Credit Union Insights
Quarter-over-quarter rankings sourced from NCUA call-report data.
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 →Indirect Auto Concentration
Credit unions whose dealer-originated indirect 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 indirect auto exposure.
View ranked list →Indirect Auto NPL Trend
Credit unions whose indirect (dealer-originated) 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 12.25% NCUA regulatory cap on aggregate MBL exposure 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 7% well-capitalized threshold under NCUA Prompt Corrective Action (PCA) rules. Net worth below this line constrains growth, dividend declarations, and certain new-program approvals; below 6% triggers stricter undercapitalized classification.
View ranked list →