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, column sort, archives, and CSV export with Mastermind. Unlock with Mastermind

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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 is at least 2× the median for their size cohort. The peer median is the median nonperforming ratio across all active institutions in the same size cohort and quarter. Qualifying institutions are sorted by how far their ratio sits above that median, largest first, so the biggest outliers lead 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 recalculated every quarter. Comparing banks with credit unions: bank "non-current" loans (90+ days past due or nonaccrual) and credit-union "60+ days delinquent" loans are the closest measures the two filings share, not exact equivalents. Methodology updated 2026-03-31: bank non-current loan volumes now come directly from FFIEC Call Report Schedule RC-N. Earlier quarters used an approximation derived from BankFind ratios, so today's rankings use a more precise bank-side figure. Read the methodology update note at /blog/npl-explorer-fdic-cdr-direct-sourcing.

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