 906

Assets: $5 861 378

Assets Per Member: $6 470

SHORELINE

City: Mobile

Members: 1 835

Assets: $8 810 138

Assets Per Member: $4 801

SIXTH AVENUE BAPTIST

City: Birmingham

Members: 951

Assets: $4 674 249

Assets Per Member: $4 915

SYCAMORE

City: Sycamore

Members: 1 311

Assets: $13 783 558

Assets Per Member: $$10 514

TUSCALOOSA COUNTY

City: Tuscaloosa

Members: 1 530

Assets: $7 327 686

Assets Per Member: $4 789

TRI-RIVERS

City: Montgomery

Members: 7 144

Assets: $17 377 527

Assets Per Member: $2 432

TVH

City: Tuskegee

Members: 757

Assets: $4 476 451

Assets Per Member: $5 913

US PIPE BESSEMER EMPLOYEES

City: Bessemer

Members: 546

Assets: $2 827 967

Assets Per Member: $5 179

ARKANSAS

ARKANSAS TEACHERS

City: Little Rock

Members: 497

Assets: $1 124 408

Assets Per Member: $2 262

COMBINED

City: Hot Springs

Members: 2 400

Assets: $7 851 594

Assets Per Member: $3 271

PINE BLUFF POSTAL

City: Pine Bluff

Members: 149

Assets: $780 690

Assets Per Member: $5 240

U.P. EMPLOYEES

City: North Little Rock

Members: 497

Assets: $4 332 615

Assets Per Member: $3 385

CALIFORNIA

BETHEL A.M.E.

City: San Francisco

Members: 303

Assets: $435 121

Assets Per Member: $1 436

CALVARY BAPTIST OF PACOIMA

City: San Fernando

Members: 322

Assets: $143 122

Assets Per Member: $444

GUIDANCE CHURCH OF RELIGIOUS SCIENCE

City: Los Angeles

Members: 139

Assets: $164 711

Assets Per Member: $1 185

JONES METHODIST CHURCH

City: San Francisco

Members: 314

Assets: $545 136

Assets Per Member: $1 736

PEOPLES’ INDEPENDENT CHURCH

City: Los Angeles

Members: 125

Assets: $83 442

Assets Per Member: $668

TAYLOR MEMORIAL UNITED METHODIST

City: Oakland

Members: 130

Assets: $126 271

Assets Per Member: $971

ZION HILL BAPTIST CHURCH

Members: 152

Assets: $235 505

Assets Per Member: $1 549

CONNECTICUT

EAST END BAPTIST TABERNACLE

City: Bridgeport

Members: 392

Assets: $194 684

Assets Per Member: $497

FIRST BAPTIST CHURCH (STRATFORD)

City: Stratford

Members: 290

Assets: $271 446

Assets Per Member: $936

IMMANUEL BAPTIST CHURCH

City: New Haven

Members: 310

Assets: $129 650

Assets Per Member: $418

DELAWARE

AMERICAN SPIRIT

City: Newark

Members: 11 558

Assets: $66 476 093

Assets Per Member: $5 752

MILFORD MEMORIAL

City: Milford

Members: 980

Assets: $3 292 410

Assets Per Member: $3 360

STEPPING STONES COMMUNITY

City: Wilmington

Members: 154

Assets: $1 380 405

Assets Per Member: $8 964

DISTRICT OF COLUMBIA (WASHINGTON)

ASBURY

Members: 172

Assets: $507 079

Assets Per Member: $2 948

DC

Members: 10 232

Assets: $51 391 185

Assets Per Member: $5 023

D.C. FIRE DEPARTMENT

Members: 1 553

Assets: $6 936 657

Assets Per Member: $4 455

DISTRICT OF COLUMBIA TEACHERS

Members: 6 906

Assets: $45 299 189

Assets Per Member: $6 559

GOVERNMENT PRINTING OFFICE

Members: 3 659

Assets: $36 751 934

Assets Per Member: $10 044

HUD

Members: 5 650

Assets: $51 939 084

Assets Per Member: $9 193

HOWARD UNIVERSITY EMPLOYEES

Members: 2 193

Assets: $11 370 058

Assets Per Member: $5 185

JOHN WESLEY AME ZION CHURCH

Members: 190

Assets: $95 924

Assets Per Member: $505

LIBRARY OF CONGRESS

Members: 9 678

Assets: $221 444 693

Assets Per Member: $22 881

MT. AIRY BAPTIST CHURCH

Members: 545

Assets: $1 281 637

Assets Per Member: $2 352

MT. GILEAD

Members: 67

Assets: $51 293

Assets Per Member: $766

MT. JEZREEL

Members: 361

Assets: $214 785

Assets Per Member: $595

NAPFE

Members: 1 760

Assets: $3 366 631

Assets Per Member: $1 913

NLRB

Members: 3 179

Assets: $20 176 703

Assets Per Member: $6 347

PARAMOUNT BAPTIST CHURCH

Members: 502

Assets: $89 961

Assets Per Member: $179

PEPCO

Members: 3 230

Assets: $31 961 882

Assets Per Member: $9 895

SARGENT

Members: 405

Assets: $311 485

Assets Per Member: $769

ST. GABRIELS

Members: 154

Assets: $379 859

Assets Per Member: $2 467

TRANSIT EMPLOYEES

Members: 17 212

Assets: $91 142 846

Assets Per Member: $5 295

FLORIDA

DUCOTE

City: Jacksonville

Members: 1 218

Assets: $3 244 626

Assets Per Member: $2 664

FCAMEC

City: Tallahassee

Members: 665

Assets: $1 811 227

Assets Per Member: $2 724

FLORIDA A&M UNIVERSITY

City: Tallahassee

Members: 3 327

Assets: $20 587 962

Assets Per Member: $6 188

JEFFERSON COUNTY TEACHERS

City: Monticello

Members: 1 038

Assets: $7 886 436

Assets Per Member: $7 598

MADISON EDUCATION ASSOCIATION

City: Madison

Members: 758

Assets: $4 058  283

Assets Per Member: $5 354

NORTH DADE COMMUNITY DEVELOPMENT

City: Miami Gardens

Members: 780

Assets: $5 798 779

Assets Per Member: $7 434

POMPANO BEACH CITY EMPLOYEES

City: Pompano Beach

Members: 1 647

Assets: $16 226 266

Assets Per Member: $9 852

SOUTH ATLANTIC

City: Boca Raton

Members: 2 626

Assets: $13 447 835

Assets Per Member: $5 121

TAMPA LONGSHOREMEN’S

City: Tampa

Members: 307

Assets: $492 990

Assets Per Member: $1 606

TOWN OF PALM BEACH

City: West Palm Beach

Members: 389

Assets: $2 505 456

Assets Per Member: $6 441

GEORGIA

1ST CHOICE

City: Atlanta

Members: 9 626

Assets: $23 206 142

Assets Per Member: $2 411

BIG BETHEL A.M.E. CHURCH

City: Atlanta

Members: 388

Assets: $225 838

Assets Per Member: $582

COMBINED EMPLOYEES

City: Warner Robins

Members:  4 615

Assets: $10 381 680

Assets Per Member: $2 250

CGR

City: Macon

Members: 13 825

Assets: $73 214 392

Assets Per Member: $5 296

CREDIT UNION OF ATLANTA

City: Atlanta

Members: 19 153

Assets: $80 256 367

Assets Per Member: $4 190

F A B CHURCH

City: Savannah

Members: 271

Assets: $265 794

Assets Per Member: $981

FORT MCPHERSON

City: Atlanta

Members: 4 954

Assets: $21 773 347

Assets Per Member:$4 395

GOLDEN

City: Columbus

Members: 179

Assets: $338 407

Assets Per Member: $1 891

MEAD EMPLOYEES’

City: Atlanta

Members: 1 083

Assets: $4 449 524

Assets Per Member: $4 109

OMEGA PSI PHI FRATERNITY

City: Suwanee

Members: 718

Assets: $793 288

Assets Per Member: $1 105

PIEDMONT PLUS

City: Atlanta

Members: 8 801

Assets: $33 696 560

Assets Per Member: $3 829

PINEY GROVE COMMUNITY

City: Swainsboro

Members: 63

Assets: $52 801

Assets Per Member: $838

RCT

City: Augusta

Members: 3 111

Assets: $6 800 390

Assets Per Member: $2 186

SAVANNAH POSTAL

City: Savannah

Members: 2 317

Assets: $19 082 511

Assets Per Member: $8 236

SAVASTATE TEACHERS

City: Savannah

Members: 714

Assets: $3 603 321

Assets Per Member: $5 047

SPC

City: Atlanta

Members: 1 353

Assets: $1 132 148

Assets Per Member: $837

STEPHENS COUNTY COMMUNITY

City: Toccoa

Members: 240

Assets: $268 064

Assets Per Member: $1 117

TABERNACLE

City: Augusta

Members: 252

Assets: $162 555

Assets Per Member: $645

UNITED NEIGHBORHOOD

City: Augusta

Members: 673

Assets: $1 491 011

Assets Per Member: $2 215

ILLINOIS

74TH STREET DEPOT

City: Evergreen Park

Members: 738

Assets: $8 509 069

Assets Per Member: $11 530

BEREAN

City: Chicago

Members: 238

Assets: $95 983

Assets Per Member: $403

BEVERLY BUS GARAGE

City: Evergreen Park

Members: 1 040

Assets: $4 186 990

Assets Per Member: $4 026

CANAAN

City: Urbana

Members: 446

Assets: $293 671

Assets Per Member: $658

CERROBRASS

City: Sauget

Members: 178

Assets: $571 764

Assets Per Member: $3 212

CHICAGO AVENUE GARAGE

City: Chicago

Members: 891

Assets: $7 597 781

Assets Per Member: $8 527

CHICAGO POST OFFICE EMPLOYEES

City: Chicago

Members: 4 360

Assets: $17 727 264

Assets Per Member: $4 066

COSMOPOLITAN

City: Chicago

Members: 127

Assets: $110 180

Assets Per Member: $868

C T A F C

City: Chicago

Members: 508

Assets: $993 144

Assets Per Member: $1 955

FELLOWSHIP BAPTIST CHURCH

City: Chicago

Members: 434

Assets: $426 327

Assets Per Member: $982

GIDEON

City: Waukegan

Members: 260

Assets: $246 344

Assets Per Member: $947

GREATER INSTITUTIONAL A.M.E. CHURCH

City: Chicago

Members: 93

Assets: $66 163

Assets Per Member: $711

IMPERIAL

City: Springfield

Members: 170

Assets: $39 329

Assets Per Member: $231

KEDZIE AVENUE DEPOT

City: Chicago

Members: 734

Assets: $3 204 967

Assets Per Member: $4 366

METROPOLITAN “L”

City: Oak Park

Members: 1 683

Assets: $6 683 627

Assets Per Member: $3 971

MONUMENTAL

City: Chicago

Members: 65

Assets: $39 494

Assets Per Member: $608

MOTOR COACH EMPLOYEES

City: East St. Louis

Members: 1 402

Assets: $2 120 773

Assets Per Member: $1 513

MT. ZION

City: Zion

Members: 274

Assets: $243 770

Assets Per Member: $890

M.W.P.H. GRAND LODGE OF ILLINOIS

City: Chicago

Members: 493

Assets: $450 666

Assets Per Member: $914

NORTH SIDE L

City: Chicago

Members: 2 406

Assets: $8 671 525

Assets Per Member: $3 604

PARK MANOR CHRISTIAN CHURCH

City: Chicago

Members: 373

Assets: $866 854

Assets Per Member: $2 324

PILGRIM BAPTIST

City: Chicago

Members: 190

Assets: $375 263

Assets Per Member: $1 975

SOUTH SIDE COMMUNITY

City: Chicago

Members: 1 700

Assets: $3 612 657

Assets Per Member: $2 125

ST. ELIZABETH’S

City: Chicago

Members: 176

Assets: $231 106

Assets Per Member: $1 313

ST. HELENA PARISH

City: Chicago

Members: 238

Assets: $95 023

Assets Per Member: $399

ST. MARK

City: Chicago

Members: 359

Assets: $708 657

Assets Per Member: $1 974

TRINITY U.C.C.

City: Chicago

Members:  1 024

Assets: $3 137 243

Assets Per Member: $3 064

INDIANA

ALL SEASONS

City: Indianapolis

Members: 1 581

Assets: $9 044 642

Assets Per Member: $5 721

GARY FIREFIGHTERS ASSOCIATION

City: Gary

Members: 402

Assets: $2 101 387

Assets Per Member: $5 227

GARY MUNICIPAL EMPLOYEES

City: Gary

Members: 180

Assets: $417 934

Assets Per Member: $2 322

GARY POLICE DEPARTMENT EMPLOYEES

City: Gary

Members: 209

Assets: $1 567 445

Assets Per Member: $7 500

MT. ZION

City: Indianapolis

Members: 483

Assets: $720 628

Assets Per Member: $1 492

PROFINANCE

City: Merrillville

Members: 2 058

Assets: $14 566 961

Assets Per Member: $7 078

ST. MONICA

City: Gary

Members: 182

Assets: $180 553

Assets Per Member: $992

UNION BAPTIST CHURCH

City: Fort Wayne

Members: 298

Assets: $221 889

Assets Per Member: $745

KENTUCKY

1ST SELECT

City: Hopkinsville

Members: 306

Assets: $1 047 573

Assets Per Member: $3 423

MSD

City: Louisville

Members: 838

Assets: $5 003 534

Assets Per Member: $5 971

TARCANA

City: Louisville

Members: 869

Assets: $4 207 857

Assets Per Member: $4 842

LOUISIANA

A.M.E. CHURCH

City: Baton Rouge

Members: 334

Assets: $97 333

Assets Per Member: $291

ARABI SUGAR WORKERS

City: New Orleans

Members: 220

Assets: $1 217 036

Assets Per Member: $5 532

COGIC

City: Lafayette

Members: 424

Assets: $309 648

Assets Per Member: $730

CONCORDIA PARISH SCHOOL EMPLOYEES

City: Ferriday

Members: 1 224

Assets: $4 111 479

Assets Per Member: $3 359

IBERIA PARISH

City: New Iberia

Members: 255

Assets: $480 272

Assets Per Member: $1 883

IMMACULATE HEART OF MARY

City: Lafayette

Members: 358

Assets: $888 673

Assets Per Member: $2 482

MICHOUD

City: New Orleans

Members: 1 173

Assets: $5 062 615

Assets Per Member: $4 316

MORTON WEEKS

City: Lydia

Members: 1 644

Assets: $10 506 192

Assets Per Member: $6 391

ORLEANS PARISH CRIMINAL SHERIFF’S

City: New Orleans

Members: 729

Assets: $6 662 500

Assets Per Member: $9 139

PINEY HILLS FEDERAL

City: Simsboro

Members: 565

Assets: $3 165 266

Assets Per Member: $5 602

POSTAL

City: Baton Rouge

Members: 3 957

Assets: $27 858 279

Assets Per Member: $7 040

RICHLAND PARISH SCHOOLS

City: Rayville

Members: 225

Assets: $621 818

Assets Per Member: $2 764

SEWERAGE & WATER BOARD EMPLOYEES

City: New Orleans

Members: 2 386

Assets: $7 870 396

Assets Per Member: $3 299

SOUTHERN TEACHERS & PARENTS

City: Baton Rouge

Members: 5 311

Assets: $29 029 901

Assets Per Member: $5 466

SOUTHWEST LOUISIANA

City: Lake Charles

Members: 14 663

Assets: $71 730 229

Assets Per Member: $4 892

ST. JOHN SELF-HELP

City: Reserve

Members: 356

Assets: $1 423 785

Assets Per Member: $3 999

ST. MARY PARISH SCHOOL EMPLOYEES

City: Franklin

Members: 253

Assets: $398 264

Assets Per Member: $1 574

T E A

City: Houma

Members: 680

Assets: $2 025 049

Assets Per Member: $2 978

TEAMSTERS LOCAL UNION #270

City: New Orleans

Members: 469

Assets: $665 229

Assets Per Member: $1 418

TOTAL COMMUNITY ACTION

City: New Orleans

Members: 587

Assets: $1 314 511

Assets Per Member: $2 239

TULANE/LOYOLA

City: New Orleans

Members: 4 642

Assets: $20 171 423

Assets Per Member: $4 345

U B C SOUTHERN COUNCIL INDUSTRIAL WORKERS

City: Minden

Members: 366

Assets: $672 162

Assets Per Member: $1 837

US VETERANS ADMINISTRATION

City: New Orleans

Members: 445

Assets: $1 799 092

Assets Per Member: $4 043

WEST JEFFERSON

City: Marrero

Members: 1 553

Assets: $6 142 023

Assets Per Member: $3 955

ZACHARY COMMUNITY

City: Zachary

Members: 178

Assets: $213 428

Assets Per Member: $1 199

MARYLAND

FEDCHOICE

City: Lanham

Members: 24 540

Assets: $346 766 388

Assets Per Member: $14 131

NONE SUFFER LACK

City: Suitland

Members: 3 309

Assets: $16 449 028

Assets Per Member: $4 971

REID TEMPLE

City: Glenn Dale

Members: 1 200

Assets: $1 657 579

Assets Per Member: $1 381

SECURITYPLUS

City: Baltimore

Members: 33 826

Assets: $355 648 536

Assets Per Member: $10 514

THE MOUNT LEBANON

City: Baltimore

Members: 332

Assets: $541 953

Assets Per Member: $1 632

WOR CO

City: Pocomoke City

Members: 742

Assets: $2 722 148

Assets Per Member: $3 669

MICHIGAN

2ND BAPTIST CHURCH OF ANN ARBOR

City: Ann Arbor

Members: 264

Assets: $131 324

Assets Per Member: $497

A.B.D.

City: Warren

Members: 11 656

Assets: $61 959 912

Assets Per Member: $5 316

BETHEL A.M.E. CHURCH

City: Saginaw

Members: 685

Assets: $1 183 175

Assets Per Member: $1 727

BETHEL BAPTIST CHURCH EAST

City: Detroit

Members: 381

Assets: $646 147

Assets Per Member: $1 696

FANNIE B. PECK OF BETHEL AME CHURCH

City: Detroit

Members: 500

Assets: $579 647

Assets Per Member: $1 159

FM FINANCIAL

City: Flint

Members: 5 091

Assets: $33 691 981

Assets Per Member: $6 618

FOSS AVENUE BAPTIST CHURCH

City: Flint

Members: 276

Assets: $278 589

Assets Per Member: $1 009

GREATER CHRIST BAPTIST CHURCH

City: Detroit

Members: 390

Assets: $861 321

Assets Per Member: $2 209

GREATER NEW MT. MORIAH BAPTIST CHURCH

City: Detroit

Members: 205

Assets: $285 934

Assets Per Member: $1 395

HEALTH ONE

City: Detroit

Members: 6 914

Assets: $23 034 766

Assets Per Member: $3 332

I.M. DETROIT DISTRICT

City: Detroit

Members: 191

Assets: $1 276 429

Assets Per Member: $6 683

METROPOLITAN CHURCH OF GOD

City: Detroit

Members: 206

Assets: $154 396

Assets Per Member: $749

MY POSTAL

City: Pontiac

Members: 1 402

Assets: $15 771 830

Assets Per Member: $11 250

NEW RISING STAR

City: Detroit

Members: 109

Assets: $113 551

Assets Per Member: $1 042

NORTHWOOD

City: Royal Oak

Members: 3 665

Assets: $19 564 022

Assets Per Member: $5 338

SOUTHEAST MICHIGAN STATE EMPLOYEES

City: Southfield

Members: 4 600

Assets: $31 814 075

Assets Per Member: $6 916

VETERANS HEALTH ADMINISTRATION

City: Detroit

Members: 1 283

Assets: $3 012 619

Assets Per Member: $2 348

MISSISSIPPI

CENTRAL MISSISSIPPI

City: Winona

Members: 255

Assets: $413 602

Assets Per Member: $1 622

CITIZENS CHOICE

City: Natchez

Members: 478

Assets: $1 090 572

Assets Per Member: $2 282

ELLISVILLE STATE SCHOOL EMPLOYEES

City: Ellisville

Members: 665

Assets: $2 384 818

Assets Per Member: $3 586

FORREST COUNTY TEACHERS

City: Hattiesburg

Members: 506

Assets: $262 380

Assets Per Member: $519

GRENADA LAKE MEDICAL CENTER EMPLOYEES

City: Grenada

Members: 202

Assets: $270 024

Assets Per Member: $1 337

HOPE

City: Jackson

Members: 27 948

Assets: $169 340 503

Assets Per Member: $6 059

HOSPITAL SYSTEM

City: Pascagoula

Members: 4 849

Assets: $25 403 538

Assets Per Member: $$5 239

ISSAQUENA COUNTY

City: Mayersville

Members: 451

Assets: $1 159 532

Assets Per Member: $2 571

JACKSON AREA

City: Jackson

Members: 13 567

Assets: $60 501 064

Assets Per Member: $4 459

JPFCE

City: Jackson

Members: 198

Assets: $1 126 681

Assets Per Member: $5 690

MBHS

City: Jackson

Members: 2 267

Assets: $8 803 614

Assets Per Member: $3 883

MERIDIAN MUTUAL

City: Meridian

Members: 7 331

Assets: $32 216 595

Assets Per Member: $4 395

MID DELTA

City: Indianola

Members: 2 067

Assets: $1 679 823

Assets Per Member: $813

MISSISSIPPI

City: Jackson

Members: 13 760

Assets: $95 111 947

Assets Per Member: $6 912

MISSISSIPPI DHS

City: Jackson

Members: 2 674

Assets: $7 336 826

Assets Per Member: $2 744

MISSISSIPPI HIGHWAY SAFETY PATROL

City: Jackson

Members: 2 157

Assets: $11 172 766

Assets Per Member: $5 180

MISSISSIPPI PUBLIC EMPLOYEES

City: Jackson

Members: 6 866

Assets: $21 356 722

Assets Per Member: $3 111

MUNA

City: Meridian

Members: 5 170

Assets: $28 530 845

Assets Per Member: $5 519

SHELBY/BOLIVAR COUNTY

City: Boyle

Members: 1 894

Assets: $2 131 708

Assets Per Member: $1 126

STEPHENS-ADAMSON EMPLOYEES

City: Clarksdale

Members: 55

Assets: $142 469

Assets Per Member: $2 590

T.P.C. EMPLOYEES

City: Tupelo

Members: 317

Assets: $505 017

Assets Per Member: $1 593

MISSOURI

KANSAS CITY

City: Kansas City

Members: 6 488

Assets: $26 584 670

Assets Per Member: $4 098

ST. LOUIS COMMUNITY

City: St. Louis

Members: 51 712

Assets: $237 357 291

Assets Per Member: $4 590

ST. LOUIS POLICEMEN’S

City: St. Louis

Members: 2 394

Assets: $20 224 362

Assets Per Member: $8 448

WEST SIDE BAPTIST CHURCH

City: St. Louis

Members: 400

Assets: $300 709

Assets Per Member: $752

NEVADA

STAGE EMPLOYEES

City: Las Vegas

Members: 1 291

Assets: $13 815 501

Assets Per Member: $10 701

NEW JERSEY

DIVISION 819 TRANSIT EMPLOYEES

City: Irvington

Members: 2 056

Assets: $22 939 034

Assets Per Member: $11 157

ESSEX DIVISION TELEPHONE

City: Maplewood

Members: 2 010

Assets: $9 876 637

Assets Per Member: $4 914

FIRST BAPTIST CHURCH

City: Cranford

Members: 180

Assets: $112 061

Assets Per Member: $623

FRANKLIN-ST. JOHN’S

City: Newark

Members: 250

Assets: $219 174

Assets Per Member: $877

HEARD A.M.E.

City: Roselle

Members: 242

Assets: $284 467

Assets Per Member: $1 175

HELPING OTHER PEOPLE EXCEL

City: Lakewood

Members: 89

Assets: $36 423

Assets Per Member: $409

ISRAEL MEMORIAL AME

City: Newark

Members: 232

Assets: $673 481

Assets Per Member: $2 903

JERSEY CENTRAL

City: Cranford

Members:  2 932

Assets: $17 598 453

Assets Per Member: $6 002

LOCAL 1233

City: Newark

Members: 699

Assets: $8 905 298

Assets Per Member: $12 740

MERCER COUNTY IMPROVEMENT AUTHORITY

City: Hamilton

Members: 240

Assets: $$445 811

Assets Per Member: $1 858

MESSIAH BAPTIST CHURCH

City: East Orange

Members: 218

Assets: $267 609

Assets Per Member: $1 228

MOUNT ZION AME CHURCH

City: Trenton

Members: 108

Assets: $60 819

Assets Per Member: $563

NEWARK POST OFFICE EMPLOYEES

City: Newark

Members:  1 129

Assets: $4 149 126

Assets Per Member: $3 675

SALEM BAPTIST

City: Jersey City

Members: 110

Assets: $122 294

Assets Per Member: $1 112

NEW YORK

ABYSSINIAN BAPTIST CHURCH

City: New York

Members: 344

Assets: $1 181 412

Assets Per Member: $3 434

ALL SOULS

City: New York

Members: 212

Assets: $274 753

Assets Per Member: $1 296

BEULAH

City: Brooklyn

Members: 182

Assets: $167 035

Assets Per Member: $918

BYKOTA

City: Brooklyn

Members: 956

Assets: $1 531 409

Assets Per Member: $1 602

CHURCH OF THE MASTER

City: New York

Members: 383

Assets: $651 788

Assets Per Member: $1 702

CONCORD

City: Brooklyn

Members: 1 335

Assets: $8 855 490

Assets Per Member: $6 633

CORNERSTONE BAPTIST CHURCH

City: Brooklyn

Members: 283

Assets: $122 006

Assets Per Member: $431

EAST RIVER DEVELOPMENT ALLIANCE

City: Long Island

Members: 1 094

Assets: $773 832

Assets Per Member: $707

FAR ROCKAWAY POSTAL

City: Far Rockaway

Members: 88

Assets: $657 035

Assets Per Member: $7 466

FIDELIS

City: New York

Members: 313

Assets: $359 650

Assets Per Member: $1 149

FIRST BAPTIST CHURCH

City: East Elmhurst

Members: 197

Assets: $361 511

Assets Per Member: $1 835

GRACE CONGREGATIONAL CHURCH

City: New York

Members: 155

Assets: $277 000

Assets Per Member: $1 465

GREATER CENTENNIAL

City: Mount Vernon

Members: 276

Assets: $333 243

Assets Per Member: $1 207

MOUNT VERNON NY POSTAL EMPLOYEES

City: Mount Vernon

Members: 309

Assets: $2 203 578

Assets Per Member: $7 131

NEW YORK STATE EMPLOYEES

City: New York

Members: 1 206

Assets: $2 311 818

Assets Per Member: $1 917

N.U.L.

City: New York

Members: 137

Assets: $420 408

Assets Per Member: $3 069

PAUL QUINN

City: Flushing

Members: 210

Assets: $354 632

Assets Per Member: $1 689

QUEENS CLUSTER

City: Oakland Gardens

Members: 74

Assets: $161 484

Assets Per Member: $2 182

SOUTHERN BAPTIST CHURCH OF NEW YORK

City: New York

Members: 105

Assets: $222 226

Assets Per Member: $2 116

SPC BROOKLYN

Members: 367

Assets: $439 617

Assets Per Member: $1 198

ST. JOHN UNITED

City: Buffalo

Members: 1 480

Assets: $1 100 904

Assets Per Member: $744

ST. MARTIN’S

City: New York

Members: 222

Assets: $236 291

Assets Per Member: $1 064

ST. PHILIP’S CHURCH

City: New York

Members: 436

Assets: $1 667 887

Assets Per Member: $3 825

UNION BAPTIST GREENBURGH

City: White Plains

Members: 298

Assets: $338 846

Assets Per Member: $1 137

UNION CONGREGATIONAL

City: New York

Members: 138

Assets: $387 243

Assets Per Member: $2 806

VARICK MEMORIAL

City: Uniondale

Members: 265

Assets: $484 742

Assets Per Member: $1 829

YONKERS POSTAL EMPLOYEES

City: Yonkers

Members: 582

Assets: $7 392 141

Assets Per Member: $$12 701

NORTH CAROLINA

FIRST LEGACY COMMUNITY

City: Charlotte

Members: 10 275

Assets: $40 462 066

Assets Per Member: $3 938

GREATER KINSTON

City: Kinston

Members: 5 715

Assets: $10 879 266

Assets Per Member: $1 904

INTERNAL REVENUE EMPLOYEES

City: Greensboro

Members: 1 270

Assets: $25 971 850

Assets Per Member: $20 450

MOUNT VERNON BAPTIST CHURCH

City: Durham

Members: 235

Assets: $200 767

Assets Per Member: $854

SHAW UNIVERSITY

City: Raleigh

Members: 135

Assets: $546 988

Assets Per Member: $4 052

OHIO

CARMEL BROTHERHOOD

City: Cincinnati

Members: 149

Assets: $251 838

Assets Per Member: $1 690

CIVIL SERVICE EMPLOYEES ASSOCIATION

City: Cleveland

Members: 2 618

Assets: $6 264 072

Assets Per Member: $2 393

CLEVELAND CHURCH OF CHRIST

City: Cleveland

Members: 571

Assets: $249 690

Assets Per Member: $437

CLEVELAND POLICE

City: Cleveland

Members: 4 884

Assets: $33 394 956

Assets Per Member: $6 838

CORY METHODIST CHURCH

City: Cleveland

Members: 955

Assets: $2 274 682

Assets Per Member: $2 382

MT. ZION WOODLAWN

City: Cincinnati

Members: 358

Assets: $95 539

Assets Per Member: $267

RTA HAYDEN

City: East Cleveland

Members: 662

Assets: $1 695 138

Assets Per Member: $2 561

SHILOH BAPTIST CHURCH

City: Columbus

Members: 323

Assets: $230 314

Assets Per Member: $713

STARK METROPOLITAN HOUSING AUTHORITY

City: Canton

Members: 1 550

Assets: $1 999 627

Assets Per Member: $1 290

TOLEDO TEAMSTERS

City: Toledo

Members: 1 338

Assets: $4 571 486

Assets Per Member: $3 417

TOLEDO URBAN

City: Toledo

Members: 2 020

Assets: $4 115 875

Assets Per Member: $2 038

YHA SOUTH UNIT

City: Youngstown

Members: 658

Assets: $1 728 945

Assets Per Member: $2 628

OKLAHOMA

LANGSTON

City: Langston

Members: 238

Assets: $139 574

Assets Per Member: $586

PENNSYLVANIA

AMERICAN BAKERY WORKERS

City: Philadelphia

Members: 1 512

Assets: $5 679 372

Assets Per Member: $3 756

BETHANY BAPTIST CHRISTIAN

City: Chester

Members: 96

Assets: $111 861

Assets Per Member: $1 165

CHESTER UPLAND SCHOOL EMPLOYEES

City: Chester

Members: 547

Assets: $933 063

Assets Per Member: $1 706

FIRST BAPTIST CHURCH OF DARBY

City: Darby

Members: 137

Assets: $65 902

Assets Per Member: $481

HILL DISTRICT

City: Pittsburgh

Members: 2 955

Assets: $4 029 224

Assets Per Member: $1 364

HOLSEY TEMPLE

City: Philadelphia

Members: 64

Assets: $41 445

Assets Per Member: $648

JONES TABERNACLE

City: Philadelphia

Members: 96

Assets: $85 091

Assets Per Member: $886

M.A.B.C.

City: Philadelphia

Members: 225

Assets: $149 614

Assets Per Member: $665

MORNING STAR BAPTIST

City: Clairton

Members: 385

Assets: $578 959

Assets Per Member: $1 504

MOUNT CARMEL BAPTIST

City: Philadelphia

Members: 252

Assets: $845 474

Assets Per Member: $3 355

NEW LIFE

City: Philadelphia

Members: 854

Assets: $523 287

Assets Per Member: $613

PHILADELPHIA MINT

City: Philadelphia

Members: 393

Assets: $882 089

Assets Per Member: $2 245

PINN MEMORIAL

City: Philadelphia

Members: 360

Assets: $237 484

Assets Per Member: $660

P S T C   EMPLOYEES

City: Upper Darby

Members: 4 049

Assets: $34 619 844

Assets Per Member: $8 550

S I PHILADELPHIA

City: Philadelphia

Members: 162

Assets: $229 682

Assets Per Member: $1 418

S M

City: Philadelphia

Members: 119

Assets: $88 009

Assets Per Member: $740

ST. PAUL’S

City: Philadelphia

Members: 275

Assets: $127 781

Assets Per Member: $465

THE TRIUMPH BAPTIST

City: Philadelphia

Members: 379

Assets: $497 991

Assets Per Member: $1 314

VINE MEMORIAL

City: Philadelphia

Members: 175

Assets: $100 562

Assets Per Member: $575

WARD

City: Philadelphia

Members: 171

Assets: $133 911

Assets Per Member: $783

WAYLAND TEMPLE BAPTIST

City: Philadelphia

Members: 216

Assets: $237 778

Assets Per Member: $1 101

WESLEY AME ZION

City: Philadelphia

Members: 200

Assets: $116 763

Assets Per Member: $584

WHITE ROCK

City: Philadelphia

Members: 174

Assets: $703 048

Assets Per Member: $4 041

ZION

City: Philadelphia

Members: 342

Assets: $286 401

Assets Per Member: $837

SOUTH CAROLINA

BERKELEY COMMUNITY

City: Moncks Corner

Members: 2 546

Assets: $9 408 482

Assets Per Member: $3 695

BROOKLAND

City: West Columbia

Members: 1 323

Assets: $3 574 783

Assets Per Member: $2 702

CHARLESTON COUNTY TEACHERS

City: Charleston

Members: 989

Assets: $1 348 644

Assets Per Member: $1 364

C O CHARLESTON

City: Charleston

Members: 397

Assets: $1 613 887

Assets Per Member: $4 065

SUMTER CITY

City: Sumter

Members: 845

Assets: $3 023 029

Assets Per Member: $3 578

TRINITY BAPTIST CHURCH

City: Florence

Members: 251

Assets: $2 658 371

Assets Per Member: $10 591

TENNESSEE

I TRUST

City: Memphis

Members: 3 251

Assets: $18 421 194

Assets Per Member: $5 666

MEMPHIS CITY EMPLOYEES

City: Memphis

Members: 26 740

Assets: $237 168 022

Assets Per Member: $8 869

MEMPHIS MUNICIPAL EMPLOYEES

City: Memphis

Members: 2 804

Assets: $12 975 963

Assets Per Member: $4 628

METROPOLITAN TEACHERS

City: Nasvhille

Members: 920

Assets: $3 503 403

Assets Per Member: $3 808

NEWSPAPER AND PRINTERS

City: Nashville

Members: 348

Assets: $1 475 483

Assets Per Member: $4 240

SHELBY COUNTY

City: Memphis

Members: 11 299

Assets: $56 058 760

Assets Per Member: $4 961

TSU

City: Nashville

Members: 415

Assets: $1 387 709

Assets Per Member: $3 344

TEXAS

BRENTWOOD BAPTIST CHURCH

City: Houston

Members: 1 033

Assets: $868 332

Assets Per Member: $841

COVENANT SAVINGS

City: Copperas Cove

Members: 1 375

Assets: $2 862 472

Assets Per Member: $2 082

EMPOWERMENT COMMUNITY DEVELOPMENT

City: Houston

Members: 781

Assets: $1 005 008

Assets Per Member: $1 287

LIGHT COMMERCE

City: Houston

Members: 836

Assets: $3 632 989

Assets Per Member: $4 346

MARTIN LUTHER KING

City: Houston

Members: 431

Assets: $399 844

Assets Per Member: $928

MOUNT OLIVE BAPTIST CHURCH

City: Arlington

Members: 1 040

Assets: $4 032 285

Assets Per Member: $3 877

NORTH CENTRAL PHM

City: Dallas

Members: 120

Assets: $174 888

Assets Per Member: $1 457

OAK CLIFF CHRISTIAN

City: Dallas

Members: 1 437

Assets: $3 483 565

Assets Per Member: $2 424

PEAR ORCHARD

City: Beaumont

Members: 373

Assets: $1 023 938

Assets Per Member: $$2 745

PORT OF HOUSTON WAREHOUSE

City: Houston

Members: 298

Assets: $3 890 183

Assets Per Member: $13 054

PRAIRIE VIEW

City: Prairie View

Members: 1 209

Assets: $4 955 096

Assets Per Member: $4 099

RIO GRANDE MASONIC PRINCE HALL

City: Houston

Members: 89

Assets: $349 601

Assets Per Member: $3 928

ST. MARY’S

City: Houston

Members: 414

Assets: $414 418

Assets Per Member: $1 001

VIRGINIA

BRUNSWICK COUNTY TEACHERS

City: Lawrenceville

Members: 432

Assets: $886 328

Assets Per Member: $2 052

CADMUS CREDIT UNION INCORPORATED

City: Richmond

Members: 699

Assets: $2 642 641

Assets Per Member: $3 781

DINWIDDIE EDUCATION ASSOCIATION

City: Dinwiddie

Members: 326

Assets: $1 850 561

Assets Per Member: $5 677

FIRST BAPTIST CHURCH OF VIENNA

City: Vienna

Members: 421

Assets: $1 466 332

Assets Per Member: $3 483

GLAMORGAN EMPLOYEES

City: Lynchburg

Members: 238

Assets: $993 836

Assets Per Member: $4 176

GREENSVILLE COUNTY TEACHERS ASSOCIATION

City: Emporia

Members: 534

Assets: $266 487

Assets Per Member: $499

HALIFAX COUNTY COMMUNITY

City: South Boston

Members: 5 242

Assets: $6 322 114

Assets Per Member: $1 206

HAMPTON CITY EMPLOYEE CREDIT UNION INC.

City: Hampton

Members: 1 910

Assets: $5 968 643

Assets Per Member: $3 125

HAMPTON ROADS POSTAL CU, INC.

City: Hampton

Members: 713

Assets: $3 354 987

Assets Per Member: $4 705

HEW

City: Alexandria

Members: 2 388

Assets: $160 465 955

Assets Per Member: $8 637

HIGH STREET BAPTIST CHURCH

City: Roanoke

Members: 336

Assets: $1 940 245

Assets Per Member: $5 775

METROPOLITAN CHURCH

City: Suffolk

Members: 1 787

Assets: $7 675 702

Assets Per Member: $4 295

MOUNT PLEASANT BAPTIST CHURCH

City: Alexandria

Members: 154

Assets: $164 888

Assets Per Member: $1 071

NEW BETHEL

City: Portsmouth

Members: 175

Assets: $115 489

Assets Per Member: $660

OLD DOMINION UNIVERSITY CU INC.

City: Norfolk

Members: 3 407

Assets: $25 505 369

Assets Per Member: $7 486

PLANTERS

City: Suffolk

Members: 847

Assets: $4 025 091

Assets Per Member: $4 752

PORT OF HAMPTON ROADS ILA

City: Norfolk

Members: 1 681

Assets: $6 457 610

Assets Per Member: $3 842

PORTSMOUTH VA CITY EMPLOYEES

City: Portsmouth

Members: 919

Assets: $ 2 749 242

Assets Per Member: $2 992

PORTSMOUTH SCHOOLS

City: Portsmouth

Members: 1 600

Assets: $2 247 701

Assets Per Member: $1 405

RICHMOND HERITAGE

City: Richmond

Members: 2 388

Assets: $7 127 326

Assets Per Member: $2 985

TBC

City: Richmond

Members: 162

Assets: $127 009

Assets Per Member: $784

THE RICHMOND POSTAL CREDIT UNION INC.

City: Richmond

Members: 82 440

Assets: $79 636 386

Assets Per Member: $966

VIRGINIA STATE UNIVERSITY

City: South Chesterfield

Members: 2 343

Assets: $10 615 277

Assets Per Member: $4 531

VIRGIN ISLANDS

CHRISTIANSTED

City: Christiansted

Members: 3 704

Assets: $21 256 485

Assets Per Member: $5 739

FREDERIKSTED

City: Frederiksted

Members: 2 736

Assets: $11 081 946

Assets Per Member: $4 050

MID-ISLAND

City: Christiansted

Members: 3 127

Assets: $8 991 828

Assets Per Member: $2 876

ST. THOMAS

City: Charlotte Amali

Members: 6 473

Assets: $48 650 688

Assets Per Member: $7 516

VITELCO EMPLOYEES

City: Charlotte Amali

Members: 422

Assets: $2 310 142

Assets Per Member: $5 474

WASHINGTON

NORTHWEST BAPTIST

City: Seattle

Members: 978

Assets: $4 673 101

Assets Per Member: $4 778

WEST VIRGINIA

WEST VIRGINIA STATE CONVENTION

City: Hilltop

Members: 144

Assets: $193 572

Assets Per Member: $1 344

WISCONSIN

CTK

City: Milwaukee

Members: 400

Assets: $275 366

Assets Per Member: $688

GREATER GALILEE BAPTIST

City: Milwaukee

Members: 140

Assets: $198 226

Assets Per Member: $1 416

HOLY REDEEMER COMMUNITY OF SE WISCONSIN

City: Milwaukee

Members: 279

Assets: $1 065 590

Assets Per Member: $3 819

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