Distressed Credit Unions — quarterly call-report signals

• ALLOY EMPLOYEES · WI
• MT ZION WOODLAWN · OH
• NRS COMMUNITY DEVELOPMENT · AL

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.

• HOMETOWN · ND
• THE CREDIT UNION FOR ALL · IL
• PEOPLES · IA

This card ranks credit unions whose nonperforming-loan ratio for the named collateral type rose quarter-over-quarter by at least 0.5 percentage points (thresholds.minQoqDelta = 0.005), where the CU's exposure to that collateral type exceeds $1M (thresholds.minLoanBalance = 1000000) and the current ratio exceeds 2% (thresholds.minNonperformingPct = 0.02). The CU itself must hold at least $50M of total loans (thresholds.minTotalLoans = 50000000) to filter out sub-scale rosters. Per-collateral nonperforming volume is computed as the sum of the four 60+-days-delinquent buckets specific to that collateral type (DL0058-DL0061 for 1st-lien, DL0065-DL0068 for junior-lien, DL0093-DL0096 for multifamily) — matching the LCD convention used elsewhere in NPL Explorer. Source: NCUA 5300 Call Report Schedule FS220P (Loan Loss Distribution) for delinquency, Schedule FS220L for per-collateral balances. Banks do not publish equivalent per-collateral data through BankFind /financials; FFIEC CDR (Plan 5) is the bank-side analog. Sorted by quarter-over-quarter delta descending.

• SYLVANIA AREA · OH
• EXPEDITION · MN
• BAY AREA · 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.

• ST. LOUIS COMMUNITY · MO
• DESERET FIRST · UT
• HAR-CO · MD

This card ranks credit unions whose auto-loan portfolio is showing rising delinquency. The underlying NCUA series reports all dealer-originated ("indirect") lending. Auto is the largest component but not the only one: per NCUA FS220P Q4 2025, of $341B in total CU indirect-loan outstanding, ~$266B (~78%) is new/used vehicle loans (ACCT_IN0002); the remainder is dealer-originated residential mortgage, commercial, and other categories. We compute the nonperforming ratio as the total amount of delinquent indirect loans (ACCT_041E from NCUA Schedule FS220A — the AcctDesc-defined "Amount of Delinquent Indirect Loans" aggregate) divided by total indirect-loan outstanding balance (ACCT_618A). Sub-bucket codes (021E/022E/023E) exist on FS220A but are universally zero in upstream reporting; they remain mapped for aging analytics only. Filters: CU must hold ≥ $10M of indirect lending (thresholds.minIndirectBalance = 10000000), current NPL must exceed 1.5% (thresholds.minNonperformingPct = 0.015), and QoQ delta must be ≥ 0.3 percentage points (thresholds.minQoqDelta = 0.003). Sibling to indirect-auto-concentration, which ranks on concentration trend rather than NPL. 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.

• COPPER & GLASS · PA
• PEOPLE TRUST COMMUNITY · AR
• TEAMSTERS LOCAL 92 · OH

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.

• BYKOTA · NY
• WEDEVELOPMENT · MO
• FIRST&PEOPLES BANK&TRUST CO · KY

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.