Credit unions with the largest QoQ rise in Multifamily commercial 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 202646 institutions

Nonperforming loans backed by Multifamily commercial collateral rose across 46 credit unions in Q2 2026, with VENTURA COUNTY in CA leading the increase at +58.8pp. DIRIGO and EARTHMOVER followed with quarter-over-quarter gains of +44.3pp and +35.2pp respectively.

Rising NPLs by Collateral (Credit Unions)

Sorted by QoQ Δ NPL % ↓

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Rank	Institution	Source	State	QoQ Δ NPL %
1	VENTURA COUNTY	CU	CA	+58.8
2	DIRIGO	CU	ME	+44.3
3	EARTHMOVER	CU	IL	+35.2
4	MEMBERS HERITAGE	CU	KY	+30.3
5	ST. LOUIS COMMUNITY	CU	MO	+27.9
6	FIRST TRUST	CU	IN	+20.4
7	ESSENTIAL	CU	LA	+16.4
8	COMMUNITY	CU	ME	+16.0
9	DAKOTA WEST	CU	ND	+15.6
10	CASCO	CU	ME	+12.4
36 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	FIVE COUNTY	CU	ME	████	████
12	ARBOR FINANCIAL	CU	MI	████	████
13	MC	CU	PA	████	████
14	MAINE SAVINGS	CU	ME	████	████
15	SIGNATURE	CU	VA	████	████
16	DESERT FINANCIAL	CU	AZ	████	████
17	SUMA	CU	NY	████	████
18	SAFE HARBOR	CU	MI	████	████
19	WESTREET	CU	OK	████	████
20	SELF-HELP	CU	NC	████	████
21	AMPLIFY	CU	TX	████	████
22	GLASS CITY	CU	OH	████	████
23	CSE	CU	LA	████	████
24	EMBERS	CU	MI	████	████
25	MAINE HIGHLANDS	CU	ME	████	████
26	SPOKANE TEACHERS	CU	WA	████	████
27	THE PEOPLES	CU	RI	████	████
28	LAUNCH CREDIT UNION	CU	FL	████	████
29	AMERICAN HERITAGE	CU	PA	████	████
30	OXFORD	CU	ME	████	████
31	ALLEGENT COMMUNITY	CU	PA	████	████
32	OUCU FINANCIAL CREDIT UNION, INC.	CU	OH	████	████
33	THE COUNTY	CU	ME	████	████
34	AMERICU	CU	NY	████	████
35	JSC	CU	TX	████	████
36	COMMONWEALTH	CU	KY	████	████
37	PEOPLE FIRST	CU	PA	████	████
38	KEESLER	CU	MS	████	████
39	GESA	CU	WA	████	████
40	FIRST COMMONWEALTH	CU	PA	████	████
41	LOWER EAST SIDE PEOPLE'S	CU	NY	████	████
42	LIGHTHOUSE	CU	NH	████	████
43	OMEGA	CU	PA	████	████
44	WINSOUTH	CU	AL	████	████
45	NEIGHBORS	CU	MO	████	████
46	EDUCATORS	CU	WI	████	████

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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