Non-performing loans secured by 1-4 family — junior lien collateral rose across 50 credit unions in Q4 2025, with MY COMMUNITY in TX recording the largest quarterly increase at +6.5pp, reaching 9.00% of portfolio. COOPERATIVE TEACHERS and MERCO followed with increases of +6.0pp and +5.7pp, respectively.

Rising NPLs by Collateral (Credit Unions)

Sorted by QoQ Δ NPL % ↓

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Rank	Institution	Source	State	QoQ Δ NPL %
1	MY COMMUNITY	CU	TX	—
2	COOPERATIVE TEACHERS	CU	TX	—
3	MERCO	CU	CA	—
4	HOPE	CU	MS	—
5	GP	CU	GA	—
6	ALATRUST	CU	AL	—
7	FAMILY FINANCIAL	CU	MI	—
8	FOUR POINTS	CU	NE	—
9	N.E.W.	CU	WI	—
10	NIKKEI	CU	CA	—
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	CARTER	CU	LA	████	████
12	IBEW & UNITED WORKERS	CU	OR	████	████
13	TRUENERGY	CU	VA	████	████
14	CREDIT UNION 1	CU	IL	████	████
15	OLD WEST	CU	OR	████	████
16	THE ATLANTIC	CU	NJ	████	████
17	PEOPLES	CU	WV	████	████
18	PYRAMID	CU	AZ	████	████
19	LAKE HURON	CU	MI	████	████
20	BUCKEYE STATE	CU	OH	████	████
21	SUCCESS	CU	AR	████	████
22	OSWEGO COUNTY	CU	NY	████	████
23	OREGONIANS	CU	OR	████	████
24	F R B	CU	DC	████	████
25	FAMILY FIRST	CU	GA	████	████
26	UNIVERSITY	CU	CA	████	████
27	THE FAMILY	CU	IA	████	████
28	RESOURCE ONE	CU	TX	████	████
29	CORAZO	CU	CA	████	████
30	TRAX	CU	FL	████	████
31	IDB GLOBAL	CU	DC	████	████
32	CAROLINA	CU	NC	████	████
33	GREATER KENTUCKY CU, INC.	CU	KY	████	████
34	TRAILNORTH	CU	NY	████	████
35	ALTERNATIVES	CU	NY	████	████
36	ADVANCE FINANCIAL	CU	IN	████	████
37	SERVE	CU	IA	████	████
38	STAR USA	CU	WV	████	████
39	AFENA	CU	IN	████	████
40	LA CAPITOL	CU	LA	████	████
41	NORTH BAY	CU	CA	████	████
42	SELF-HELP	CU	NC	████	████
43	INTOUCH	CU	TX	████	████
44	MAUI COUNTY	CU	HI	████	████
45	POWER	CU	CO	████	████
46	SOARION	CU	TX	████	████
47	SKYONE	CU	CA	████	████
48	SAFE HARBOR	CU	MI	████	████
49	GREEN MOUNTAIN	CU	VT	████	████
50	COLORAMO	CU	CO	████	████

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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