Credit Union Insights
13 cards · quarter-over-quarter rankings sourced from NCUA call-report data.
FIXnotes NPL Explorer surfaces credit-union credit-quality and balance-sheet stress signals derived directly from NCUA Form 5300 quarterly call-report filings. Every card ranks NCUA-insured credit unions on a specific underwriting axis — non-performing loan ratio acceleration, charge-off velocity by category, indirect-lending concentration risk, member business loan (MBL) cap pressure, and net-worth ratio distress.
Methodology is transparent on every landing page: the data source (NCUA AcctDesc codes from FS220/FS220A), the rank axis, the thresholds we apply, and the methodology version. Rankings refresh quarterly when NCUA publishes new filings. Use this hub to surface specific credit unions for due diligence, NPL pool sourcing, or comparative analysis against bank-side cohorts.
Texas Ratio Watch
Institutions where (NPLs + OREO) exceed 20% of tangible equity plus loan-loss reserves — the classic distress indicator.
View ranked list →Rising NPLs by Collateral (Credit Unions) — 1-4 family — 1st lien
Credit unions whose nonperforming-loan ratio for a specific residential or multifamily collateral type rose quarter-over-quarter. NCUA-only — banks publish no equivalent per-collateral data through BankFind /financials (Plan 5 / FFIEC CDR is the bank-side analog).
View ranked list →Rising NPLs by Collateral (Credit Unions) — 1-4 family — junior lien
Credit unions whose nonperforming-loan ratio for a specific residential or multifamily collateral type rose quarter-over-quarter. NCUA-only — banks publish no equivalent per-collateral data through BankFind /financials (Plan 5 / FFIEC CDR is the bank-side analog).
View ranked list →Rising NPLs by Collateral (Credit Unions) — Multifamily commercial
Credit unions whose nonperforming-loan ratio for a specific residential or multifamily collateral type rose quarter-over-quarter. NCUA-only — banks publish no equivalent per-collateral data through BankFind /financials (Plan 5 / FFIEC CDR is the bank-side analog).
View ranked list →OREO Accumulators
Institutions whose Other Real Estate Owned (OREO) balance — foreclosed property held on the books — grew the most this quarter relative to total assets. A rising OREO balance signals the back-end of the credit-loss cycle, where workouts have converted to property held for sale.
View ranked list →Under-Reserved Lenders
Institutions whose loss allowance is small relative to the nonperforming-loan balance they are carrying. Low coverage means future write-downs will erode capital directly rather than being absorbed by the allowance buffer.
View ranked list →Capital-Pressured Institutions
Institutions that tripped a regulatory capital-pressure flag this quarter. Banks raise the flag when Tier 1 leverage drops below 5% or total risk-based capital drops below 10%; credit unions raise it when the net worth ratio drops below 7%. Within flagged institutions, those running well above their size-cohort peer median on nonperforming loans surface first.
View ranked list →Hotspot Geographies
U.S. states whose institution-weighted nonperforming-loan ratio grew the most quarter-over-quarter — surfaces regions where stress is building across the local banking landscape.
View ranked list →Outliers vs Peer Cohort
Institutions whose nonperforming-loan ratio is at least twice the median for their size cohort — surfaces outliers that are running well above peers regardless of absolute level.
View ranked list →Auto Concentration
Credit unions whose auto-loan portfolio exceeds a quarter of total loans and grew as a share of the portfolio quarter-over-quarter — surfaces CUs leaning further into auto exposure. Sibling to the Auto NPL Trend card, which ranks on the delinquency axis instead of concentration.
View ranked list →Auto NPL Trend
Credit unions whose auto-loan portfolio is showing rising delinquency. Sibling to the existing indirect-auto-concentration card, which ranks on concentration trend rather than NPL trend — different rank axes for different buyer queries.
View ranked list →MBL Cap Pressure
Credit unions whose member business loan (MBL) portfolio is approaching the NCUA aggregate-cap threshold relative to total assets. CUs near the cap have limited headroom to grow business lending before triggering supervisory attention.
View ranked list →Net Worth Distress
Credit unions whose net worth ratio has fallen below the well-capitalized threshold under NCUA Prompt Corrective Action (PCA) rules. Net worth below this line constrains growth, dividend declarations, and certain new-program approvals; further declines trigger stricter undercapitalized classification.
View ranked list →