Credit unions with the largest QoQ rise in 1-4 family — junior lien nonperforming ratio

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).

Q2 202650 institutions

Non-performing loans secured by 1-4 family — junior lien collateral rose across 50 credit unions in Q2 2026, with UKRAINIAN NATIONAL in NY posting the largest increase at +11.4pp to 11.44%. SPIRIT OF ALASKA in AK and KINGS PEAK in UT followed with sequential gains of +8.6pp and +6.9pp, respectively.

Rising NPLs by Collateral (Credit Unions)

Sorted by QoQ Δ NPL % ↓

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Rank	Institution	Source	State	QoQ Δ NPL %
1	UKRAINIAN NATIONAL	CU	NY	+11.4
2	SPIRIT OF ALASKA	CU	AK	+8.6
3	KINGS PEAK	CU	UT	+6.9
4	GUADALUPE	CU	NM	+6.9
5	TRU FI	CU	FL	+5.6
6	EAST COUNTY SCHOOLS	CU	CA	+5.3
7	UNITED SAVINGS	CU	ND	+5.2
8	O.A.S. STAFF	CU	DC	+4.1
9	BAYER HERITAGE	CU	WV	+3.5
10	NOVA	CU	NC	+3.5
40 more institutions match this list. Unlock metric values for every row and column sort with membership. Unlock with membership

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Rank	Institution	Source	State	QoQ Δ NPL %	Trend
11	TRAVERSE CATHOLIC	CU	MI	████	████
12	PINE BLUFF COTTON BELT	CU	AR	████	████
13	GREATER IOWA	CU	IA	████	████
14	VALLEY	CU	OR	████	████
15	SOLIDARITY COMMUNITY	CU	IN	████	████
16	CAL STATE L.A.	CU	CA	████	████
17	PRIMEWAY	CU	TX	████	████
18	SPECTRA	CU	VA	████	████
19	MY	CU	MN	████	████
20	GOOD NEIGHBORS	CU	NY	████	████
21	SELFRELIANCE	CU	IL	████	████
22	ALLIANCE	CU	TX	████	████
23	THE NEW ORLEANS FIREMEN'S	CU	LA	████	████
24	ALABAMA	CU	AL	████	████
25	TREASURY DEPARTMENT	CU	DC	████	████
26	HARRIS COUNTY	CU	TX	████	████
27	DAKOTA WEST	CU	ND	████	████
28	UNITED	CU	IL	████	████
29	FIRST IMPERIAL	CU	CA	████	████
30	MEMBERS ADVANTAGE	CU	IN	████	████
31	ACFCU	CU	TX	████	████
32	POLICE	CU	MD	████	████
33	ANECA	CU	LA	████	████
34	SERVICE ONE	CU	KY	████	████
35	RESOURCE ONE	CU	TX	████	████
36	XPLORE	CU	LA	████	████
37	GARDEN ISLAND	CU	HI	████	████
38	ADVANTAGE FINANCIAL	CU	DC	████	████
39	HIGHMARK	CU	SD	████	████
40	F R B	CU	DC	████	████
41	SPERO FINANCIAL	CU	SC	████	████
42	SERVE	CU	IA	████	████
43	CREDIT UNION OF THE ROCKIES	CU	CO	████	████
44	GULF COAST EDUCATORS	CU	TX	████	████
45	ACTORS	CU	NY	████	████
46	UTICA GAS & ELECTRIC EMP	CU	NY	████	████
47	ESSENTIAL	CU	LA	████	████
48	A C M G	CU	NY	████	████
49	RIVER CITY	CU	TX	████	████
50	HERITAGE FINANCIAL	CU	NY	████	████

Methodology

This card ranks credit unions whose nonperforming-loan ratio for the named collateral type rose at least 0.5 percentage points quarter-over-quarter. To qualify, the credit union's loans of that collateral type must exceed $1M, its current ratio must be above 2%, and it must hold at least $50M of total loans (which filters out very small credit unions). Per-collateral nonperforming volume is the sum of the four 60+-days-delinquent buckets for that collateral type (DL0058–DL0061 for 1st-lien, DL0065–DL0068 for junior-lien, DL0093–DL0096 for multifamily) — the same 60+-day delinquency measure NPL Explorer uses for credit unions elsewhere. Source: NCUA 5300 Call Report Schedule FS220P (Loan Loss Distribution) for delinquency, and Schedule FS220L for per-collateral balances. Banks do not publish equivalent per-collateral data in FDIC BankFind; the bank-side counterpart is the FFIEC Call Report (CDR). Sorted by quarter-over-quarter change, largest first.

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