In Q1 2026, CRIERS in NJ reported nonperforming assets at 94.37%, a +93.72pp deviation from the 50-institution cohort median of 0.65%. FIRST BAPTIST CHURCH (STRATFORD) in CT and MT ZION WOODLAWN in OH similarly exceeded peer levels at 80.58% and 51.76%, respectively.

Outliers vs Peer Cohort

Sorted by NPL % vs Peer ↓

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Rank	Institution	Source	State	NPL % vs Peer	QoQ
1	CRIERS	CU	NJ	93.7%	+94.4
2	FIRST BAPTIST CHURCH (STRATFORD)	CU	CT	79.9%	+78.6
3	MT ZION WOODLAWN	CU	OH	51.1%	+5.9
4	STEPHENS COUNTY COMMUNITY	CU	GA	48.4%	+49.0
5	NRS COMMUNITY DEVELOPMENT	CU	AL	41.5%	-1.3
6	MONET BANK	BANK	TX	36.1%	+2.5
7	PEAR ORCHARD	CU	TX	35.8%	+4.0
8	AMERICAN TRUST&SAVINGS BANK	BANK	IA	29.6%	+20.7
9	NEW LIFE	CU	PA	27.0%	+6.6
10	BYKOTA	CU	NY	25.4%	-0.6
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	HILL DISTRICT	CU	PA	████	████	████
13	MERIDEN POSTAL EMPLOYEES	CU	CT	████	████	████
14	FAR ROCKAWAY POSTAL	CU	NY	████	████	████
15	LAMONT BANK OF ST JOHN	BANK	WA	████	████	████
16	AKRON	CU	CO	████	████	████
17	UNION BAPTIST GREENBURGH	CU	NY	████	████	████
18	NANO BANC	BANK	CA	████	████	████
19	GLAMORGAN EMPLOYEES	CU	VA	████	████	████
20	PEOPLE TRUST COMMUNITY	CU	AR	████	████	████
21	FIRST UNITY	CU	MS	████	████	████
22	SHAKER HEIGHTS	CU	OH	████	████	████
23	MIDFIRST BANK	BANK	OK	████	████	████
24	GRAND RIVERS COMMUNITY BANK	BANK	IL	████	████	████
25	GREATER CENTENNIAL	CU	NY	████	████	████
26	FIRST&PEOPLES BANK&TRUST CO	BANK	KY	████	████	████
27	CHICAGO AVENUE GARAGE	CU	IL	████	████	████
28	CALIFORNIA PACIFIC BANK	BANK	CA	████	████	████
29	PLAINFIELD POLICE & FIREMEN'S	CU	NJ	████	████	████
30	WRIGHT-DUNBAR AREA	CU	OH	████	████	████
31	ST. ATHANASIUS	CU	IA	████	████	████
32	WEDEVELOPMENT	CU	MO	████	████	████
33	SARGENT	CU	DC	████	████	████
34	COLUMBIA SAVINGS&LOAN ASSN	BANK	WI	████	████	████
35	PARIS DISTRICT	CU	TX	████	████	████
36	LOCAL 355 MD	CU	MD	████	████	████
37	GUERNSEY COMMUNITY	CU	WY	████	████	████
38	WASHITA VALLEY BANK	BANK	OK	████	████	████
39	BASF CHATTANOOGA	CU	TN	████	████	████
40	STEPPING STONES COMMUNITY	CU	DE	████	████	████
41	ISSAQUENA COUNTY	CU	MS	████	████	████
42	BANK OF CHINA	BANK	CA	████	████	████
43	UNITED HOSPITAL CENTER	CU	WV	████	████	████
44	IMPERIAL	CU	IL	████	████	████
45	CAMDEN FIREMEN'S	CU	NJ	████	████	████
46	FRIONA TEXAS	CU	TX	████	████	████
47	PILGRIM CUCC	CU	TX	████	████	████
48	ST. PHILIP'S CHURCH	CU	NY	████	████	████
49	BERKSHIRE BANK	BANK	NY	████	████	████
50	METROPOLITAN CHURCH	CU	VA	████	████	████

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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