Fourleaf Federal Credit Union (4735), a $14.1B credit union headquartered in Bethpage, NY, led by CEO Armyn, reported 512,282 members at the end of 2025 Q3, an increase of 28,379 members (+5.9%) compared to the same quarter last year.
Strong membership growth indicates successful community engagement, competitive products, and effective marketing—key drivers of long-term franchise value.
Per-Member Economics
Fourleaf Federal Credit Union's 512,282 members maintain an average of $24K in deposits and $21K in loans. Membership growing faster than per-member balances suggests successful acquisition of newer members who haven't yet consolidated accounts.
Membership Trends
Consistent quarterly member additions demonstrate sustainable acquisition momentum.
Quarterly Membership Trend
| Period | Members | QoQ Change | Assets/Member |
|---|---|---|---|
| 2024 Q2 | 473,707 | $27K | |
| 2024 Q3 | 483,903 | +2.2% | $28K |
| 2024 Q4 | 484,638 | +0.2% | $28K |
| 2025 Q1 | 492,545 | +1.6% | $27K |
| 2025 Q2 | 502,230 | +2.0% | $28K |
| 2025 Q3 | 512,282 | +2.0% | $27K |
Source: NCUA 5300 Call Reports
Field of Membership Penetration
Fourleaf Federal Credit Union has a defined field of membership comprising 342,579,536 potential members. With 512,282 current members, the credit union achieves a 0.1% penetration rate, representing significant untapped growth potential.
Historical Context: Since the 2008 Crisis
Fourleaf Federal Credit Union's membership has grown 244% since Q3 2008, when the financial crisis peaked. At that time, the credit union served 149,057 members.
This sustained membership expansion reflects successful community engagement and competitive positioning over nearly two decades.
Peer Comparison
Among 43 credit unions in its $7.0B–$21.1B asset peer group, Fourleaf Federal Credit Union ranks in the 86th percentile for membership growth. This positions the credit union as a member acquisition leader among similarly-sized institutions.
Outlook
With positive membership momentum, Fourleaf Federal Credit Union is positioned to leverage its growing base for cross-selling opportunities and deposit gathering. Key factors to watch include member retention rates, new member activation, and competitive dynamics in NY.
Fourleaf Federal Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether membership growth can accelerate.
Track This Credit Union
Monitor Fourleaf Federal Credit Union's quarterly membership trends, per-member economics, and engagement metrics with Finleet Terminal.
Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Per-member metrics calculated by dividing totals by member count.