Institutions running below well-capitalized capital thresholds
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.
Methodology
Banks (FDIC institutions) 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 institutions) 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 on nonperforming-loan ratio: institutions flagged AND running well above their peer-cohort norm surface first. Banks: capital ratios from the FDIC BankFind Suite financials endpoint (RBC1RWAJ / RBCT2 / EQTOT families). Credit unions: net worth ratio from NCUA 5300 (NET_WORTH family).