Distressed Credit Unions — quarterly call-report signals

• BYKOTA · NY
• LAMONT BANK OF ST JOHN · WA
• PEOPLE TRUST COMMUNITY · AR

Banks (FDIC-insured) raise the capital-pressure flag when Tier 1 leverage ratio drops below 5% OR total risk-based capital ratio drops below 10%. Credit unions (NCUA-chartered) raise the flag when the net worth ratio drops below 7% (PCA "adequately capitalized" floor). Within flagged institutions, we sub-rank by deviation from the size-cohort peer median nonperforming-loan ratio. For banks: Tier 1 leverage ratio — FDIC BankFind Suite financials endpoint RBC1AAJ; total risk-based capital ratio — FDIC BankFind RBCRWAJ. Capital ratios remain BankFind-canonical (no CDR-direct override for these in Plan 5). Peer-deviation denominator (nonperforming-loan ratio) numerator — FFIEC Call Report Schedule RC-N line 9, 90+ days past due col B (RCFD1407 / RCON1407) plus nonaccrual col C (RCFD1403 / RCON1403). Denominator — Schedule RC-C line 12 total loans (RCFD2122 / RCON2122). For credit unions: net worth ratio — NCUA ACCT_998 (stored in percent units after normalization). Peer-deviation denominator (60+ delinquent ratio) — NCUA ACCT_041B divided by total loans ACCT_025B. Cross-type comparability: the capital-pressure flag uses different regulatory thresholds for banks (Tier 1 / total RBC) vs CUs (net worth ratio). The peer-deviation sub-rank also compares LCD-approximated nonperforming ratios across the two regimes — bank "non-current" (90+ past due or nonaccrual) and CU "60+ delinquent" are LCD approximations, not equivalents. Methodology updated 2026-03-31: bank peer-deviation denominators now source nonperforming volume directly from FFIEC Call Report Schedule RC-N rather than a BankFind ratio-derived approximation. The capital-ratio flag thresholds (5%, 10%, 7%) are unchanged. Read the methodology update note at /blog/npl-explorer-fdic-cdr-direct-sourcing.

• CRIERS · NJ
• FIRST BAPTIST CHURCH (STRATFORD) · CT
• MT ZION WOODLAWN · OH

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.

• MAUI TEACHERS · HI
• TUSCALOOSA V A · AL
• INTEGRITY · OH

This card ranks credit unions whose auto-loan exposure is both elevated and growing. The underlying NCUA series reports all dealer-originated ("indirect") lending — predominantly auto in practice (~78% of indirect-lending volume per NCUA FS220P Q4 2025; remainder is dealer-originated residential mortgage, commercial, and other categories). We compute concentration as indirect_lending_balance (ACCT_618A) ÷ total_loans (ACCT_025B). Filters: concentration must exceed the threshold (thresholds.minConcentration = 0.25, i.e. more than 25% of total loans) AND grow quarter-over-quarter by at least the minimum delta (thresholds.minQoqDelta = 0.005, i.e. a 0.5 percentage-point rise vs the prior quarter). Sibling to the Auto NPL Trend card, which uses the same NCUA indirect-lending series but ranks on the delinquency axis (ACCT_041E aggregate / ACCT_618A) rather than concentration trend. Sorted by quarter-over-quarter delta descending. Credit unions only (NCUA 5300); banks do not separately report dealer-indirect auto in the FDIC BankFind Suite financials endpoint.

• JACKSON AREA · MS
• PEOPLE TRUST COMMUNITY · AR
• COPPER & GLASS · PA

We rank credit unions whose net worth ratio falls below the 7% well-capitalized threshold (thresholds.maxNetWorth = 7.0, stored in PERCENT units — i.e. 11.36 for an 11.36% NWR — in call_report_cu_specifics.net_worth_ratio_pct after normalize-ncua.js divides the raw ACCT_998 hundredths-of-percent value by 100). The 7% well-capitalized line and the 6% adequately-capitalized floor are the NCUA Prompt Corrective Action (PCA) tier triggers under 12 CFR §702 — credit unions below 7% face earnings-retention requirements, and credit unions below 6% are classified undercapitalized with escalating supervisory restrictions. Sorted ascending by net_worth_ratio_pct so the lowest-capital (most distressed) CUs surface first. Credit unions only (NCUA 5300); banks have a distinct Tier 1 leverage / risk-based capital framework reported separately.

• AMERICAN STATE BANK · TX
• SNB BANK NATIONAL ASSN · OK
• FIRST FEDERAL BANK OF LA · LA

Other Real Estate Owned (OREO) is property an institution has taken onto its balance sheet through foreclosure or deed-in-lieu, held pending sale. A rising OREO balance is a back-of-cycle stress signal — workouts that have completed the foreclosure pipeline and converted into property the institution must now dispose of. This card ranks institutions across both banks and credit unions by the quarter-over-quarter change in the OREO-to-total-assets ratio (oreo_qoq_delta_pct), surfacing the top 50 with a delta that meets or exceeds 0.001 (a 0.1 percentage-point QoQ increase in the OREO share of total assets). For banks (FDIC-insured): OREO — FFIEC Call Report Schedule RC-M item 3f (RCON2150 — RC-M items are RCON-only); total assets denominator — Schedule RC (RCFD2170 / RCON2170). For credit unions: foreclosed real estate (CU OREO equivalent) — NCUA ACCT_798; total assets denominator — NCUA ACCT_010. Cross-type comparability: bank OREO and CU foreclosed real estate (ACCT_798) are broadly analogous — both capture post-foreclosure real-estate inventory — but bank Schedule RC-M item 3f additionally bundles ex-bank-premises and other repossessed real estate that CU reporting tracks in separate accounts. Treat per-quarter QoQ deltas as comparable; cross-sectional totals remain LCD approximations. Methodology updated 2026-03-31: bank OREO balances now source directly from FFIEC Call Report Schedule RC-M item 3f (RCON2150). Prior quarters used the FDIC BankFind Suite financials endpoint ORE field family. The two should agree within tolerance; this update reflects the source-of-truth change, not a value-change in the underlying filing. Read the methodology update note at /blog/npl-explorer-fdic-cdr-direct-sourcing.

• WEDEVELOPMENT · MO
• NOTEWORTHY · OH
• LOUISIANA CENTRAL · LA

The Texas Ratio compares nonperforming assets to loss-absorbing capital. A ratio at or above 20% indicates elevated stress. 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); OREO — Schedule RC-M item 3f (RCON2150 — RC-M items are RCON-only); equity term — Total equity (RCFD3210), acting as a proxy for tangible common equity which is not separately reported at this granularity; reserves — Allowance for credit losses (RCFD3123 / RCON3123, Schedule RC-R Part II item 6). For credit unions: 60+ days delinquent — NCUA ACCT_041B (direct aggregate, not sub-bucket sum); foreclosed real estate — NCUA ACCT_798; equity term — net worth ACCT_997; reserves — Allowance for loan losses ACCT_719. Cross-type comparability: bank "non-current" (90+ past due or nonaccrual) 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. Read the methodology update note at /blog/npl-explorer-fdic-cdr-direct-sourcing.