34 credit unions reported nonperforming loans in 1-4 family — junior lien during Q1 2026, with RIVER CITY (TX) leading at 7.67%, up +6.4pp from the prior quarter. CHOICE ONE COMMUNITY (PA) and HONOLULU (HI) followed with increases of +3.9pp and +3.3pp respectively.

Rising NPLs by Collateral (Credit Unions)

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Rank	Institution	Source	State	QoQ Δ NPL %
1	RIVER CITY	CU	TX	—
2	CHOICE ONE COMMUNITY	CU	PA	—
3	HONOLULU	CU	HI	—
4	NORTH ALABAMA EDUCATORS	CU	AL	—
5	NORTH IOWA COMMUNITY	CU	IA	—
6	VOYAGE	CU	SD	—
7	EASTERN OPERATING ENGINEERS	CU	NY	—
8	ILLIANA FINANCIAL	CU	IL	—
9	MUTUAL SAVINGS	CU	AL	—
10	SPACE AGE	CU	CO	—
24 more institutions match this list. Unlock metric values for every row, column sort, archives, and CSV export with Mastermind. Unlock with Mastermind

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Rank	Institution	Source	State	QoQ Δ NPL %	Trend
11	THRIVE	CU	IN	████	████
12	MONEY ONE	CU	MD	████	████
13	FICARE	CU	FL	████	████
14	MIDWEST COALITION OF LABOR	CU	IL	████	████
15	ABBEY	CU	OH	████	████
16	GEAUGA	CU	OH	████	████
17	WAYNE-WESTLAND	CU	MI	████	████
18	VALLEY STRONG	CU	CA	████	████
19	SNO FALLS	CU	WA	████	████
20	THE UNITED	CU	WV	████	████
21	GREAT BASIN	CU	NV	████	████
22	FIRST CHOICE	CU	PA	████	████
23	ALATRUST	CU	AL	████	████
24	NEW YORK UNIVERSITY	CU	NY	████	████
25	MARQUETTE COMMUNITY	CU	MI	████	████
26	MINNESOTA POWER EMPLOYEES	CU	MN	████	████
27	OREGONIANS	CU	OR	████	████
28	WHITE EAGLE	CU	KS	████	████
29	LA PORTE COMMUNITY	CU	IN	████	████
30	NET	CU	PA	████	████
31	WHITE RIVER	CU	WA	████	████
32	MUTUAL FIRST	CU	NE	████	████
33	FREEDOM OF MARYLAND	CU	MD	████	████
34	PEOPLES ADVANTAGE	CU	VA	████	████

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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