01 / NAICS Market Profile
NAICS 522130 Credit Unions Federal Contracts
North American Industry Classification System code 522130
Federal contract activity classified under Credit Unions across FY 2020–FY 2026. Net obligations include both new obligations and subsequent deobligations.
02 / Market Size
How large is the NAICS 522130 federal market?
03 / Spending Trend
NAICS 522130 contract spending by fiscal year
Annual obligations, activity, and participation across the same FY 2020–FY 2026 profile window.
Latest closed fiscal year-$84.8K
FY 2026| Fiscal year | Obligations | Actions | Vendors | Customers | Change |
|---|---|---|---|---|---|
| FY 2020 | $16.3K | 4 | 3 | 1 | — |
| FY 2021 | $85.0K | 7 | 4 | 1 | +422.6% |
| FY 2022 | -$521 | 12 | 4 | 1 | −100.6% |
| FY 2023 | $72.9K | 7 | 4 | 1 | +14,086.1% |
| FY 2024 | $58.8K | 7 | 3 | 1 | −19.2% |
| FY 2025 | $18.4K | 7 | 4 | 1 | −68.7% |
| FY 2026 | -$84.8K | 1 | 1 | 1 | −560.7% |
04 / Top Federal Customers
Which federal agencies buy most in this industry?
Ranked by net obligations during FY 2020–FY 2026.
| Federal customer | Code | Obligations | Actions | Vendors | Market share |
|---|---|---|---|---|---|
| DEFENSE COMMISSARY AGENCY (DECA) | 97AZ | $166.0K | 45 | 4 | 100.0% |
05 / Contracting Offices
Which contracting offices buy in NAICS 522130?
Ranked by net obligations during FY 2020–FY 2026.
| Office | Code | Agency | Obligations | Actions | Vendors | Market share |
|---|---|---|---|---|---|---|
| DEFENSE COMMISSARY AGENCY | HDEC05 | DEFENSE COMMISSARY AGENCY (DECA) | $136.4K | 41 | 4 | 82.2% |
| DEFENSE COMMISSARY AGENCY | HQC005 | DEFENSE COMMISSARY AGENCY (DECA) | $29.6K | 4 | 3 | 17.8% |
06 / Top Vendors
Which contractors lead the NAICS 522130 market?
| Vendor | Obligations | Actions | Customers | Market share | Latest activity |
|---|---|---|---|---|---|
| ARMED FORCES BANK, NATIONAL ASSOCIATION | $87.5K | 17 | 1 | 52.7% | Jan 15, 2026 |
| FREESTAR FINANCIAL CREDIT UNION | $77.3K | 8 | 1 | 46.6% | May 12, 2025 |
| CENTRAL COAST FEDERAL CREDIT UNION | $859 | 11 | 1 | 0.5% | Jun 11, 2025 |
| MARINE FEDERAL CREDIT UNION (INC) | $349 | 9 | 1 | 0.2% | Jul 28, 2025 |
07 / Product and Service Mix
What products and services are purchased under NAICS 522130?
| PSC | Description | Obligations | Actions | Vendors | Share |
|---|---|---|---|---|---|
| R711 | SUPPORT- MANAGEMENT: BANKING | $166.0K | 45 | 4 | 100.0% |
08 / Buying Pattern
How does the government buy in NAICS 522130?
| Common action type | Obligations | Actions |
|---|---|---|
| PURCHASE ORDER | $166.0K | 45 |
09 / Recent Contract Awards
What was awarded most recently in NAICS 522130?
| Award / PIID | Vendor | Signed date | Obligation | PSC | Agency / office |
|---|---|---|---|---|---|
| HDEC0521P0004 | ARMED FORCES BANK, NATIONAL ASSOCIATION | Jan 15, 2026 | -$84.8K | R711 | DEFENSE COMMISSARY AGENCY (DECA)DEFENSE COMMISSARY AGENCY |
10 / Market Interpretation
How should contractors evaluate this market?
Start with the spending direction
Compare annual obligations with actions and vendor participation. Growth driven by only a few large actions represents a different opportunity from broad, recurring demand.
Follow the actual buyers
Move from federal customers to contracting offices. Offices reveal where acquisition responsibility and recurring purchasing activity are concentrated.
Measure accessible demand
Use competition, small-business participation, incumbent vendors, and PSC mix before treating the full $166.0K market as addressable.