In Q4 2025, three institutions showed nonperforming loan rates far above their peer cohort median of 0.71%: ALLOY EMPLOYEES in WI reached 69.11%, MT ZION WOODLAWN in OH hit 45.82%, and NRS COMMUNITY DEVELOPMENT in AL posted 43.46%, representing deviations of +68.40pp, +45.12pp, and +42.75pp respectively.

Outliers vs Peer Cohort

Sorted by NPL % vs Peer ↓

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Rank	Institution	Source	State	NPL % vs Peer	QoQ
1	ALLOY EMPLOYEES	CU	WI	68.4%	+50.3
2	MT ZION WOODLAWN	CU	OH	45.1%	+3.8
3	NRS COMMUNITY DEVELOPMENT	CU	AL	42.7%	+7.9
4	MOUNT VERNON BAPTIST CHURCH	CU	NC	41.2%	+37.3
5	BEAL BANK	BANK	TX	33.6%	+28.4
6	PEAR ORCHARD	CU	TX	31.7%	+1.3
7	ST. ATHANASIUS	CU	IA	28.7%	+16.8
8	HILL DISTRICT	CU	PA	27.8%	+3.2
9	BYKOTA	CU	NY	26.0%	-9.4
10	FAR ROCKAWAY POSTAL	CU	NY	25.5%	+8.1
40 more institutions match this list. Unlock metric values for every row and column sort with Foundation. Unlock with Foundation

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Rank	Institution	Source	State	NPL % vs Peer	QoQ	Trend
11	EMPOWERMENT COMMUNITY DEVELOPMENT	CU	TX	████	████	████
12	WEDEVELOPMENT	CU	MO	████	████	████
13	NANO BANC	BANK	CA	████	████	████
14	MERIDEN POSTAL EMPLOYEES	CU	CT	████	████	████
15	FIRST UNITY	CU	MS	████	████	████
16	ISSAQUENA COUNTY	CU	MS	████	████	████
17	WRIGHT-DUNBAR AREA	CU	OH	████	████	████
18	NEW LIFE	CU	PA	████	████	████
19	COLUMBIA SAVINGS&LOAN ASSN	BANK	WI	████	████	████
20	FIRST&PEOPLES BANK&TRUST CO	BANK	KY	████	████	████
21	UNION BAPTIST GREENBURGH	CU	NY	████	████	████
22	CHICAGO AVENUE GARAGE	CU	IL	████	████	████
23	CALIFORNIA PACIFIC BANK	BANK	CA	████	████	████
24	JOHN WESLEY AME ZION CHURCH	CU	DC	████	████	████
25	SHAKER HEIGHTS	CU	OH	████	████	████
26	GRAND RIVERS COMMUNITY BANK	BANK	IL	████	████	████
27	PLAINFIELD POLICE & FIREMEN'S	CU	NJ	████	████	████
28	GLAMORGAN EMPLOYEES	CU	VA	████	████	████
29	PEOPLE TRUST COMMUNITY	CU	AR	████	████	████
30	SPC BROOKLYN	CU	NY	████	████	████
31	MIDFIRST BANK	BANK	OK	████	████	████
32	SIXTH AVENUE BAPTIST	CU	AL	████	████	████
33	HEEKIN CAN EMPL	CU	OH	████	████	████
34	GUERNSEY COMMUNITY	CU	WY	████	████	████
35	GARY POLICE DEPARTMENT EMPLOYEES	CU	IN	████	████	████
36	LOCAL 355 MD	CU	MD	████	████	████
37	CITY OF FAIRMONT	CU	WV	████	████	████
38	LOS ANGELES LEE	CU	CA	████	████	████
39	CHESTERFIELD STATE BANK	BANK	IL	████	████	████
40	BASF CHATTANOOGA	CU	TN	████	████	████
41	AKRON	CU	CO	████	████	████
42	RED RIVER STATE BANK	BANK	MN	████	████	████
43	ISRAEL MEMORIAL A M E	CU	NJ	████	████	████
44	SYMPHONY	CU	MA	████	████	████
45	WASHITA VALLEY BANK	BANK	OK	████	████	████
46	FARMERS BRANCH CITY EMPLOYEES	CU	TX	████	████	████
47	BERKSHIRE BANK	BANK	NY	████	████	████
48	FRIONA TEXAS	CU	TX	████	████	████
49	TAYCO EMPLOYEES	CU	KY	████	████	████
50	GARY FIREFIGHTERS ASSOCIATION	CU	IN	████	████	████

Methodology

We rank institutions whose nonperforming-loan ratio meets or exceeds 2× their size-cohort peer median. For each institution we compare nonperforming_pct_total against peer_median_nonperforming_pct (the median nonperforming ratio across all active institutions in the same size cohort and quarter) and require the institution's ratio to be greater than or equal to the multiple (thresholds.peerMultiple = 2) times the peer median. Results are sorted by peer_deviation_nonperforming_pct (institution minus peer median) in descending order, so the largest absolute outliers float to the top of the list. For banks (FDIC-insured): non-current loans — FFIEC Call Report Schedule RC-N line 9, 90+ days past due col B (RCFD1407 / RCON1407) plus nonaccrual col C (RCFD1403 / RCON1403); total loans denominator — Schedule RC-C line 12 (RCFD2122 / RCON2122). For credit unions: 60+ days delinquent — NCUA ACCT_041B (direct aggregate); total loans denominator — NCUA ACCT_025B. Size cohorts and peer medians are computed during the per-quarter normalize step. Cross-type comparability: bank "non-current" and CU "60+ delinquent" are LCD approximations, not equivalents. Methodology updated 2026-03-31: bank non-current loan volumes now source directly from FFIEC Call Report Schedule RC-N. Prior quarters used a BankFind ratio-derived approximation, which means today's peer-deviation rankings reflect a more precise denominator on the bank side. Read the methodology update note at /blog/npl-explorer-fdic-cdr-direct-sourcing.

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