Non-performing loans in 1-4 family — 1st lien rose among credit unions in Q4 2025, with HOMETOWN in ND reporting the largest increase at +3.5pp, reaching 7.14%. THE CREDIT UNION FOR ALL in IL and PEOPLES in IA each climbed +2.9pp and +2.9pp respectively across 50 institutions tracked.

Rising NPLs by Collateral (Credit Unions)

Sorted by QoQ Δ NPL % ↓

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Rank	Institution	Source	State	QoQ Δ NPL %
1	HOMETOWN	CU	ND	—
2	THE CREDIT UNION FOR ALL	CU	IL	—
3	PEOPLES	CU	IA	—
4	CITY	CU	TX	—
5	FERGUSON	CU	MS	—
6	TRUCHOICE	CU	ME	—
7	ALATRUST	CU	AL	—
8	CORAZO	CU	CA	—
9	COMMUNITY POWERED	CU	DE	—
10	BEACH MUNICIPAL	CU	VA	—
40 more institutions match this list. Unlock metric values for every row and column sort with Foundation. Unlock with Foundation

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Rank	Institution	Source	State	QoQ Δ NPL %	Trend
11	LINCONE	CU	NE	████	████
12	HEALTHCARE EMPLOYEES	CU	NJ	████	████
13	LIBERTY SAVINGS	CU	NJ	████	████
14	WATERFRONT	CU	WA	████	████
15	AREA	CU	SD	████	████
16	CAMPCO	CU	WY	████	████
17	TRAILHEAD	CU	OR	████	████
18	NIAGARA'S CHOICE	CU	NY	████	████
19	O.A.S. STAFF	CU	DC	████	████
20	AMERICAN PARTNERS	CU	NC	████	████
21	MEMBERSFIRST	CU	GA	████	████
22	FIDELIS CATHOLIC	CU	CO	████	████
23	KIMBERLY CLARK	CU	TN	████	████
24	FIVE STAR	CU	AL	████	████
25	JACKSON RIVER COMMUNITY	CU	VA	████	████
26	MID-KANSAS	CU	KS	████	████
27	UNITED COMMUNITY	CU	TX	████	████
28	FITZSIMONS	CU	CO	████	████
29	NORTHRIDGE COMMUNITY	CU	MN	████	████
30	OLD WEST	CU	OR	████	████
31	STAR OF TEXAS	CU	TX	████	████
32	ACHIEVE	CU	OH	████	████
33	ORION	CU	TN	████	████
34	PEOPLES	CU	WV	████	████
35	AFENA	CU	IN	████	████
36	THE UNITED	CU	WV	████	████
37	FIRST ALLIANCE	CU	MN	████	████
38	AMERICAN BROADCAST EMPLOYEES	CU	NY	████	████
39	COMMUNITY RESOURCE	CU	NY	████	████
40	COUNTY SCHOOLS	CU	CA	████	████
41	UNITED CONSUMERS	CU	MO	████	████
42	ADVANTAGE	CU	IA	████	████
43	UTAH HERITAGE	CU	UT	████	████
44	MEMBERS	CU	NC	████	████
45	C-PLANT	CU	KY	████	████
46	LOWER EAST SIDE PEOPLE'S	CU	NY	████	████
47	REVITY	CU	NC	████	████
48	SANTA ROSA COUNTY	CU	FL	████	████
49	RADIUS	CU	NY	████	████
50	GO ENERGY FINANCIAL	CU	GA	████	████

Methodology

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.

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