CommunityAmerica to merge with Texas-based CU, creating $9 billion-asset company.
The Kansas-based lender plans a consolidation that would expand its national footprint, preserve branch operations, and rank it among the largest U.S. credit unions.
CommunityAmerica Credit Union of Lenexa, Kansas, has proposed a merger with Unify Financial Federal Credit Union of Allen, Texas, the Credit Union Times reported.
The move would create a nearly $9 billion-asset institution serving more than 619,000 members across 18 states, according to documents filed with the National Credit Union Administration.
If approved by members and regulators, the combined credit union would operate under the CommunityAmerica name and retain its headquarters in Kansas.
The proposed consolidation would preserve existing accounts, services, and branch operations while offering members access to expanded technology platforms and a broader geographic reach. The merger would also elevate the new entity into the top tier of U.S. credit unions by asset size.
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CommunityAmerica, which reported $5.4 billion in assets and a $21.5 million profit through the first half of 2025, has scheduled a special member meeting for October 31 to vote on the proposal. Members also have the option to vote in advance, following instructions in the official notice.
Unify Financial, with $3.5 billion in assets, reported a dramatic earnings increase, generating $32.4 million in the same period, up from $3 million a year earlier.
The NCUA, which requires member notifications and allows public comments during the merger process, said it will publish feedback after review but will not endorse either side.
The proposed deal follows CommunityAmerica’s January announcement to merge with Electro Savings Credit Union in St. Louis, further cementing its status as the largest credit union in Missouri.
The merger with Unify Financial comes as credit union consolidations remain active, with 45 mergers approved in the second quarter of 2025 alone. Final regulatory approval is expected by late 2025.
